OPTIMIZE YOUR FINANCIAL FUTURE.

My team, The SVS Wealth Management Team, and I are a dedicated team of wealth managers committed to prioritizing your financial success above all else. Our team functions as a boutique within the expansive framework of Morgan Stanley, seamlessly blending personalized service with institutional strength.

Our mission is clear: to help you preserve your hard-earned wealth, simplify your finances, and create clear plans to support your future ambitions. We understand that achieving considerable financial success comes with its own set of challenges, which is why we focus on addressing complex wealth management issues with precision and dedication.

With years of experience and a deep understanding of the intricacies of multigenerational wealth, we are well-equipped to guide families through sophisticated financial decisions. Our comprehensive approach not only focuses on transferring wealth to future generations but also helps ensure they are adequately prepared to receive it.

As your dedicated wealth managers, we prioritize keeping your investments aligned with your goals, providing consolidated reporting for clarity, managing liquidity needs efficiently, and executing your philanthropic plan effectively. Our cost-efficient strategies aim to maximize returns while minimizing unnecessary expenses, helping ensure that your financial resources are optimized for long-term growth.

We take the time to understand what you want out of life and work diligently every day to help you pursue your aspirations. If you're ready to experience the benefits of our approach to wealth management, please don't hesitate to contact me. My team and I are here to help you achieve financial success.
Services Include
Securities Agent: RI, NV, WY, OR, MS, TN, SD, NJ, WV, NM, KY, UT, OK, OH, PR, SC, KS, WI, VI, VA, WA, FL, TX, VT, MD, ME, MN, PA, MO, NY, MT, NC, NH, MA, NE, ND, AK, MI, AR, LA, AL, IN, IL, CA, ID, GA, IA, DC, CT, HI, CO, AZ, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 2433421
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*

Awards and Designations

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    America's Top Wealth Management Teams - Forbes
    Recognized by Forbes in their 2022-2024 rankings of America's Top Wealth Management Teams. Awarded to groups of experienced wealth managers that have proven track records of success according to SHOOK Research, which uses quantitative and qualitative data, including interviews, to rank teams.

    Source: Forbes.com (Awarded 2022-2024) Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
    Award Disclosures:(https://www.morganstanley.com/disclosures/awards-disclosure.html)
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    Top 250 Private Wealth Management Teams - Barron's
    Recognized in Barron's 2024 Top 250 Private Wealth Management Teams. Teams are ranked on a variety of factors, including their size and shape, their regulatory records and credentials of their members, and the resources they have at their disposal to serve their client bases.

    (Source: Barron's (Awarded May 2024). Data compiled by Barron's based on time period from Jan 2023-Dec 2023. https://mgstn.ly/3WD0yje)
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    Best-In-State Wealth Management Teams - Forbes
    Recognized by Forbes magazine’s 2023-2025 rankings of Best-In-State Wealth management teams. Awarded to groups of experienced wealth managers that have proven track records of success according to SHOOK Research, which uses quantitative and qualitative data, including interviews, to rank teams.

    Disclosure:
    Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
    Award Disclosures:(https://www.morganstanley.com/disclosures/awards-disclosure.html)
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    Financial Planning Specialist
    The Financial Planning Specialist designation was developed for Financial Advisors who have significantly incorporated financial planning into their practice.
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    Workplace Advisor – Equity Compensation
    This designation was developed for Financial Advisors with the experience and knowledge necessary to help clients make informed decisions when it comes to their equity compensation.

Our Suite of Services

As wealth grows, so do its complexities, requiring a nuanced approach to effective management. Our experience and relationships enable us to deliver tailored, innovative strategies to address your unique needs. Explore our offering below and discover how we help simplify the journey of managing your wealth.
We also want to know the nitty-gritty. We want to know if you’re thinking about buying a house, a car, and when it’s your son or daughter’s birthday. We want to learn about your family’s values, if you have any medical issues or health concerns. We also want to learn about your parents; are they stable financially, will you be the primary care-giver; what will their long-term care look like?

These may seem like small things, but by paying attention to the details we can help you make the best financial decisions possible. This is how, one day, we can help you achieve a lifestyle that is “work-optional.”
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    Financial Planning
    Financial planning is the cornerstone of our wealth management at The SVS Wealth Management Team. It's a strategic tool that helps our clients articulate and achieve their unique financial goals. By analyzing income, expenses, investments, and incorporating tax and estate planning strategies, we craft personalized strategies that help optimize wealth creation and ensure long-term financial well-being. At its core effective financial planning is one of the keys to a purposeful and successful financial journey
    Learn More
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    Retirement Planning
    One of our key areas of focus is helping you prepare for and thrive in retirement. From IRAs to RMDs, we manage the complexities of your comprehensive retirement plan assets, helping you easily transition to the next phase of your life with confidence.
    Retirement Plans 2023 Quick Reference Guide
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    Professional Portfolio Management
    Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes about investing with careful analysis of the financial markets. Working together, we create a customized strategy that applies long-held investment principles to help your assets appreciate appropriately or generate cash-flow or income as you require.
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    Cash Management & Lending Services
    Creating adequate cash flow and securing liquidity are the day-to-day aspects of implementing a financial strategy. We help you meet your personal cash management and borrowing needs, while thinking strategically about how specific approaches may affect current and long-term costs and taxes.
    Learn More
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    Philanthropic Planning
    Your set of Philanthropic objectives is as personal as your vision of a better world. Determining your objectives however, can be challenging when there are so many worthy causes and so many unmet needs.
    Learn More
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    Trust & Estate Planning Strategies
    Delivering an estate to the next generation or favorite charity requires more attention than families often realize. We coordinate with your estate and tax professionals to align your legacy goals with the appropriate asset tilting and beneficiary designation requirements, incorporating best practices to help enhance results.
    Learn More

NAVIGATING RETIREMENT PLANS

Retirement is one of life's biggest benchmarks, and my goal here is to make sure you are prepared. Below is my standard process for planning and monitoring your retirement process.
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    Step 1: Assets
    Your assets may include, 401(K), 403(b), 457 plans, lump sum pensions, real estate, investment accounts, bank accounts, stock options, stock purchase plans, and business assets.
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    Step 5: Risk Management
    It's important to make sure your plan has the proper guardrails to keep you and your family on track.

    Some of these guardrails include insurance planning. We recommend reviewing your term, whole life, or long term care insurance needs prior to retirement.
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    Step 2: Liabilities
    In general, we advise our clients to be debt free in retirement. Before you retire, it's important to examine all your liabilities.

    Liabilities may include; mortgages, lines of credit, student loans, vehicle loans, credit cards, and business loans.
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    Step 6: Estate Planning Strategies
    As you approach retirement, it's important to make sure your estate planning strategy is aligned with your investment and financial plans.

    You may consider hiring an estate attorney who can help design wills, trusts, powers of attorney, and medical directives.
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    Step 3: Income
    In retirement, you'll likely need to generate enough income to maintain your current lifestyle. You may have multiple sources of fixed income including pension payments and Social Security. You may also have other sources of fixed income as well during retirement.
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    Step 7: Assembling Your Team
    Before and during retirement, it's important your personal tax advisor, personal estate planning attorney, and financial advisor communicate regularly and operate as a virtual team on your behalf. Your virtual team should meet with you and your family at least annually.
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    Step 4: Expenses
    Knowing what your expenses will be in retirement is critical. During the accumulation years of your life, savings rates are the key to success. During retirement however, withdrawal rates matter the most.

    Our technology can help you manage and track your expenses to help make sure your plan remains successful throughout retirement.
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    Step 8: Continued Monitoring
    Approaching and during retirement, it's important to check up on your investment and financial plans to make sure they are on track.

    Our technology can help track and manage your plans to help ensure they are successful throughout retirement.

ESTATE PLANNING

Learn more about estate planning by browsing the links below and contact me with any questions.
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    US Legacy Income Trusts Brochure
    The U.S. Legacy Income Trusts (Trusts) are next-generation charitable planned giving instruments established by the U.S. Charitable Gift Trust® (Gift Trust), a tax-exempt public charity offering donor-advised funds.
    Learn More Here
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    Spousal Lifetime Access Trusts (SLAT) Illustration
    View the presentation below to learn more about SLATs.
    Learn More Here
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    2024 Federal Gift and Estate Tax Exemption
    Learn more about the 2024 federal gift and estate tax exemption and some potential changes on the horizon.
    Learn More Here
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    Concentrated Position Toolkit
    The concentrated position toolkit assists in curating and navigating an expansive suite of specialized resources to address concentrated positions.
    Learn More Here
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    Equity Compensation Can Have Complex Implications
    Your Compensation Package may Include an Equity Plan. Learn more about various equity compensation forms below.
    Learn More Here
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    Maximizing Your Equity Compensation
    Learn how executives can define a strategy that efficiently navigates the complexities of equity awards to achieve their personal financial goals.
    Learn More Here

Location

399 Park Ave 12th
Fl
New York, NY 10022
US
Direct:
(212) 893-6313(212) 893-6313
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
4 Financially Smart Ways to Take Money Out of Retirement Accounts
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4 Financially Smart Ways to Take Money Out of Retirement Accounts

Discover how planning for required minimum distributions from retirement accounts can help you fund future needs and support loved ones.

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
2025 Global Economic Outlook: U.S. Policies May Temper Global Growth
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2025 Global Economic Outlook: U.S. Policies May Temper Global Growth

Global growth is likely to be around 3% in 2025 and 2026, as tariff and immigration policies begin to slow the U.S. economy late next year, and China's underperformance restrains emerging markets.

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
Taking Control of Your Finances After Death of a Spouse
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Taking Control of Your Finances After Death of a Spouse

Financial planning after a divorce or death can be trying, but with the right approach and the right advice you can turn a difficult situation into empowerment.

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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Financial Planning for Life After Selling a Business

Selling your business can mean big changes for your life, both personally and financially. Know how to make the most of your windfall.

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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Donor Advised Funds: A Smart Way to Manage Your Giving 

There’s more to charitable giving than you may realize. Here’s one method that may be a tax-efficient way to give and can help maximize your impact.

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.
The Business Case for a Financially Resilient Workforce
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The Business Case for a Financially Resilient Workforce

In the face of turbulent markets, the word “resilience” may be top of mind. Broadly speaking, resilience is the ability to “bounce back” when encountering life’s inevitable challenges.
Ready to start a conversation? Contact Alvaro Ramirez today.
Market Information Delayed 20 Minutes
1Morgan 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.

For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.

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2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.

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3Morgan 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.

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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.

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5When 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.

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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.

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7Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.

Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

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8Morgan 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.

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9Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.

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10GlobalCurrency is available to clients of Morgan Stanley Smith Barney LLC with an eligible brokerage account. Before undertaking foreign exchange transactions, clients should understand the associated risks.
Engaging in foreign currency transactions entails more varied risks than normally associated with transactions in the domestic securities markets. Attention should be paid to market, credit, sovereign, and liquidity risks. The foreign exchange transactions and deposits discussed in this material may not be appropriate for all clients. The appropriateness of a particular investment or strategy depends upon a client’s particular circumstances and objectives. This material does not provide individually tailored investment advice.

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11Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.

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12The 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.

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13Morgan 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.

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14Morgan 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.
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 and other legal matters.

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15Morgan 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.

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16Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.

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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)