Michael Ryan
Private Banker
André Turman, C(k)P®, QPFC
Associate Vice President,
Financial Advisor,
Corporate Retirement Director,
Financial Wellness Director
Direct:
(518) 386-2946(518) 386-2946
My Mission Statement
Helping you build and manage your retirement is at the forefront of our practice. We assist individuals, their families, and organizations with translating their retirement plan goals and objectives into actionable strategies and solutions. Our goal is to earn your confidence not only through the quality of retirement plan solutions we present to you, but also the excellence with which we deliver them.
My Story and Services
André Turman is an experienced and knowledgeable financial advisor who works with a broad range of clients to address their complex financial needs. Since entering the financial services industry in 2002 he has served in various compacities and has immersed himself in the day-to-day planning process to help families, small business owners, executives and other professionals build and manage wealth for the life they envision and for generations to come.
A thoughtful listener, André takes the time to educate clients and facilitate discussions to develop an in-depth understanding of their business and personal objectives. His inspiration is in helping people to articulate their priorities, make well-informed financial decisions, and develop confidence around achieving their desired outcomes. He believes everyone can have a financial plan and with that, financial confidence.
In his role as a Financial Advisor, André is a Qualified Plan Financial Consultant (QPFC). A firm believer in continuing education, André has completed a variety of course work, including the University of Southern California (USC) School of Gerontology Longevity Training Program, the Certified Special Needs Advisor Program at his previous firm Bank of America Merrill Lynch, and has earned the Certified 401(k) Professional (C(k)P®) designation, which is offered by the Retirement Advisor University Inc. in collaboration with the UCLA Anderson School of Management Executive Education. He is a strong advocate for building strong financial habits through financial wellness programs in conjunction with Workplace Solutions and Employer Retirement Benefits, his volunteerism efforts conducting workshops in collaboration with local non-profits, and as a Professional Development Facilitator/Mentor for the Albany Medical College Science and Technology Entry Program (STEP). Additionally, he is a member of several professional organizations, including the National Association of Plan Advisors.
In service to his community, André is a Board member of Fathers Incorporated and the Regional Food Bank of Northeastern NY, and has sat on the board of other nonprofits, including the Greater Capital Region Autism Society and the Upstate New York Black Chamber of Commerce. He and his wife, Dr. Stacy Dobbs, reside in Saratoga County and are proud parents of three adult daughters. He enjoys boating, dancing, playing chess and traveling.
André Turman is registered to do business in CT, FL, MD, NJ, NY, PA, WA, DE, NC, OH, SC
C(k)P® is a registered trademark of The Retirement Advisor University, Inc.
A thoughtful listener, André takes the time to educate clients and facilitate discussions to develop an in-depth understanding of their business and personal objectives. His inspiration is in helping people to articulate their priorities, make well-informed financial decisions, and develop confidence around achieving their desired outcomes. He believes everyone can have a financial plan and with that, financial confidence.
In his role as a Financial Advisor, André is a Qualified Plan Financial Consultant (QPFC). A firm believer in continuing education, André has completed a variety of course work, including the University of Southern California (USC) School of Gerontology Longevity Training Program, the Certified Special Needs Advisor Program at his previous firm Bank of America Merrill Lynch, and has earned the Certified 401(k) Professional (C(k)P®) designation, which is offered by the Retirement Advisor University Inc. in collaboration with the UCLA Anderson School of Management Executive Education. He is a strong advocate for building strong financial habits through financial wellness programs in conjunction with Workplace Solutions and Employer Retirement Benefits, his volunteerism efforts conducting workshops in collaboration with local non-profits, and as a Professional Development Facilitator/Mentor for the Albany Medical College Science and Technology Entry Program (STEP). Additionally, he is a member of several professional organizations, including the National Association of Plan Advisors.
In service to his community, André is a Board member of Fathers Incorporated and the Regional Food Bank of Northeastern NY, and has sat on the board of other nonprofits, including the Greater Capital Region Autism Society and the Upstate New York Black Chamber of Commerce. He and his wife, Dr. Stacy Dobbs, reside in Saratoga County and are proud parents of three adult daughters. He enjoys boating, dancing, playing chess and traveling.
André Turman is registered to do business in CT, FL, MD, NJ, NY, PA, WA, DE, NC, OH, SC
C(k)P® is a registered trademark of The Retirement Advisor University, Inc.
Securities Agent: GA, PA, NJ, NC, OH, TX, SC, CO, MD, MA, CT, FL, NY, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 66187
NMLS#: 66187
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Real Advice Tailored To You
The Turman Harris Group works with a large demographic of individuals, families, and business owners, helping guide them through the retirement planning process.
The relationship begins with a thorough understanding of you – your needs, lifestyle, family, business objectives; what you hope to achieve and what you fear may be standing in your way. Investing this time to learn about you; your assets and liabilities and the risk exposures enables us to formulate strategies and customize a holistic plan tailored to your needs. The Turman Harris Group offers a discretionary fee for service to provide highly customized wealth management strategies that are designed to match your unique needs.
Achieving your goals requires vigilance and flexibility. In coordination with your other advisors, the team can conduct ongoing reviews to help you monitor your progress and adjust as life evolves, markets and tax laws shift, and priorities change.
Financial Advisors, Andre Turman and Eldon Harris, strive to empower their clients to make confident and informed decisions that lead to their financial success and continued legacy.
The relationship begins with a thorough understanding of you – your needs, lifestyle, family, business objectives; what you hope to achieve and what you fear may be standing in your way. Investing this time to learn about you; your assets and liabilities and the risk exposures enables us to formulate strategies and customize a holistic plan tailored to your needs. The Turman Harris Group offers a discretionary fee for service to provide highly customized wealth management strategies that are designed to match your unique needs.
Achieving your goals requires vigilance and flexibility. In coordination with your other advisors, the team can conduct ongoing reviews to help you monitor your progress and adjust as life evolves, markets and tax laws shift, and priorities change.
Financial Advisors, Andre Turman and Eldon Harris, strive to empower their clients to make confident and informed decisions that lead to their financial success and continued legacy.
Our team’s attributes include, but are not limited to:
- Comprehensive Financial Planning Services, including Retirement preparation and Trust & Estate planning strategies
- A close collaboration with both Morgan Stanley’s Private Bank and Strategic Partners
- Access to tailored Lending Services
- Access to Morgan Stanley’s wide-range of investment choices, world class research and modern wealth management tools
The Turman Harris Group Works With:
- Business Owners and Executives
- Plan Sponsors & Fiduciaries
- Stock Plan Participants
- Corporate Retirement Plan Participants
- Retirees and those Planning for Retirement
- Women Investors
- Multi-generational Families
MORGAN STANLEY AT WORK
Our experienced team of retirement professionals deliver customized solutions for companies to help ensure employee retirement readiness, negotiate plan expenses, and guide investment oversight and selection. While we bring complementary skills and perspectives to our clients, we also share a commitment to responding to your retirement plan needs promptly, professionally, and thoroughly.
Utilizing the powerful Morgan Stanley at Work platform, we at The Turman Harris Group are able to help build financial confidence through insightful advice, thoughtful education and cutting-edge technology across a suite of modern workplace solutions.
Utilizing the powerful Morgan Stanley at Work platform, we at The Turman Harris Group are able to help build financial confidence through insightful advice, thoughtful education and cutting-edge technology across a suite of modern workplace solutions.
At Work Solutions
Morgan Stanley at Work provides plan sponsors with a comprehensive suite of solutions and investment experience that helps your employees maximize their potential to reach their long-term goals.
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Equity Solutions
Together, we’ll help you create a culture of ownership at your organization by enabling you to build an equity compensation offering that best fits your needs.
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Financial Wellness
Our workplace solutions give employees the confidence to take charge of their finances – and their future. By improving your employees’ financial wellness, you can benefit from a more productive workforce.
Learn More
Retirement
Leverage a comprehensive range of solutions, with the support of Financial Advisors, to help employees confidently reach their long-term goals.
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Executive Services
Empower your leaders to manage their equity compensation and complex financial needs with a dedicated Executive Services Relationship Manager.
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Deferred Compensation
Stay competitive with a Nonqualified Deferred Compensation plan – a workplace benefit for executives and other highly compensated employees and a powerful tool to help recruit, retain and reward executives.
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Saving and Giving
Enable your employees to make the financial moves that matter most to them, whether that’s giving to their favorite charity or saving for future education.
Read MoreCOMPREHENSIVE FINANCIAL PLANNING
Our wealth management process begins with you, your investments and retirement planning objectives. Educational in our approach, it may encompass all the elements of your financial life – your investments and your cash management needs – designed to help you achieve and optimize your personal and business goals.
At Morgan Stanley, we understand that the goals you set today will evolve over time. Your plan will evolve with them - and with the changing circumstances of your life.
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources of Morgan Stanley, we can help you take charge of your financial future an achieve your goals. Below, we have provided some links that will introduce you to a few of the tools that we use, please click to learn more about them. We hope that you will return often to learn more about topics impacting your wealth.
At Morgan Stanley, we understand that the goals you set today will evolve over time. Your plan will evolve with them - and with the changing circumstances of your life.
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources of Morgan Stanley, we can help you take charge of your financial future an achieve your goals. Below, we have provided some links that will introduce you to a few of the tools that we use, please click to learn more about them. We hope that you will return often to learn more about topics impacting your wealth.
LifeView - Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual’s financial life, including investments and cash management needs. Fill out the questionnaire to get started talking with us about creating a personalized strategy for your long-term goals.
Complete Questionnaire Here
Goals Planning System
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
Start Planning Now
Morgan Stanley Online
Your Investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn more about MSO
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn more about Total Wealth ViewA COMMITMENT TO COMMUNITY
We believe in the value of giving back and being an active member of our community. To that end, we work with various charitable organizations, and consistently spearhead philanthropy efforts. here are some of the organizations we work closely with.
Fathers Incorporated
Fathers Incorporated works collaboratively with organizations around the country to identify and advocate for social and legislative changes that lead to healthy father involvement with children, regardless of the father’s marital or economic status, or geographic location.
Regional Food Bank of Northeastern New York
The Regional Food Bank has been helping to feed the poor and hungry in our communities since 1982. It is the only organization of its kind in northeastern New York. The Food Bank collects large donations of food from the food industry and distributes it to charitable agencies serving hungry and disadvantaged people in 23 counties. From Plattsburgh to Newburgh, in urban, rural, and suburban communities, the Food Bank provides over 50 million pounds of food a year to 1,000 agencies. The Food Bank is a member of Feeding America, the national network of food banks.
Albany Medical College
The Science and Technology Entry Program (STEP) is a program of the Division of Community Outreach and Medical Education at Albany Medical College. It enrolls highly motivated 7-12th graders historically underrepresented in the sciences or from economically disadvantaged backgrounds. STEP provides academic enrichment, mentoring, and opportunities for service learning. At Albany Medical College, we have the unique opportunity to add health care based expertise to our STEP activities since we train future physicians, scientists, physician assistants and nurse anesthetists. As a result of our particular emphasis on the health professions at Albany Medical College STEP, we hold a unique attraction for students who want to excel in these professions. We also are very intentional about programming for parents of STEP, informing them about STEM (Science, Technology, Engineering and Mathematics) fields and equipping them for advocacy in their children's academic environment.
Client Service Team
Kathy Neil - Senior Registered Client Associate
Email:kathy.neil@morganstanley.com
Location
1212 Troy Schenectady Road
Latham, NY 12110
US
Direct:
(518) 386-2946(518) 386-2946
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
Managing Director, Private Wealth Management, Private Wealth Advisor, Stock Plan Director
Alfred J Hammond, CRPS®, CIMA®
Executive Director, Institutional Consulting Director, Corporate Retirement Director, Financial Wellness Director
Emilio LaPietra, CFP®
Financial Planning Director, Vice President
Chris Reardon
Planning Associate
About Michael Ryan
Michael Ryan is a Private Banker serving Morgan Stanley Wealth Management offices in New Jersey.
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.
Michael began his career in financial services in 2010 and joined Morgan Stanley in 2017. Prior to joining the firm, he was a Citigold Relationship Manager for Citibank in Queens, NY. Michael was also a Private Client Banker with JP Morgan Chase Bank in New Jersey.
Michael is a graduate of Ramapo College where he received a Bachelor of Science with a concentration in Law and Society Studies. He lives at the Jersey Shore, with his family. Outside of the office, Michael donates his time to the Juvenile Diabetes Research Foundation. He enjoys playing golf, skiing, the beach, and spending time with his 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.
Michael began his career in financial services in 2010 and joined Morgan Stanley in 2017. Prior to joining the firm, he was a Citigold Relationship Manager for Citibank in Queens, NY. Michael was also a Private Client Banker with JP Morgan Chase Bank in New Jersey.
Michael is a graduate of Ramapo College where he received a Bachelor of Science with a concentration in Law and Society Studies. He lives at the Jersey Shore, with his family. Outside of the office, Michael donates his time to the Juvenile Diabetes Research Foundation. He enjoys playing golf, skiing, the beach, and spending time with his family.
NMLS#: 600637
About Emilio LaPietra
Emilio LaPietra is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Central Eastern New York. He is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Emilio began his career in financial services in 2010, and joined Morgan Stanley in 2020. Prior to his current position, he worked at Fidelity Investments.
Emilio graduated from The College of Saint Rose and holds his Certified Financial Planner® designation . He lives in Saratoga Springs, New York.
Emilio began his career in financial services in 2010, and joined Morgan Stanley in 2020. Prior to his current position, he worked at Fidelity Investments.
Emilio graduated from The College of Saint Rose and holds his Certified Financial Planner® designation . He lives in Saratoga Springs, New York.
About Chris Reardon
Chris Reardon is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various alternatives and their potential outcomes to help clients confidently choose the appropriate course of action. Chris provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Pace University and received the Financial Planning Specialist® designation from the College for Financial Planning. Chris is originally from New York, NY and currently resides in New York, NY.
He earned his undergraduate degree from Pace University and received the Financial Planning Specialist® designation from the College for Financial Planning. Chris is originally from New York, NY and currently resides in New York, NY.
Private Bankers, Ultra High Net Worth (“UHNW”) Sales Specialists, Lending Advisors, Mortgage Consultants, Relationship Managers, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
State of the Workplace Study 2023
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
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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Ready to start a conversation? Contact André Turman today.
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
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), 3582895 (6/2024)
