Gabriel Gutierrez
Registered Client Service Associate
Angel Chavez, CIMA®, QPFC
Senior Vice President,
Family Wealth Advisor,
Corporate Retirement Director,
Executive Financial Services Director,
Alternative Investments Director
Direct:
(415) 984-6008(415) 984-6008
My Mission Statement
It is a privilege to serve as your personal financial coach to help you and your family face the future with anticipation and enjoy the wealth and lifestyle you have worked so hard to achieve
Our Financial Journey Together
Athletes training for a marathon often hire a coach with the expertise needed to not only run the course, but run it faster and more efficiently.
The same is true for managing wealth in today's complex global markets.
Comprehensive financial planning takes a unique set of skills that goes well beyond managing an investment portfolio. It takes a seasoned advisor who has the insight, knowledge and modern technology tools to tackle today's challenges to meet your life goals while simplifying your finances.
As an experienced financial advisor, the goal is to help you achieve results. My consultative approach begins with a tailored financial plan and covers the full spectrum of modern wealth management solutions for financially successful individuals and families. In addition, my practice provides corporate services such as the implementation and management of retirement plans, including 401ks for companies and non-profits, and consultation on the complexities of stock plans.
As we work together, you will experience a forward-thinking approach that emphasizes outstanding service and a reliable, consistent process. I am proud to serve as your financial coach, reviewing all aspects of your life to create a comprehensive plan that focuses on the journey, as well as the destination. The beauty of my process is that it ensures we never lose site of the essential elements to achieve your financial independence.
Originally from Bolivia, I grew up in San Francisco with my grandmother and learned very early on the value of hard work, education, being entrepreneurial and building a better future for your family. Please see my bio to learn more about me.
I look forward to speaking with you soon.
Awarded 2025 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2025) Data compiled by SHOOK Research LLC for the period 6/30/23 - 6/30/24.
Services Include
- Financial PlanningFootnote1
- Asset Management
- Professional Portfolio ManagementFootnote2
- Retirement PlanningFootnote3
- Stock Option PlansFootnote4
- Sustainable InvestingFootnote5
- Estate Planning StrategiesFootnote6
- Philanthropic ManagementFootnote7
- Corporate Retirement PlansFootnote8
- Executive Benefit ServicesFootnote9
- Alternative InvestmentsFootnote10
- Cash Management and Lending ProductsFootnote11
Securities Agent: MA, NY, SC, MD, DE, OH, WI, FL, CO, AZ, NM, NJ, HI, TX, IL, VA, NV, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1278971
CA Insurance License #: 0E48771
NMLS#: 1278971
CA Insurance License #: 0E48771
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Managing Wealth, Making a Difference
As a Family Wealth Director for a select group of families and professionals, I have developed and refined a customized process focused on your unique goals. In other words, I assist in coaching you and your family through the complexities of your financial picture, and as a result, you can focus on what matters most: your family, your career, a balanced lifestyle or anything you are most passionate about.
Here’s what you can expect when you work with me:
Here’s what you can expect when you work with me:
A Trusting Relationship
I make it a priority to build deep and personal relationships with you and your family. I do this by working with a select group of clients who value my depth of knowledge and experience in providing comprehensive solutions. The bonds I form are fundamental to my mission and evidenced by the generations of families I have proudly served since becoming a Wealth Advisor in 1996.
A Financial Plan that Is Uniquely Yours
My consultative approach is built on the Socratic method, a dialogue based on questions that stimulate critical thinking. It helps me truly understand you – the WHY you do what you do and the WHAT that motivates you to get up in the morning. This dialogue serves as the foundation for building your financial plan – the HOW we collaboratively achieve your goals on life's journey.
A Commitment to Education
Serving as your financial coach, I believe ongoing financial education helps ensure continuity as wealth moves from one life-stage to another and ultimately from one generation to the next. I believe it is my responsibility to assist you and your family to look across your assets and liabilities and adapt your strategy to those changing demands. As such, I am a life long learner who will provide you with the most recent and cutting edge advice.
A Concierge Service Experience
While there are many advisors who can provide a good plan and strategy, few excel at delivering a superior service model that emphasizes customized service and ongoing communication. I deliberately keep my practice to a select group of families so I can deliver a first-class experience. This enables me to spend quality time with each of my clients with the purpose of helping them achieve what they aspire to.
A Collaborative Approach
I believe you are entitled to the best advice possible. As a result, I have assembled a team of seasoned professionals from Morgan Stanley to provide customized solutions to help realize your goals. Below please find the details for the members of my team, specifically my Registered Client Service Associate Gabriel Gutierrez, who manages our account operations. In addition, an essential part of my philosophy is to partner with your accountant, your attorney, and your other trusted advisors to gain the precise knowledge needed to effectively manage all aspects of your wealth.
My Bio
Angel Chavez leads a wealth management team that provides personalized coaching and guidance to a select number of families, tech executives and business owners. He is deeply committed to his clients and has a passion for helping them successfully navigate the complexities they face in their financial lives.
A portfolio manager by trade, Angel was the chief operating officer of a successful technology start-up prior to venturing into the world of finance. He holds an International Finance degree from SF State University, his MBA from Golden Gate University as well as having completed executive development coursework at the Haas School of Business, UC Berkeley. A dedicated lifelong learner, Angel also possesses advanced designations within wealth management which allow him to stay current on industry trends and solutions, with the ultimate goal of providing a valued client experience.
In his spare time, Angel enjoys staying active and has competed in numerous Spartan Races over the years and has recently developed a passion for cycling. He is also a dedicated member of his community and is passionate about giving back by coaching youth sports, holding leadership positions at local foundations, and founding the Latino Men’s Giving Circle to address the persistent opportunity gaps faced by boys and young men of color.
Angel currently resides in San Francisco Bay Area with his wife and two children.
A portfolio manager by trade, Angel was the chief operating officer of a successful technology start-up prior to venturing into the world of finance. He holds an International Finance degree from SF State University, his MBA from Golden Gate University as well as having completed executive development coursework at the Haas School of Business, UC Berkeley. A dedicated lifelong learner, Angel also possesses advanced designations within wealth management which allow him to stay current on industry trends and solutions, with the ultimate goal of providing a valued client experience.
In his spare time, Angel enjoys staying active and has competed in numerous Spartan Races over the years and has recently developed a passion for cycling. He is also a dedicated member of his community and is passionate about giving back by coaching youth sports, holding leadership positions at local foundations, and founding the Latino Men’s Giving Circle to address the persistent opportunity gaps faced by boys and young men of color.
Angel currently resides in San Francisco Bay Area with his wife and two children.
Through a holistic modern wealth management approach we collaborate on what matters most to you and your family. From sending your children to college to enjoying a comfortable retirement, I am here to not only answer your financial questions, but help you implement the best strategies for your specific goals and circumstances. Here are just some of the questions I help my clients answer every day.
Life Events
Life is constantly changing. How do I prepare for a more secure future knowing that certain events can alter my plans?
Investing
I have so many things I want to do with my life. How can one investment strategy balance them all?
Cash Flow
I can predict some, but not all of my expenses. How do I invest for the future, but have the cash on hand I need for today?
Tax Strategies
How can I reduce the amount of taxes I pay, while staying fully invested?
Stock Option Analysis
Much of my compensation is tied up with my stock options and other important incentives. What factors should I consider when deciding when to exercise my options, and what happens to my options if I leave my company?
Impact Investing
I am passionate about making an impact with my investments. How can I customize my portfolio so that it reflects my values?
Retirement
I want a work-life balance and an active retirement lifestyle. How do I plan for retirement, so I can maintain my current lifestyle without worrying I’ll ever run out of money?
Estate Planning
Making sure my estate goes to the people and organizations I care about is important to me. How do I leave a lasting legacy?
Paying it forward
With deep roots in my community and a commitment to sustaining its character for future generations, I am actively engaged in creating a better and brighter future.
I am proud to be a member of the Morgan Stanley family and carry on the firm’s philanthropic culture of global citizenship. It is a tradition I embrace by giving back to my local communities which is innately embedded into the DNA of my practice.
I believe it is important for my clients to know about my community involvement because it stems from the same instincts that led me to pursue a career in helping others with their financial goals.
I care deeply about my clients and go the extra mile to make certain they understand I am here to help them grow, preserve and manage their wealth now and for the generations to come.
I am proud to be a member of the Morgan Stanley family and carry on the firm’s philanthropic culture of global citizenship. It is a tradition I embrace by giving back to my local communities which is innately embedded into the DNA of my practice.
I believe it is important for my clients to know about my community involvement because it stems from the same instincts that led me to pursue a career in helping others with their financial goals.
I care deeply about my clients and go the extra mile to make certain they understand I am here to help them grow, preserve and manage their wealth now and for the generations to come.
The Groups I proudly support
For years, I have given my time and support to a number of vital groups within Morgan Stanley and within my community. Here are the committees and organizations I actively support today:
National Diversity & Inclusion Council at Morgan Stanley
I am a current and active member of Morgan Stanley’s NDIC which is strongly committed to a diverse and inclusive workforce. I proudly serve on this committee, advocating for smart and creative ways to be a better firm and contribute to a better society.
https://www.morganstanley.com/about-us/diversityStanford Latino Entrepreneur Initiative – Latino Business Action Network (LBAN) – Mentor for business owners
I am an active Mentor for LBAN which is a non-profit organization with the purpose of strengthening the U.S. by improving the lives of Latinos. Our goal is to double the number of $10+ million, $100+ million and $1 billion+ businesses by 2025.
https://lban.us/Latino Community Foundation
I am a previous Board member of the Latino Community Foundation, which focuses on building a movement of civically-engaged philanthropic leaders. We invest in Latino-led organizations, and are committed to increasing participation of Latinos in California. Our motto is: Philanthropy for and by Latinos.
https://latinocf.org/Juma Ventures
I am a former board member of Juma Ventures, which strives to break the cycle of poverty by paving the way to work, education and financial capability for youth across America.
https://www.juma.org/Location
555 California St 35th
35th Floor
San Francisco, CA 94104
US
Direct:
(415) 984-6008(415) 984-6008
Fax:
(415) 984-6596(415) 984-6596
Meet My Team
About Gabriel Gutierrez
Gabriel has been working in finance since 2020. The son of a Mexican immigrant and originally from Napa, California, Gabriel graduated from Loyola University New Orleans with a degree in History International Studies. To complement his international studies, Gabriel is fluent in Spanish, French, and is currently improving his proficiency in Arabic. His language skills and historical background make it easy for him to connect with a diverse group of clients.
After graduating, Gabriel joined the finance industry, originally as a financial advisor. He is passionate about personal finance topics including financial planning, investments, and the importance of budgeting. He made a change to his current role as it allows him to spend more time servicing clients.
Outside of working with clients, Gabriel enjoys playing guitar, cooking, rugby, and keeping an active lifestyle. An Eagle Scout, Gabriel continues to volunteer in the Boy Scouts of America and mentor youth in developing their leadership and character.
After graduating, Gabriel joined the finance industry, originally as a financial advisor. He is passionate about personal finance topics including financial planning, investments, and the importance of budgeting. He made a change to his current role as it allows him to spend more time servicing clients.
Outside of working with clients, Gabriel enjoys playing guitar, cooking, rugby, and keeping an active lifestyle. An Eagle Scout, Gabriel continues to volunteer in the Boy Scouts of America and mentor youth in developing their leadership and character.
CA Insurance License #: 4046302
Wealth Management
Global Investment Office
Portfolio Insights
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
529 Plans: A Powerful Tool to Save for Education
Article Image
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
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
A Simple Six-Step Retirement Checkup
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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
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
Article Image
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
Article Image
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 Angel Chavez today.
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.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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 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.
5The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
6Morgan 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.
7Products 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.
8When 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.
9When 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.
10Alternative 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.
11Morgan 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
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’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.
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 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.
5The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
6Morgan 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.
7Products 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.
8When 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.
9When 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.
10Alternative 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.
11Morgan 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
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)
