Patrick J. St. Onge
Wealth Management Associate
Phone:
(212) 603-6217(212) 603-6217
Anne Izzillo
Senior Vice President, Wealth Management,
Financial Advisor,
Senior Portfolio Management Director,
Family Wealth Advisor,
Financial Planning Specialist,
Lending Specialist
Direct:
(212) 603-6186(212) 603-6186
My Mission Statement
Empowering you to pursue your life goals through a personal and caring experience that begins with a deep understanding of your priorities.
My Story
Over the years, many clients have come to appreciate working with a knowledgeable advisor who has experienced some of the same situations they now face. I make it a priority to be your advocate, addressing your specific challenges in a caring, thoughtful manner.
With passion and attention to detail, I help guide you in making sound decisions about your wealth through ongoing education and a commitment to outstanding service. We begin with a deep understanding of what’s important to you, your family and your legacy. This information serves as the foundation for the development of a comprehensive financial plan that is uniquely yours.
As a Family Wealth Advisor and Portfolio Management Director, I combine two important skills: The ability to work through unique and often complicated family dynamics around your wealth and the insights to build and manage an investment portfolio that is aligned with your goals and values.
My experience in international finance – combined with a keen understanding of macro-economic trends – enables me to help take the mystery out of the markets, delivering a disciplined approach to smart money management.
Getting started is easy. It begins with a conversation. I look forward to getting to know you and sharing details on how we can work together in an effort to enhance the quality of your financial life. My ultimate mission is to empower you to be more confident now in making important financial decisions, while enabling you to transfer wealth to future generations or your most cherished philanthropic interests.
With passion and attention to detail, I help guide you in making sound decisions about your wealth through ongoing education and a commitment to outstanding service. We begin with a deep understanding of what’s important to you, your family and your legacy. This information serves as the foundation for the development of a comprehensive financial plan that is uniquely yours.
As a Family Wealth Advisor and Portfolio Management Director, I combine two important skills: The ability to work through unique and often complicated family dynamics around your wealth and the insights to build and manage an investment portfolio that is aligned with your goals and values.
My experience in international finance – combined with a keen understanding of macro-economic trends – enables me to help take the mystery out of the markets, delivering a disciplined approach to smart money management.
Getting started is easy. It begins with a conversation. I look forward to getting to know you and sharing details on how we can work together in an effort to enhance the quality of your financial life. My ultimate mission is to empower you to be more confident now in making important financial decisions, while enabling you to transfer wealth to future generations or your most cherished philanthropic interests.
Services Include
- Wealth ManagementFootnote1
- Retirement PlanningFootnote2
- Professional Portfolio ManagementFootnote3
- Sustainable InvestingFootnote4
- Family Consulting
- Wealth Management & Divorce
- Financial PlanningFootnote5
- Planning for Education FundingFootnote6
- Executive Financial ServicesFootnote7
- Estate Planning StrategiesFootnote8
- Trust Services and Accounting
- Life InsuranceFootnote9
- Long Term Care InsuranceFootnote10
- Alternative InvestmentsFootnote11
- Cash Management and Lending ProductsFootnote12
Securities Agent: CO, NV, NJ, PA, MI, OR, MD, MA, FL, NC, CA, VA, OH, GA, DC, TX, LA, CT, NY, SC, KS; General Securities Representative; Investment Advisor Representative
NMLS#: 1316505
NMLS#: 1316505
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
1. Introduction
We begin with a conversation to understand your concerns and determine how we can add value. Since not every advisor is a good match for every client, we introduce you to our approach and share our fee structure. If we all agree to move forward, we schedule our next meeting and request important financial information.
2. Discovery
We continue the dialogue by fostering an in-depth conversation where we learn about the values that shape your decisions and identify any unique circumstances. We also review the documents you’ve prepared and define your priorities.
3. Analysis and Plan Development
Here, we utilize industry-leading financial planning tools to develop a personalized and detailed financial plan with specific recommendations to help you grow, preserve and transfer your wealth. This serves as the foundation for building your initial plan, as well as future wealth management decisions.
4. Plan Presentation
In this step, we present your financial plan that includes an investment portfolio that aligns your investments with your goals, your timeframe and your risk level. We also discuss other wealth management solutions that may include risk management techniques and estate planning strategies.
5. Plan Implementation
Upon your approval of our recommendations, we begin to implement the strategies outlined in the plan. Once assets have been transferred to Morgan Stanley and are aligned with your investment strategy, we walk you through the details of your new statement and introduce all of the tools and resources now available to you.
6. Ongoing Service and Care
Committed to a first-class experience, we focus on developing longstanding relationships that can potentially provide special value to you and your family. We speak with you regularly to provide updates on your accounts. We also monitor progress towards each of your goals, adjusting your financial plan accordingly as changes in your life occur with quarterly meetings.
Morgan Stanley HER Way Initiative
Launched in 2017, HER Way is a cross-platform community of women dedicated to helping one another achieve our personal and financial goals. HER Way’s goal is simple but powerful: we want you to feel informed and inspired, so you can EMBRACE your financial decision making, build a strong foundation and network, and have the freedom you need to pursue your interests and passions. By connecting you with a supportive community and quality information curated by seasoned women Morgan Stanley financial advisors, we aim to EMPOWER you and help you live your best life, the way you want – HER way.
HER Way: Helping women ENGAGE financially, EMBRACE opportunity and become EMPOWERED to live their best lives
HER Way: Helping women ENGAGE financially, EMBRACE opportunity and become EMPOWERED to live their best lives
Past Events:
12/13/2023- Photo Exhibition: Andrew Moore's Whiskey point and Other Tales
The HER Way community came together to showcase the remarkable work of Andrew Moore at Yancey Richardson gallery. Moore's photography delves into the intersections of history and place, capturing vibrant moments in architectural structures and landscapes around the world. The exhibition, Whiskey Point and Other Tales, delves into the dazzling scenes and moody vistas of the storied Hudson Valley of New York.
7/19/2023- Uncorking the Secrets of Wealth Management: A “Tasting” Journey Through Wealth Management:
The HER Way community came together for a fantastic evening of lively discussion and fellowship as we held a “tasting” journey through wealth management. This was a wine and wealth event led by Hannah Weiss, Certified Sommelier at Astor Wines and Spirits and Morgan Stanley financial professionals.
5/24/2023- Inflation, Recession, Bank Failures, and the Debt Ceiling – Perspectives on the Economic and Political Landscape for 2023
Now that Covid is no longer monopolizing headlines, there are so many other topics weighing on our minds. Learn how investors are rethinking portfolio construction. PIMCO’s Head of Public Policy, Libby Cantrill, and Morgan Stanley’s own Chief Investment Officer, Lisa Shalett, share their views on today’s most pressing economic and political headwinds.
2/15/2023- The Power of Activist Philanthropy in the face of the Climate Emergency
This is the moment to embrace collaboration, compassion and community – the inherent qualities of female leadership which have been missing at decision making tables worldwide. Guest speaker Sally Ranney, President/Co-Founder of Global Choices (GC), joins us for a discussion on The Power of Activist Philanthropy in the face of the Climate Emergency.
9/29/2022- Setting the Right Goals to Achieve Financial Success
The HER Way committee at Morgan Stanley has planned an evening of fun to educate you on a variety of important financial topics with our guest speaker Joseph M. Terranova, Chief Market Strategist for Virtus Investment Partners, who will address setting the right goals to achieve financial success. Other topics include the market impact of mid-term elections, financial opportunities within current market conditions, and controlling behavior in difficult market environments.
The HER Way community came together to showcase the remarkable work of Andrew Moore at Yancey Richardson gallery. Moore's photography delves into the intersections of history and place, capturing vibrant moments in architectural structures and landscapes around the world. The exhibition, Whiskey Point and Other Tales, delves into the dazzling scenes and moody vistas of the storied Hudson Valley of New York.
7/19/2023- Uncorking the Secrets of Wealth Management: A “Tasting” Journey Through Wealth Management:
The HER Way community came together for a fantastic evening of lively discussion and fellowship as we held a “tasting” journey through wealth management. This was a wine and wealth event led by Hannah Weiss, Certified Sommelier at Astor Wines and Spirits and Morgan Stanley financial professionals.
5/24/2023- Inflation, Recession, Bank Failures, and the Debt Ceiling – Perspectives on the Economic and Political Landscape for 2023
Now that Covid is no longer monopolizing headlines, there are so many other topics weighing on our minds. Learn how investors are rethinking portfolio construction. PIMCO’s Head of Public Policy, Libby Cantrill, and Morgan Stanley’s own Chief Investment Officer, Lisa Shalett, share their views on today’s most pressing economic and political headwinds.
2/15/2023- The Power of Activist Philanthropy in the face of the Climate Emergency
This is the moment to embrace collaboration, compassion and community – the inherent qualities of female leadership which have been missing at decision making tables worldwide. Guest speaker Sally Ranney, President/Co-Founder of Global Choices (GC), joins us for a discussion on The Power of Activist Philanthropy in the face of the Climate Emergency.
9/29/2022- Setting the Right Goals to Achieve Financial Success
The HER Way committee at Morgan Stanley has planned an evening of fun to educate you on a variety of important financial topics with our guest speaker Joseph M. Terranova, Chief Market Strategist for Virtus Investment Partners, who will address setting the right goals to achieve financial success. Other topics include the market impact of mid-term elections, financial opportunities within current market conditions, and controlling behavior in difficult market environments.
Concentrated Stock Positions
If you have a concentrated stock position from an inheritance, employment stock grants or through building a position over time, you may want to seek to protect yourself against market declines by diversifying your holdings. Concentrated positions can increase investment risk. The simplest way to reduce that risk is to diversify your portfolio. However, many investors may be unable or unwilling to sell their concentrated position. Therefore, you may want to discuss potential hedging and monetization strategies.
Potential Options to Diversify a Concentrated Stock Position
- Access liquidity against your position
- Employ a hedging strategy
- Use an exchange fund
- Equities sales & product solutions
- Derivative solutions
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Our Investing with Impact platform has designed a proprietary process to identify your impact priorities and match them with one of our 360+ investment strategies or customizable portfolio solutions across asset classes, to tailor your portfolio and monitor both financial and impact results over time.
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With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
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Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program for eligible Morgan Stanley clients designed to deliver additional value beyond wealth management. The program provides access to exclusive offers and discounts from premium brands, as well as curated content from our partners and Morgan Stanley thought leaders.
Reserved Living & Giving
Your Guide to Life & Money
This powerful guide helps you, navigate major life milestones with confidence through articles, checklists and interviews. The book covers topics such as starting a family, pursuing a passion or giving back.
Chapter 1 – Graduating College: A Whole New World
2024 Federal Income Tax Tables
In 2024, the IRS has implemented adjustments to the Federal Income Tax Table to account for inflation.
2024 Federal Tax Table
How to Break the Ice Around Family Finances
Money is one of the trickiest topics to discuss. The tough part is getting started, but avoiding the conversation can lead to problems. Learn how to start the dialogue with your family.
Read More
Women and Wealth: Planning Your Financial Future
Armed with education and a plan, women can feel more confident about their financial goals and how they’ll achieve them.
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Taking Control of Your Finances after Divorce
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
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55 East 52nd Street 10th
Fl
New York, NY 10055
US
Direct:
(212) 603-6186(212) 603-6186
Fax:
(212) 765-1057(212) 765-1057
Meet My Team
Simone G. Vinocour
Financial Advisor, Financial Planning Specialist
Phone:
(212) 230-3693(212) 230-3693
Daniel Izzillo
Client Service Associate
Phone:
(212) 603-6169(212) 603-6169
About Patrick J. St. Onge
Patrick St. Onge was born and raised in Bronxville, New York. He graduated Fordham Preparatory School with Honors and then earned a Business Administration degree at Loyola University Maryland where he majored in Finance and minored in Information Systems. Patrick has been working with Anne since 2015 and enjoys playing lacrosse.
About Simone G. Vinocour
Highly regarded for her product and markets knowledge and demonstrated ability to build long-term relationships with clients, Simone Vinocour is a Financial Advisor and Financial Planning Specialist with Morgan Stanley.
With over 20 years of progressive experience in helping multinational Fortune 500 corporate clients in the consumer products and retail, as well as pharmaceutical and medical device industries achieve their financial goals, she is using these same skills to provide wealth management services and solutions to individuals and families, corporate executives and business owners to help them achieve their own financial goals. Known for her distinctive ability to develop strategic long-term relationships, she excels in aligning clients’ needs with the firm’s product offer and research insight to bring solutions.
Simone is passionate about all aspects of wealth management and has a proactive approach in assisting clients in the management of their financial lives so they have greater capacity to pursue their own professional and personal pursuits. Simone understands the challenges that many of her clients face throughout their lives and the importance of having an advisor to navigate “milestone” financial events such as planning for college, managing executive compensation and retirement planning. Life can often throw a curveball, but a comprehensive financial plan can help to mitigate these financial challenges.
As a recognized leader in diversity and inclusion initiatives, she also is passionate about empowering women in the financial services community and beyond to have the necessary skills for financial and professional success. Simone has been involved
actively in the Financial Women’s Association (FWA) of New York since 2002 and is currently its President and Chair of the Board of Directors. She actively serves as a mentor to rising talent in the industry.
Simone’s extensive global experience gives her insight into how global markets impact investors. Simone obtained her MBA in Finance and International Management at New York University, Leonard N. Stern School of Business, and her B.S. in Business Administration at Georgetown University where she studied marketing and German. She additionally studied at Erasmus University, Rotterdam School of Management, completing the International Management Program. She continued to live and work in banking in the Netherlands for six years. Simone holds Series 7, 63, 66 and 79 certifications and is a licensed insurance
broker for life, variable, and accident & health insurance as well as long term care. With varying language proficiencies in Dutch, German and French, she is adept in building relationships worldwide across all cultures.
Simone presently resides in New York City, where in her free time she enjoys travel, jazz, and ballet with her husband and two children. Simone also is on the Ministry Council of St. Ignatius Loyola parish in Manhattan and serves as the parish’s Chair of its Interfaith Ministry. On Sunday mornings, you can find her there singing in the Wallace Hall Choir.
With over 20 years of progressive experience in helping multinational Fortune 500 corporate clients in the consumer products and retail, as well as pharmaceutical and medical device industries achieve their financial goals, she is using these same skills to provide wealth management services and solutions to individuals and families, corporate executives and business owners to help them achieve their own financial goals. Known for her distinctive ability to develop strategic long-term relationships, she excels in aligning clients’ needs with the firm’s product offer and research insight to bring solutions.
Simone is passionate about all aspects of wealth management and has a proactive approach in assisting clients in the management of their financial lives so they have greater capacity to pursue their own professional and personal pursuits. Simone understands the challenges that many of her clients face throughout their lives and the importance of having an advisor to navigate “milestone” financial events such as planning for college, managing executive compensation and retirement planning. Life can often throw a curveball, but a comprehensive financial plan can help to mitigate these financial challenges.
As a recognized leader in diversity and inclusion initiatives, she also is passionate about empowering women in the financial services community and beyond to have the necessary skills for financial and professional success. Simone has been involved
actively in the Financial Women’s Association (FWA) of New York since 2002 and is currently its President and Chair of the Board of Directors. She actively serves as a mentor to rising talent in the industry.
Simone’s extensive global experience gives her insight into how global markets impact investors. Simone obtained her MBA in Finance and International Management at New York University, Leonard N. Stern School of Business, and her B.S. in Business Administration at Georgetown University where she studied marketing and German. She additionally studied at Erasmus University, Rotterdam School of Management, completing the International Management Program. She continued to live and work in banking in the Netherlands for six years. Simone holds Series 7, 63, 66 and 79 certifications and is a licensed insurance
broker for life, variable, and accident & health insurance as well as long term care. With varying language proficiencies in Dutch, German and French, she is adept in building relationships worldwide across all cultures.
Simone presently resides in New York City, where in her free time she enjoys travel, jazz, and ballet with her husband and two children. Simone also is on the Ministry Council of St. Ignatius Loyola parish in Manhattan and serves as the parish’s Chair of its Interfaith Ministry. On Sunday mornings, you can find her there singing in the Wallace Hall Choir.
Securities Agent: KS, NY, GA, DC, NC, AZ, MI, LA, FL, IL, CO, TX, MD, CA, WI, OH, MA, CT, WA, SC, PA, VA, NV, NJ; General Securities Representative; Investment Advisor Representative
About Daniel Izzillo
As a Client Service Associate, Daniel Izzillo is responsible for day-to-day administrative and investment-related operations. Daniel began his career at Morgan Stanley in January 2022 after interning with Anne and her team in their New York office in the summer of 2019. This internship led Daniel to switch his major in college from Health Sciences to Finance.
Daniel plays a pivotal role on the team by assisting clients with Morgan Stanley’s suite of digital services, enhancing the overall experience that our clients enjoy.
Daniel graduated Duquesne University with a degree in Finance. He is originally from Montclair, New Jersey and currently resides in Manhattan, New York. Daniel is a huge hockey fan and enjoys playing in his free time and cheering on the New York Rangers.
Daniel plays a pivotal role on the team by assisting clients with Morgan Stanley’s suite of digital services, enhancing the overall experience that our clients enjoy.
Daniel graduated Duquesne University with a degree in Finance. He is originally from Montclair, New Jersey and currently resides in Manhattan, New York. Daniel is a huge hockey fan and enjoys playing in his free time and cheering on the New York Rangers.
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
Megan Auslaender
Private Banker
About Megan Auslaender
Megan Auslaender is a Private Banker serving Morgan Stanley Wealth Management offices in New York City.
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.
Megan began her career in financial services in 2007 and joined Morgan Stanley in 2010 as a Wealth Management Associate. Prior to being promoted to her current position, she served as an Associate Private Banker in New York and Massachusetts. Before she joined the firm, she was a Registered Sales Assistant for Johnston, Lemon & Company Inc. in
Washington, DC.
Megan is a graduate of the Pennsylvania State University where she received a Bachelor of Science in Economics. She lives in Manhattan with her husband and two daughters. Outside of the office, she enjoys spending time with her family, exploring the city, and traveling.
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.
Megan began her career in financial services in 2007 and joined Morgan Stanley in 2010 as a Wealth Management Associate. Prior to being promoted to her current position, she served as an Associate Private Banker in New York and Massachusetts. Before she joined the firm, she was a Registered Sales Assistant for Johnston, Lemon & Company Inc. in
Washington, DC.
Megan is a graduate of the Pennsylvania State University where she received a Bachelor of Science in Economics. She lives in Manhattan with her husband and two daughters. Outside of the office, she enjoys spending time with her family, exploring the city, and traveling.
NMLS#: 1418876
Wealth Management
From My Desk
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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
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
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
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Donor Advised Funds: A Smart Way to Manage Your Giving
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Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
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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
Ready to start a conversation? Contact Anne Izzillo today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan 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.
4The 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.
5Morgan 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.
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.
7Morgan 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.
8Morgan 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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Alternative 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.
12Morgan 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.
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Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan 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.
4The 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.
5Morgan 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.
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.
7Morgan 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.
8Morgan 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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Alternative 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.
12Morgan 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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Awards Disclosures
CRC 6491812 (04/2024)
