Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(215) 497-7067(215) 497-7067
ArcPoint Group at Morgan Stanley
Direct:
(215) 497-7067(215) 497-7067
Our Mission Statement
Understanding your life priorities is an important part of how we work with the clients we serve. It’s not just about markets and returns, it’s about what matters most to you. We welcome the opportunity to show you how we can work together to create financial strategies designed around you, your goals, and your aspirations.
Our Story and Services
With our combined years of industry experience, we understand that when it comes to managing your wealth, it’s not just about mapping the ebb and flow of the global markets but prioritizing your life to ensure your goals are the center piece of your financial plan. Our systematic investment philosophy
allows us to be proactive, reacting efficiently to the ever-evolving economic environment through the intellectual capital of Morgan Stanley.
We believe in the value of a one-on-one relationship with someone committed to helping you achieve your goals. Someone that takes an interest in your life, who knows how hard you worked to get where you are, and how you define a successful life. Our commitment is grounded in helping you and your family for generations to come.
We acknowledge that feeling good about your finances means having confidence in the team that’s shepherding you to where you want to be while ensuring you’re involved in your success every step of the way. As your priorities change, we will meet and adjust our approach to ensure you’re always on track.
Whether you’re planning for retirement, saving to buy a home, or fund a child’s education, we start by getting to know you. Our clients are like family to us we look forward to being able to have a conversation around helping you prepare for a successful future.
allows us to be proactive, reacting efficiently to the ever-evolving economic environment through the intellectual capital of Morgan Stanley.
We believe in the value of a one-on-one relationship with someone committed to helping you achieve your goals. Someone that takes an interest in your life, who knows how hard you worked to get where you are, and how you define a successful life. Our commitment is grounded in helping you and your family for generations to come.
We acknowledge that feeling good about your finances means having confidence in the team that’s shepherding you to where you want to be while ensuring you’re involved in your success every step of the way. As your priorities change, we will meet and adjust our approach to ensure you’re always on track.
Whether you’re planning for retirement, saving to buy a home, or fund a child’s education, we start by getting to know you. Our clients are like family to us we look forward to being able to have a conversation around helping you prepare for a successful future.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Planning for Education FundingFootnote5
- Professional Portfolio ManagementFootnote6
- Asset Management
- Fixed IncomeFootnote7
- Cash Management and Lending ProductsFootnote8
- 401(k) Rollovers
- Long-term Care InsuranceFootnote9
- Life InsuranceFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
RETIRE WITH CONFIDENCE
We can help you map a comprehensive retirement plan that dynamically adjusts investing strategies based on the different stages of your life and accounts for your investing preferences, legacy goals, and life events. Let’s connect if you would like to learn more about how we can help you retire with confidence:
You’re Ready for Retirement. Is Your Portfolio?
What can you do to avoid running out of money in retirement? Fortunately, there are ways to help you prepare for the market's unknowns as you advance toward retirement.
Learn More Here
5 Mistakes to Avoid in Retirement
To keep your life and retirement goals on track, here are several pitfalls to avoid, as you embark on this new, exciting chapter in your life.
Learn More Here
You Work Hard, Make Your 401(k) Plan Work Harder
Retire the notion that it is still too early to save and start saving early so you will have the freedom to enjoy your future in style.
Learn More Here
A Simple Six-Step Retirement Checkup
How much money is enough for a comfortable retirement? Here are three strategies that may help you optimize your plan in the year ahead.
Learn More Here
Tax-Smart Strategies for Your Retirement
Figuring out ways to minimize how much the IRS takes from your retirement money should be a central part of retirement planning. Consider these strategies to help you reduce your taxable income, generate tax-advantaged growth potential in your accounts and keep more of what you’ve worked so hard to save.
Learn More Here
How to Avoid Outliving Your Retirement Savings
Americans are living longer; more than a third of today’s 65-year-olds expected to reach age 90. A longer-than-expected lifespan can put considerable strain on even a well-funded retirement plan. Will you be ready?
Let's PrepareCOMMUNITY INVOLVEMENT
Outside of our practice, we continue our passion for helping others by staying involved in our community and giving back to those in need.
Please Join Us for a Webinar on Understanding Social Media
Social Security is an important source of income for
many retired Americans. Understanding how Social
Security works—and what it provides—can help you
determine whether you’re on track for the retirement
you envision.
- The basics of Social Security
- Factors to consider in deciding when to
begin receiving benefits
- Non-retirement benefits of Social Security
- How to get started on planning for retirement
with Social Security in mind
Register for January 24th Session Heremany retired Americans. Understanding how Social
Security works—and what it provides—can help you
determine whether you’re on track for the retirement
you envision.
- The basics of Social Security
- Factors to consider in deciding when to
begin receiving benefits
- Non-retirement benefits of Social Security
- How to get started on planning for retirement
with Social Security in mind
Carry The Load
This is an event to honor and remember our nation's heroes who have made the ultimate sacrifice while serving our country This year, the team joined together and attended a relay in May.
Carry The Load started as a mission to restore the true meaning of Memorial Day. Today, it has grown to include more than just our military heroes and more than just the one holiday. Carry The Load works to bring all Americans together to participate in honoring our nation's heroes every day. The National Relay travels 20,000 miles during the month of May covering all continental 48 states, ending with the Dallas Memorial March.
Thank you to all our servicemen and women, veterans, their families, and all those who come after.
For more information about Carry The Load, visit their website linked below.
Carry The Load WebsiteCarry The Load started as a mission to restore the true meaning of Memorial Day. Today, it has grown to include more than just our military heroes and more than just the one holiday. Carry The Load works to bring all Americans together to participate in honoring our nation's heroes every day. The National Relay travels 20,000 miles during the month of May covering all continental 48 states, ending with the Dallas Memorial March.
Thank you to all our servicemen and women, veterans, their families, and all those who come after.
For more information about Carry The Load, visit their website linked below.
Food Bank of South Jersey
We had the pleasure of working beside volunteers from Morgan Stanley, in addition to the selfless full-time staff from the Food bank of South Jersey in June. Tim said, "There was a fantastic banner in the Warehouse where we were breaking down, sorting and repacking food donations that contained a quote from Albert Einstein. It read, 'Only a life lived for others is worth living' What an absolutely fantastic quote."
For more information on the Food Bank of South Jersey and the important work they do, check out their website linked below.
Food Bank of South Jersey WebsiteFor more information on the Food Bank of South Jersey and the important work they do, check out their website linked below.
Uplifting Athletes
Tim and his dog Rosie participated in the 10,000 mile challenge with "Uplifting Athletes" this past year. The challenge aims to raise money for underfunded and rare disease research. Tim and Rosie walked and ran 200 miles in 10 days!
For more information about Uplifting Athletes visit their website linked below.
Uplifting Athletes WebsiteFor more information about Uplifting Athletes visit their website linked below.
Philabundance
Our team members are coordinators for Philabundance in the Yardley, PA office. We gather our colleagues and friends to collect, donate, and delivery food for shelter distribution.
For more information about Philabundance, visit their website linked below.
Philabundance WebsiteFor more information about Philabundance, visit their website linked below.
Project Sunshine
The team put together STEM activity kits for hospital bound children as a part of Project Sunshine.
For more information about Project Sunshine, visit their website linked below.
Project Sunshine WebsiteFor more information about Project Sunshine, visit their website linked below.
Financial Literacy
Tim and some other kind hearted folks from Morgan Stanley spent some time teaching financial literacy to school age children in middle and high school under the Women in Wealth program at the Firm. Hoping not only to teach a good understanding of financial basics but financial independence as well.
St. John's Soup Kitchen
Recently, members of the ArcPoint group travelled to Newark, NJ to spend the day volunteering at the Soup Kitchen at St. John’s Church, which was started by Msgr. John P. Hourihan (“Father John” as he was affectionally known). Fr. John dedicated his life to helping the poor, the disabled and those in need, with great love and energy, and with the support of many people. He was able to keep the important work done at St. John’s alive through the free-will offerings of “doers & donors” as he liked to call the hundreds of volunteers and benefactors who supported his work. The day was spend receiving donations, organizing and delivering them, along with the distribution of supplies, and cold and hot meals for all those in need that showed up.
St. John's Soup Kitchen WebsiteWear Red Day 2025
In honor of the Go Red for Women® initiative that addresses the awareness and clinical care gaps of women’s greatest health threat, cardiovascular disease, our team partook in National Wear Red Day. Let's close the cardiovascular-disease gap and find ways to get connected to and support women through awareness.
INVESTMENT INSIGHT FROM OUR DESK TO YOURS
We make it a priority to not only help our clients stay up to date with their strategies but also with the market at large. Check here regularly to stay in the know with market news and content from our practice.
Thoughts On the Market Podcast
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.
Listen the Latest Episode
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read the Latest Report
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read the Latest Report
What’s the Difference Between Saving and Investing?
While saving and investing are similar, they have important differences. You’ll likely need both to achieve your financial goals.
Learn the Difference
Why Investing in the S&P 500 Isn’t True Diversification
With a handful of mega-cap stocks now dominating the S&P 500, investors should actively work to diversify their portfolios.
Read More
Election 2024 Resources
Get the latest from Morgan Stanley experts with our perspective on developments in U.S. and global elections.
Read MoreKEEPING YOU CONNECTED
Our investment strategy leverages modern wealth tools and cutting-edge technology. By providing you with the digital tools you need for today’s world of modern wealth, we can help you come one step closer to achieving your financial goals.
Morgan Stanley Online
Beyond viewing your account balance and activity, Morgan Stanley Online (MSO) has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with eAuthorizations.
View Accou
Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool.
Tool Access
Total Wealth View
View all your external financial accounts directly in Morgan Stanley Online or the mobile app. By linking your accounts, you’ll benefit from more informed wealth planning, secure data access and convenient connectivity.
Access Total Wealth View
Digital Vault
Digital Vault allows for easy sharing and convenient access to your most important documents from wills and deeds to financial statements and tax fillings. Easily manage your encrypted financial records all in one place.
Vault Access
eDelivery
eDelivery provides you with the ability to view statements and other documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Enroll in eDelivery
Goals Planning System
Our Goals Planning System is built on Morgan Stanley's intellectual capital and capabilities, to provide our clients with comprehensive investing and planning solutions for their individual goals.
Learn More
Morgan Stanley Mobile App
Securely access your Morgan Stanley account from virtually anywhere. Simply download it on your mobile device and use your Morgan Stanley Online username and password to log in. From there you will have a resource of MSO on the go.
Learn MoreLocation
777 Township Line Rd
Yardley, PA 19067
US
Direct:
(215) 497-7067(215) 497-7067
Meet ArcPoint Group
Phone:
(215) 497-7075(215) 497-7075
Margaret McGeehan
Senior Client Service Associate
Phone:
(215) 854-6282(215) 854-6282
About Me
Timothy Jayne is a Vice President and Senior Portfolio Manager at Morgan Stanley, with over 25 years of experience. For Tim, it’s all about meeting new clients and being a part of their story. It’s through these new partnerships that Tim begins the process of collaboration, so each client remains involved in their success every step of the way. Tim firmly believes financial planning comes first and it establishes the guidelines for him as the architect of the investment strategy. These strategies are centered around anticipated cash flow needs, individual investment objectives & tolerance for risk in addition to the needs and preferences of each client.
A humanitarian at heart, Tim spent time in the Army as a young adult volunteering for as many philanthropic missions as he could, developing a love of service to others and helping those who might not be able to help themselves. A graduate of Drexel and Columbia University, Tim studied architectural engineering and industrial engineering due to his fascination with complex problems and deriving intuitive, efficient solutions. The combination of these passions led him to finance where he would be able to apply his principles of service to others with a commitment to drive real life solutions for those who need it most. At a young age, Tim and his family were profoundly affected by the guidance of an advisor. It’s through this experience that Tim decided to be the change that he wanted to see in the world. He began in the Financial Advisor Training Program at Morgan Stanley Dean Witter in 1999 and later became an Arbitrator with FINRA in hopes that he would be able to help address the quality of advisors who hold such an important role in the lives of so many people.
Outside of work, Tim devotes most of his time and focus to family and to non-profit organizations such as Carry the Load, Wounded Warrior Project, Veterans of Foreign Wars, Susan G Komen Foundation, Project Sunshine, Food Bank of South Jersey, St John’s Soup Kitchen, Uplifting Athletes, Philabundance, and Habitat for Humanity. Tim is the happy father of four wonderful daughters, one son-in-law and one retired Service Dog.
A humanitarian at heart, Tim spent time in the Army as a young adult volunteering for as many philanthropic missions as he could, developing a love of service to others and helping those who might not be able to help themselves. A graduate of Drexel and Columbia University, Tim studied architectural engineering and industrial engineering due to his fascination with complex problems and deriving intuitive, efficient solutions. The combination of these passions led him to finance where he would be able to apply his principles of service to others with a commitment to drive real life solutions for those who need it most. At a young age, Tim and his family were profoundly affected by the guidance of an advisor. It’s through this experience that Tim decided to be the change that he wanted to see in the world. He began in the Financial Advisor Training Program at Morgan Stanley Dean Witter in 1999 and later became an Arbitrator with FINRA in hopes that he would be able to help address the quality of advisors who hold such an important role in the lives of so many people.
Outside of work, Tim devotes most of his time and focus to family and to non-profit organizations such as Carry the Load, Wounded Warrior Project, Veterans of Foreign Wars, Susan G Komen Foundation, Project Sunshine, Food Bank of South Jersey, St John’s Soup Kitchen, Uplifting Athletes, Philabundance, and Habitat for Humanity. Tim is the happy father of four wonderful daughters, one son-in-law and one retired Service Dog.
Securities Agent: NH, CA, TN, NM, KS, WI, WA, TX, ME, NV, NJ, MO, IN, IL, LA, AZ, VT, OH, DE, DC, VA, RI, OR, IA, FL, MA, CT, PA, NY, MD, GA, SC, CO, NC, HI; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1611413
NMLS#: 1611413
About Me
Michael has been working in the financial services industry since 1997. He has developed his skills in wealth management through experiences at Vanguard, Goldman Sachs, Wachovia Securities, UBS Financial Services and Merrill Lynch Wealth Management prior to beginning his role at Morgan Stanley.
Michael focuses on delivering a comprehensive approach to managing wealth that begins with listening to a client's needs and helps to ensure every strategy is grounded in understanding what each client wants to achieve.
He and his wife Katie as well as their two sons, Danny and Jack, live in Huntingdon Valley, Pennsylvania and together they can often be found spending summer weekends enjoying the beach in Sea Isle City, New Jersey.
Michael focuses on delivering a comprehensive approach to managing wealth that begins with listening to a client's needs and helps to ensure every strategy is grounded in understanding what each client wants to achieve.
He and his wife Katie as well as their two sons, Danny and Jack, live in Huntingdon Valley, Pennsylvania and together they can often be found spending summer weekends enjoying the beach in Sea Isle City, New Jersey.
Securities Agent: CT, RI, IL, GA, TN, IN, FL, CA, OH, WI, VT, NV, NC, MA, KS, CO, WA, IA, PA, NM, ME, DC, AZ, VA, HI, SC, NY, NH, OR, NJ, MO, MD, TX, LA, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 1620824
NMLS#: 1620824
About Margaret McGeehan
My summer after high school in 1982, I joined The Philadelphia Stock Exchange floor as a key-punch operator. I advanced as a Sales Assistant at various Brokerage firms. I have been with Morgan Stanley since 2010 when I began work as a Senior Client Services Associate. My varied career has left me with deep knowledge of industry and has impressed on me the importance of great customer service.
As a Senior Client Service Associate, I have the pleasure of interacting with many clients on a daily basis. It gives me great satisfaction to be able to represent Morgan Stanley as the first person to come in contact with our diverse and valued clients. I am generally the clients’ initial contact who opens and maintains accounts, resolves problems, handles money movement needs, and coordinates banking, among my many duties. My unique personality and excellent customer service abilities allow me to serve Morgan Stanley’s diverse clients in a way that makes every one of them feel like they are a part of the Morgan Stanley Family.
I live with my husband, John, in Holmesburg in Philadelphia. My son, Christopher lives in Oregon and I miss him. I have two wonderful grandchildren, Reagan and Fionn, as well as two stepchildren, Bridget and John. My identical twin sister, Kimmy, also works in financial services and lives in Delaware County. Family is one of the most important things in my life. My husband and I support Homes For Our Troops and Gary Sinise Fund (my Son-in-law is a double amputee from Afghanistan), The Spinal Cord Injury Network, and The Miami Project To Cure Paralysis. My passion for service and family are truly what fuels my love for the work I do.
I look forward to speaking with you soon!
As a Senior Client Service Associate, I have the pleasure of interacting with many clients on a daily basis. It gives me great satisfaction to be able to represent Morgan Stanley as the first person to come in contact with our diverse and valued clients. I am generally the clients’ initial contact who opens and maintains accounts, resolves problems, handles money movement needs, and coordinates banking, among my many duties. My unique personality and excellent customer service abilities allow me to serve Morgan Stanley’s diverse clients in a way that makes every one of them feel like they are a part of the Morgan Stanley Family.
I live with my husband, John, in Holmesburg in Philadelphia. My son, Christopher lives in Oregon and I miss him. I have two wonderful grandchildren, Reagan and Fionn, as well as two stepchildren, Bridget and John. My identical twin sister, Kimmy, also works in financial services and lives in Delaware County. Family is one of the most important things in my life. My husband and I support Homes For Our Troops and Gary Sinise Fund (my Son-in-law is a double amputee from Afghanistan), The Spinal Cord Injury Network, and The Miami Project To Cure Paralysis. My passion for service and family are truly what fuels my love for the work I do.
I look forward to speaking with you soon!
Contact Timothy Jayne
Contact Michael Brooks
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
Rachael Crapsi, CFP®
Financial Planning Director, Vice President
Adrian Schwartz, CFP®
Financial Planning Director, Vice President
About Rachael Crapsi
Rachael Crapsi, CFP® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Florida. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Rachael began her career in financial services in 2012 and joined Morgan Stanley in 2021. Prior to her current position, she has worked as a Financial Advisor at J.P. Morgan and Fifth Third Private Bank serving affluent families by developing authentic, lasting relationships while helping to build, preserve and transfer wealth.
Rachael graduated from The Ohio State University earning degrees in both Finance and International Business with a focus in Mandarin and holds her Certified Financial Planner® designation. Rachael is from Buffalo, New York, but now resides in Jacksonville, Florida. Outside of work Rachael enjoys playing soccer, traveling and cooking.
Rachael began her career in financial services in 2012 and joined Morgan Stanley in 2021. Prior to her current position, she has worked as a Financial Advisor at J.P. Morgan and Fifth Third Private Bank serving affluent families by developing authentic, lasting relationships while helping to build, preserve and transfer wealth.
Rachael graduated from The Ohio State University earning degrees in both Finance and International Business with a focus in Mandarin and holds her Certified Financial Planner® designation. Rachael is from Buffalo, New York, but now resides in Jacksonville, Florida. Outside of work Rachael enjoys playing soccer, traveling and cooking.
About Adrian Schwartz
Adrian Schwartz is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices the Greater Philadelphia and Coastal New Jersey markets. He is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Adrian began his career in financial services in 2011 and joined Morgan Stanley in 2021. Prior to his current position, Adrian worked at TD Ameritrade in New York where he worked with some of the firm’s wealthiest clients in the region and managed two branches.
Adrian graduated from Rutgers Business School with an MBA and holds his CERTIFIED FINANCIAL PLANNER designation. Adrian lives in Manalapan, NJ with his wife and two young children. Outside of work, Adrian spends most of his time with his family. When the opportunity presents itself, he also enjoys playing guitar and golfing.
Adrian began his career in financial services in 2011 and joined Morgan Stanley in 2021. Prior to his current position, Adrian worked at TD Ameritrade in New York where he worked with some of the firm’s wealthiest clients in the region and managed two branches.
Adrian graduated from Rutgers Business School with an MBA and holds his CERTIFIED FINANCIAL PLANNER designation. Adrian lives in Manalapan, NJ with his wife and two young children. Outside of work, Adrian spends most of his time with his family. When the opportunity presents itself, he also enjoys playing guitar and golfing.
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
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
Tax-Smart Ways to Sell Securities
How investors can tap their portfolios in tax-savvy ways.
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
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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
Ready to start a conversation? Contact ArcPoint Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Morgan 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
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.
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:
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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.
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*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
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Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Morgan 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
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.
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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.
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Awards Disclosures
CRC 6491812 (04/2024)
