David Bartoli, CFP®
Executive Director, Wealth Advisor, Insurance Planning Director
Phone:
(717) 255-6689(717) 255-6689
Bartoli Wealth Management Group at Morgan Stanley
Our Mission Statement
Personalized Wealth Management
Experience Matters
Experience Matters
About Us
Life is personal for everyone,
Wealth Management and Legacy Planning are no different.
We welcome the opportunity to meet with you and learn about your unique vision of life, family, and legacy.
Let us help you design your future.
Services Include
- Wealth ManagementFootnote1
- Retirement PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Professional Portfolio ManagementFootnote4
- Financial PlanningFootnote5
- AnnuitiesFootnote6
- 401(k) Rollovers
- Business Succession PlanningFootnote7
- Executive Financial ServicesFootnote8
- Life InsuranceFootnote9
- Long Term Care InsuranceFootnote10
- Planning for Education FundingFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Certifications & Designations
Our team has 88 years of combined experience and several advanced designations.
David C. Bartoli Financial Advisor Financial Advisor CFP® (2000-Present)
Stephen M. Bartoli Financial Advisor CIMA®, CPWA® (1999-Present)
Patrick P. Bartoli Financial Advisor CFP® (2014-Present)
W Craig McLean Financial Advisor CIMA® (1983-Present)
David C. Bartoli Financial Advisor Financial Advisor CFP® (2000-Present)
Stephen M. Bartoli Financial Advisor CIMA®, CPWA® (1999-Present)
Patrick P. Bartoli Financial Advisor CFP® (2014-Present)
W Craig McLean Financial Advisor CIMA® (1983-Present)
Forbes Best-In-State Wealth Management Teams (2023 - 2025)
Source: Forbes (Awarded Jan 2023 - 2025). Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22, 3/31/22-3/31/23, and 3/31/23-3/31/24.
Disclosures
CERTIFIED FINANCIAL PLANNER®
The CERTIFIED FINANCIAL PLANNER® certification is the standard of excellence in financial planning. CFP® professionals meet rigorous education, training and ethical standards, and are committed to serving their clients' best interests today to prepare them for a more secure tomorrow.
Certified Investment Management Analyst®
The CERTIFIED INVESTMENT MANAGEMENT ANALYST® certification is the peak international, technical portfolio construction program for investment consultants, analysts, financial advisors and wealth management professionals.
Certified Private Wealth Advisor®
The CERTIFIED PRIVATE WEALTH ADVISOR® certification is designed for Financial Advisors and consultants who work with high-net-worth clients. The CPWA® professional is armed with the knowledge and skills necessary to guide sophisticated clients through the life cycle of wealth: accumulation, preservation, and distribution.
Family Wealth Director
At Morgan Stanley, we have an elite group of Financial Advisors who earned the FAMILY WEALTH DIRECTOR designation. It is given to those who have extensive experience working with ultra-high net worth families, and who have undergone specialize training. FWDs have direct access to an extensive range of resources needed to help highly affluent families manage the complex, multigenerational challenges of managing significant wealth.
Insurance Planning Director
At Morgan Stanley, recipients of the INSURANCE PLANNING DIRECTOR designation have demonstrated a commitment to, and understanding of, holistic goals-based wealth management planning through the incorporation of insurance solutions into their practice as a foundational component of risk management.
Our Process
As your team, our main objective is simply to get you to where you want to go. With our process, we are able to create and implement solutions tailored to your specific needs in order to help you achieve current and future goals.
1. Establish Financial Objectives
We start with a conversation to understand your entire financial picture. We work with you to establish a realistic set of objectives based on your financial goals, time horizon, liquidity needs and tolerance to volatility and risk.
Complimentary Financial Planning Analysis
2. Define Investment Strategy
Our team works with you to assess various scenarios and advise you on the appropriate strategies designed to meet those goals. We develop an investment strategy designed to help produce optimal portfolio performance: the highest return potential consistent with the strategy’s level of risk.
3. Evaluate and Select Investments
We look across multiple accounts and products to identify the combination that helps you invest tax efficiently and meet your spending needs. We leverage the global resources of Morgan Stanley to select investments to implement your personal strategy.
4. Ongoing Review Process
Together we will review of your financial situation periodically with the ability to recommend adjustments according to your needs, life events and changing market conditions. You have the ability to track your portfolio’s performance relative to your stated objectives—and modify the portfolio on a discretionary basis as your needs and circumstances change over time.
Learn More About Our Portfolio Management ProcessPLANNING FOR YOU AND YOUR FAMILIES’ FINANCIAL NEEDS
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Philanthropic Planning
Your set of Philanthropic objectives is as personal as your vision of a better world. Determining your objectives however, can be challenging when there are so many worthy causes and so many unmet needs.
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Trust & Estate Planning
With you every step of the way. We analyze your tax and estate structures so that their tax characteristics are accurately incorporated in the asset allocation analysis performed for the client.
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Morgan Stanley Reserved Insights
MS Reserved Insights
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Read MoreReserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Timely Resources & Events
We believe financial Education leads to better insights into our investment strategy. As a result, we are committed to providing you with important information about managing your wealth more effectively in today's global market.
Protecting Your Assets in a Digital Age with Rachel Wilson
Join us on Thursday, June 20th for an informative discussion about cybersecurity with Rachel Wilson, Chief Data Officer of Morgan Stanley Wealth Management.
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Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
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The Morgan Stanley Global Investment Office provides you with world-class thought leadership timely market commentary, and portfolio ideas to help guide your investment decisions.
Morgan Stanley Portfolio Insights
What Should I Do With My Money?
Matching real people, asking real questions about their money, with experienced Financial Advisors. You’ll hear answers to important questions like: Is now the right time to buy a house? What to do if your business fails? How should I be saving to cover the cost of college? How much do I really need to retire and am I on track? Join us as our guests share their stories around life's major moments. And hear the difference a conversation can make. Hosted by Morgan Stanley Wealth Management’s Jamie Roô.
Listen HereLocation
214 Senate Ave 7th
Fl
Camp Hill, PA 17011
US
Toll-Free:
(866) 600-9470(866) 600-9470
Meet Bartoli Wealth Management Group
Stephen Bartoli, CIMA®, CPWA®
Executive Director, Wealth Advisor, Family Wealth Director
Phone:
(717) 255-6691(717) 255-6691
Patrick Bartoli, CFP®
Vice President, Financial Advisor
Phone:
(717) 255-6687(717) 255-6687
W Craig McLean, CIMA®
Senior Vice President, Financial Advisor, Senior Investment Management Consultant
Phone:
(717) 730-1870(717) 730-1870
Leigh F. Beshaw
Registered Client Service Associate
Phone:
(717) 255-6653(717) 255-6653
Kirsten A. Rodriguez
Business Development Associate
Phone:
(717) 255-6676(717) 255-6676
Andrea Taylor
Registered Client Service Associate
Phone:
(717) 730-1814(717) 730-1814
About David Bartoli
David takes pride in developing effective personal and professional relationships with each of his clients. His main focus, since starting with the firm in 2000, is developing an in depth understanding of each of his clients' needs and offering a personalized approach with custom solutions. He focuses on wealth management, investment consulting and risk management.
As a Morgan Stanley Wealth Advisor, David is required to undergo extensive and ongoing training - among the most comprehensive in the industry. As he continually expands his wealth management capabilities he consistently integrates that knowledge into his daily practice. Also, as the team’s leader he has taken on the responsibilities of coordinating our efforts to bring a complete and cohesive approach of wealth management to all of Bartoli Wealth Management Group’s clientele.
David graduated from Elizabethtown College with a double major in Political Science and Environmental Science. He received his Master's degree in Quality Assurance and Regulatory Affairs from Temple University.
Today, David and his wife, Beth, reside in Mechanicsburg with their four children; Philip, Sophia, David and Katherine. He is a member of the Children's Home Foundation of Harrisburg board and the board of the GLY Foundation. In his spare time, David enjoys playing basketball, reading and spending time with his family.
As a Morgan Stanley Wealth Advisor, David is required to undergo extensive and ongoing training - among the most comprehensive in the industry. As he continually expands his wealth management capabilities he consistently integrates that knowledge into his daily practice. Also, as the team’s leader he has taken on the responsibilities of coordinating our efforts to bring a complete and cohesive approach of wealth management to all of Bartoli Wealth Management Group’s clientele.
David graduated from Elizabethtown College with a double major in Political Science and Environmental Science. He received his Master's degree in Quality Assurance and Regulatory Affairs from Temple University.
Today, David and his wife, Beth, reside in Mechanicsburg with their four children; Philip, Sophia, David and Katherine. He is a member of the Children's Home Foundation of Harrisburg board and the board of the GLY Foundation. In his spare time, David enjoys playing basketball, reading and spending time with his family.
Securities Agent: KS, KY, LA, MA, MD, ME, MI, MN, MO, NC, NE, NH, NJ, NY, OH, OK, OR, PA, RI, IA, SC, TN, TX, UT, VA, VT, WA, WI, WV, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IL, IN; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1393557
NMLS#: 1393557
About Stephen Bartoli
Stephen has been with Morgan Stanley since 1999. In collaboration with other team members, he focuses on developing comprehensive strategies for families, business owners and nonprofit institutions. His areas of strength include investment strategies and wealth management services. Stephen assists with the team’s organizational structure and oversees its long term outlook.
He earned the Certified Investment Management Analyst® (CIMA®) certification, through the Investment & Wealth Institute® in conjunction with The Wharton School of Business. He also holds the Certified Private Wealth Advisor® (CPWA®) certification, through the Investment &Wealth Institute® in conjunction with The University of Chicago Booth School of Business. Stephen has also attained the unique Morgan Stanley position of Family Wealth Director. Along with extensive training, this allows Stephen to have access to an expanded range of additional resources geared toward affluent families’ and their complex issues.
A graduate of Elizabethtown College with a Bachelor of Science degree in Business Administration. He also completed the International Trade and Business program at American University.
Stephen and his wife Jamie live in Carlisle with their sons Anthony, Andrew and Angelo, and their daughter, Alexsia. Stephen serves on the board of trustees of Partnership for Better Health, as well as a member of the school board at St. Patrick’s School in Carlisle, PA. In his spare time, Stephen enjoys spending time with his family, running, and playing basketball.
He earned the Certified Investment Management Analyst® (CIMA®) certification, through the Investment & Wealth Institute® in conjunction with The Wharton School of Business. He also holds the Certified Private Wealth Advisor® (CPWA®) certification, through the Investment &Wealth Institute® in conjunction with The University of Chicago Booth School of Business. Stephen has also attained the unique Morgan Stanley position of Family Wealth Director. Along with extensive training, this allows Stephen to have access to an expanded range of additional resources geared toward affluent families’ and their complex issues.
A graduate of Elizabethtown College with a Bachelor of Science degree in Business Administration. He also completed the International Trade and Business program at American University.
Stephen and his wife Jamie live in Carlisle with their sons Anthony, Andrew and Angelo, and their daughter, Alexsia. Stephen serves on the board of trustees of Partnership for Better Health, as well as a member of the school board at St. Patrick’s School in Carlisle, PA. In his spare time, Stephen enjoys spending time with his family, running, and playing basketball.
Securities Agent: WA, WI, WV, IA, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, NC, NE, NH, NJ, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, VT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1394624
NMLS#: 1394624
About Patrick Bartoli
Patrick joined the team in early 2014 and has become a CERTIFIED FINANCIAL PLANNER™ (CFP®). Currently, his main focus is creating customized financial plans for the team’s clients. He uses Morgan Stanley’s exclusive LifeView® and Goals Planning System (GPS) software systems to generate plans that helps clients better envision their financial future and establishes a review process in order to help keep them on track.
He is currently responsible for Morgan Stanley’s Dedicated Equity Plan Specialists program and he also helps oversee the website and other marketing initiatives.
Patrick graduated from Elizabethtown College with a BA in History. Prior to Morgan Stanley he worked for Public Financial Management in Harrisburg where he specialized in account maintenance and cash management.
Patrick and his wife Heather live in Lancaster City with their son Preston. As a community advocate, Patrick is a 2016 Leadership Cumberland graduate, former President of Cumberland Connections and served on the board of the United Way of Carlisle and Cumberland County. Patrick enjoys spending time with family and friends, volunteering for nonprofits, working out, running and reading. Patrick believes that if you have the ability and resources to help those in need, you have a duty to do so.
He is currently responsible for Morgan Stanley’s Dedicated Equity Plan Specialists program and he also helps oversee the website and other marketing initiatives.
Patrick graduated from Elizabethtown College with a BA in History. Prior to Morgan Stanley he worked for Public Financial Management in Harrisburg where he specialized in account maintenance and cash management.
Patrick and his wife Heather live in Lancaster City with their son Preston. As a community advocate, Patrick is a 2016 Leadership Cumberland graduate, former President of Cumberland Connections and served on the board of the United Way of Carlisle and Cumberland County. Patrick enjoys spending time with family and friends, volunteering for nonprofits, working out, running and reading. Patrick believes that if you have the ability and resources to help those in need, you have a duty to do so.
Securities Agent: WY, WV, WI, WA, VA, UT, TX, TN, SD, SC, RI, NY, PA, OK, VT, OH, OR, NM, NJ, NH, NE, NC, MT, MO, MN, MI, MD, MA, LA, ME, KS, IN, IL, GA, FL, DE, DC, CT, CO, KY, AZ, AR, HI, AL, CA, IA; General Securities Representative; Investment Advisor Representative
NMLS#: 1392601
NMLS#: 1392601
About W Craig McLean
Helping to build and manage client wealth since 1983, Craig has learned from his practical experience and ongoing education to assist clients set and achieve their long-term financial goals. He has received many company titles and in 1998 Craig earned the professional designation of Certified Investment Management Analyst℠ (CIMA®) through the Investment & Wealth Institute and the Wharton School.
Craig has spent his entire career studying the markets and investment management strategies. He is a collaborative member of the team with knowledge in investment selection, asset allocation, portfolio management, and legacy planning strategies. He currently manages the Lydia Portfolio Management trading platform for the team and assists with other group responsibilities.
Craig has been happily married for over 50 years and is the proud father of two grown boys and two wonderful grandchildren. A long-time resident of Carlisle, Pennsylvania, where he is an active member of St Patrick’s Church, having served on church council, a Pre-Cana instructor, and a Eucharistic Minister. Craig is also active in his local community having worked with various non-profit organizations including; a Little League President, a board member of Project Share, and held several board positions at the Partnership for Better Health.
Craig has spent his entire career studying the markets and investment management strategies. He is a collaborative member of the team with knowledge in investment selection, asset allocation, portfolio management, and legacy planning strategies. He currently manages the Lydia Portfolio Management trading platform for the team and assists with other group responsibilities.
Craig has been happily married for over 50 years and is the proud father of two grown boys and two wonderful grandchildren. A long-time resident of Carlisle, Pennsylvania, where he is an active member of St Patrick’s Church, having served on church council, a Pre-Cana instructor, and a Eucharistic Minister. Craig is also active in his local community having worked with various non-profit organizations including; a Little League President, a board member of Project Share, and held several board positions at the Partnership for Better Health.
Securities Agent: SC, DC, TN, OK, OH, LA, CO, AZ, RI, MD, MA, IN, VA, NM, KY, FL, AL, WI, VT, TX, NJ, PA, NH, MN, IL, WA, UT, MO, HI, GA, CT, OR, WV, MI, ME, KS, IA, CA, NY, NC, DE; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1278812
NMLS#: 1278812
About Leigh F. Beshaw
Joining the team in 2013 as a Client Service Associate, Leigh focuses on demonstrating strong interpersonal, organizational and client service skills. She is responsible for improving communications and client scheduling.
Leigh can help you streamline access to your accounts, by enrolling you in Morgan Stanley online and the Mobile App. She helps clients process Powers of Attorney, other legal papers and together with Kirsten Rodriguez, Leigh assists clients with account documents, banking and lending needs, financial transactions and facilitates client events and community engagement.
Prior to Morgan Stanley, Leigh worked for M&T Bank in various positions for 10 years, specializing in management, customer relations and audits.
Leigh lives in Carlisle with her daughter, Emma. In her free time, she enjoys exercising, learning about health and nutrition and spending time with friends and family. She is also active in her daughter’s school as the PTO Secretary. Leigh is passionate about the power of acceptance, empathy and honesty. She looks forward to assisting you with your financial needs as part of the Bartoli Wealth Management Group.
Leigh can help you streamline access to your accounts, by enrolling you in Morgan Stanley online and the Mobile App. She helps clients process Powers of Attorney, other legal papers and together with Kirsten Rodriguez, Leigh assists clients with account documents, banking and lending needs, financial transactions and facilitates client events and community engagement.
Prior to Morgan Stanley, Leigh worked for M&T Bank in various positions for 10 years, specializing in management, customer relations and audits.
Leigh lives in Carlisle with her daughter, Emma. In her free time, she enjoys exercising, learning about health and nutrition and spending time with friends and family. She is also active in her daughter’s school as the PTO Secretary. Leigh is passionate about the power of acceptance, empathy and honesty. She looks forward to assisting you with your financial needs as part of the Bartoli Wealth Management Group.
About Kirsten A. Rodriguez
Shortly after earning her Bachelor’s Degree from Lebanon Valley College, Kirsten, joined the team in 2014. After several years of experience, she completed her Series 7 and 66 licenses and has since attained the title of Business Development Associate. In collaboration with Leigh Beshaw and Andrea Taylor, Kirsten is available to assist in client onboarding, transactional requests and resolving a variety of account related inquiries. In addition, her areas of focus include: estate processing, inputting orders at the direction of the client, assisting in banking and lending solutions as well as the service of annuities and insurance products.
Outside of work, Kirsten resides in Annville with her wife, Ashley and ever-growing rescue pack of dogs and cats. In her spare time, she enjoys traveling, working with animals and participating in volunteer, service and activist opportunities, especially in support of the LGBTQ+ community and animal rescue. Kirsten believes strongly in kindness, helping others and the importance of listening. She looks forward to helping you as part of the Bartoli Wealth Management Group at Morgan Stanley.
Outside of work, Kirsten resides in Annville with her wife, Ashley and ever-growing rescue pack of dogs and cats. In her spare time, she enjoys traveling, working with animals and participating in volunteer, service and activist opportunities, especially in support of the LGBTQ+ community and animal rescue. Kirsten believes strongly in kindness, helping others and the importance of listening. She looks forward to helping you as part of the Bartoli Wealth Management Group at Morgan Stanley.
About Andrea Taylor
Since joining the team in October 2022, Andrea completed her series 7 and 66 licenses. Together with Leigh and Kirsten, Andrea focuses on assisting clients with banking and lending needs, account documents, client scheduling, inputting orders at the direction of the client, client onboarding and transactional requests.
Prior to Morgan Stanley, Andrea worked for PA Higher Education Assistance Agency in various positions for 10 years, specializing in treasury management, customer service and quality assurance.
Andrea lives in Harrisburg with her husband, Devon and 2 children, Kamilla and Devon Jr. In her free time, she enjoys being with family and friends, baking, traveling, and coaching soccer. Andrea is passionate about being a positive role model and helping her community. She looks forward to assisting you with your financial needs as part of the Bartoli Wealth Management Group.
Prior to Morgan Stanley, Andrea worked for PA Higher Education Assistance Agency in various positions for 10 years, specializing in treasury management, customer service and quality assurance.
Andrea lives in Harrisburg with her husband, Devon and 2 children, Kamilla and Devon Jr. In her free time, she enjoys being with family and friends, baking, traveling, and coaching soccer. Andrea is passionate about being a positive role model and helping her community. She looks forward to assisting you with your financial needs as part of the Bartoli Wealth Management Group.
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Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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 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.
4Morgan 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.
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.
6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 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.
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.
11When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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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
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 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.
4Morgan 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.
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.
6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 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.
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.
11When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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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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Awards Disclosures
CRC 6491812 (04/2024)
