Phone:
(813) 227-2099(813) 227-2099
Bay Area Mosaic Group at Morgan Stanley
Direct:
(813) 227-2099(813) 227-2099
Our Mission Statement
Customized investment and financial strategies for clients like you
Our Story and Services
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
We break our process into six simple steps. Uncovering every aspect of your financial picture. During each step we will:
Step 1: Initial Consultation
• Understand your financial concerns and what you want to accomplish
• Discuss our commitment to client confidentiality
• Determine how we can add value to your individual situation
• Request important information about finances and legal planning
• Schedule our next discussion
• Discuss our commitment to client confidentiality
• Determine how we can add value to your individual situation
• Request important information about finances and legal planning
• Schedule our next discussion
Step 2: Wealth Management Introduction
• Introduce the members of our team
• Review and cover a detailed agenda we’ve prepared to discuss your personal situation
• Showcase all of Morgan Stanley’s capabilities
• Review the information you’ve shared with us
• Define priorities and identify the values that shape decisions
• Introduce fee vs commission wealth management
• Answer questions about the broad array of services available with the Reynolds Group at Morgan Stanley.
• Review and cover a detailed agenda we’ve prepared to discuss your personal situation
• Showcase all of Morgan Stanley’s capabilities
• Review the information you’ve shared with us
• Define priorities and identify the values that shape decisions
• Introduce fee vs commission wealth management
• Answer questions about the broad array of services available with the Reynolds Group at Morgan Stanley.
Step 3: Analysis
• Study the financial documents you’ve shared and identify any tax savings opportunities
• Evaluate your current and future financial expectations
• Analyze current investment portfolio and identify any investment risk concerns
• Identify a personalized target rate of return for the goals you’ve set
• Develop your personalized wealth management plan, utilizing our Goals Planning System (GPS) software tool
• Evaluate your current and future financial expectations
• Analyze current investment portfolio and identify any investment risk concerns
• Identify a personalized target rate of return for the goals you’ve set
• Develop your personalized wealth management plan, utilizing our Goals Planning System (GPS) software tool
Step 4: Presentation
• Unveil your tailored life plan, highlighting the achievements you’ve made and the opportunities we’ve identified to grow and preserve your wealth
• Explain, in detail, the investment strategies we recommend
• Present important financial planning and estate planning strategies to preserve and pass on wealth
• Discuss our management platform and the advantages of discretionary portfolio management
• Explain how householding works for the members of your family to reduce fees
• Explain, in detail, the investment strategies we recommend
• Present important financial planning and estate planning strategies to preserve and pass on wealth
• Discuss our management platform and the advantages of discretionary portfolio management
• Explain how householding works for the members of your family to reduce fees
Step 5: Implementation
• Adjust the plan to incorporate discussions during the presentation meeting
• Open new accounts, complete necessary paperwork and execute investment recommendations
• Implement the remaining wealth management strategies presented
• Open new accounts, complete necessary paperwork and execute investment recommendations
• Implement the remaining wealth management strategies presented
Step 6: Ongoing Service & Relationship Building
• Review your initial statements to ensure familiarity and understanding
• Set up tools to provide convenient access to your accounts
• Apply due diligence to evaluate investment performance
• Develop a call and meeting schedule to review and track progress towards achieving your goals
• Continuous discussions as your circumstances evolve, adjusting your plan and investments accordingly
• Work closely with your accountant, attorney and other professionals to ensure a coordinated and cohesive execution of your plan
• Set up tools to provide convenient access to your accounts
• Apply due diligence to evaluate investment performance
• Develop a call and meeting schedule to review and track progress towards achieving your goals
• Continuous discussions as your circumstances evolve, adjusting your plan and investments accordingly
• Work closely with your accountant, attorney and other professionals to ensure a coordinated and cohesive execution of your plan
The Significance of Family Wealth Management
Our team leverages the versatile resources of Morgan Stanley and professionals to help our clients and their families maximize the value of their human capital by driving family wealth education, making it more likely that all members of the family will have the foundation and support they need to potentially lead meaningful, fulfilled and engaged lives.
Our Team's Family Wealth Capabilities
Your family is unlike any other we have ever served. You may, however, share many of the same questions, challenges and opportunities. We look forward to learning more about you and your family, and discussing how we can help you safeguard what you have earned and pursue your most important life goals. We deliver an exceptionally attentive level of service and dedicate ourselves to finding solutions to the challenges our clients face, even those challenges that fall well outside the traditional role of wealth managers.
Family Governance and Wealth Education
Too often, members of rising generations spend decades in silence. Having a mechanism in place such as a family mission statement, a family constitution or an investment policy statement can offer critical parameters and guidelines to make decisions as a collective. We work with you to find your way to becoming your own generation, with your own voice.
Legacy & Estate Planning strategies
We engage with our clients to provide a fully integrated, comprehensive analysis of your balance sheet, estate plan, and investment strategy through a collaborative process- at your request we will coordinate with your legal tax advisors as well.
Philanthropy Management
We provide our clients with a smart way to give to causes and charities they care about through Morgan Stanley GIFT. Our donor advised fund, GIFT, is a 501(c)(3) public charity structured to offer you a simple, thoughtful and tax-advantageous way to support your favorite charities.
Learn more about GIFTESOPs
Private business owners who have spent many hard years sacrificing their efforts to grow their company are often faced with the challenge of deciding what to do with their business when they are ready to walk away. Numerous questions arise. What is next? What are my options? Who can help educate and guide me through this process? Below, you will find answers to popular questions in regards to ESOPs and our team is happy to schedule time to discuss your unique situation.
What is an ESOP?
An ESOP is an unique type of qualified benefit plan. The overall goal of an ESOP is to provide liquidity to private business owners in a manner that is tax advantaged and diversified while also giving existing employees the opportunity to become a stockholder.
How to decide if an ESOP makes sense for you?
The benefit of an ESOP is that it allows the business owner to dictate the amount and timing of the sale of the company stock. If you are not ready to fully give up your company, ESOPs give you the flexibility to do so. There are certain restrictions and regulations to pay special attention to when deciding if an ESOP makes sense for a client. Since ESOPs are a vehicle for retirement savings and corporate finance, it is important to ensure there will not be any conflicts of interest.
How our team can help?
ESOPs often require a multidisciplinary team of professionals including an experienced Wealth Advisor, an experienced Attorney, an Ultra High NetWorth Estate Attorney, and a Certified Public Accountant. The Bay Area Mosaic Group is happy to assist you in building out your team. To further our services, we have helped business owners create Goals Based Plans to determine the amount of income they will need to generate from their investments to sustain the lifestyle of their choosing.
Saving For the Future
Our team works with companies to assist with the fiduciary, investment, and compliance related responsibilities of retirement plans.
Retirement Options
Company sponsored retirement plans can help make saving for retirement easier on your employees. Retirement planning is something that our team treats with the highest levels of attention to detail and commitment. Done properly, it can also help build employee retention, increase employee acquisition, and promote company loyalty.
The following two types of retirement plans offer tax advantages, higher contribution limits than non-employer sponsored plans, and the ability for the employer to contribute to the employees' plans. The key considerations are listed below.
The following two types of retirement plans offer tax advantages, higher contribution limits than non-employer sponsored plans, and the ability for the employer to contribute to the employees' plans. The key considerations are listed below.
401(k)
Both employers and employees are eligible to contribute to a 401(k) plan on a pre-tax basis. 401(k) plans have the ability to be flexible and customizable. Our team works with business owners to help ease fiduciary responsibilities, IRS compliance, and minimum requirements for enrollment and investments.
SIMPLE/SEP IRA Plans
SIMPLE/SEP IRA plans have more limitations than 401(k) plans but are easier to set up and contributions are still made on a pre-tax basis. Employees are left to make their own investment decisions, so our team recommends consulting with a Financial Advisor.
Location
100 N Tampa St
Ste 3000
Tampa, FL 33602
US
Direct:
(813) 227-2099(813) 227-2099
Meet Bay Area Mosaic Group
James Valenti
Vice President, Financial Advisor, Financial Planning Specialist
Phone:
(813) 227-2020(813) 227-2020
Richard A. Pittman
First Vice President, Financial Advisor
Phone:
(813) 227-2012(813) 227-2012
Ana Dominguez
Senior Registered Client Service Associate
Phone:
(813) 227-2188(813) 227-2188
About James J Moroney
James brings almost 40 years of financial experience to every client he advises. He started his career as a CPA with Deloitte Touche before becoming a Financial Advisor with a Morgan Stanley predecessor firm in 1995. “I wanted a profession that would enable me to be entrepreneurial, while helping clients address issues beyond tax planning,” he explains. “At the same time, my background gives me the experience to help clients meet complex challenges like exiting a business or planning an estate without excessive tax consequences.”
His clients rely on him to provide them with advice that encompasses both sides of their personal balance sheets and virtually every aspect of their financial lives.
A Tampa native, James graduated from Florida State University and has long been an active member of his community. He currently serves as Treasurer for the Parkside Condominium Association and is a proud Ybor City Rotary member. In addition, James is a past Chairman of the ALS Association of Florida and past Tampa Bay Dragon Boats Treasurer.
An avid open water swimmer who has completed the swim around Key West five times, James enjoys the outdoors and spending time with his wife, Julie, their two children and four grandchildren.
His clients rely on him to provide them with advice that encompasses both sides of their personal balance sheets and virtually every aspect of their financial lives.
A Tampa native, James graduated from Florida State University and has long been an active member of his community. He currently serves as Treasurer for the Parkside Condominium Association and is a proud Ybor City Rotary member. In addition, James is a past Chairman of the ALS Association of Florida and past Tampa Bay Dragon Boats Treasurer.
An avid open water swimmer who has completed the swim around Key West five times, James enjoys the outdoors and spending time with his wife, Julie, their two children and four grandchildren.
Securities Agent: MD, KS, OH, IA, NC, IL, WA, MI, KY, TX, TN, HI, AZ, OK, NM, CO, NY, NJ, WV, CA, AR, VA, MA, IN, GA, FL, CT, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 1255547
NMLS#: 1255547
About James Valenti
With almost 40 years of financial services experience, Jim has helped clients through a wide variety of market and economic conditions. Clients have looked to him for the guidance they needed to retire in comfort, exit their successful businesses, and make decisions that would affect the financial well-being of not only themselves, but future generations.
Born and raised in Tampa, Jim graduated from Florida State University with a degree in Accounting but soon realized that he wanted to help clients with more than their tax returns. He joined a Morgan Stanley predecessor firm in 1985 and has been advising clients ever since. “I take great satisfaction in helping my clients avoid mistakes that can derail their plans for a fulfilling retirement,” he says. “That means providing them with advice that is always given with their interests first and foremost in mind.”
Jim has spent much of his career managing fixed income portfolios for clients seeking income and capital preservation. When not studying markets and advising clients, he has been an active member of the Tampa community. Specifically, Jim has served on the boards of Hillsboro Kids, Inc. and the Center for Women.
Born and raised in Tampa, Jim graduated from Florida State University with a degree in Accounting but soon realized that he wanted to help clients with more than their tax returns. He joined a Morgan Stanley predecessor firm in 1985 and has been advising clients ever since. “I take great satisfaction in helping my clients avoid mistakes that can derail their plans for a fulfilling retirement,” he says. “That means providing them with advice that is always given with their interests first and foremost in mind.”
Jim has spent much of his career managing fixed income portfolios for clients seeking income and capital preservation. When not studying markets and advising clients, he has been an active member of the Tampa community. Specifically, Jim has served on the boards of Hillsboro Kids, Inc. and the Center for Women.
Securities Agent: WI, WV, AL, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, NC, NH, NJ, NV, NY, OH, PA, RI, SC, TN, TX, UT, VA, WA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1288331
NMLS#: 1288331
About Richard A. Pittman
When Red began his financial services career more than 45 years ago, he had bright red hair (thus the nickname) and a passion for helping people prepare for retirement and achieve greater financial security for themselves and their families. Born and raised in Tampa, Red graduated from Georgia State University with a degree in Finance and began his career at a regional bank where he served as a credit analyst and managed several branches. He joined a Morgan Stanley predecessor firm in 1980 and continues to provide clients with advice that encompasses not only retirement, but virtually every aspect of their financial lives.
“I really enjoy talking with investors,” he says, “but often they reach a time in their lives when which stocks they should own doesn’t seem quite as important as will I be able to retire without running out of money and who will take care of my spouse if anything happens to me?” That’s why Red advocates comprehensive financial planning that can help clients understand where they are in relation to their goals and what they must do to reach those goals within their required timeframe.
An active member of the Tampa community, Red has served as President of Palma Ceia Golf and Country Club. He was also named Captain & King of Gasparilla, Tampa’s famous pirate festival and parade. He and wife Kate have five grown children and reside in South Tampa.
“I really enjoy talking with investors,” he says, “but often they reach a time in their lives when which stocks they should own doesn’t seem quite as important as will I be able to retire without running out of money and who will take care of my spouse if anything happens to me?” That’s why Red advocates comprehensive financial planning that can help clients understand where they are in relation to their goals and what they must do to reach those goals within their required timeframe.
An active member of the Tampa community, Red has served as President of Palma Ceia Golf and Country Club. He was also named Captain & King of Gasparilla, Tampa’s famous pirate festival and parade. He and wife Kate have five grown children and reside in South Tampa.
Securities Agent: IA, FL, PA, NM, MA, ID, AZ, TX, SC, NY, AL, TN, OH, NJ, MI, KY, WA, VA, OK, MO, CA, HI, CT, WV, NC, CO, MD, GA, IN, IL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1312855
NMLS#: 1312855
About Ana Dominguez
Ana is a CSA at Morgan Stanley. She has been with the firm and has had experience in this industry since 2001. Part of her responsibilities are the processing of documentation, performing account maintenance, resolving inquiries, assisting with Firm services and solutions that support clients' needs that include banking products, and digital services.
Born in San Salvador, El Salvador, Ana moved to the United States with her family at age 12. She attended Springfield Gardens High School and Queens College in Queens New York with a focus on Business Administration and social work.
Before joining Morgan Stanley, Ana worked at the Carol Morgan American School in Santo Domingo, Dominican Republic and Coastal Energy Company in San Salvador, El Salvador where part of her responsibilities included assisting American and other foreign ex-patriots with their assimilation in both countries. She also taught English as a second language to children and adults at the Escuela Americana (American School) in El Salvador.
Away from Morgan Stanley, Ana enjoys reading, gardening, and preparing new recipes in the kitchen. She enjoys volunteering her spare time at Meals on Wheels, and spending time with her 2 adult children, Christopher and Massiel.
Born in San Salvador, El Salvador, Ana moved to the United States with her family at age 12. She attended Springfield Gardens High School and Queens College in Queens New York with a focus on Business Administration and social work.
Before joining Morgan Stanley, Ana worked at the Carol Morgan American School in Santo Domingo, Dominican Republic and Coastal Energy Company in San Salvador, El Salvador where part of her responsibilities included assisting American and other foreign ex-patriots with their assimilation in both countries. She also taught English as a second language to children and adults at the Escuela Americana (American School) in El Salvador.
Away from Morgan Stanley, Ana enjoys reading, gardening, and preparing new recipes in the kitchen. She enjoys volunteering her spare time at Meals on Wheels, and spending time with her 2 adult children, Christopher and Massiel.
Contact James J Moroney
Contact James Valenti
Contact Richard A. Pittman
Wealth Management
Global Investment Office
Portfolio Insights
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Bay Area Mosaic 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.
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 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.
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, charitable giving, philanthropic planning and other legal matters.
5Insurance 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:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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 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.
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, charitable giving, philanthropic planning and other legal matters.
5Insurance 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:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
