Alex Fur
Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director, Global Sports and Entertainment Director
Phone:
(310) 285-4826(310) 285-4826
Bedford Wealth Management Group at Morgan Stanley
Our Mission Statement
To provide financial planning, portfolio management, and exceptional client service that is proactive, thoughtful and customized.
About Us
We believe our clients’ trust is our most important asset. Our goal is to create a comprehensive wealth management strategy to support you and your family’s long term needs and objectives. An open line of communication between client and advisor will allow us to clearly define your investment goals and ensure that they are accurately reflected in your financial plan. By leveraging the firm’s intellectual capital and our understanding of global markets, we will design a customized investment strategy with a focus on risk management and wealth preservation. Our dedication to understanding your unique needs will remain constant, while we will adapt to the inevitable changes that may occur along the way.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
As your dedicated wealth management team, the Bedford Wealth Management Group will tailor a personalized financial strategy that fits your needs. In our experience working with clients, we have developed a step-by-step approach to service:
Discovery
We take the time to fully understand you and your family – whether you’re planning for retirement, purchasing a home, or living out your golden years – we consider all of your challenges, goals, and aspirations when building your financial picture.
Forming Your Strategy
Using your life goals as our compass, we create a risk-balanced strategy which maps a clear path to achieving your success.
Implementing Your Plan
We apply extensive research and analysis, and also utilize Morgan Stanley’s full suite of resources, to ensure swift decisive action in all market scenarios.
Measuring Your Success
We check in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards your goals. Our ultimate mission is your success and well-being.
Customized Solutions
As your wealth grows, so does its complexities and the resources needed to manage it effectively. We leverage our experience and relationships to deliver innovative strategies that are tailored to your needs. We look forward to speaking with you to understand your challenges, so we may map out a strategy to achieve your particular priorities and goals.
Wealth Management
Wealth management brings all the dimensions of your life together. We listen carefully to understand the connections across your personal life, your family, your career, and your legacy goals to develop an integrated strategy that is uniquely yours.
Financial Planning
The cornerstone of an effective wealth management plan is comprehensive financial planning, which captures your goals, resources and expectations for the future. Effective planning can potentially lead to successful education and retirement income funding. It helps eliminate blind spots, and helps ensure legacy goals are met.
Asset Management
Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes about investing with careful analysis of the financial markets. Working together, we create a personalized strategy that applies long-held investment principles to help your assets appreciate appropriately or generate income as you require.
Retirement Planning
One of our key areas of strength is helping you prepare for and thrive in retirement. From IRAs to RMDs, we manage the complexities of your comprehensive retirement plan assets, helping you easily transition to the next phase of your life with security and confidence.
Estate Planning Strategies
Delivering an estate to the next generation or favorite charity requires more attention than families often realize. We coordinate with your estate and tax professionals to align your legacy goals with the appropriate asset titling and beneficiary designation requirements, incorporating best practices to help enhance results.
Business Planning
The links between business ownership and personal wealth are many and complex. Whether your objective is to grow your business, realize its value through a succession strategy or sale, or maintain family ownership through the next generation, we will help you examine your alternatives and develop the best strategy to achieve your goals.
Business Succession Planning
Owning a business represents years, if not decades, of hard work and entrepreneurial savvy. Yet, even the most astute business owners are often unfamiliar with the complexities that go into a successful succession strategy. We understand your succession in the context of your overall financial picture. We also work closely with your other financial advisors to help ensure your priorities are reflected in your succession strategy.
401(k) Rollovers
If you have a 401(k) from a previous job, we make it easy to consolidate your assets into one account so you can monitor your progress and investment results all in one place. This helps simplify your financial life, keeps you organized and helps make your money work harder for you.
ADDRESSING YOUR UNIQUE GOALS
Family Governance & Dynamics
For many high net worth clients, running a family business, operating a family office or simply investing as a family can present daunting challenges with a mix of issues. It is critical to develop a cohesive and thorough framework that helps you make wealth management decisions as a family.
Trust & Estate Planning
Often the hardest part of estate planning is just starting the conversation. Our group will help you and your family open these lines of communication to facilitate your ability to preserve and transfer wealth.
Philanthropic Planning
Many selfless individuals begin their philanthropic journeys by defining their personal passions and objectives. However, implementing a strategy can become challenging when there are multiple worthy causes close to your heart.
Signature Access
Signature Access provides Lifestyle Advisory services for the most affluent families. We will help connect you with carefully vetted, experienced professionals who can provide an extensive variety of services to help you contain costs, mitigate risks and enhance your overall enjoyment of life.
Resources and Reports
US Policy Pulse: 10 Policy Actions to Watch in 2022
The top 10 public policy and regulatory actions to watch and how they might affect both the markets and the economy.
Read the Policy Actions to Watch
2022 Mid-Year Outlook
This report contains Morgan Stanley Research's midyear economic and investment outlooks, a six-step guide for checking on your retirement plan amid market volatility, and a look at how the world is changing in the multi-earner era.
Read the Insight
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Listen to the Latest Episode
Morgan Stanley Minute
Explore insights on today's most important investment topics, including tech-powered advice, online advertising, affordable housing bonds, and monetizing small business.
Click Here to Watch
Tax Efficient Strategies
The tax decisions you make today can help you save for years to come. Consider these smart tax strategies for your financial plan.
Tax Efficient Strategies
Morgan Stanley's Research
Through timely, in-depth analysis of companies, industries, markets, and world economies, Morgan Stanley has earned its reputation as a leader in the field of investment research.
Morgan Stanley's Research & InsightsLocation
9665 Wilshire Blvd
Ste 600
Beverly Hills, CA 90212
US
Direct:
(310) 285-4819(310) 285-4819
Meet Bedford Wealth Management Group
Paula Kalandiak, CFA®
Vice President, Financial Advisor
Phone:
(310) 285-4927(310) 285-4927
Vladi Madatov, CFP®, CFS
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(310) 285-4910(310) 285-4910
Byuzand Adzhikosyan
Assistant Vice President, Director of Business Strategy
Phone:
(310) 285-4819(310) 285-4819
Madison Moore
Wealth Management Associate
Phone:
(310) 285-4913(310) 285-4913
Zach Fallas
Registered Client Service Associate
Phone:
(310) 285-4824(310) 285-4824
About Alex Fur
Alex is a Managing Director, Financial Advisor, Senior Portfolio Management Director and Global Sports and Entertainment Director based in Morgan Stanley’s Beverly Hills office. Alex and his team develop customized wealth management solutions for high-net-worth families and foundations. Alex leads the investment and financial planning decisions for the team’s clients. His primary focus is building and implementing risk management and portfolio strategies.
Alex earned a BBA in Finance from the Lubin School of Business at Pace University. He began his career as a research analyst at Pinnacle Associates in New York, an asset management firm managing over $5 billion for high-net-worth individuals and institutional clients. In 2008, Alex joined UBS International in Los Angeles as a financial advisor on a team working with select high-net-worth families from Europe and Latin America.
At UBS, Alex was recognized as one of the Top 35 Advisors under 35 and earned the Portfolio Manager title. Forbes Magazine ranked Alex as a top advisor, naming him to the Forbes Best in State Wealth Advisors list as well as the Forbes Next Gen Best in State Wealth Advisors list. His professional licenses include the Series 3, 7, 9, 10, 63, and 65.
A strong advocate of giving back to the community, Alex is a coach at AYSO Hollywood Region and the Pan Pacific Basketball League. He enjoys running, cycling, skiing, and most importantly, spending time with his family. Alex lives in the Hollywood Hills with his wife and their two children.
Alex earned a BBA in Finance from the Lubin School of Business at Pace University. He began his career as a research analyst at Pinnacle Associates in New York, an asset management firm managing over $5 billion for high-net-worth individuals and institutional clients. In 2008, Alex joined UBS International in Los Angeles as a financial advisor on a team working with select high-net-worth families from Europe and Latin America.
At UBS, Alex was recognized as one of the Top 35 Advisors under 35 and earned the Portfolio Manager title. Forbes Magazine ranked Alex as a top advisor, naming him to the Forbes Best in State Wealth Advisors list as well as the Forbes Next Gen Best in State Wealth Advisors list. His professional licenses include the Series 3, 7, 9, 10, 63, and 65.
A strong advocate of giving back to the community, Alex is a coach at AYSO Hollywood Region and the Pan Pacific Basketball League. He enjoys running, cycling, skiing, and most importantly, spending time with his family. Alex lives in the Hollywood Hills with his wife and their two children.
Securities Agent: UT, PA, CA, NM, MD, WI, TN, LA, KY, DC, WY, NY, HI, DE, CT, ID, WA, VI, AL, WV, OR, OH, NJ, MI, AZ, FL, VA, CO, TX, NV, NC, MA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 302556
NMLS#: 302556
About Paula Kalandiak
Paula has over 25 years of investment experience as an equity analyst covering retail and consumer stocks, and on the institutional sales desk, working with analysts and portfolio managers at mutual funds, hedge funds, and pension funds across the country. She transitioned to the Financial Advisor role in 2014, leveraging her extensive investment knowledge and experience throughout several economic cycles. Paula has her Series 7 and Series 66 licenses, as well as the Chartered Financial Analyst designation. She received her B.A. degree in International Relations from Brown University and her M.B.A. in finance from New York University Leonard N. Stern School of Business.
Originally from Philadelphia, Paula has lived in Los Angeles for over 25 years. Community outreach is important to her. Paula volunteers as a crisis hotline operator for Project Cuddle and is on the WISH Forward Board at WISH Charter in Westchester. Away from the office, she enjoys spending time with her boys and living a beach lifestyle.
Originally from Philadelphia, Paula has lived in Los Angeles for over 25 years. Community outreach is important to her. Paula volunteers as a crisis hotline operator for Project Cuddle and is on the WISH Forward Board at WISH Charter in Westchester. Away from the office, she enjoys spending time with her boys and living a beach lifestyle.
Securities Agent: LA, CO, VA, NC, AL, WI, CT, TX, MI, HI, CA, NJ, FL, TN, MA, OR, OH, NY, DC, WY, NV, NM, MD, ID, AZ, WA, PA; General Securities Representative; Investment Advisor Representative
NMLS#: 2351149
CA Insurance License #: 0J08156
NMLS#: 2351149
CA Insurance License #: 0J08156
About Vladi Madatov
Securities Agent: MD, LA, CO, AZ, AR, TN, OR, WI, NY, ID, DC, TX, NC, FL, IL, HI, CA, NM, NJ, AL, PA, OH, MI, WY, NV, MA, GA, CT, WA, VA; General Securities Representative; Investment Advisor Representative
NMLS#: 2221475
NMLS#: 2221475
About Byuzand Adzhikosyan
Byuzand is a Wealth Management Associate based in Morgan Stanley’s Beverly Hills office. Byuzand began his professional career as a private banker with Bank of America in 2001 before joining HSBC in 2005. In 2008, he moved to UBS International where he worked for high-net-worth families from Europe and Latin America with Alex Fur. In 2016, Byuzand moved to Morgan Stanley.
Byuzand directs the team’s business processes, which include working with individuals and families by providing comprehensive financial planning along with exemplary client service. He also assists with manager research, due diligence and analysis, and works closely with the Bedford Wealth Management Group research team on all tactical portfolio strategies and risk management.
In his free time, Byuzand enjoys traveling, playing hockey, cheering on the Los Angeles Kings and spending time with his family. Byuzand currently resides in Sherman Oaks with his wife and two children. Byuzand holds his Series 7, 66, and CA insurance licenses.
Byuzand directs the team’s business processes, which include working with individuals and families by providing comprehensive financial planning along with exemplary client service. He also assists with manager research, due diligence and analysis, and works closely with the Bedford Wealth Management Group research team on all tactical portfolio strategies and risk management.
In his free time, Byuzand enjoys traveling, playing hockey, cheering on the Los Angeles Kings and spending time with his family. Byuzand currently resides in Sherman Oaks with his wife and two children. Byuzand holds his Series 7, 66, and CA insurance licenses.
CA Insurance License #: 0I56828
About Madison Moore
Madison is a Registered Service Associate based in Morgan Stanley’s Beverly Hills office. He began his professional career working as a production and financial analyst at a top Los Angeles based advertising firm before transitioning over to the wealth management field.
After joining Morgan Stanley in 2017 as a Financial Advisor Associate, Madison continued to hone his skills while expanding his knowledge of the capital markets. He joined the Bedford Wealth Management Group where he now focuses on the team’s lending practice, and assists with manager due diligence, portfolio construction and client service.
Madison was born and raised in Los Angeles, California, where his passion for sports and music led him to both the football field and the orchestra pit. He continued those endeavors at Wesleyan University, graduating with a Bachelor’s degree in Economics, with a focus in Finance. When he isn’t at work, Madison enjoys rooting for his hometown Lakers and Dodgers, spending time with family and friends and whipping up a delicious meal. Madison holds his Series 7, 66 and CA insurance licenses.
After joining Morgan Stanley in 2017 as a Financial Advisor Associate, Madison continued to hone his skills while expanding his knowledge of the capital markets. He joined the Bedford Wealth Management Group where he now focuses on the team’s lending practice, and assists with manager due diligence, portfolio construction and client service.
Madison was born and raised in Los Angeles, California, where his passion for sports and music led him to both the football field and the orchestra pit. He continued those endeavors at Wesleyan University, graduating with a Bachelor’s degree in Economics, with a focus in Finance. When he isn’t at work, Madison enjoys rooting for his hometown Lakers and Dodgers, spending time with family and friends and whipping up a delicious meal. Madison holds his Series 7, 66 and CA insurance licenses.
CA Insurance License #: 0M59166
Contact Alex Fur
Contact Paula Kalandiak
Contact Vladi Madatov
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
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
Are You Prepared for Tax Day?
Article Image
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
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
Article Image
Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
- Wealth Transfer & Philanthropy
- Private Banking Solutions
- Family Governance & Wealth Education
- Lifestyle Advisory
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 Bedford Wealth Management Group today.
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 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.
2Morgan 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.
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 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.
5Morgan 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.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
7The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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
1Morgan 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.
2Morgan 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.
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 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.
5Morgan 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.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
7The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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)
