Senior Vice President, Financial Advisor, Certified Portfolio Manager, Portfolio Management Director
Phone:
(408) 861-2020(408) 861-2020
Bettisworth Group at Morgan Stanley
Direct:
(408) 861-2000(408) 861-2000
Our Mission Statement
I believe in developing long-term relationships by providing: premium service, intuitive guidance on complex global markets, comprehensive and customized investment planning for your financial future.
Our Story and Services
George’s father introduced him to investing when he was in elementary school. George soon purchased his first stock mutual funds with savings from his low-yielding bank account. The excitement of reading the business section each day to check his investments’ performance became a lifelong obsession. That early hobby has blossomed into an investments and financial planning a career spanning numerous market cycles.
George began his career in wealth management after serving his country for four years in the U.S. Air Force. As a Master Crew Chief, managing the maintenance of multi-million-dollar aircraft, the safety of the crew and aircraft were his responsibility. That experience taught George the importance of focus, high attention to detail and discipline, all attributes he would carry over to his investment management career.
George started at Dean Witter, which was later acquired by Morgan Stanley. During his distinguished tenure with the Firm, George has received the numerous designations, including the Branch Retirement Planning Coordinator award; Certified Financial Planner®; Senior Portfolio Manager; Portfolio Management Director; and the peer voted, “Broker’s Broker” award, for his assistance to other Financial Advisors with technical retirement planning strategies.
George has produced an hourly business report for CNN affiliate KLIV 1590 AM (San Jose News), which focuses on public technology companies headquartered in Silicon Valley. He has been interviewed by radio and television stations and published in numerous local newspapers.
A youth leader at his local church and a Boy Scout leader for more than 14 years, George is a native of Cupertino, California, where he lives today, with his wife, who was his high school sweetheart. His wife Marti is a registered nurse and they enjoy being active with their five children through travelling, fishing, boating, hiking and gardening. George holds a B.S. in Business Administration and an MBA.
George began his career in wealth management after serving his country for four years in the U.S. Air Force. As a Master Crew Chief, managing the maintenance of multi-million-dollar aircraft, the safety of the crew and aircraft were his responsibility. That experience taught George the importance of focus, high attention to detail and discipline, all attributes he would carry over to his investment management career.
George started at Dean Witter, which was later acquired by Morgan Stanley. During his distinguished tenure with the Firm, George has received the numerous designations, including the Branch Retirement Planning Coordinator award; Certified Financial Planner®; Senior Portfolio Manager; Portfolio Management Director; and the peer voted, “Broker’s Broker” award, for his assistance to other Financial Advisors with technical retirement planning strategies.
George has produced an hourly business report for CNN affiliate KLIV 1590 AM (San Jose News), which focuses on public technology companies headquartered in Silicon Valley. He has been interviewed by radio and television stations and published in numerous local newspapers.
A youth leader at his local church and a Boy Scout leader for more than 14 years, George is a native of Cupertino, California, where he lives today, with his wife, who was his high school sweetheart. His wife Marti is a registered nurse and they enjoy being active with their five children through travelling, fishing, boating, hiking and gardening. George holds a B.S. in Business Administration and an MBA.
Services Include
- Wealth ManagementFootnote1
- 401(k) Rollovers
- 529 PlansFootnote2
- Corporate BondsFootnote3
- Estate Planning StrategiesFootnote4
- Exchange Traded FundsFootnote5
- Financial PlanningFootnote6
- Fixed IncomeFootnote7
- Cash Management and Lending ProductsFootnote8
- Municipal BondsFootnote9
- Retirement PlanningFootnote10
- Sustainable InvestingFootnote11
- Trust AccountsFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
WORKING WITH YOU
I believe success in achieving important financial goals starts with a comprehensive wealth strategy. I will help you define what is most important to you and then formulate the strategies that are suited for your needs - whether you are accumulating wealth, investing for income, solidifying your retirement plan or devising a distribution approach that meets your lifestyle and legacy goals. Each financial decision is different for everyone and we can work together to find the most suitable solution for you.
Step 1: Introduction
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle and your future goals.
Step 2: Discovery
Work together to establish your financial goals by reviewing your current financial situation and developing an appropriate risk tolerance that can help you achieve the financial outcome you envision for yourself.
Step 3: Financial Plan
Map out essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage. Examining relevant financial information provides a holistic asset allocation analysis for your accounts helping ensure a comprehensive financial plan.
Step 4: Action Items / Next Steps
Follow up with you regarding our analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits, and insurance coverage.
Step 5: Implementation
Focus on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustment, and saving/benefit modifications.
Step 6: Monitoring & Performance Tracking
Finally, monitoring your assets and analyzing your performance tracking data seeking to ensure your financial expectations are being met and adjusted accordingly. We will keep a high degree of communication with you to make sure your concerns and requests are always addressed.
MONTHLY OUTLOOKS & UPDATES
We strive to simplify complex financial ideas into a digestible format so that my clients can truly understand the work which goes into planning for their financial future and livelihood. I am a firm believer in providing clients with as many resources as possible so that they may stay informed on the latest market trends, analyses, and outlooks. The resources below provide in-depth analysis on current market events and finance topics that are affecting the business world today.
2023 Outlook: Embracing Fixed Income
While 2022 was unprecedented, with US stocks and long-term bonds both down in excess of 10%, 2023 is shaping up as an opportunity to embrace income– specifically fixed income. In fact, Morgan Stanley Research is calling for high single-digit returns for Treasuries, IG Corporates, agency MBS and Municipals, potentially making them one of the biggest winners of 2023. An opportunity like this has not presented itself for a long time.
Learn More
Thoughts on the Market with Andrew Sheets
Each week, Chief Cross-Asset Strategist Andrew Sheets, or a member of his team, shares podcasts offering perspective on the forces shaping the markets as well as insights on investment opportunities and risk across global asset classes. Click the link below to listen to the latest edition.
Listen Here
Global Investment Committee: On The Markets
A monthly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out the latest edition below.
Learn More
The Global Investment Committee Weekly
Weekly insights into global markets, asset classes and economic trends from the Global Investment Committee, Morgan Stanley’s team of seasoned investment professionals.
Learn More
2023 Federal Income Tax Tables
For help filing your taxes this year, our team has published the 2023 tax tables for your reference. Please click the link below to view them.
Learn MoreCustomized Solutions
We leverage our experience and relationship to deliver innovative strategies that are tailored to your specific needs and goals. We look forward to speaking with you to understand your challenges, so we map out a strategy to help achieve your priorities and ambitions.
Financial Planning
We're here to help manage the stress around financial decisions by offering knowledge and thoughtful guidance. As your life evolves, so do your goals: our approach allows you to look across your assets and liabilities to help you adapt your strategy in an effort to meet those changing demands. Whether it is saving for retirement and other expenses, securing retirement income, healthcare planning, taxes, education, or legacy planning, we're here for you.
Wealth Consulting
Wealth consulting brings virtually all of the dimensions of your life together. We listen carefully to understand the connections across your personal life, your family, your career and your faith to develop an integrated strategy that is uniquely yours.
Portfolio Management
We study investment trends and leverage the global resources of the firm to develop a personalized investment strategy. Through our oriented accountability we'll find a personalized portfolio to help you meet your requirements for growth, income or wealth constraints.
Estate Planning
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.
Retirement Planning
Planning for retirement has never been easy, but in recent years, it's become increasingly difficult. We're here to help you create a well-rounded planning approach for retirement. We'll help you identify your personal goals and track your progress towards achieving them.
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.
Education Funding
Helping meet the educational costs of children and grandchildren may be one of the most personal fulfilling investments you can make. We can help you access appropriate investment vehicles and determine the best possible strategies for helping achieve this goal.
Estate Planning Information
The Basics of Estate Planning
Morgan Stanley Family Office Resources offers a differentiated value proposition to integrate comprehensive tax, estate, and financial planning strategies into your overall wealth plan.
Click Here To Learn More
Estate & Gift Tax
These educational videos discuss the basics and highlight the resources available in estate planning strategies to help you address some of life's challenges and opportunities as they arise.
Click Here To Learn MoreLegacy Planning
Delivering an estate to the next generation or favorite charity requires more attention than families often commit. Coordinating with outside estate tax professionals, we align estate planning goals with the appropriate asset titling and beneficiary designation requirements, while incorporating tax minimization strategies to help enhance results.
Risks To Your Retirement
Once you determine what kind of retirement you want, we will work together to take a closer look at the risks that might be standing between you and your retirement goals. No matter how well you save during the accumulation phase, it's critical to plan how you convert those assets to income. We can help you navigate the challenges that may arise.
Location
20400 Stevens Creek Blvd
Ste 350
Cupertino, CA 95014
US
Direct:
(408) 861-2000(408) 861-2000
Meet Bettisworth Group
Phone:
(408) 861-2026(408) 861-2026
Nichole Yu, Registered Client Service Associate
Phone:
(408) 861-2066(408) 861-2066
About George Bettisworth
George’s father introduced him to investing when he was in elementary school. George soon purchased his first stock mutual funds with savings from his low-yielding bank account. The excitement of reading the business section each day to check his investments’ performance became a lifelong obsession. That early hobby has blossomed into an investments and financial planning a career spanning numerous market cycles.
George began his career in wealth management after serving his country for four years in the U.S. Air Force. As a Master Crew Chief, managing the maintenance of multi-million-dollar aircraft, the safety of the crew and aircraft were his responsibility. That experience taught George the importance of focus, high attention to detail and discipline, all attributes he would carry over to his investment management career.
George started at Dean Witter, which was later acquired by Morgan Stanley. During his distinguished tenure with the Firm, George has received the numerous designations, including the Branch Retirement Planning Coordinator award; Certified Financial Planner®; Senior Portfolio Manager; Portfolio Management Director; and the peer voted, “Broker’s Broker” award, for his assistance to other Financial Advisors with technical retirement planning strategies.
George has produced an hourly business report for CNN affiliate KLIV 1590 AM (San Jose News), which focuses on public technology companies headquartered in Silicon Valley. He has been interviewed by radio and television stations and published in numerous local newspapers.
A youth leader at his local church and a Boy Scout leader for more than 14 years, George is a native of Cupertino, California, where he lives today, with his wife, who was his high school sweetheart. His wife Marti is a registered nurse and they enjoy being active with their five children through travelling, fishing, boating, hiking and gardening. George holds a B.S. in Business Administration and an MBA.
George began his career in wealth management after serving his country for four years in the U.S. Air Force. As a Master Crew Chief, managing the maintenance of multi-million-dollar aircraft, the safety of the crew and aircraft were his responsibility. That experience taught George the importance of focus, high attention to detail and discipline, all attributes he would carry over to his investment management career.
George started at Dean Witter, which was later acquired by Morgan Stanley. During his distinguished tenure with the Firm, George has received the numerous designations, including the Branch Retirement Planning Coordinator award; Certified Financial Planner®; Senior Portfolio Manager; Portfolio Management Director; and the peer voted, “Broker’s Broker” award, for his assistance to other Financial Advisors with technical retirement planning strategies.
George has produced an hourly business report for CNN affiliate KLIV 1590 AM (San Jose News), which focuses on public technology companies headquartered in Silicon Valley. He has been interviewed by radio and television stations and published in numerous local newspapers.
A youth leader at his local church and a Boy Scout leader for more than 14 years, George is a native of Cupertino, California, where he lives today, with his wife, who was his high school sweetheart. His wife Marti is a registered nurse and they enjoy being active with their five children through travelling, fishing, boating, hiking and gardening. George holds a B.S. in Business Administration and an MBA.
Securities Agent: AL, MO, TN, SC, AK, MA, OR, ID, IA, AR, NY, MN, WA, CO, VA, NV, IL, CT, CA, OK, NM, NC, FL, OH, AZ, TX, IN, MT; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
CA Insurance License #: 0A37662
CA Insurance License #: 0A37662
About Andrew Bettisworth
Securities Agent: CT, CO, MN, MA, ID, CA, TN, FL, OH, AK, MO, IL, AL, VA, NY, TX, OR, MT, WA, SC, NV, NM, AZ, AR, IN, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 2398772
CA Insurance License #: 0M58076
NMLS#: 2398772
CA Insurance License #: 0M58076
Contact George Bettisworth
Contact Andrew Bettisworth
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?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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
Ready to start a conversation? Contact Bettisworth 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
3Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
6Morgan 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.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
9Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
10When 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.
11The 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.
12Morgan 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.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
3Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
6Morgan 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.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
9Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
10When 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.
11The 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.
12Morgan 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.
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)
