Gregory Blair, CPWA®
Senior Vice President, Financial Advisor, Investing with Impact Director
Phone:
(410) 494-8376(410) 494-8376
Blair Della-Croce Group at Morgan Stanley
Direct:
(410) 296-9200(410) 296-9200
Our Mission Statement
Our mission is to provide the ultimate client experience, rapid response to time sensitive issues, customized investment solutions, and to help each client achieve their vision of financial success.
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.
Services Include
- Retirement PlanningFootnote1
- Alternative InvestmentsFootnote2
- 401(k) Rollovers
- Wealth ManagementFootnote3
- Sustainable InvestingFootnote4
- Long Term Care InsuranceFootnote5
- Endowments and FoundationsFootnote6
- Corporate Retirement PlansFootnote7
- Business Succession PlanningFootnote8
- Estate Planning StrategiesFootnote9
- Trust ServicesFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Suite of Services
Corporate Retirement Plans
Whether your business has five or 500 employees, providing a retirement plan can be a powerful tool for elevating your talent strategy. We are happy to help you select the right retirement solution for your business.
Retirement Planning
We especially enjoy assisting you as you approach retirement. We will make sure your financial choices reflect your goals and help you shift from wealth accumulation to income management and wealth transfer strategies.
Endowments & Foundations
We understand the challenges facing endowments and foundations and are prepared to assist clients achieve their investment goals.
Risk Analysis
Life's risks can manifest themselves in many ways -from loss of life to loss of health - and have the potential to impair the efficiency of a thoughtfully developed plan. We proactively help address these concerns in a number of ways, ranging from insurance reviews to liquidity strategies.
Sustainable Investing
We are committed to sustainability, investing for the good of humanity and the future of the earth. When we work together, we talk about your values and the impact you want to make with your money and your life.
Wealth Management
Our goal is to help you manage your financial affairs in order to achieve your long-term goals. We do this by involving a range of services, including financial planning, investment management, tax planning, risk management, and estate planning.
Family Office Resource
We can serve as a primary Financial Advisor across a family’s portfolio and provide access to a number of investment opportunities. We can also help provide objective information on client-sourced, third-party investments.
Our administrative support capabilities provide families with dedicated professionals who deliver data aggregation and analysis across the disclosed portfolio, and operational support including money movement facilitation, payment of capital calls, and compilation of tax-related documentation (e.g., K-1s).
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Our administrative support capabilities provide families with dedicated professionals who deliver data aggregation and analysis across the disclosed portfolio, and operational support including money movement facilitation, payment of capital calls, and compilation of tax-related documentation (e.g., K-1s).
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Our Process
Whatever your financial goal - whether to grow your wealth, preserve it or pass it on to others, you can count on us to help you with a strategy that is flexible to your wants and needs. Below is the process we take when meeting a new prospective client.
1. Introductory Call
We begin with an informal conversation to understand your financial concerns and determine how we can add value. If we all agree to move forward, we’ll schedule our next meeting and request important financial information.
2. Getting to Know You
We continue the dialogue we started, learning about the values that shape your decisions and identifying any unique circumstances around your wealth. We review the documents you prepared and begin to define your priorities and timelines.
3. Analysis and Plan Development
Here, we utilize industry-leading financial planning tools to develop a personalized and detailed financial plan with specific recommendations to help you grow and preserve your wealth. This serves as the foundation for building your initial plan, as well as future wealth management decisions.
4. Plan Presentation and Implementation
In this step, we will present your financial plan that includes an investment portfolio that aligns your investments with your goals, timeframe, and risk level. We also discuss other wealth management solutions that may include risk management techniques.
5. Implementation
Upon your approval of our recommendations, we begin to implement the strategies outlines in the plan. Once assets have been transferred to Morgan Stanley and are aligned with your investment strategy, walk you through the details of your new statement and introduce all of the tools and recourses available to you.
6. Continued Service and Care
Committed to premium service, we focus on developing a relationship that provides special value to you and your family. As we begin to implement each strategy, we also want to continue to provide top tier attention to stay on top of those financial objectives and maintain a strong relationship with you.
A Financial Plan Made For You
Our wealth management process begins with you, your investment objectives and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life - your investments and your cash management needs - making sure they align with your goals and wealth management plan.
At Morgan Stanley, we understand that the goals you set today will evolve over time. Your plan will evolve with them - and with the changing circumstances of your life.
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources of Morgan Stanley, we can help you take charge of your financial future an achieve your goals. Below, we have provided some links that will introduce you to a few of the tools that we use, please click to learn more about them. We hope that you will return often to learn more about topics impacting your wealth.
At Morgan Stanley, we understand that the goals you set today will evolve over time. Your plan will evolve with them - and with the changing circumstances of your life.
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources of Morgan Stanley, we can help you take charge of your financial future an achieve your goals. Below, we have provided some links that will introduce you to a few of the tools that we use, please click to learn more about them. We hope that you will return often to learn more about topics impacting your wealth.
LifeView - Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual’s financial life, including investments and cash management needs. Fill out the questionnaire to get started talking with us about creating a personalized strategy for your long-term goals.
Goals Planning System
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
Start Planning Now
Aladdin - Intelligent Risk Management
There’s a chance your portfolio may be at risk, but how you manage that risk is what matters.
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.
Spending and Budgeting Tool
One way to manage savings is by using Morgan Stanley’s Spending and Budgeting tool. These tools help advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
Start Using the Tool Today
Strategy - Intelligent Withdrawals
Building wealth is a means to an end. Taxes can eat up a significant portion of your assets upon withdrawal. This is why it's vital to look at your entire portfolio and coordinate liquidation to help reduce the impact of taxes and potentially improve investment results.
The decisions your make today can help you save for years to come. Use the resources found in the link below to help get started.
View Tax-Aware Strategies HereThe decisions your make today can help you save for years to come. Use the resources found in the link below to help get started.
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 futures. We are firm believers in providing our 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.
Global Investment Committee on the Markets Monthly Report
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.
Click Here
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Click Here
Thoughts on the Market
From volatility and geopolitics to economic trends and investment outlooks, stay informed on the key developments shaping today's markets.
Listen Here
2024 Federal Tax Tables
Here are the federal tax tables for 2024 to assist with your investment decisions.
Click Here
Morgan Stanley Ideas
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
Listen Here
Preferred Savings
Our new 5.00% Annual Percentage Yield offer from Morgan Stanley’s Preferred Savings Program for qualifying cash helps you make the most of your cash.
Click HereLocation
2330 W Joppa Road
Suite 255
Lutherville, MD 21093
US
Direct:
(410) 296-9200(410) 296-9200
Meet Blair Della-Croce Group
Phone:
(410) 494-8291(410) 494-8291
Jen Wade
Senior Registered Client Service Associate
Phone:
(410) 494-8294(410) 494-8294
About Gregory Blair
Greg is a James Madison University graduate and started his career as a Financial Advisor at Merrill Lynch in 1998. Greg, his wife Danielle, 3 sons, and daughter reside in Westminster, MD with their dog, Bailey. Greg is a volunteer coach on the lacrosse and soccer fields and loves spending time with his family.
Greg serves on the local community foundation board in Westminster and leads a father/son ministry at their church in Reisterstown. When there is free time, outside of the homework and sport schedules, Greg enjoys hiking, biking, playing pickup lacrosse and shooting hoops with his boys and daughter.
Greg has organized and led various hikes to support a wide array of causes from supporting our veterans, to supporting the cystic fibrosis foundation, to helping support children and young adults that have experienced trafficking and abuse. Greg has led and supported efforts to help promote diversity in the sport of lacrosse and other events to help strengthen the community over the years as a volunteer.
Greg is a Certified Private Wealth Advisor® and a Certified Plan Fiduciary Advisor®. Greg earned the CPWA® certification in 2014 with the Investments and Wealth Institute at the University of Chicago School of Business. He serves individual clients and provides consulting services to nonprofit organizations, trade associations, and retirement plans.
Greg serves on the local community foundation board in Westminster and leads a father/son ministry at their church in Reisterstown. When there is free time, outside of the homework and sport schedules, Greg enjoys hiking, biking, playing pickup lacrosse and shooting hoops with his boys and daughter.
Greg has organized and led various hikes to support a wide array of causes from supporting our veterans, to supporting the cystic fibrosis foundation, to helping support children and young adults that have experienced trafficking and abuse. Greg has led and supported efforts to help promote diversity in the sport of lacrosse and other events to help strengthen the community over the years as a volunteer.
Greg is a Certified Private Wealth Advisor® and a Certified Plan Fiduciary Advisor®. Greg earned the CPWA® certification in 2014 with the Investments and Wealth Institute at the University of Chicago School of Business. He serves individual clients and provides consulting services to nonprofit organizations, trade associations, and retirement plans.
Securities Agent: MI, ME, DE, OR, NC, MO, KY, TX, PA, OH, NY, NV, IN, NJ, IA, TN, RI, LA, CA, NM, WA, MN, MD, MA, DC, AZ, WV, VT, SC, CO, WY, UT, NH, KS, FL, CT, AL, IL, GA, AR, VA, SD; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 532828
NMLS#: 532828
About Peter Della-Croce
Pete is a Financial Advisor and Senior Vice President who began his career with Merrill Lynch in 1999. He advises families, businesses, corporate retirement plans as well as tax-exempt organizations regarding investments, lending and long term planning.
Pete has volunteered for a number of charitable organizations and is actively involved with Meals on Wheels of Central Maryland as well as The Arc of Howard County and has served in various roles as a board member, committee member and committee chair. He enjoys spending time playing golf, tennis and traveling with his wife especially when visiting their daughters in Arizona and North Carolina.
Pete received his BS in Finance from the University of Maryland’s Robert H. Smith School of Business. He holds the Certified Plan Fiduciary Advisor® designation as well as the Certified Investment Management Analyst® designation earned with the Investments & Wealth Institute at The Wharton School of the University of Pennsylvania.
Pete lives in Marriottsville, MD with his wife Robyn and their golden retriever, Izzy.
Pete has volunteered for a number of charitable organizations and is actively involved with Meals on Wheels of Central Maryland as well as The Arc of Howard County and has served in various roles as a board member, committee member and committee chair. He enjoys spending time playing golf, tennis and traveling with his wife especially when visiting their daughters in Arizona and North Carolina.
Pete received his BS in Finance from the University of Maryland’s Robert H. Smith School of Business. He holds the Certified Plan Fiduciary Advisor® designation as well as the Certified Investment Management Analyst® designation earned with the Investments & Wealth Institute at The Wharton School of the University of Pennsylvania.
Pete lives in Marriottsville, MD with his wife Robyn and their golden retriever, Izzy.
Securities Agent: MA, CT, MN, LA, WY, VA, NV, NJ, NH, MI, AR, UT, KY, DE, DC, NC, CA, NM, MD, IL, WV, SD, OR, OH, ME, CO, AL, WA, VT, TN, SC, PA, KS, MO, RI, IN, IA, GA, FL, AZ, TX, NY; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 710584
NMLS#: 710584
About Jen Wade
Jen is a Senior Registered Client Service Associate who has been in the industry since 1998. Jen has a background in Computer Information Systems and focuses on all aspects of client service for the team. She resides in Carroll County with her fiancé Andres, and son Vincent.
Contact Gregory Blair
Contact Peter Della-Croce
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Daniel Benkoski
Private Banker
Casey Morris
Associate Private Banker
Mark Jansen
Family Office Resources Generalist
About Daniel Benkoski
Daniel J. Benkoski is a Private Banker serving Morgan Stanley Wealth Management offices in Maryland and Delaware.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Daniel began his career in financial services in 2014 and joined Morgan Stanley in 2015. Prior to joining the firm, he was a Financial Advisor at AXA Advisors.
Daniel is a graduate of Pennsylvania State University, where he received a Bachelor of Science in Crime, Law, and Justice and a minor in Economics. He lives in Baltimore, Maryland. Outside of the office, Daniel enjoys traveling, golfing, and exploring the outdoors.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Daniel began his career in financial services in 2014 and joined Morgan Stanley in 2015. Prior to joining the firm, he was a Financial Advisor at AXA Advisors.
Daniel is a graduate of Pennsylvania State University, where he received a Bachelor of Science in Crime, Law, and Justice and a minor in Economics. He lives in Baltimore, Maryland. Outside of the office, Daniel enjoys traveling, golfing, and exploring the outdoors.
NMLS#: 1653913
About Casey Morris
Casey Morris is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Maryland.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Casey began his career in financial services in 2019 and joined Morgan Stanley in 2022. Prior to joining the firm, he was a Commercial Banker at Wells Fargo. He also served as a Market Consultant at the Hanover Research Council.
Casey is a graduate of George Mason University, where he received a Bachelor of Science in Economics. He lives in Arlington, Virginia. Outside of the office, Casey enjoys hunting, fishing, and playing golf.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Casey began his career in financial services in 2019 and joined Morgan Stanley in 2022. Prior to joining the firm, he was a Commercial Banker at Wells Fargo. He also served as a Market Consultant at the Hanover Research Council.
Casey is a graduate of George Mason University, where he received a Bachelor of Science in Economics. He lives in Arlington, Virginia. Outside of the office, Casey enjoys hunting, fishing, and playing golf.
NMLS#: 2386859
About Mark Jansen
Mark Jansen is a Family Office Resources Generalist for Morgan Stanley’s Family Office Resources, covering the Southeast Region. In this capacity, Mark provides specialized expertise to Financial Advisors and their UHNW clients across a broad range of family wealth management issues including; family governance and wealth education, strategic estate and financial planning, philanthropy management and lifestyle advisory. Mark has over 30 years of experience advising wealthy families, business owners, and their children.
Most recently, Mark worked with New York Life in their Advanced Planning Group working with agents and their UHNW clients advising them on estate and legacy planning, business buy sell planning, and succession planning. Prior to New York Life, Mark held similar Advanced Planning Consulting roles in several National financial organizations. He originally started his career in the financial services industry in the tax department of the public accounting firm Grant Thornton. He is known for taking complex ideas and making them easy to understand. Frequently speaking to groups and individuals on estate and business planning, he brings a conversational style that helps to clarify the complex nature of these topics.
Mark received a Bachelor of Science degree from St. John’s University in Collegeville MN, received his JD degree Cum Laude from the University of Minnesota and his CPA license while working at Grant Thornton. He holds a Series 7, 24 and 63 securities licenses. He currently lives in Richmond Virginia with his wife and occasionally one of their 6 children.
Most recently, Mark worked with New York Life in their Advanced Planning Group working with agents and their UHNW clients advising them on estate and legacy planning, business buy sell planning, and succession planning. Prior to New York Life, Mark held similar Advanced Planning Consulting roles in several National financial organizations. He originally started his career in the financial services industry in the tax department of the public accounting firm Grant Thornton. He is known for taking complex ideas and making them easy to understand. Frequently speaking to groups and individuals on estate and business planning, he brings a conversational style that helps to clarify the complex nature of these topics.
Mark received a Bachelor of Science degree from St. John’s University in Collegeville MN, received his JD degree Cum Laude from the University of Minnesota and his CPA license while working at Grant Thornton. He holds a Series 7, 24 and 63 securities licenses. He currently lives in Richmond Virginia with his wife and occasionally one of their 6 children.
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
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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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 Blair Della-Croce Group today.
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4The 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan 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.
7When 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.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
9Morgan 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.
10Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan 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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4The 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan 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.
7When 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.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
9Morgan 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.
10Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan 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:
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Awards Disclosures
CRC 6491812 (04/2024)
