Evan J. Patterson
Private Banker
Blake C. Ellison
Vice President,
Financial Advisor,
Portfolio Management Director
Direct:
(508) 870-7011(508) 870-7011
Toll-Free:
(888) 827-2901(888) 827-2901
My Mission Statement
Experience, compassion, intellectual capital and dedicated personal service to help you strive to meet your life goals.
My Story and Services
Whether you’re launching a business, planning for retirement, or choosing your bucket-list goals, it’s good to have a Financial Advisor on your side.
I’m ready to help. I look forward to getting to know you, your goals, and your challenges. I’ll find financial strategies that help you live your best life. And if your situation changes, or the market shifts, I’ll be here to guide you.
I’m ready to help. I look forward to getting to know you, your goals, and your challenges. I’ll find financial strategies that help you live your best life. And if your situation changes, or the market shifts, I’ll be here to guide you.
Services Include
- 401(k) Rollovers
- Access to Lending Services
- Alternative InvestmentsFootnote1
- AnnuitiesFootnote2
- Business PlanningFootnote3
- Business Succession PlanningFootnote4
- Cash ManagementFootnote5
- Education Planning
- Estate Planning StrategiesFootnote6
- Exchange Traded FundsFootnote7
- Executive Financial ServicesFootnote8
- Family Consulting
- Financial PlanningFootnote9
- Fixed IncomeFootnote10
- Insurance ServicesFootnote11
- Life InsuranceFootnote12
- Long Term Care InsuranceFootnote13
- Precious MetalsFootnote14
- Professional Portfolio ManagementFootnote15
- Retirement PlanningFootnote16
- Trust ServicesFootnote17
- Wealth ManagementFootnote18
- 529 PlansFootnote19
Securities Agent: MD, TX, WV, FL, VT, NV, MA, UT, RI, CA, PA, VA, NH, NY, NJ, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 1809609
NMLS#: 1809609
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
My Biography
Blake is a Vice President, Portfolio Management Director and Financial Advisor at Morgan Stanley Wealth Management. He received his Bachelors of Science in Finance from Bentley University in 1993. Blake joined Morgan Stanley Wealth Management in 2007. He has amassed 30 years of investment management and financial consulting experience working with a myriad of corporate executives, business owners, institutions and families seeking assistance with their multi-generational wealth management and legacy planning. He provides comprehensive wealth and portfolio management strategies while fully accounting for the unique circumstances of each individual client or family.
Upon graduating from Bentley University, Blake was hired by Olde Investments, where he worked for a year on the equity and fixed income trading floor in Detroit, Michigan. This invaluable experience cemented a solid foundation in his transition from academia to the "real world," while allowing him to better understand how global capital markets operate. The following year, he continued working at Olde Investments as an Investment Advisor in their Wellesley, Massachusetts, office.
He later transitioned to his position as a Financial Advisor and Retirement Planning Consultant at UBS PaineWebber in Boston for 10 years, before settling in at his current location at Morgan Stanley Wealth Management.
As a Vermont native, Blake grew up enjoying the outdoors and taking frequent family trips to Boston. When it was time to consider colleges and universities, the Boston area was a natural attraction for him. After college and a year in Michigan, he settled back to Massachusetts. He now resides in Westborough, Massachusetts, with his three children. Blake is an avid outdoorsman and enjoys skiing, hiking, snowmobiling, scuba diving in addition to watching movies and traveling. His passions include sports, muscle and classic cars, sampling wine or scotch, tending to his garden and attending his kids' sports games and musical performances.
He is a sponsor and participates in various local and international charity events for organizations including Hope for Children Worldwide, Ducks Unlimited, MS Ride, Smile Train and various food pantries and land trusts. He has been an active volunteer coaching youth baseball, softball, basketball and football in addition to volunteering for the Boy Scouts for many years.
Awards:
2014, 2015 Five Star Wealth Manager Award Source: fivestarprofessional.com (Awarded 2014, 2015) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2014 Award – 05/18/2013 through 11/6/2013
2015 Award – 05/18/2014 through 11/6/2014
Selected 2014 and 2015 Five Star Best in Overall Client Satisfaction Wealth Manager - Boston Magazine
Working With You
When engaging with a new client I like to ensure they know what to expect. Below is the process I follow when I being to work with and onboard a new client.
Step One: Meet and Greet
Our first introduction will be a casual one. I like to take the time to learn about you and your goals and connect on a personal level before jumping into things. During this meeting I will ask you about your values and what your needs are – essentially, what lead to scheduling this meeting. During this meeting I’ll also tell you a little bit about myself and, hopefully, we will both agree that we will work well together.
Step Two: Assess Your Situation
During this meeting we’ll look at your unique situation. We will drill into the nuts and bolts of your sources of income, expenses, assets and liabilities and after our meeting I will develop a plan unique to your needs and goals.
Step Three: Plan Implementation
I will create a plan and present it to you. When you agree to entrust me with your assets, we’ll begin to take care of logistical next steps, like account transfers and paperwork. We will also establish expectations for how hands-on or hands-off you want to be in the day-to-day details of your account.
Step Four: Continuous Monitoring
I understand and appreciate that your situation can change quickly. Your goals or finances down the road may be different from what we discussed when you first became a client. I will be sure to regularly check-in to ensure your plan stays on track and relevant to your current situation.
My Clients Include
• Individuals and Multi-Generational Families
• Business owners
• Corporate executives
• Retirees and those approaching retirement
• Institutions, Associations and Endowments
• Business owners
• Corporate executives
• Retirees and those approaching retirement
• Institutions, Associations and Endowments
Services Available to My Clients
I offer a range of services to help you achieve your financial goals, leveraging Morgan Stanley’s extensive network of resources.
Financial Planning
Leveraging Morgan Stanley’s resources—including intellectual capital, experience and dedicated personal service—I can work with you to create a personalized wealth strategy. Then, over time, we can adapt it to changing circumstances, helping you to achieve—and to protect—your goals.
Learn More
Retirement Planning
I’ll help you understand the fundamentals of finance and put your resources to work, so you can plan, invest, and ultimately transition to retirement with confidence.
Learn More
Education Planning
With education costs rising, paying for college has become a major life expense that requires smart planning. Starting the process early to save toward the college costs of a child or grandchild can help limit how much your future student will have to borrow.
Learn More
Estate Planning
Having a plan in place to make sure your assets go where you want them to when you die is critical. Estate planning provides for the management or disposition of property on death or incapacity. In addition, estate planning should include documentation that will enable health care decisions to be made during incapacity.
Learn More
401(k) Plans & Rollovers
The decision to roll over your retirement assets from a retirement plan or an IRA is one of the more important financial decisions you will make. Your retirement assets may represent a substantial source of your future retirement income and there are many factors you should consider in determining whether to roll over your assets.
Learn More
Managing Concentrated Stock Positions
Individuals often end up holding large amounts of their wealth in the common shares of a single company. Whether acquired through equity-based compensation, inheritances or other avenues, these concentrated stock positions will often have generated a great deal of wealth for these investors. However, concentrated positions can also pose significant risks.
Learn More
Risk Management
I take a holistic approach to managing your finances by identifying risk outliers and understanding the impact of market scenarios. I leverage Morgan Stanley’s Portfolio Risk Platform and the risk analytics integrated into their proprietary platform applications to leverage risk insights across thousands of risk factors.
Learn More
Insurance Coverage
Insurance is an essential part of financial planning, especially if loved ones rely on you for financial support and livelihood. I can work with you to develop and implement a well- considered strategy – one based on your unique financial goals and opportunities.
Learn MoreHelpful Resources for My Valued Clients
Morgan Stanley Online
The Morgan Stanley Online (MSO) website and app acts as a home base to view your account balance and recent activity.
Within MSO you can:
* Approve wire transfers once enrolled in eAuthorization
* Send Money with Zelle®
* Manage everyday finances and track your spending
Login or Register for MSOWithin MSO you can:
* Approve wire transfers once enrolled in eAuthorization
* Send Money with Zelle®
* Manage everyday finances and track your spending
Total Wealth View
Through Morgan Stanley Online, Total Wealth View (TWV) gives you the ability to link and manage multiple financial accounts from different firms all in one place. This will allow you to conveniently see your entire wealth picture, analyze cash flows and benefit from more informed wealth planning.
Access or Enroll in TWV
Online Security Center
Keeping your assets and personal information safe is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More
Reserved Living & Giving
Morgan Stanley's loyalty program allows eligible clients access to exclusive offers and discounts from over 70 premium brands at no cost.
Sign In or Enroll
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
eDelivery Guide
2024 Tax Tables
This helpful resource outlines the 2024 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
See Tax Tables
The GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read the Report
Thoughts on the Market Podcast
Mike Wilson offers his perspective on the forces shaping the markets and how to separate the signal from the noise. Listen to his most recent episode and check out those of his colleagues from across Morgan Stanley Research.
Listen Here
Contribution Limits for 2025
The Internal Revenue Service (IRS) recently announced increases in contribution limits to 401(k) and other tax-deferred retirement plans to support the continuous rise in costs of living and other expenses. The amount individuals can contribute to their 401(k) plans in 2025 has increased to $23,500, up from $23,000 for 2024. You can review all plan type 2025 contribution limits here.
Review All Plan Types
Wealth Management Capabilities Brochure
The insight you use to achieve your goals can make a difference when it comes to your financial future. That’s why at Morgan Stanley, we emphasize the value of good advice. Take a moment and read our Wealth Management Capabilities brochure to see how we can help you craft an investment strategy around your goals.
Read the BrochureClient Service Team
Ashley Casucci - Client Service Associate
Phone:
(508) 870-2324(508) 870-2324
Email:Ashley.Casucci@morganstanley.com
Ashley Casucci is a Client Service Associate with a passion for customer service. Ashley is committed to providing clients a full service experience by assisting clients in day-to-day administration and problem resolution. Ashley holds a Masters of Science from Northeastern University and a Bachelors of Music from Boston University. In her free time Ashley enjoys theater; she is the President of the Gazebo Players and is on the Board of Directors for the TCAN Players and Curtain Up Theater company. Ashley resides in Hopkinton with her husband and three children.
Location
1 Technology Dr
Westborough, MA 01581
US
Direct:
(508) 870-7011(508) 870-7011
Toll-Free:
(888) 827-2901(888) 827-2901
Fax:
(508) 870-7050(508) 870-7050
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
Antonio Giuliani, CFP®
Financial Planning Director, Assistant Vice President
Chris Smith
Trust Specialist
About Evan J. Patterson
Evan Patterson is a Private Banker serving Morgan Stanley Wealth Management offices in Rhode Island, Massachusetts and New York.
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.
Evan began his career in financial services in 1999. Prior to relocating to the Northeast, he served as a Private Banker in the Tampa Bay area. Before joining Morgan Stanley in 2010, Evan spent 10 years in high net worth lending at Merrill Lynch supporting teams in New York City, Los Angeles, and Jacksonville. He began his career as a Securities Based Lending Officer before rising within the firm, holding several other positions including Priority Loan Officer, Associate Mortgage and Credit Specialist, Consumer Finance Specialist and Banking and Liquidity specialist.
Evan is a graduate of the University of Florida, where he received a Bachelor of Science in Business Administration with concentration in Finance. He lives in East Greenwich, Rhode Island with his family. Outside of the office, Evan enjoys painting, watching cinema, reading books, and listening to vinyl records.
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.
Evan began his career in financial services in 1999. Prior to relocating to the Northeast, he served as a Private Banker in the Tampa Bay area. Before joining Morgan Stanley in 2010, Evan spent 10 years in high net worth lending at Merrill Lynch supporting teams in New York City, Los Angeles, and Jacksonville. He began his career as a Securities Based Lending Officer before rising within the firm, holding several other positions including Priority Loan Officer, Associate Mortgage and Credit Specialist, Consumer Finance Specialist and Banking and Liquidity specialist.
Evan is a graduate of the University of Florida, where he received a Bachelor of Science in Business Administration with concentration in Finance. He lives in East Greenwich, Rhode Island with his family. Outside of the office, Evan enjoys painting, watching cinema, reading books, and listening to vinyl records.
NMLS#: 800467
About Antonio Giuliani
Antonio Giuliani is a Assistant Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Connecticut and Massachusetts. He is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Antonio Giuliani began his career in financial services in 2015 and joined Morgan Stanley in 2019 Prior to his current position, he began his career in the financial services industry with a local advisory firm while pursuing an undergraduate degree from the University of Connecticut. He soon developed a keen understanding for what client’s value most and decided to transition to a larger more established investment company as a Strategic Relationship Advisor.
Antonio graduated from the University of Connecticut and holds his CERTIFIED FINANCIAL PLANNER™ designation. Antonio lives in Berlin, CT with his dog and fiancé. Outside of work, Antonio volunteers at a Women’s shelter providing Financial Education and enjoys working out, cooking, and spending time with his family.
Antonio Giuliani began his career in financial services in 2015 and joined Morgan Stanley in 2019 Prior to his current position, he began his career in the financial services industry with a local advisory firm while pursuing an undergraduate degree from the University of Connecticut. He soon developed a keen understanding for what client’s value most and decided to transition to a larger more established investment company as a Strategic Relationship Advisor.
Antonio graduated from the University of Connecticut and holds his CERTIFIED FINANCIAL PLANNER™ designation. Antonio lives in Berlin, CT with his dog and fiancé. Outside of work, Antonio volunteers at a Women’s shelter providing Financial Education and enjoys working out, cooking, and spending time with his family.
About Chris Smith
Chris Smith is an Executive Director and Head of Morgan Stanley’s Trust Services Group. As a 30-year employee of Morgan Stanley, Chris is responsible for maintaining the “Open Architecture” trustee platform, which consists of thirteen third-party trust companies who can serve in a fiduciary, agency or custodial role for ultra-high-net worth client trust accounts. Chris and the Trust Services Group help Advisors, clients, prospects and the professional community understand the corporate trustee services available through Morgan Stanley and how our corporate trustee partners can be used to provide fiduciary solutions for clients. This involves reviewing trust document and statements as well as analyzing family dynamics. Chris then uses this information to recommend one or more of the firm’s third-party corporate trustee partners to possibly serve as trustee, co-trustee or administrative agent for a client trust account.
Prior to joining Morgan Stanley (Dean Witter), Chris worked in the Retirement Plans department of Prudential Securities and prior to that the District Agency department of Prudential Insurance Company. Chris holds a Bachelor of Arts degree in Communication/Journalism and Psychology from St. John Fisher College in Rochester, NY. He lives in Saratoga Springs, NY with his wife Sharon and two boys, Ryan and Michael and has a passion for golf, skiing and horse racing.
Prior to joining Morgan Stanley (Dean Witter), Chris worked in the Retirement Plans department of Prudential Securities and prior to that the District Agency department of Prudential Insurance Company. Chris holds a Bachelor of Arts degree in Communication/Journalism and Psychology from St. John Fisher College in Rochester, NY. He lives in Saratoga Springs, NY with his wife Sharon and two boys, Ryan and Michael and has a passion for golf, skiing and horse racing.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
Wealth Management
From My Desk
Blake Ellison - February 2025 Newsletter
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
Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
Article Image
Ready to start a conversation? Contact Blake C. Ellison today.
1Alternative 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.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Morgan 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.
4Morgan 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.
5Morgan 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
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 and other legal matters.
7An 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.
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 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.
10Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Physical precious metals are non-regulated products. Precious metals are speculative investments, which may experience short-term and long-term price volatility. The value of precious metals investments may fluctuate and may appreciate or decline, depending on market conditions. If sold in a declining market, the price you receive may be less than your original investment. Unlike bonds and stocks, precious metals do not make interest or dividend payments. Therefore, precious metals may not be appropriate for investors who require current income. Precious metals are commodities that should be safely stored, which may impose additional costs on the investor. The Securities Investor Protection Corporation (“SIPC”) provides certain protection for customers’ cash and securities in the event of a brokerage firm’s bankruptcy, other financial difficulties, or if customers’ assets are missing. SIPC protection does not apply to precious metals or other commodities.
15Morgan 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.
16When 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.
17Morgan 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.
18Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
19Investors 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.
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
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Morgan 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.
4Morgan 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.
5Morgan 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
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 and other legal matters.
7An 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.
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 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.
10Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Physical precious metals are non-regulated products. Precious metals are speculative investments, which may experience short-term and long-term price volatility. The value of precious metals investments may fluctuate and may appreciate or decline, depending on market conditions. If sold in a declining market, the price you receive may be less than your original investment. Unlike bonds and stocks, precious metals do not make interest or dividend payments. Therefore, precious metals may not be appropriate for investors who require current income. Precious metals are commodities that should be safely stored, which may impose additional costs on the investor. The Securities Investor Protection Corporation (“SIPC”) provides certain protection for customers’ cash and securities in the event of a brokerage firm’s bankruptcy, other financial difficulties, or if customers’ assets are missing. SIPC protection does not apply to precious metals or other commodities.
15Morgan 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.
16When 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.
17Morgan 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.
18Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
19Investors 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.
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Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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Awards Disclosures
CRC 6491812 (04/2024), 3582895 (6/2024)
