Frederick Pierce, CFP®, CFA
Financial Advisor, Senior Portfolio Manager, Family Wealth Director
Phone:
(973) 993-5271(973) 993-5271
Borealis Wealth Management at Morgan Stanley
Our Mission Statement
Whether it's helping you make a lasting philanthropic impact or educating your children about the responsibilities that will come with great wealth we're committed to delivering the vast resources of Wealth Management to inform your vision, enrich your journey and transform all you've achieved into a legacy that lives on for generations to come.
Our Story and Services
As your life evolves, not only does your financial strategy become more complex, but your options for implementing it increase as well. Often, evaluating these options and wisely choosing among them may require the guidance of an experienced team of advisors — a team who not only understands your diverse needs, but has access to customized programs that can be properly utilized to provide you with strategies.
At Borealis Wealth Management Group at Morgan Stanley, we focus on what is most important to you and provide the skills, sophisticated strategies and world-class resources needed to make informed, confident decisions about your life, your family and your finances.
We use a goals-based investment approach that measures success by how you’re progressing toward meeting the goals most important to you. It enables you to stay flexible and proactive in managing your portfolio and identifies ways to help improve your results by either altering saving and spending behaviors or changing strategies. Ultimately, goals-based investing empowers you to be more confident in your investment decisions.
At Borealis Wealth Management Group at Morgan Stanley, we focus on what is most important to you and provide the skills, sophisticated strategies and world-class resources needed to make informed, confident decisions about your life, your family and your finances.
We use a goals-based investment approach that measures success by how you’re progressing toward meeting the goals most important to you. It enables you to stay flexible and proactive in managing your portfolio and identifies ways to help improve your results by either altering saving and spending behaviors or changing strategies. Ultimately, goals-based investing empowers you to be more confident in your investment decisions.
Services Include
- Wealth PlanningFootnote1
- Retirement PlanningFootnote2
- Business Succession PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Cash Management and Lending ProductsFootnote5
- Alternative InvestmentsFootnote6
- Life InsuranceFootnote7
- Long-term Care InsuranceFootnote8
- Planning for Education FundingFootnote9
- Trust ServicesFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Services For Life And Legacy
Using our experience dealing with the wealthy families allows us to leverage the abundant resources within Morgan Stanley to meet the varied and complex needs of our clients. Here are some of the ways in which we work with our clients and their famalies over time to meeth their individual goals.
Financial Planning
•Goals analysis
•Budgeting and cash flow
•Legacy Planning
•Liability management
•Transitional events
•Budgeting and cash flow
•Legacy Planning
•Liability management
•Transitional events
Wealth Planning
•Review of wills, trusts and other documents
•Coordinate with attorney and accountant
•Gifting strategies
•Charitable planning
•Family governance and dynamics
•Need for trusts
•Coordinate with attorney and accountant
•Gifting strategies
•Charitable planning
•Family governance and dynamics
•Need for trusts
Retirement Planning
•Determine sources of income
•Review social security, pension and retirement accounts
•Analyze sequence of withdrawals
•Healthcare costs, coverage and long-term care insurance
•Review social security, pension and retirement accounts
•Analyze sequence of withdrawals
•Healthcare costs, coverage and long-term care insurance
Investment Management
•Asset allocation
•Investment selection
•Risk Management
•Tax efficient strategies
•Overlay of economic and market cycles
•Passive and active management
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
•Investment selection
•Risk Management
•Tax efficient strategies
•Overlay of economic and market cycles
•Passive and active management
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Corporate Executive Planning
•Benefits and incentive compensation analysis
•Stock options
•Concentrated stock planning
•Monetization strategies
•Stock options
•Concentrated stock planning
•Monetization strategies
Business Owner Planning
•Entity structures
•Buy/sell agreements
•Key man policies
•Succession or exit planning
•Benefits assessment
•Buy/sell agreements
•Key man policies
•Succession or exit planning
•Benefits assessment
A Financial Plan 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- Intellegent 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.
Learn More Here
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 Nowintegrated 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.
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.
Learn More Hereyou 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.
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
Start Using The Tool TodaySpending and Budgeting tool. These tools help advisors
monitor client cash flows across both internal and
external accounts. It also tracks spending patterns and
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 Heresignificant 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.
Relocating to Florida?
Two of our very own advisors has successfully transitioned from New Jersey residents to becoming a permanent Florida resident. We're here to provide financial guidance and connect you with local professionals as needed to facilitate your transition.
The advantage to becoming a full time Florida resident go beyond the lovely weather and vibrant community. Contact our Florida Advisors Mike or Fred and we will be happy to assist you!
- Financial Planning
- Cash Management and Lending Solutions
- Financial Documents and Relationships
- More to discuss
Valuable Tools and Resources
Our team is committed to providing with important information about managing your wealth in today's fast pace environment. Learn more abbot our online platforms and take a look at our latest resources that focus on insights in the market.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online Today
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Learn More
529 Education Savings Plans
529 plans offer a flexible, tax-advantaged way to invest for education expenses while helping to improve estate planning. Gain fiduciary oversight of your education funding strategy within the context of your broader portfolio through the exclusive Morgan Stanley National Advisory 529 Plan.
529 Plan Options at Morgan Stanley
Donor Advised Funds (DAF)
A solution that may help you execute planned giving, offer an efficient way to donate complex and illiquid assets, and simplify charitable giving reporting while potentially mitigating taxes. Bring philanthropy into your wealth plan and help amplify the impact of your giving through the Morgan Stanley Global Impact Funding Trust (MS GIFT).
MS GIFT
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk Platform
Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
Morgan Stanley Alternative Investments
Capital Markets
An integrated organization across fixed income, equities, and structured investments leveraging the thought leadership of Morgan Stanley Research and dedicated product specialists to identify key investment opportunities to help enhance the growth potential of diversified portfolios.
A $695 Annual Engagement Bonus
For eligible Platinum CashPlus brokerage account clients with The Platinum Card® from American Express, exclusively for Morgan Stanley. Certain Morgan Stanley Debit Cardholders may also qualify. Terms apply.
Click Here to Learn MoreLocation
340 Mount Kemble Avenue
Morristown, NJ 07960
US
Meet Borealis Wealth Management
Michael Graziano, CFP®
Senior Vice President, Financial Advisor
Phone:
(973) 993-5257(973) 993-5257
Phone:
(973) 993-5258(973) 993-5258
Kevin Pierce, CFP®
Financial Advisor
Phone:
(973) 993-5211(973) 993-5211
Barbara Coyne
Senior Client Service Associate
Phone:
(973) 993-5243(973) 993-5243
Juliana Trovato
Wealth Management Associate
Phone:
(973) 993-5241(973) 993-5241
About Frederick Pierce
Fred’s focus is helping business owners and corporate executives plan for their lifetime financial goals. This is facilitated by developing strong and long-lasting goals with his clients. Truly understanding most important issues, allows our team to provide targeted solutions and to adapt to the changes life brings.
Previously, Fred worked as a bond trader and as a CPA® (Currently non-practicing) before becoming a wealth manager. He joined the industry in 1995, working for Smith Barney, which later became Morgan Stanley. In 2012, he joined UBS until coming to Morgan Stanley in 2021.
Fred received a Bachelor of Science degree from Lehigh University in Bethlehem, PA, where he has a double major in accounting and finance. He is a Chartered Financial Analyst ® and a Certified Financial Planner®.
Fred is devoted to his community, having served on various boards, and supported several worthy causes. Currently, he is a board member at Tri-County Scholarship Fund, which provides elementary and high school scholarships for inner city children. Fred and his wife, Cathy have two adult children Kevin and Ashley. They reside in Naples, FL and summer in Sea Girt, NJ.
Morgan Stanley Smith Barney LLC. Member SIPC.
CRC 6047421 10/23
Previously, Fred worked as a bond trader and as a CPA® (Currently non-practicing) before becoming a wealth manager. He joined the industry in 1995, working for Smith Barney, which later became Morgan Stanley. In 2012, he joined UBS until coming to Morgan Stanley in 2021.
Fred received a Bachelor of Science degree from Lehigh University in Bethlehem, PA, where he has a double major in accounting and finance. He is a Chartered Financial Analyst ® and a Certified Financial Planner®.
Fred is devoted to his community, having served on various boards, and supported several worthy causes. Currently, he is a board member at Tri-County Scholarship Fund, which provides elementary and high school scholarships for inner city children. Fred and his wife, Cathy have two adult children Kevin and Ashley. They reside in Naples, FL and summer in Sea Girt, NJ.
Morgan Stanley Smith Barney LLC. Member SIPC.
CRC 6047421 10/23
Securities Agent: CO, PA, FL, CT, DC, VA, MI, ME, LA, IA, OR, NV, NH, AZ, VT, WA, NJ, IL, NY, MA, CA, SD, RI, UT, TX, MD, DE, SC, NM, NC, GA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 2245745
NMLS#: 2245745
About Michael Graziano
Michael began his career in 1986 at E.F. Hutton, where his focus was working with business owners, engineers, and pharma executives. From there, he was at Smith Barney for 20 years and UBS for 13 years, before joining Morgan Stanley in 2021. He has helped clients manage their wealth throughout good times and bad. With his clients, he emphasizes asset allocation and total portfolio management with a focus on retirement income planning. He also helps them with educational funding, structures for charitable giving and estate planning strategies. He is FINRA registered and holds the following licenses: National Commodity Futures (Series 3), General Securities Representative (Series 7), General Securities Sales Supervisor (Series 9/10), Uniform Securities Agent State Law (Series 63), Uniform Investment Advisor Law (Series 65) and Life and Health insurance. He is also a Certified Financial Planner professional.
Mike received his bachelor's degree in Management from the University of Scranton. He and his wife have six children and reside between Naples, Florida and Morristown, NJ. In his free time, he enjoys golf and surfing.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
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 matters involving trusts, estate planning, charitable giving, philanthropic planning or other legal matters.
Morgan Stanley Smith Barney LLC. Member SIPC.
CRC 6047421 10/23
Mike received his bachelor's degree in Management from the University of Scranton. He and his wife have six children and reside between Naples, Florida and Morristown, NJ. In his free time, he enjoys golf and surfing.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
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 matters involving trusts, estate planning, charitable giving, philanthropic planning or other legal matters.
Morgan Stanley Smith Barney LLC. Member SIPC.
CRC 6047421 10/23
Securities Agent: OR, DE, RI, NV, MI, MT, CA, AZ, PA, NJ, NH, ME, WA, MD, VA, VT, NY, LA, IL, FL, DC, NM, MA, IA, GA, CT, TX, SC, NC; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 2241395
NMLS#: 2241395
About Jayme Califano
Jayme began his Wealth Management career in 2004, driven by his passion for building and developing deep, long-standing relationships with each client. The foundation of his advice begins with a conversation and a financial plan. Through thoughtful conversations and a focus on their entire financial picture, Jayme leverages the vast resources of the firm to help clients achieve their goals. A wealth management relationship includes discovering all aspects of clients' financial affairs – from financial and estate planning strategies to investment and liability management, to tax planning strategies, to philanthropy and wealth transition. Prior roles in management have allowed him to work with many Financial Advisors, coaching them on the global resources of the firm and providing clients a holistic wealth management experience. Since joining the Borealis Wealth Management Group in 2019, he has provided many different wealth management solutions and approaches to meet the needs of our clients.
Jayme graduated high school from Montclair Kimberley Academy in 1997. He then received his Bachelor's degree from Lafayette College in Easton, PA in 2001. Jayme and his wife, Elizabeth reside in Bernardsville, NJ and have two young children, son Holden and daughter Maren. In his spare time, Jayme enjoys golf and all outdoor activities with his family.
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 matters involving trusts, estate planning, charitable giving, philanthropic planning or other legal matters.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC. Member SIPC.
CRC 6047421 10/23
Jayme graduated high school from Montclair Kimberley Academy in 1997. He then received his Bachelor's degree from Lafayette College in Easton, PA in 2001. Jayme and his wife, Elizabeth reside in Bernardsville, NJ and have two young children, son Holden and daughter Maren. In his spare time, Jayme enjoys golf and all outdoor activities with his family.
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 matters involving trusts, estate planning, charitable giving, philanthropic planning or other legal matters.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC. Member SIPC.
CRC 6047421 10/23
Securities Agent: CA, MI, DC, PA, OK, MD, CO, NJ, IA, GA, TX, NC, LA, RI, OR, MA, AZ, VT, SC, ME, FL, DE, IL, NV, NH, WA, NY, NM, CT, VA; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 2256769
NMLS#: 2256769
About Kevin Pierce
NMLS #2691010
Securities Agent: VT, SC, NH, MI, TX, TN, MA, LA, CT, PA, NV, NJ, IL, OR, ME, UT, RI, AZ, VA, NM, GA, DE, WA, SD, NY, MD, FL, DC, NC, IA, CO, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 2691010
NMLS#: 2691010
About Barbara Coyne
Barbara has worked in the financial services industry since 2000 and has been with Borealis Wealth Management since its inception. She is an integral member of the team, leading the effort in operations and administration. Barbara focuses on client service and ensuring a positive client experience. Keeping up with the latest technology, facilitating communication exchanges, organizing the team’s calendar, and scheduling client appointments are just a few of her responsibilities. She currently holds Series 7, 31, 63 and 66 securities licenses, and is licensed in life and health insurance.
Barbara recently married her longtime partner Jack, and they reside in Clifton. In her spare time, she enjoys traveling, gardening and spending time with her family.
Barbara recently married her longtime partner Jack, and they reside in Clifton. In her spare time, she enjoys traveling, gardening and spending time with her family.
CA, CO, CT, DE, FL, GA, IL, LA, MD, ME, MI, MA, NC, NH, NJ, NM, NV, NY, OR, PA, RI, SC, TN, TX,, VA, VT, WA; Securities Agent, General Securities Representative
About Juliana Trovato
Prior to entering the financial services industry, Juliana developed her management skills in the hospitality industry. Leveraging an organized approach with detailed planning and foresight, the ability to multi-task, and strong relationship building skills, she excelled in the fast-paced environment of restaurant and bar management.
Juliana joined the team in 2010 at Smith Barney. Bringing an educational background in finance and math, and personal interest in helping others has only served to anchor her role with the Borealis Wealth Management team. She handles all of the team's marketing and general communications and assists with financial planning for new and existing clients. She is also extremely helpful in acquainting client’s to the firm’s online services. Lastly, she lends her exceptional organizational and administrative skills to support any other day-to-day tasks as needed.
Juliana received a Bachelor of Science degree in finance from the University of North Carolina at Wilmington. She holds her Series 7, 66, and 31 securities licenses.
Juliana is married to her childhood friend, Andrew and they have a young daughter, Layla. In her spare time, she enjoys spending time with her family and barre and yoga classes.
Juliana joined the team in 2010 at Smith Barney. Bringing an educational background in finance and math, and personal interest in helping others has only served to anchor her role with the Borealis Wealth Management team. She handles all of the team's marketing and general communications and assists with financial planning for new and existing clients. She is also extremely helpful in acquainting client’s to the firm’s online services. Lastly, she lends her exceptional organizational and administrative skills to support any other day-to-day tasks as needed.
Juliana received a Bachelor of Science degree in finance from the University of North Carolina at Wilmington. She holds her Series 7, 66, and 31 securities licenses.
Juliana is married to her childhood friend, Andrew and they have a young daughter, Layla. In her spare time, she enjoys spending time with her family and barre and yoga classes.
Contact Frederick Pierce
Contact Michael Graziano
Contact Jayme Califano
Contact Kevin Pierce
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
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 Borealis Wealth Management 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 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.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley 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 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.
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
6Alternative 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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
1Morgan 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.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley 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 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.
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
6Alternative 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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.
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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)