Sam Mohebi
Associate Private Banker
Brian Higashi, CFP®, CPM®
First Vice President,
Financial Advisor,
Alternative Investments Director
Direct:
(650) 496-4242(650) 496-4242
My Mission Statement
Our mission is to provide our clients with unwavering integrity, trust and dedicated personal service to help you achieve your goals.
About Me
As a CERTIFIED FINANCIAL PLANNER™ practitioner, I work with families and individuals to deliver comprehensive solutions that align with their goals. With the majority of my clients creating their wealth through concentrated equity compensation, I leverage disciplined diversification strategies and portfolio planning and implementation to mitigate risk.
Within the group, I am responsible for investment research, portfolio management, and business development. I also manage the group’s executive compensation strategies such as stock option analysis and 10b5-1 plans.
I graduated from Chapman University with a B.S. in Business Administration. I currently live in Redwood City with my wife Jamie and in my spare time, I enjoy playing tennis and golf.
Within the group, I am responsible for investment research, portfolio management, and business development. I also manage the group’s executive compensation strategies such as stock option analysis and 10b5-1 plans.
I graduated from Chapman University with a B.S. in Business Administration. I currently live in Redwood City with my wife Jamie and in my spare time, I enjoy playing tennis and golf.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Planning for Education FundingFootnote4
- Estate Planning StrategiesFootnote5
- Philanthropic ManagementFootnote6
- 401(k) Rollovers
- Trust AccountsFootnote7
- Sustainable InvestingFootnote8
- Life InsuranceFootnote9
- Cash Management and Lending ProductsFootnote10
Securities Agent: TX, WI, OR, MD, IL, ID, AL, WA, UT, SC, OH, NJ, MA, NY, MI, IN, CT, CO, TN, NV, AZ, NM, AR, WY, NH, FL, CA, NC, VA; General Securities Representative; Investment Advisor Representative
NMLS#: 1569127
CA Insurance License #: 0J00516
NMLS#: 1569127
CA Insurance License #: 0J00516
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
OUR CLIENTS UNDERSTAND THAT DECISIONS THEY MAKE AROUND COMPANY STOCK AND OPTIONS ARE SOME OF THE MOST CONSQUENTIAL THEY'LL FACE IN THEIR FINANCIAL LIFE
You may be asking yourself:
-How well do I understand my equity compensation and the many strategies that exist to maximize its value?
-Am I being as smart as my managers and coworkers with my equity compensation? Should I be making different choices based on my specific situation?
-How do I turn my company equity into something that I can enjoy?
-Can I afford to leave my company, and how should I plan for that?
-What is the Alternative Minimum Tax?
-How well do I understand my equity compensation and the many strategies that exist to maximize its value?
-Am I being as smart as my managers and coworkers with my equity compensation? Should I be making different choices based on my specific situation?
-How do I turn my company equity into something that I can enjoy?
-Can I afford to leave my company, and how should I plan for that?
-What is the Alternative Minimum Tax?
How Can We Help?
Understanding how your stock or option plan works is the first step. We will work with you and your specific goals, whether they are diversification, charitable giving, tax management, or just simply having enough cash to live on while you plan a safe exit. With access to proprietary risk management, asset allocation, and equity award analytics, we will help you make the best decisions so you can maximize this incredibly valuable asset.
Morgan Stanley Stock and Option Analytics Sample 2022Why Us?
We are part of a select and highly trained group of Morgan Stanley advisors who have access to tools to solve these complex issues, and we are confident that we can help you plan for whatever life may throw your way.
Tax Efficient Strategies
Here at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. Our goal is to provide our clients with as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The link below gives more information on Morgan Stanley's Total Tax 365, Tax-Efficient Investing, Tax Strategies for Retirement, Tax-Smart Giving, Tax Rates & Dates, and much more.
Tax Efficient Investing & PlanningThe CFP® Professional
Individuals certified by the CFP® Board have taken the extra step to demonstrate commitment and professionalism by voluntarily submitting to the rigorous CFP® certification process that includes demanding education, examination, experience, and ethical requirements. These four cornerstones set the foundation for the CFP® professional's ability in helping clients achieve their goals. I can and will help you achieve your financial dreams and aspirations. See below for more information about the CFP® designation and our abilities in financial planning.
Education
The CFP® professional must develop theoretical and practical financial planning knowledge by completing 2 to 3 years of comprehensive coursework at an institution of higher learning approved by the CFP® Board. Once obtaining the CFP® trademark, their education does not stop, as continued and ongoing education is an essential part of the CFP® process.
Examination
The CFP® professional must develop theoretical and practical financial planning knowledge by completing 2 to 3 years of comprehensive coursework at an institution of higher learning approved by the CFP® Board. Once obtaining the CFP® trademark, their education does not stop, as continued and ongoing education is an essential part of the CFP® process.
Experience
All CFP® professionals are required to complete several years of experience related to financial planning services prior to earning the right to use the CFP® trademarks.
Ethics
The CFP® professional is obligated to uphold the principals of integrity, objectivity, competence, confidentiality, professionalism, and diligence as outlined in the CFP® Board's Code of Ethics. The Rules of Conduct require the CFP® professional to the put the client's interest first at all times.
Financial Planning Capabilities
Regardless of where you are in your life - moving ahead in your career, enjoying retirement, thinking about planning for your retirement, buying a house, or anything in between - we are here for you, and can help you plan for your financial future.
Using a suite of proprietary tools that includes goal-specific analysis, we will work with you to create a realistic, bespoke strategy that integrates the various financial aspects of your life, including investments and any cash management needs.
Thus creating a personal roadmap for you to achieve and protect both your short-term and long-term goals.
As Morgan Stanley financial advisors and Certified Financial Planners CFP®, we focus on six key areas of financial planning for you, and thoroughly review all of them on an ongoing basis to maintain our risk levels and targets.
Using a suite of proprietary tools that includes goal-specific analysis, we will work with you to create a realistic, bespoke strategy that integrates the various financial aspects of your life, including investments and any cash management needs.
Thus creating a personal roadmap for you to achieve and protect both your short-term and long-term goals.
As Morgan Stanley financial advisors and Certified Financial Planners CFP®, we focus on six key areas of financial planning for you, and thoroughly review all of them on an ongoing basis to maintain our risk levels and targets.
Retirement
Leading up to and throughout retirement, we identify the most appropriate ways to obtain the income you need to help ensure that you achieve and maintain your desired lifestyle.
Cash Flow and Savings
Whether you want to build an emergency fund, buy a home, start a family, or simply plan for retirement. We will help you find the best way to save and invest as you strive for your financial goals.
Managing Investments
There is no secret formula for making and managing investments, with a simple, methodical, and in-depth approach, we are able to get a comprehensive understanding of your financial situation. We manage your retirement accounts and other investments to help ensure that they are within your risk levels.
Manage Debt
We thoroughly review your mortgage, credit cards, auto loans, and any other debt you may have in order to determine where you can save on interest. The we determine a comprehensive schedule to find the best way to pay off that debt so you can live your life with no overhang.
Estate Planning Strategies
Regardless of your current financial situation, it is always crucial to have a backup plan for your assets in case something happens to you. We regularly review this with you and your attorney to help ensure that your needs are met.
Insurance
We take a intensive look at your financial profile to decipher what type(s) of insurance may best suit your needs and if your current insurance policy is right for you.
College Planning
No matter how old your child is, planning for their college can be stressful and worrisome. However, we can help you open the right accounts and begin planning for your child's upper education in a simple way that can help you be excited about their future.
Sustainable Investing not only for ourselves but future generations as well
What that specifically means can vary between people. When we work together, we talk about the values and the impact you want to make with your money and your life. A major portion of how we create that impact is done through sustainable and ESG investments.
Why Sustainable Investing?
When many think about the future, they think about two very different outcomes. On one hand, they think about how technology will empower us to harness highly scarce resources more than we could ever dream; transforming healthcare, lifting millions out of poverty, and powering the planet without burning any fossil fuels. While on the other hand, others think about the almost impossible task of feeding 10 billion people and the immense drain that will have on almost all of our resources, infrastructure, economic disparities, and how it will deepen the already dangerous problems of climate change.
If protecting the planet while simultaneously investing for your own future and your children's is important to you, then ESG Investing is something that you should consider, and we can help you along the way.
The global challenges we face in the coming decades pose critically important questions not only for our entire society, but also for each of us as individuals. For our clients - we will help you make these considerations about where you want your money invested and where you want the future to go.
Why Sustainable Investing?
When many think about the future, they think about two very different outcomes. On one hand, they think about how technology will empower us to harness highly scarce resources more than we could ever dream; transforming healthcare, lifting millions out of poverty, and powering the planet without burning any fossil fuels. While on the other hand, others think about the almost impossible task of feeding 10 billion people and the immense drain that will have on almost all of our resources, infrastructure, economic disparities, and how it will deepen the already dangerous problems of climate change.
If protecting the planet while simultaneously investing for your own future and your children's is important to you, then ESG Investing is something that you should consider, and we can help you along the way.
The global challenges we face in the coming decades pose critically important questions not only for our entire society, but also for each of us as individuals. For our clients - we will help you make these considerations about where you want your money invested and where you want the future to go.
Broad Based Sustainability
Exposure to companies from all sectors and industry groups that reflect the best environmental practices relative to their industry peers, invest in companies with sustainable practices, including efficient natural gas resource use and efforts to reduce greenhouse gas emissions.
Climate Action
Investments in companies with products and services targeting key sustainability goals and climate solutions. Focus on investable themes that seek to improve climate change mitigation and/or adaptive solutions.
Fossil Fuel Awareness
Eliminate or reduce exposure to companies producing coal, oil, and nuclear energy or owning significant fossil fuel reserves or bottom environmental performers.
Gender Lens
Avoid exposure to companies with poor gender diversity records while seeking companies with leading gender diversity records, including strong policies and programs, and diverse boards of directors and senior managers.
Improving Lives
Investments focused on enterprises that deliver positive impact such as alleviating poverty and promoting community development.
Inclusive Workspace
Focus on companies or funds seeking to create an inclusive workspace through channels such as workplace equity, access to capital, and work/life balance programs.
Client Service Team
Susannah O'Toole - Vice President, Wealth Management Associate
Phone:
(650) 496-4248(650) 496-4248
Email:susannah.otoole@morganstanley.com
Susannah joined our team in 2007 and has 20 years' experience in the financial services industry. She loves the challenge of this industry – its constantly changing, advancing and she is drawn to its fast pace and the certainty there is always something new to learn.
Susannah focuses on providing support in implementing the teams financial strategies and building personal relationships with the clients and their extended families. She works with the team on business development, relationship management, portfolio review preparation, day to day operational management and helps drive the teams initiatives. She works hard to build your trust and takes great pride in providing you with dedicated personal service to help you achieve your goals.
Susannah lives in San Jose with her husband Dan and kids. She loves the beach, yoga and road trips.
Susannah focuses on providing support in implementing the teams financial strategies and building personal relationships with the clients and their extended families. She works with the team on business development, relationship management, portfolio review preparation, day to day operational management and helps drive the teams initiatives. She works hard to build your trust and takes great pride in providing you with dedicated personal service to help you achieve your goals.
Susannah lives in San Jose with her husband Dan and kids. She loves the beach, yoga and road trips.
CA Insurance License #: 4120370
Location
245 Lytton Ave.
200
Palo Alto, CA 94301
US
Direct:
(650) 496-4242(650) 496-4242
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
About Sam Mohebi
Sam Mohebi is an Associate Private Banker serving Morgan Stanley Wealth Management offices in California.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Sam began his career in financial services in 2009 and joined Morgan Stanley in 2022 as an Associate Private Banker. Prior to joining the firm, he was a Licensed Banker at JP Morgan Securities. He also served as a Brokerage Associate at Wells Fargo Advisors.
Sam is a graduate of Azad University, where he received a Bachelors in Civil Engineering. He lives in Campbell, California with his family. Outside of the office, Sam enjoys hiking, as well as playing tennis and golf.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Sam began his career in financial services in 2009 and joined Morgan Stanley in 2022 as an Associate Private Banker. Prior to joining the firm, he was a Licensed Banker at JP Morgan Securities. He also served as a Brokerage Associate at Wells Fargo Advisors.
Sam is a graduate of Azad University, where he received a Bachelors in Civil Engineering. He lives in Campbell, California with his family. Outside of the office, Sam enjoys hiking, as well as playing tennis and golf.
NMLS#: 1616449
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Brian Higashi today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to individuals who successfully complete CFP Board's initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When 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.
4When 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.
5Morgan 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.
6Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
7Morgan 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.
8Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Morgan 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
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When 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.
4When 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.
5Morgan 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.
6Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
7Morgan 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.
8Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Morgan 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
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
CRC 4665150 (8/2025)
