Benjamin A Lanphar
Executive Director, Branch Manager, Senior Investment Management Consultant, Alternative Investments Director
Bridgecrest Group at Morgan Stanley
Direct:
(360) 992-8060(360) 992-8060
Toll-Free:
(800) 755-2516(800) 755-2516
Our Mission Statement
Through customized financial planning and portfolio management, The Bridgecrest Group helps families build, preserve, and transfer their wealth effectively.
Welcome
- As your Financial Advisors, we aim to go above and beyond simply providing you with sound investment advice. We want to be there when you reach the goals that matter most. Here at the Bridgecrest Group, we take the time to thoroughly understand your financial needs and then align the resources needed to help you meet or exceed them. We have conversations beyond just asset allocation strategies and get to know the details of your life. Working together, we can help you preserve and grow your wealth and help bring your family financial wellness.
- Whether your goals are centered around estate planning, business succession, retirement, education, and more, we can help set you on the right path for success. Not only are you getting advisors who have experience that span more than a decade, you will have access to the tools, resources, and research of one of the largest financial firms in the world.
- Our offices are located in Vancouver, WA. We are proud of the level of service that we provide for our clients. We are here when you need us and we hope to provide that same level of advice and experience to you.
Services Include
- Wealth PlanningFootnote1
- Estate Planning StrategiesFootnote2
- Philanthropic ManagementFootnote3
- Professional Portfolio ManagementFootnote4
- Business Succession PlanningFootnote5
- Cash Management and Lending ProductsFootnote6
- Life InsuranceFootnote7
- Long-term Care InsuranceFootnote8
- Endowments and FoundationsFootnote9
- Sustainable InvestingFootnote10
- Alternative InvestmentsFootnote11
- CommoditiesFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Retirement Navigation Process
If you and your family were having a discussion three years from today, and you were to look back over those three years to today, what has to have happened, both personally and professionally, for you to feel happy about your progress?
Step 1: Assets
Your assets may include, 401(K), 403(b), 457 plans, lump sum pensions, real estate, investment accounts, bank accounts, stock options, stock purchase plans, and business assets.
Step 2: Liabilities
In general, we advise our clients to be debt free in retirement. Before you retire, it's important to examine all your liabilities.
Step 3: Income
In retirement, you'll likely need to generate enough income to maintain your current lifestyle. You may have multiple sources of fixed income including pension payments and Social Security. You may also have other sources of fixed income as well during retirement.
Step 4: Expenses
Knowing what your expenses will be in retirement is critical. During the accumulation years of your life, savings rates are the key to success. During retirement however, withdrawal rates matter the most.
Step 5: Risk Management
It's important to make sure your plan has the proper guardrails to keep you and your family on track.
Step 6: Estate Planning Strategies
As you approach retirement, it's important to make sure your estate planning strategy is aligned with your investment and financial plans.
Step 7: Assembling Your Team
Before and during retirement, it's important your personal tax advisor, personal estate planning attorney, and financial advisor communicate regularly and operate as a virtual team on your behalf. Your virtual team should meet with you and your family at least annually.
Step 8: Continued Monitoring
Approaching and during retirement, it's important to check up on your investment and financial plans to make sure they are on track.
INDIVIDUAL PLANS FOR INDIVIDUALS LIKE YOU:
Goals you set today will evolve over time. Our process is designed to evolve with them - and with the changing circumstances of your life. Holistic in its approach, our planning process will encompass virtually all the elements of your financial and personal life, seeking to make sure they align with your current and future goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, our team can help you take charge of your financial future and achieve your goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, our team can help you take charge of your financial future and achieve your goals.
Certified Investment Management Analyst® (CIMA®)
Certified Investment Management Analyst® (CIMA®) certification is the peak international, technical portfolio construction program for investment consultants, analysts, financial advisors and wealth management professionals.
Tyler holds this designation.
Tyler holds this designation.
Chartered Retirement Plans Specialist® (CRPS®)
The Chartered Retirement Plans Specialist® (CRPS®) designation enables financial advisors and other professionals to demonstrate their knowledge in administering retirement plans for businesses and wholesale clients.
Tyler holds this designation
Tyler holds this designation
LifeView®
LifeView is a suite of planning tools that includes goal-specific analysis that Financial Advisors can use with clients to create a realistic, holistic strategy that integrates the various aspects of an individual’s financial life, including investments and cash management needs.
Basic and Advanced Estate Planning Strategies
Take a look at this factsheet on estate planning strategies, which illustrates a variety of forms of gifting and the tax consequences behind them.
View the Basic and Advanced Estate Planning Factsheet
Portfolio Risk Tool
The Portfolio Risk Platform integrates the leading risk analytics engine into Morgan Stanley Wealth Management’s platform to help improve the quality, transparency, and efficiency of the end to end risk management processes for the Firm and our Clients.
Click Here to Learn More
Certified Financial Planner™
The CFP® certification process includes rigorous education, examination, experience, and ethical requirements. These four cornerstones set the foundation for the CFP® professional’s ability in helping clients achieve their goals.
Michael holds this certification.
Michael holds this certification.
Workplace Advisor - Equity Compensation
The Workplace Advisor - Equity Compensation designation qualifies financial advisors to understand how to transform Equity Compensation and Executive Benefits into comprehensive, goals-based wealth management solutions. This enables them to help you align your equity compensation strategy with your broader financial goals.
Learn MoreVALUABLE TOOLS AND RESOURCES:
Our comprehensive suite of digital tools are designed to help enhance virtually every aspect of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Morgan Stanley Online (MSO)
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Learn More About eDelivery
Cybersecurity
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Cybersecurity
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors.
Learn More About Digital Vault
2025 Tax Tables
Here are the tax tables for 2025 to assist with your investment decisions and planning.
2025 Tax TablesLocation
1701 SE Columbia River Dr
Ste 120
Vancouver, WA 98661
US
Direct:
(360) 992-8060(360) 992-8060
Toll-Free:
(800) 755-2516(800) 755-2516
Meet Bridgecrest Group
Tyler Church, CIMA®, CRPS®
First Vice President, Financial Advisor, Alternative Investments Director
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Johnna Chesley
Portfolio Associate
Phone:
(360) 992-8060(360) 992-8060
About Benjamin A Lanphar
For over 20 years, I have been helping families reach their financial goals.
Oftentimes, as I grew up in Vancouver, Washington, my grandfather and I would watch his favorite show together, “The Nightly Business Report.” Realizing that I liked the show's content, my grandfather cultivated my interest. His tutelage culminated in a trip to see his financial advisor when I was ten years old. It was at that meeting that I took my tiny savings and procured my first stock. Thus began a lifelong interest in the inner workings of the financial markets.
I opened a wealth management practice at a financial advisory firm in Gresham, Oregon in January of 2000. As a Financial Advisor, the core tenet of my practice is to go beyond simply providing sound investment advice. The right investments matter, yes. But a great financial plan does not come solely from knowing investments; it comes from knowing you. My clients and I often have conversations you might not expect from a Financial Advisor, having less to do with the details of asset allocation strategy and more to do with the details of your life. By getting to know you, I can develop a wealth management strategy aimed at helping you grow and preserve your wealth.
Over time, my business has grown. Needing the ability to do more for my clients, I moved my practice to Morgan Stanley in the fall of 2007. My clients now have access to the tools, resources, and research of one of the largest financial firms in the world.
I have twin 14-year-olds who keep most of our free time occupied. When I do get a free moment, I enjoy fishing the Northwest’s rivers, cooking for family and friends, and music.
Oftentimes, as I grew up in Vancouver, Washington, my grandfather and I would watch his favorite show together, “The Nightly Business Report.” Realizing that I liked the show's content, my grandfather cultivated my interest. His tutelage culminated in a trip to see his financial advisor when I was ten years old. It was at that meeting that I took my tiny savings and procured my first stock. Thus began a lifelong interest in the inner workings of the financial markets.
I opened a wealth management practice at a financial advisory firm in Gresham, Oregon in January of 2000. As a Financial Advisor, the core tenet of my practice is to go beyond simply providing sound investment advice. The right investments matter, yes. But a great financial plan does not come solely from knowing investments; it comes from knowing you. My clients and I often have conversations you might not expect from a Financial Advisor, having less to do with the details of asset allocation strategy and more to do with the details of your life. By getting to know you, I can develop a wealth management strategy aimed at helping you grow and preserve your wealth.
Over time, my business has grown. Needing the ability to do more for my clients, I moved my practice to Morgan Stanley in the fall of 2007. My clients now have access to the tools, resources, and research of one of the largest financial firms in the world.
I have twin 14-year-olds who keep most of our free time occupied. When I do get a free moment, I enjoy fishing the Northwest’s rivers, cooking for family and friends, and music.
Securities Agent: NE, WA, OR, SC, UT, ME, MS, ID, WY, WV, WI, VT, VI, VA, TX, TN, SD, RI, PR, PA, OK, OH, NY, NV, NM, NJ, NH, ND, NC, MT, MO, MN, MI, MD, MA, LA, KY, KS, IN, IL, IA, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AR, AL, AK; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1312660
NMLS#: 1312660
About Tyler Church
Tyler Church is a Financial Advisor who works with high net worth families to help them achieve their financial goals and objectives. He believes that success is best achieved by looking at a client’s full financial picture. Tyler has worked in the financial industry for over 13 years. He has earned membership into the Pacesetter’s Club.
Tyler holds a BA in Business Administration and an MBA from Eastern Oregon University. As a member of the Investment and Wealth Institute, he holds the Certified Investment Management Analyst (CIMA®) designation. He also holds the Chartered Retirement Plans Specialist (CRPS®) designation awarded by the College of Financial Planning.
When Tyler is not assisting his clients, he enjoys spending time with his wife and kids, traveling and spectating sporting events.
Tyler holds a BA in Business Administration and an MBA from Eastern Oregon University. As a member of the Investment and Wealth Institute, he holds the Certified Investment Management Analyst (CIMA®) designation. He also holds the Chartered Retirement Plans Specialist (CRPS®) designation awarded by the College of Financial Planning.
When Tyler is not assisting his clients, he enjoys spending time with his wife and kids, traveling and spectating sporting events.
Securities Agent: AZ, CO, NV, NM, MT, MA, WA, UT, MO, WY, OR, NY, MS, ID, HI, CA, AK, NC, VA, RI, IN, TX, KY, GA, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1528200
NMLS#: 1528200
About Michael Bruce Julian
Michael B Julian is a Senior Vice President and Senior Portfolio Manager. He has nearly 30 years of experience in personal wealth management. He holds a Certified Financial Planner designation from American College. He has been with Morgan Stanley since 1993.
Michael knew he wanted to be a financial advisor while attending High School. However, believing someone would have to be born into money or from New York, he pursued a different direction: Electronics Technician and Nuclear Power Reactor Operator in the US Navy. After serving 8 years in the Navy, he accepted a job at a local nuclear power plant that was shut-down shortly after he started. Michael decided to make the transition to Financial Advisor and has never looked back on his decision.
Michael loves working with people and earning their trust each and every day. He is a big believer in the firm’s core values of acting with integrity to deliver first‐class business in a first‐class way. Transparency and education are cornerstones of his practice. He utilizes a comprehensive wealth management process to develop actionable plans tailored to individual situations. To ensure clients are comfortable with his approach, Michael takes the necessary time to educate and explain their program’s details. He also believes it is best to be an open book. His goal is to listen to people and try to give them the answers to questions they do not know to ask.
Michael is the owner of a local movie theatre and restaurant in his community. During non-working hours, he has spent time as the President and Board Member of several organizations, while also volunteering his time at schools and with youth sport programs. He has been married for over 30 years and is a father of twins. He enjoys camping, hiking, and visiting with friends in his spare time.
Michael knew he wanted to be a financial advisor while attending High School. However, believing someone would have to be born into money or from New York, he pursued a different direction: Electronics Technician and Nuclear Power Reactor Operator in the US Navy. After serving 8 years in the Navy, he accepted a job at a local nuclear power plant that was shut-down shortly after he started. Michael decided to make the transition to Financial Advisor and has never looked back on his decision.
Michael loves working with people and earning their trust each and every day. He is a big believer in the firm’s core values of acting with integrity to deliver first‐class business in a first‐class way. Transparency and education are cornerstones of his practice. He utilizes a comprehensive wealth management process to develop actionable plans tailored to individual situations. To ensure clients are comfortable with his approach, Michael takes the necessary time to educate and explain their program’s details. He also believes it is best to be an open book. His goal is to listen to people and try to give them the answers to questions they do not know to ask.
Michael is the owner of a local movie theatre and restaurant in his community. During non-working hours, he has spent time as the President and Board Member of several organizations, while also volunteering his time at schools and with youth sport programs. He has been married for over 30 years and is a father of twins. He enjoys camping, hiking, and visiting with friends in his spare time.
Securities Agent: IN, NY, GA, CO, VA, OR, MT, MA, KY, AZ, TX, NC, WA, RI, FL, MO, ID, CA, AK, UT, NV, NM, HI, MS, WY; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1332033
NMLS#: 1332033
About Spencer French, MBA
Spencer French has over fifteen years of experience in the banking and finance industries. As a Financial Advisor, he can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together, Spencer can help you to preserve and grow your wealth.
Spencer holds a BA in history and literature from Reed College, an MBA with emphasis in finance from Marylhurst University, and speaks fluent Spanish. In his spare time, Spencer enjoys hiking and fishing in the Columbia River gorge, spending time with his family, playing music, and weightlifting.
Spencer holds a BA in history and literature from Reed College, an MBA with emphasis in finance from Marylhurst University, and speaks fluent Spanish. In his spare time, Spencer enjoys hiking and fishing in the Columbia River gorge, spending time with his family, playing music, and weightlifting.
Securities Agent: MI, AR, CO, AL, NM, VA, KY, AZ, WI, MT, MN, WA, TX, NJ, NV, WY, AK, RI, NE, NC, GA, CA, MS, MD, ID, UT, MA, KS, IN, PA, NY, OR, IL, HI, FL, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 1255506
CA Insurance License #: OJ10501
NMLS#: 1255506
CA Insurance License #: OJ10501
About Johnna Chesley
Johnna is a Portfolio Associate with the Bridgecrest Group at Morgan Stanley. Johnna is responsible for various forms of operational and administrative support for both financial advisors and clients, which includes providing pertinent information for advisors, helping resolve client inquiries/requests, providing paperwork and transaction details and coordinating meetings.
"I really enjoy my role in our relationships with clients. Anticipating their needs and helping to resolve issues when they arise is probably the most rewarding part of that."
Johnna has been with Morgan Stanley since 2004. Prior to joining the firm, she was a General Manager for a 25 person service business here in Portland. She has attended multiple operations and practice management training sessions here at Morgan Stanley.
Johnna lives in Longview, WA and appreciates being close to her family and The Bridgecrest Group office.
"I really enjoy my role in our relationships with clients. Anticipating their needs and helping to resolve issues when they arise is probably the most rewarding part of that."
Johnna has been with Morgan Stanley since 2004. Prior to joining the firm, she was a General Manager for a 25 person service business here in Portland. She has attended multiple operations and practice management training sessions here at Morgan Stanley.
Johnna lives in Longview, WA and appreciates being close to her family and The Bridgecrest Group office.
Contact Benjamin A Lanphar
Contact Tyler Church
Contact Michael Bruce Julian
Contact Spencer French, MBA
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
Matthew Putterman
Planning Associate
About Matthew Putterman
Matthew Putterman is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Matthew provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Binghamton University and received the Financial Planning Specialist® designation from the College for Financial Planning. Matthew is originally from Brooklyn, NY and currently resides in Brooklyn, NY.
He earned his undergraduate degree from Binghamton University and received the Financial Planning Specialist® designation from the College for Financial Planning. Matthew is originally from Brooklyn, NY and currently resides in Brooklyn, NY.
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Bridgecrest Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley 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.
2Morgan 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.
3Products 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.
4Morgan 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.
5Morgan 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.
6Morgan 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
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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
10The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
11Alternative 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.
12Investing in commodities entails significant risks. The commodities markets may fluctuate widely based on a variety of factors including changes in supply and demand relationships; governmental programs and policies; national and international political and economic events; war and terrorist events; changes in interest and exchange rates; trading activities in commodities and related contracts; pestilence; weather; technological change; and, the price volatility of a commodity. In addition, the commodities markets are subject to temporary distortions or other disruptions due to various factors, including lack of liquidity, participation of speculators and government intervention.
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.
2Morgan 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.
3Products 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.
4Morgan 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.
5Morgan 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.
6Morgan 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
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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
10The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
11Alternative 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.
12Investing in commodities entails significant risks. The commodities markets may fluctuate widely based on a variety of factors including changes in supply and demand relationships; governmental programs and policies; national and international political and economic events; war and terrorist events; changes in interest and exchange rates; trading activities in commodities and related contracts; pestilence; weather; technological change; and, the price volatility of a commodity. In addition, the commodities markets are subject to temporary distortions or other disruptions due to various factors, including lack of liquidity, participation of speculators and government intervention.
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Awards Disclosures
CRC 6491812 (04/2024)
