Zach Myers
Registered Associate
Phone:
(610) 398-6501(610) 398-6501
Bruce M Donaghy
First Vice President,
Financial Advisor
Direct:
(610) 398-6521(610) 398-6521
Toll-Free:
(866) 922-5810(866) 922-5810
My Mission Statement
Excellence in family wealth planning for your family’s unique goals
My Story
An investment professional for more than 25 years with Morgan Stanley, Bruce works on behalf of his clients to implement wealth management and retirement strategies with the goal of helping them grow and preserve their wealth. He believes his primary function is to continually align the right financial resources with each client’s goals, combining his insight into their unique needs with the resources and perspective of the world’s largest financial firm.
Bruce is an accomplished cyclist and his ability and passion for the sport has allowed him to achieve great success. He was a member of the 1980 U.S. Olympic Team and holds six U.S. National Championship titles. Bruce competed in two World Championships (placing top 10 in both 1979 and 1980) and twice won the Rider of the Year at the Lehigh Valley Velodrome. In 2004, Bruce was inducted to the Lehigh Valley Velodrome Hall of Fame in commemoration of his lifetime accomplishments. He continues to pursue his love of cycling today, actively competing in master's criterium and road races throughout the world. Bruce also has a passion for flying; he was previously a commercial pilot and certified flight instructor, holding a commercial single and multi-engine pilot’s license. He has logged over 3,200 hours of flight time.
Outside of the office, Bruce enjoys giving back to his community. He founded the non-profit organization COBRA, serving as liaison between the U.S. Olympic Team and the U.S. Bicycling Federation and represented the U.S. Olympic Speaker’s Bureau as a keynote speaker to civic organizations. He is a former member of the Governor’s Board of St. Luke’s Hospital and was formerly a board member of the Lehigh Valley Velodrome. Featured in Bicycling Magazine, Bruce consulted with Coca Cola and Alfa Romeo to establish corporate sponsored cycling teams and also worked with Shimano and Panasonic in a joint venture to develop and evaluate racing components.
Bruce earned his bachelor’s degree in finance from DeSales University, and although a native of New Jersey, he resides in Macungie, Pennsylvania with his wife Laura.
Bruce is an accomplished cyclist and his ability and passion for the sport has allowed him to achieve great success. He was a member of the 1980 U.S. Olympic Team and holds six U.S. National Championship titles. Bruce competed in two World Championships (placing top 10 in both 1979 and 1980) and twice won the Rider of the Year at the Lehigh Valley Velodrome. In 2004, Bruce was inducted to the Lehigh Valley Velodrome Hall of Fame in commemoration of his lifetime accomplishments. He continues to pursue his love of cycling today, actively competing in master's criterium and road races throughout the world. Bruce also has a passion for flying; he was previously a commercial pilot and certified flight instructor, holding a commercial single and multi-engine pilot’s license. He has logged over 3,200 hours of flight time.
Outside of the office, Bruce enjoys giving back to his community. He founded the non-profit organization COBRA, serving as liaison between the U.S. Olympic Team and the U.S. Bicycling Federation and represented the U.S. Olympic Speaker’s Bureau as a keynote speaker to civic organizations. He is a former member of the Governor’s Board of St. Luke’s Hospital and was formerly a board member of the Lehigh Valley Velodrome. Featured in Bicycling Magazine, Bruce consulted with Coca Cola and Alfa Romeo to establish corporate sponsored cycling teams and also worked with Shimano and Panasonic in a joint venture to develop and evaluate racing components.
Bruce earned his bachelor’s degree in finance from DeSales University, and although a native of New Jersey, he resides in Macungie, Pennsylvania with his wife Laura.
Services Include
- Life InsuranceFootnote1
- Municipal BondsFootnote2
- Endowments and FoundationsFootnote3
- Asset Management
- Certificates of DepositFootnote4
- Corporate Retirement PlansFootnote5
- 529 PlansFootnote6
- Estate Planning StrategiesFootnote7
- Financial PlanningFootnote8
- 401(k) Rollovers
- AnnuitiesFootnote9
- Retirement PlanningFootnote10
- Wealth ManagementFootnote11
Securities Agent: MA, KY, KS, CO, AL, NY, CA, DE, SC, NM, LA, ME, AK, TX, NH, FL, PA, GA, WI, VA, TN, OH, MD, AZ, IL, CT, NJ, NC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1301142
NMLS#: 1301142
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Optimal Client Experience
At Morgan Stanley, there is a simple rule: Do what is right for the client. In striving to live up to this standard, Bruce establishes productive, long-term relationships with his clients based on authenticity and full-transparency. He takes the time to get to know his clients personally so he can completely understand the broad scope of their financial picture.
Bruce begins his client experience process by listening to and asking questions about your needs and aspirations. From there, he obtains an understanding of your risk tolerance and time horizon. It is part of a continuing process by which Bruce learns about you, your family and your business in order to design a flexible wealth management plan that is uniquely yours, and by which he can make the informed recommendations you require. Bruce’s client experience process is outlined below.
Bruce begins his client experience process by listening to and asking questions about your needs and aspirations. From there, he obtains an understanding of your risk tolerance and time horizon. It is part of a continuing process by which Bruce learns about you, your family and your business in order to design a flexible wealth management plan that is uniquely yours, and by which he can make the informed recommendations you require. Bruce’s client experience process is outlined below.
Discovery
- Determine your goals, wants and needs
- Listen to your values and beliefs and see how they affect your decision-making
- Identify any challenges that will need to be addressed
- Understand your risk tolerance and time horizon
- Learn about your personal and professional interests
- Listen to your values and beliefs and see how they affect your decision-making
- Identify any challenges that will need to be addressed
- Understand your risk tolerance and time horizon
- Learn about your personal and professional interests
Evaluation
- Analyze your current financial plan
- Determine the likelihood of achieving your goals
- Address potential shortcomings with your current plan
- Determine the likelihood of achieving your goals
- Address potential shortcomings with your current plan
Personalization
- Create a customized financial plan tailored specifically to your goals
- Implement precise strategies that will help you achieve your goals
- Discuss any costs/fees that are associated with your plan
- Implement precise strategies that will help you achieve your goals
- Discuss any costs/fees that are associated with your plan
Execution
- Implement your investment strategy (with your approval)
- Initiate timelines and prioritize activities when necessary
- Incorporate Morgan Stanley’s industry-leading wealth management tools into your plan
- Initiate timelines and prioritize activities when necessary
- Incorporate Morgan Stanley’s industry-leading wealth management tools into your plan
Ongoing Communication
- Track and review performance with you
- Employ due diligence when evaluating performance of your plan
- Connect with you regardless of market conditions and/or financial status
- Employ due diligence when evaluating performance of your plan
- Connect with you regardless of market conditions and/or financial status
Regular Reviews
- Plan is always “work in progress” because your life is constantly evolving
- Meet regularly to review any major changes in your life
- Evaluate overall progress towards your long-term goals
- Adapt plan when appropriate
- Meet regularly to review any major changes in your life
- Evaluate overall progress towards your long-term goals
- Adapt plan when appropriate
Communicating with You
Comprehensive and customized advice is critical to the success of Bruce’s practice. His recommendations are supported by insight, advanced technology and institutional scale that can’t be found just anywhere. Bruce employs strategies that are constructed to precisely meet his clients’ goals and aspirations. In times of prosperity and chaos, Bruce is there for his clients with thorough and candid advice.
In order to provide the best guidance possible, Bruce strives to completely understand his clients’ full financial picture. Once he has a better understanding of his clients’ needs, Bruce generates suitable, all-encompassing investment strategies that are unique to them. He constantly communicates with his clients throughout the entire relationship and as his clients’ lives progress and financial markets change, Bruce adjusts their plans accordingly.
In order to provide the best guidance possible, Bruce strives to completely understand his clients’ full financial picture. Once he has a better understanding of his clients’ needs, Bruce generates suitable, all-encompassing investment strategies that are unique to them. He constantly communicates with his clients throughout the entire relationship and as his clients’ lives progress and financial markets change, Bruce adjusts their plans accordingly.
Client Offerings
- Tax-efficient Investment Strategies
- Comprehensive Financial Solutions
- Customized Wealth Planning
Modern Wealth Tools
I offer a number of online and digital tools that are designed to enhance every aspect of your modern wealth management experience. If you would like to learn more about these tools, visit the links below each tool.
Morgan Stanley Online
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
Morgan Stanley Online Login
Click the link below to login to your Morgan Stanley Online account.
MSO Login
MSO Mobile App
The Morgan Stanley Mobile App gives you the same capabilities as Morgan Stanley Online – all from the convenience of your own phone. It also offers features to simplify your everyday finances. These include mobile check deposit and send Money with Zelle.
Download the MSO Mobile App
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 and Enroll in Total Wealth View
Online Security
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.
Our Security Resources
Goal Planning System (GPS)
Our Goals Planning System is built on Morgan Stanley's intellectual capital and capabilities, to provide you with comprehensive investing and planning solutions for your individual goals. Contact us to begin your plan today.
Learn More about GPS
eServices
Send/receive wire transfers, review your monthly statements and safely store your important documents with our suite of eServices. With eDelivery, eAuthorization, eSign and our Digital Vault you can avoid the hassle of paper and monitor your accounts from your MSO account and the MSO mobile app.
Learn More and Enroll
Digital Vault
The Digital Vault allows you to build a centralized library for all your documents using encryption.
Learn MoreMedia and Research
Here at Morgan Stanley, we strive to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future. Bruce is a firm believer of giving his clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
The History Lesson Smart Investors Need to Learn
Bullish investors may be ignoring the historical context for today’s strong corporate performance. That could be dangerous for their portfolios. Get the latest insights from Lisa Shalett, Morgan Stanley Chief Investment Officer.
Read the article here3 Investing Trends for the Long Term
Deglobalization, decarbonization and technology diffusion could provide investment opportunities in the years ahead.
Read the article hereA Rally Is Underway in Emerging Market Equities
A bull cycle has begun in emerging market equities, with China, Korea and Taiwan helping to lead a recovery from a long bear market.
Learn more hereLocation
515 West Hamilton St
7th Fl
Allentown, PA 18101
US
Direct:
(610) 398-6521(610) 398-6521
Toll-Free:
(866) 922-5810(866) 922-5810
Fax:
(610) 395-0694(610) 395-0694
Meet My Team
About Zach Myers
Zach joined the team in September 2022. He is a graduate of DeSales University, where he earned a Bachelor of Science in Finance. Zach holds the Series 7, Series 63, and Series 65 securities licenses and Life, Accident, and Health licenses. He has worked in the wealth management industry since 2015. Most recently he worked at Ameriprise Financial as a Financial Planning Analyst and a Financial Advisor. Zach enjoys spending time with his friends and family. He also enjoys weightlifting, trail running, and cycling.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
Article Image
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact Bruce M Donaghy today.
1Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
2Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
3Morgan 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.
4Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
5When 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.
6Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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.
8Morgan 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.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10When 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.
11Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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
2Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
3Morgan 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.
4Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
5When 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.
6Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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.
8Morgan 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.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10When 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.
11Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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
CRC 6491812 (04/2024)
