Sebastien D Djavadi
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Manager, Alternative Investments Director, Family Wealth Director, Senior Investment Management Consultant
Phone:
(310) 319-5270(310) 319-5270
Bunker Hill Group at Morgan Stanley
Direct:
(310) 319-5270(310) 319-5270
Our Mission Statement
Building enduring relationships and delivering a unique, highly-personalized wealth advisory experience
Welcome
Living life to its fullest potential. This is the vision that fuels not only our perspective, but also our practice and our purpose as trusted advisors.
Our Unique Perspective and Approach
We are a seasoned team of financial professionals who help our clients build, grow and preserve their wealth so they, too, can live their lives to the fullest. The experience we bring to bear extends beyond our financial knowledge to include our educated views of the world we live and invest in.
Though we come from very different backgrounds, we have the same goals and values and share a passion for understanding and exploring what the capital markets have to offer. Like you, we are experienced professionals who have worked diligently to practice and perfect our craft. Even after working together for over a decade, we still push each other to learn something new every day.
Serving a broad, diverse and international group of clients, we invest considerable time in expanding our horizons. We travel extensively, evaluating prospective investments within their native environments and incorporating those ideas into the opportunities we present to our clients. We also go one step further, taking advantage of market cycles and investor behavior in bear markets to unlock value.
Your Wealth Management Experience
We understand the many facets of wealth, as well as the complexity that comes with success. As your trusted advisors, we help you understand your entire financial picture and connect you to the resources, experts and solutions you need. Our goal is to assist you in developing and executing a customized wealth management strategy that enables you to pursue your passion and achieve your aspirations, wherever they make take you.
Our Unique Perspective and Approach
We are a seasoned team of financial professionals who help our clients build, grow and preserve their wealth so they, too, can live their lives to the fullest. The experience we bring to bear extends beyond our financial knowledge to include our educated views of the world we live and invest in.
Though we come from very different backgrounds, we have the same goals and values and share a passion for understanding and exploring what the capital markets have to offer. Like you, we are experienced professionals who have worked diligently to practice and perfect our craft. Even after working together for over a decade, we still push each other to learn something new every day.
Serving a broad, diverse and international group of clients, we invest considerable time in expanding our horizons. We travel extensively, evaluating prospective investments within their native environments and incorporating those ideas into the opportunities we present to our clients. We also go one step further, taking advantage of market cycles and investor behavior in bear markets to unlock value.
Your Wealth Management Experience
We understand the many facets of wealth, as well as the complexity that comes with success. As your trusted advisors, we help you understand your entire financial picture and connect you to the resources, experts and solutions you need. Our goal is to assist you in developing and executing a customized wealth management strategy that enables you to pursue your passion and achieve your aspirations, wherever they make take you.
Services Include
- Alternative InvestmentsFootnote1
- Asset Management
- Fixed IncomeFootnote2
- Retirement PlanningFootnote3
- Qualified Retirement PlansFootnote4
- Business Succession PlanningFootnote5
- Cash ManagementFootnote6
- Foreign ExchangeFootnote7
- Art AdvisoryFootnote8
- 401(k) Rollovers
- 529 PlansFootnote9
- AnnuitiesFootnote10
- Life InsuranceFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
We believe in bespoke relationships that are tailored to each client’s unique circumstances and goals. Our success is built upon a disciplined, detailed process that enables us to understand and interpret your objectives, and then recommend strategies to help you achieve them.
Goals Planning System
Discover
Your needs and goals are critical components of our advisory relationship. Your financial future begins with a conversation about you, your family, your business, your finances, your previous investment experiences and your goals. Understanding your priorities and preferences is key for customizing a plan that helps maximize your opportunities and minimize your risks.
Plan
Once we understand your full financial picture, we develop a personalized plan that addresses not only your investment needs, but also other facets of your financial life, from cash management, personal and business lending, and investment banking to estate planning strategies and engaging the next generation.
Execute
Upon your approval of the plan, we utilize our extensive networks and the full resources of Morgan Stanley to put your plan in motion. Once invested, we work with you to help eliminate pitfalls by managing the emotional and cognitive investor errors that are common during the extremes of capital markets euphoria and panic. We also help you identify and seize potential capital market opportunities as they emerge.
Monitor
We proactively, carefully and continually monitor your progress. As your life unfolds, and as capital markets conditions and your portfolio evolve, we will recommend adjustments that help keep you on pace to achieve your stated goals.
Family Wealth Resources
Both Sebastien and Jason hold the Family Wealth Director designation. These established financial advisors are given to those who have extensive experience working with the ultra-high net worth families, and who have undergone specialized training. Family wealth directors have direct access to an extensive range of resources needed to help highly affluent families manage the complex, multigenerational challenges of managing significant wealth.
Our Family Wealth Capabilities
A family wealth director (FWD) is a rare distinction, earned by less than 4% of Morgan Stanley financial advisors as of Feb 2021. FWDs have an integrated approach including family issues, wealth transfer asset protection and location, and business succession planning. Learn more by clicking the link below
Introduction Video
Legacy and Estate Planning Strategies
We engage with our Executive Planning Director and Wealth Planning Center to provide a fully integrated, comprehensive analysis of your balance sheet, estate plan, and investment strategy through a collaborative process-at your request we will coordinate with your legal tax advisors as well.
Tax trust and estate planning overview
Family governance and wealth education
The family wealth Governance and Wealth Education group assists ultra-high net families in addressing sensitive family issues, facilitating communication, managing conflict and achieving a shared sense of common direction in coordination with clients outside advisors.
Learn more about family wealth education
Philanthropic Management
We can provide strategic advisory solutions that can help achieve philanthropic goals. Whether you are a family developing a philanthropic and mission statements, a corporate foundation struggling with grantee identification and impact evaluation or a nonprofit who needs fundraising strategy consulting, we are here.
Charitable giving overview
Lifestyle Advisory
Bespoke solutions and access to knowledgeable, highly personal third party providers to help meet your exceptional needs from every day to extraordinary. We can connect you to travel and concierge services, or help plan for your child's college education.
Access to Cash Management and Lending
Access comprehensive cash management and lending solutions available to complement your investment strategy. We advise on matter like access to cash management, securities based lending, residential mortgage loans and tailored lending solutions
Investor Resources
We are leveraged by Morgan Stanley's vast range of investor tools and resources. Below you will find just a few of the services we can connect you to, as well as our teams newsletter and custom content that we think you may find useful.
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Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our award winning tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth Management
Investment Advisory
Manage your investments within a holistic advisory relationship and take advantage of integrated tax, risk management and estate planning benefits across your entire wealth strategy—backed by leading insights and one of the financial industry's most comprehensive, multi-award-winning advisory platforms.
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Idea-driven portfolios that turn innovative trends, themes and insights into powerful investments across asset classes and market sectors with access to third-party and proprietary investment selections based on industry-leading research from across the full scale and global reach of the firm.
Morgan Stanley UITs
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
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Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
Visit our Security CenterLocation
100 Wilshire Blvd
Ste 1900
Santa Monica, CA 90401
US
Direct:
(310) 319-5270(310) 319-5270
Meet Bunker Hill Group
Jason Berlinger
Senior Vice President, Wealth Management, Financial Advisor, Alternative Investments Director, Portfolio Manager, Family Wealth Director
Phone:
(310) 319-5271(310) 319-5271
Benny Blackwell
Consulting Group Analyst
Phone:
(310) 319-5222(310) 319-5222
Ladan Mirzai
Senior Client Service Associate
Phone:
(310) 319-5219(310) 319-5219
About Sebastien D Djavadi
Sebastien Djavadi
Senior Vice President
Financial Advisor
Family Wealth Director
Alternative Investments Director
Senior Investment Management Consultant
Portfolio Manager
Having worked in the financial services industry since 1993, Sebastien draws on his extensive knowledge and the broadly diversified platform of Morgan Stanley to build individualized investment portfolios. He employs traditional stock and bond managed strategies, along with alternative investment strategies that include private equity, private credit, real estate, hedge fund and specialized commodity fund strategies. Sebastien brings a disciplined, long-term approach to investing and focuses on diversification and the selection of high quality securities.
Beyond investments, Sebastien delivers comprehensive wealth management solutions, as well as Morgan Stanley’s bulge bracket investment banking services, mid-market global investment banking partners and commercial banking resources.
A big believer in education, Sebastien seizes every opportunity to expand his knowledge for the benefit of Bunker Hill Group’s clients. He earned his Certified Investment Management Analyst® certification from The Wharton School at the University of Pennsylvania. He has also earned his Alternative Investment Director and Family Wealth Director designations.
Sebastien joined Morgan Stanley in 1993. He graduated cum laude from the University of California, Los Angeles (UCLA) with a B.A. in economics.
Sebastien came to the U.S. as a teenager, and lived in Colorado before moving to California, where he now lives with his wife and three children. A global citizen, Sebastien travels extensively and speaks fluent French and Farsi. He is an active member of the community and is involved with a number of charities. In his spare time, he enjoys hiking, skiing, cooking, photography, art, reading and watching his son play water polo and his wife ride dressage.
Senior Vice President
Financial Advisor
Family Wealth Director
Alternative Investments Director
Senior Investment Management Consultant
Portfolio Manager
Having worked in the financial services industry since 1993, Sebastien draws on his extensive knowledge and the broadly diversified platform of Morgan Stanley to build individualized investment portfolios. He employs traditional stock and bond managed strategies, along with alternative investment strategies that include private equity, private credit, real estate, hedge fund and specialized commodity fund strategies. Sebastien brings a disciplined, long-term approach to investing and focuses on diversification and the selection of high quality securities.
Beyond investments, Sebastien delivers comprehensive wealth management solutions, as well as Morgan Stanley’s bulge bracket investment banking services, mid-market global investment banking partners and commercial banking resources.
A big believer in education, Sebastien seizes every opportunity to expand his knowledge for the benefit of Bunker Hill Group’s clients. He earned his Certified Investment Management Analyst® certification from The Wharton School at the University of Pennsylvania. He has also earned his Alternative Investment Director and Family Wealth Director designations.
Sebastien joined Morgan Stanley in 1993. He graduated cum laude from the University of California, Los Angeles (UCLA) with a B.A. in economics.
Sebastien came to the U.S. as a teenager, and lived in Colorado before moving to California, where he now lives with his wife and three children. A global citizen, Sebastien travels extensively and speaks fluent French and Farsi. He is an active member of the community and is involved with a number of charities. In his spare time, he enjoys hiking, skiing, cooking, photography, art, reading and watching his son play water polo and his wife ride dressage.
Securities Agent: WA, IL, VA, CA, HI, CO, NM, MI, NC, IN, SC, OR, LA, AZ, UT, NV, FL, DC, TX, NJ, NY; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1265232
CA Insurance License #: 0664928
NMLS#: 1265232
CA Insurance License #: 0664928
About Jason Berlinger
Jason Berlinger
Senior Vice President
Financial Advisor
Family Wealth Director
Alternative Investments Director
Portfolio Manager
Since joining the financial services industry in 1999, Jason has been providing wealth management solutions to highly successful individuals and families, and working with small institutional clients to service their liquidity and capital market needs. He focuses on fixed income and alternative investments and enjoys helping clients explore the full range of possibilities for growing and preserving their hard-earned wealth.
Jason holds a Family Wealth Director designation through Morgan Stanley’s Institute of Family Wealth Management. This designation is granted to a select group of Financial Advisors who have successfully completed a rigorous accreditation program focused on the skills required for comprehensive multigenerational wealth management. It also entitles Jason and his clients exclusive access to variety of sophisticated family advisory services.
Prior to joining Morgan Stanley in 2006, Jason was a Managing Director at Bear Stearns. Before that, he was an Associate in the Private Banking Group of UBS Warburg and a member of the Real Estate Private Equity Team at Deutsche Bank in London, where he gained valuable training and exposure to investment banking. Jason began his career as a Senior Accountant providing tax, audit and consulting services for Ernst & Young.
Jason earned his MBA with honors in finance from the University of Southern California. He received his B.A. in economics and accountant from the University of California, Los Angeles, and is a Certified Public Accountant.
Jason lives in Manhattan Beach, California, with his wife and two sons. He is an active supporter of the Juvenile Diabetes Research Foundation and a member of the Orange County Museum of Art Contemporaries. When he’s not helping clients, Jason enjoy surfing, stand up paddle boarding and the outdoors.
Senior Vice President
Financial Advisor
Family Wealth Director
Alternative Investments Director
Portfolio Manager
Since joining the financial services industry in 1999, Jason has been providing wealth management solutions to highly successful individuals and families, and working with small institutional clients to service their liquidity and capital market needs. He focuses on fixed income and alternative investments and enjoys helping clients explore the full range of possibilities for growing and preserving their hard-earned wealth.
Jason holds a Family Wealth Director designation through Morgan Stanley’s Institute of Family Wealth Management. This designation is granted to a select group of Financial Advisors who have successfully completed a rigorous accreditation program focused on the skills required for comprehensive multigenerational wealth management. It also entitles Jason and his clients exclusive access to variety of sophisticated family advisory services.
Prior to joining Morgan Stanley in 2006, Jason was a Managing Director at Bear Stearns. Before that, he was an Associate in the Private Banking Group of UBS Warburg and a member of the Real Estate Private Equity Team at Deutsche Bank in London, where he gained valuable training and exposure to investment banking. Jason began his career as a Senior Accountant providing tax, audit and consulting services for Ernst & Young.
Jason earned his MBA with honors in finance from the University of Southern California. He received his B.A. in economics and accountant from the University of California, Los Angeles, and is a Certified Public Accountant.
Jason lives in Manhattan Beach, California, with his wife and two sons. He is an active supporter of the Juvenile Diabetes Research Foundation and a member of the Orange County Museum of Art Contemporaries. When he’s not helping clients, Jason enjoy surfing, stand up paddle boarding and the outdoors.
Securities Agent: TX, LA, WA, MI, CA, SC, UT, OR, NJ, IN, DC, CO, AZ, HI, NV, FL, NM, IL, NY, VA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1274483
CA Insurance License #: 0F58246
NMLS#: 1274483
CA Insurance License #: 0F58246
Contact Sebastien D Djavadi
Contact Jason Berlinger
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?
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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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Ready to start a conversation? Contact Bunker Hill Group today.
1Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
2Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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 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.
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
7GlobalCurrency is available to clients of Morgan Stanley Smith Barney LLC with an eligible brokerage account. Before undertaking foreign exchange transactions, clients should understand the associated risks.
Engaging in foreign currency transactions entails more varied risks than normally associated with transactions in the domestic securities markets. Attention should be paid to market, credit, sovereign, and liquidity risks. The foreign exchange transactions and deposits discussed in this material may not be appropriate for all clients. The appropriateness of a particular investment or strategy depends upon a client’s particular circumstances and objectives. This material does not provide individually tailored investment advice.
8Products 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 does not assist with buying or selling art in any way and merely provides information to clients interested learning more about the different types of art markets at a high level. Any client interested in buying or selling art should consult with their own independent art advisor.
9Investors 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.
10Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
2Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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 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.
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
7GlobalCurrency is available to clients of Morgan Stanley Smith Barney LLC with an eligible brokerage account. Before undertaking foreign exchange transactions, clients should understand the associated risks.
Engaging in foreign currency transactions entails more varied risks than normally associated with transactions in the domestic securities markets. Attention should be paid to market, credit, sovereign, and liquidity risks. The foreign exchange transactions and deposits discussed in this material may not be appropriate for all clients. The appropriateness of a particular investment or strategy depends upon a client’s particular circumstances and objectives. This material does not provide individually tailored investment advice.
8Products 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 does not assist with buying or selling art in any way and merely provides information to clients interested learning more about the different types of art markets at a high level. Any client interested in buying or selling art should consult with their own independent art advisor.
9Investors 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.
10Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
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Awards Disclosures
CRC 6491812 (04/2024)
