Chris Beal, CRPC®
Executive Director, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(757) 597-9624(757) 597-9624
The Beal Beaulieu Toone Group at Morgan Stanley
Direct:
(804) 780-3390(804) 780-3390
Our Mission Statement
A planning based approach to customized investment and financial strategies
Welcome
As the financial world becomes more complex and your personal wealth grows, careful planning and tailored advice are even more important as you pursue your goals. Professional wealth management can help remove the emotional stress created by trying to manage your wealth alone.
The Beal Beaulieu Toone Group at Morgan Stanley is a multi-office team with locations in Richmond and Newport News, Virginia. Our team’s advice is backed by advanced technology, extensive research, exceptional insight and institutional scale, offered in conjunction with the world class resources of Morgan Stanley. We help serve your financial needs through personalized portfolio management, long term financial plans, unbiased investment strategies, guidance on critical financial decisions, as well as retirement and estate planning strategies. We commit to fine-tuning your financial plan over time to reflect new priorities in your life and changes in the financial markets. We provide customized updates and timely reviews in order to make sure you remain informed and on track to achieve your goals.
The team deeply values the personal relationships with you, our clients, while also putting your best interests first. Ultimately, our objective is to put you in a financial position that allows you to live life the way you choose while also having trust and confidence in how your wealth is being managed.
The Beal Beaulieu Toone Group at Morgan Stanley is a multi-office team with locations in Richmond and Newport News, Virginia. Our team’s advice is backed by advanced technology, extensive research, exceptional insight and institutional scale, offered in conjunction with the world class resources of Morgan Stanley. We help serve your financial needs through personalized portfolio management, long term financial plans, unbiased investment strategies, guidance on critical financial decisions, as well as retirement and estate planning strategies. We commit to fine-tuning your financial plan over time to reflect new priorities in your life and changes in the financial markets. We provide customized updates and timely reviews in order to make sure you remain informed and on track to achieve your goals.
The team deeply values the personal relationships with you, our clients, while also putting your best interests first. Ultimately, our objective is to put you in a financial position that allows you to live life the way you choose while also having trust and confidence in how your wealth is being managed.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
OUR PROCESS
Understanding your whole financial picture allows us to develop a purposeful financial plan that aligns with your values and investment objectives. With a strong plan in place, we can work together to implement the proper strategies to help reach your unique financial goals.
1. Introduction
• Understand your current financial picture and concerns
• Explain how we work closely with you and your family
• Discuss the importance of a financial plan and the information needed to develop a tailored, comprehensive path forward
• Explain how we work closely with you and your family
• Discuss the importance of a financial plan and the information needed to develop a tailored, comprehensive path forward
2. Discovery
• Learn about your personal, professional, and financial situation
• Identify the values that shape your decisions
• Uncover any challenges unique to you
• Define your priorities
• Identify the values that shape your decisions
• Uncover any challenges unique to you
• Define your priorities
3. Analysis & Assessment
• Evaluate your current and future financial situation
• Utilize a variety of financial planning and risk assessment tools to run personalized projections
• Identify opportunities in all aspects of your financial life
• Utilize a variety of financial planning and risk assessment tools to run personalized projections
• Identify opportunities in all aspects of your financial life
4. Develop Your Financial Plan
• Prepare your personalized financial plan - with diversification and asset allocation strategies unique to you
• Present your plan - with a focus on the next steps and establishing timelines
• Openly discuss costs - emphasizing how we select investments to minimize fees and taxes
• Present your plan - with a focus on the next steps and establishing timelines
• Openly discuss costs - emphasizing how we select investments to minimize fees and taxes
5. Implementation
• Upon approval, begin to put the plan into motion
• Finalize other wealth management strategies that may include risk management techniques and estate planning solutions
• Keep you informed at each stage
• Finalize other wealth management strategies that may include risk management techniques and estate planning solutions
• Keep you informed at each stage
6. Ongoing Support
• Continue to check with you to review status and track progress toward your goals
• Set up tools to provide convenient access to your accounts
• Apply rigorous due diligence process to evaluate investment performance
• Discuss changes in your life, adjusting your plan and portfolio accordingly
• Set up tools to provide convenient access to your accounts
• Apply rigorous due diligence process to evaluate investment performance
• Discuss changes in your life, adjusting your plan and portfolio accordingly
WHO WE WORK WITH
Our clients are primarily successful professionals, business owners, executives, families and institutions: some of whom are at the height of their careers, some of whom are approaching retirement, and all of whom are our first priority. We take great pride in the fact that our clients come to us not only for investment assistance, but guidance on virtually all financial matters. We are often asked to meet with children or grandchildren so they can better understand the responsibilities that come with the wealth they will inherit someday. And when we do not have all the answers, we can draw upon the extensive resources of Morgan Stanley, one of the world’s most respected financial services firms.
Business Owners
We play an important role in helping business owners manage their finances and make strategic decisions. We can provide guidance on topics such as cash flow management, investment strategies, risk management, and tax planning strategies. We can help business owners navigate complex financial regulations and provide advice on financial issues that may arise during the life cycle of the business. By working with us, business owners can make informed decisions and better position their business for long-term success.
Families
Helping families navigate complex financial decisions and develop a plan to achieve their financial goals is something we pride ourselves on. We will provide guidance on topics such as debt management, retirement planning, investment strategies, tax planning, and estate planning strategies. Our team helps families navigate major life events such as marriage, divorce, and the birth or adoption of children. By working with us families can make informed decisions and better position themselves for long-term financial stability and success.
Working Professionals
Understanding your goals is an important part of our relationship. We provide valuable guidance to working professionals in developing a comprehensive financial plan to achieve your short - and long-term goals. As a team we offer advice on topics such as budgeting, debt management, retirement planning, investment strategies, and tax planning strategies. We help you navigate major life changes such as starting a family, buying a home, or changing careers. Our goal is to help you make informed decisions and take control of your financial future.
Next-Gen Clients
Working with Next-Gen clients involves understanding your unique financial goals, values, and challenges. Next Gen clients are often more technologically savvy and value transparency and personalized services. Therefore, we adapt to their preferences, leverage technology to enhance your services, and communicate effectively to build strong relationships and trust with this generation of clients.
Intergenerational Wealth Planning
Highly-skilled accountants and estate attorneys are vital to constructing sound wealth-transfer plans, but sometimes it is the matters these experts cannot address that pose the greatest challenges. Each family is unique of course. That said, many families do share common stresses and concerns that can foster conflict.
Institutions
We provide valuable experience to institutions such as corporations, non-profit organizations, and government agencies. Offering advice on topics such as investment management, risk management, financial reporting, and employee benefits. We will help you navigate complex financial regulations and provide guidance on major financial decisions such as mergers and acquisitions, initial public offerings, and debt offerings.
DESIGNATIONS
Certified Financial Planner® (CFP®)
The CFP® certification process, administered by CFP Board, identifies to the public that those individuals who have been authorized to use the CFP® certification marks in the U.S. have met rigorous professional standards and have agreed to adhere to the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence when dealing with clients.
Chartered Financial Analyst (CFA®)
A Chartered Financial Analyst (CFA®) charter is a designation administered by the CFA Institute given to those who pass the rigorous examination process which allows one to gain analytical skills and expertise in quantitative methods, economics, financial reporting, investment analysis, and portfolio management.
Chartered Retirement Planning Counselor℠ (CRPC®)
The Chartered Retirement Planning Counselor designation is offered through the College for Financial Planning. The CRPC designation enables an experienced advisor to provide assistance and advice for the pre- and post-retirement needs of individuals.
Family Wealth Director (FWD)
The Family Wealth Director designation is awarded to Morgan Stanley Financial Advisors who focus on addressing the complex needs of high-net-worth and ultra-high-net-worth individuals and families. Advisors with this designation are supported by advanced education and specialized resources intended to help coordinate sophisticated wealth planning across key areas, including investment strategy, family governance considerations, trust and estate planning coordination, tax-aware planning approaches, lending and liquidity strategies, business succession planning, and philanthropic goals.
INVESTOR RESOURCES
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901 East Byrd Street
Suite 2000
Richmond, VA 23219
US
Direct:
(804) 780-3390(804) 780-3390
Fax:
(804) 381-4294(804) 381-4294
701 Town Center Drive
Suite 902
Newport News, VA 23606
US
Direct:
(757) 597-9618(757) 597-9618
Meet The Beal Beaulieu Toone Group
Kelsey Beaulieu, CFP®
Executive Director, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Family Wealth Director
Phone:
(804) 780-3390(804) 780-3390
Brendan Toone, CFA
Senior Vice President, Financial Advisor, Senior Portfolio Manager
Phone:
(804) 644-1118(804) 644-1118
Anne Bouley
Portfolio Associate
Phone:
(804) 644-1104(804) 644-1104
Olivia Barr
Registered Client Service Associate
Phone:
(757) 597-9642(757) 597-9642
About Chris Beal
Chris Beal is a Financial Advisor with Senior Vice President and Senior Portfolio Manager titles at Morgan Stanley. Chris began his career as a Financial Advisor in 2002 with Merrill Lynch and transitioned to Morgan Stanley in 2017. At Merrill Lynch Chris was a Senior Financial Advisor and also served as a trainer for new hires.
Chris received a Bachelor of Arts Degree in Managerial Economics from Hampden-Sydney College. Additionally, Chris has earned the Chartered Retirement Planning Designation (CRPC®) to better assist his clients with the comprehensive needs of retirement and preretirement.
Chris lives in Poquoson, VA with his wife and two children. He enjoys boating, fishing, and spending time outdoors. He is active in the community and is on the Board of Trustees for James River Association which is based in Richmond.
Chris received a Bachelor of Arts Degree in Managerial Economics from Hampden-Sydney College. Additionally, Chris has earned the Chartered Retirement Planning Designation (CRPC®) to better assist his clients with the comprehensive needs of retirement and preretirement.
Chris lives in Poquoson, VA with his wife and two children. He enjoys boating, fishing, and spending time outdoors. He is active in the community and is on the Board of Trustees for James River Association which is based in Richmond.
Securities Agent: SC, MO, KY, DE, VA, TN, MS, MD, MA, GA, DC, AL, WI, WA, UT, OR, NJ, NC, IN, IL, AZ, VT, AR, AK, WV, CT, CO, CA, MT, TX, OH, NH, MI, OK, NY, NV, RI, PA, LA, FL; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 638756
NMLS#: 638756
About Kelsey Beaulieu
Kelsey is dedicated to helping professionals, retirees and multi-generational families solve their financial challenges. Focusing on financial planning, Kelsey’s comprehensive approach includes a thorough planning process and a commitment to providing an exceptional client experience.
A graduate of Rhodes College with a major in Economics, Kelsey began her financial services career in 2010 at Davenport & Company, LLC, where she focused on annuity products and 529 plans. Two years later, she joined Scott & Stringfellow for the opportunity to work in the firm’s Financial Planning Department and Mutual Fund Department. She joined Morgan Stanley in 2014 as a member of the management team.
Raised in Wayne, Pennsylvania, Kelsey currently lives in Richmond, Virginia with her husband, Elliott. She is a member of The Woman’s Club of Richmond and the LPGA Amateur Golf Association and volunteers at the Virginia Food Bank (FeedMore). A sports enthusiast, Kelsey was the captain of the varsity tennis team while attending Rhodes College. In her spare time, she enjoys playing golf and bike riding. She also loves spending time at one of her favorite local spots, the Virginia Museum of Fine Arts.
A graduate of Rhodes College with a major in Economics, Kelsey began her financial services career in 2010 at Davenport & Company, LLC, where she focused on annuity products and 529 plans. Two years later, she joined Scott & Stringfellow for the opportunity to work in the firm’s Financial Planning Department and Mutual Fund Department. She joined Morgan Stanley in 2014 as a member of the management team.
Raised in Wayne, Pennsylvania, Kelsey currently lives in Richmond, Virginia with her husband, Elliott. She is a member of The Woman’s Club of Richmond and the LPGA Amateur Golf Association and volunteers at the Virginia Food Bank (FeedMore). A sports enthusiast, Kelsey was the captain of the varsity tennis team while attending Rhodes College. In her spare time, she enjoys playing golf and bike riding. She also loves spending time at one of her favorite local spots, the Virginia Museum of Fine Arts.
Securities Agent: MA, LA, TX, NH, NC, FL, AK, WV, WA, IA, DE, DC, OR, CO, OK, MS, AZ, AL, TN, VT, SC, OH, NY, NJ, KY, IN, RI, PA, IL, WI, MI, CT, MT, VA, NV, MO, GA, CA, UT, MD; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1409247
NMLS#: 1409247
About Brendan Toone
Brendan is a Financial Advisor and Senior Portfolio Manager with Morgan Stanley and has been in the financial industry since 2006. His primary duties on the team include investment analysis, portfolio construction, and general oversight of the investment platform as it pertains to our client investments.
Prior to joining Morgan Stanley, Brendan was a Financial Advisor and Senior Portfolio Analyst at Merrill Lynch, where he worked alongside Chris and Gina. Before joining Merrill Lynch, Brendan was a Senior Hedge Fund Associate at Private Advisors, where he conducted due diligence on Hedge Fund managers.
Brendan received a Bachelor of Arts Degree in International Relations with a focus on Economics/Business and a minor in Accounting from Randolph-Macon College. He is a CFA (Chartered Financial Analyst) Charterholder and a member of the CFA Society of Virginia.
Brendan resides in Midlothian, VA with his wife Jessica and two daughters, Lydia and Maura. He enjoys playing golf, staying active outdoors, and spending time with his family and friends.
Prior to joining Morgan Stanley, Brendan was a Financial Advisor and Senior Portfolio Analyst at Merrill Lynch, where he worked alongside Chris and Gina. Before joining Merrill Lynch, Brendan was a Senior Hedge Fund Associate at Private Advisors, where he conducted due diligence on Hedge Fund managers.
Brendan received a Bachelor of Arts Degree in International Relations with a focus on Economics/Business and a minor in Accounting from Randolph-Macon College. He is a CFA (Chartered Financial Analyst) Charterholder and a member of the CFA Society of Virginia.
Brendan resides in Midlothian, VA with his wife Jessica and two daughters, Lydia and Maura. He enjoys playing golf, staying active outdoors, and spending time with his family and friends.
Securities Agent: WA, NV, NH, KY, IL, AK, WI, VA, OH, AR, MD, LA, GA, FL, CO, SC, MS, DC, DE, UT, NC, IN, MT, VT, TX, NY, NJ, MA, WV, RI, CA, AL, TN, MI, CT, PA, OR, OK, MO, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 1592781
NMLS#: 1592781
About Anne Bouley
Anne is a Portfolio Associate and began her career with the predecessor firm of Morgan Stanley in 1985. After spending five years in our Roanoke, Virginia office as Operations Manager, she returned to Richmond to help Bob build his team. Anne's multifaceted duties include assuring a high level of quality client service and coordinating the team's overall day to day operation. She is a graduate of Virginia Tech in Blacksburg, Virginia where she holds a Bachelor of Science Degree. Anne's extensive knowledge helps her provide personal comprehensive assistance and she welcomes the opportunity to serve our clients and their families.
Anne and her husband, Mike, live in Quinton, Virginia with their two rescue dogs. She is the mother of an adult daughter and has two grandchildren as well. When not working, Anne enjoys quilting, music and jewelry making.
Anne and her husband, Mike, live in Quinton, Virginia with their two rescue dogs. She is the mother of an adult daughter and has two grandchildren as well. When not working, Anne enjoys quilting, music and jewelry making.
Contact Chris Beal
Contact Kelsey Beaulieu
Contact Brendan Toone
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
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- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
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- Traditional Investments
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Iran Conflict: Seven Takeaways for Investors
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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
529 Plans: A Powerful Tool to Save for Education
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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
Ready to start a conversation? Contact The Beal Beaulieu Toone Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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.
5Alternative 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.
6Morgan 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.
7When 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.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan Stanley 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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.
5Alternative 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.
6Morgan 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.
7When 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.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
