Cindy Snapka
Client Service Associate
Phone:
(505) 889-2805(505) 889-2805
Carlos Duque, CFP®
Vice President,
Financial Advisor,
CERTIFIED FINANCIAL PLANNER®,
Insurance Planning Director,
Financial Planning Specialist
Direct:
(505) 889-2833(505) 889-2833
My Mission Statement
Our role is to help you visualize the financial future you want for yourself and your family, and then develop a customized plan that outlines the steps to achieve it.
My Story and Services
As the financial world becomes more complex and investment choices multiply, careful planning becomes ever more important to helping you achieve your financial goals. As a CERTIFIED FINANCIAL PLANNER™, Financial Advisor, Insurance Planning Director and Financial Planning Specialist, our role is to help you visualize the financial future you want for yourself and your family, and then develop a customized plan that outlines the steps aimed to achieve it.
Together, we will explore a broad range of topics that are likely to influence your financial future — from your family situation to your career aspirations, from likely education expenses to the retirement you ultimately envision. What we learn will become the foundation for a personalized wealth management strategy that integrates the various aspects of your financial life and reflects who you are and where you want to go. Only then will we talk with you about the details of investing: how much risk makes sense, your asset allocation, and which investments are right for your portfolio.
But that’s just the beginning. Over time, we will monitor and revise your plan to reflect new aspirations and priorities, helping your plan keep pace as the markets change and your life unfolds. We are committed to being at your service, and you can count on us to be your sounding board. We are always just a call, email or text away to answer your questions or advise you on all your important financial decisions.
Together, we will explore a broad range of topics that are likely to influence your financial future — from your family situation to your career aspirations, from likely education expenses to the retirement you ultimately envision. What we learn will become the foundation for a personalized wealth management strategy that integrates the various aspects of your financial life and reflects who you are and where you want to go. Only then will we talk with you about the details of investing: how much risk makes sense, your asset allocation, and which investments are right for your portfolio.
But that’s just the beginning. Over time, we will monitor and revise your plan to reflect new aspirations and priorities, helping your plan keep pace as the markets change and your life unfolds. We are committed to being at your service, and you can count on us to be your sounding board. We are always just a call, email or text away to answer your questions or advise you on all your important financial decisions.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Professional Portfolio ManagementFootnote4
- 401(k) Rollovers
- Cash Management and Lending ProductsFootnote5
- LGBT+ Planning ServicesFootnote6
- Life InsuranceFootnote7
- Philanthropic ManagementFootnote8
- Alternative InvestmentsFootnote9
- Planning for Education FundingFootnote10
- Sustainable InvestingFootnote11
Securities Agent: TN, CO, DC, WI, SD, NY, MI, MD, MO, AZ, NC, MS, VA, UT, MN, AL, OR, MT, ID, NJ, KS, NV, FL, CT, WA, VT, TX, NE, GA, AR, SC, NM, MA, CA, WY, OK, OH, NH, ME, IL, IA; General Securities Representative; Investment Advisor Representative
NMLS#: 1393537
NMLS#: 1393537
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Experience
With more than 16 years of financial industry experience, we are firmly committed to long-term relationships and strive to deliver exceptional client service. We listen very carefully to each client’s aspirations and concerns, and based on this input, we work diligently to help them achieve their most important goals.
I have been working in the financial industry since 2005 and believe that honesty, respect and hard work are essential values in both my professional and personal life. Prior to joining Morgan Stanley in 2011, I was a financial advisor at Wells Fargo. I also worked for a top-tier accounting firm as a tax consultant. I earned my Bachelor’s degree in accounting and my post graduate degree in taxes from the renowned Panamerican University in Mexico City.
Originally from Mexico City, I was raised and lived there for 25 years before coming to New Mexico. I met my wife, Victoria, in 2001, and we have three children, Ella, Patrick and Andre. We have been living in Rio Rancho since 2009. Outside of work, I enjoy spending time with my family, training for triathlons and striving for a balanced and healthy lifestyle. I am constantly seeking challenges and motivated toward new goals. I have completed five sprint triathlons, one Olympic and my first Half Ironman in Boulder, CO in August of 2022.
I have been working in the financial industry since 2005 and believe that honesty, respect and hard work are essential values in both my professional and personal life. Prior to joining Morgan Stanley in 2011, I was a financial advisor at Wells Fargo. I also worked for a top-tier accounting firm as a tax consultant. I earned my Bachelor’s degree in accounting and my post graduate degree in taxes from the renowned Panamerican University in Mexico City.
Originally from Mexico City, I was raised and lived there for 25 years before coming to New Mexico. I met my wife, Victoria, in 2001, and we have three children, Ella, Patrick and Andre. We have been living in Rio Rancho since 2009. Outside of work, I enjoy spending time with my family, training for triathlons and striving for a balanced and healthy lifestyle. I am constantly seeking challenges and motivated toward new goals. I have completed five sprint triathlons, one Olympic and my first Half Ironman in Boulder, CO in August of 2022.
Certified Finanical Planner
Insurance Planning Director
Morgan Stanley Pacesetter
Introduction:
Our role is to help you ensure that your investment objectives are consistent with both your pressing financial concerns and your long-term aspirations. Working together, we define what is important to you and develop the solutions to help get you there. We have developed a disciplined process to help you achieve your goals.
Step 1: Getting to Know Each Other
Our relationship begins with listening to learn about who you are as a person. We meet to talk – not just about your assets, but also about your values, aspirations and vision for the future. Understanding who you are and what you hope to accomplish enables us to identify potential gaps that may exist between you and your goals, and to develop customized strategies that help maximize your likelihood of success.
Step 2: Developing your Personalized Wealth Management Strategy
Based on our discussions, we have gathered all of what matters most to you. We will work collaboratively to develop specific strategies which are tailored to your unique financial situation. Our advice may encompass issues such as retirement planning, tax minimization potential, wealth transfer and family dynamics.
Step 3: Implementing your Strategy
After we have discussed and refined your strategy, we work closely with you to bring the elements to life. We will work diligently to implement each step with the care, focus and the respect that you expect. Combining our skills and experience with the resources and intellectual capital of Morgan Stanley. Whatever approach we decide on together, our team will help you keep your strategy on track.
Step 4: Ongoing Commitment
We view ongoing communication as the foundation of our successful collaboration with you. We will be proactive, identifying areas of opportunity or concern, and staying abreast of changes with you, your family and the world. We will suggest appropriate adjustments to your strategy to help it remain aligned with your goals. Our goal is to always be a guide and resource you can turn to at any time.
NAVIGATING MAJOR LIFE EVENTS
Most major life events have financial implications. We are here to help you through them and make the right financial decisions for you and your family.
Marriage
Few events are more exciting than when you decide to align your life with the person you love. We help you plan for these milestones and guide these conversations.
Learn More >
Divorce
Divorcing a spouse can be a difficult ordeal, with repercussions that affect your emotional and financial well-being. We can help you can prepare for these difficult situations and help you to feel more in control and better equipped to make informed decisions about your financial future.
Learn More >
Widowhood
Dealing with death is never easy. Aside from coping with the loss of a loved one, legal matters also require immediate attention. That is why we help you plan ahead to ensure that your wishes and your will are followed.
Learn More >
Retirement
Saving for retirement is a lifelong process that relies on defined financial planning strategies. We help guide you through this process each step of the way toward achieving their retirement goals.
Learn More >
Elder Care
Aging can be challenging whether you are looking to develop a plan for yourself, or trying to figure out the best way to support your loved ones. Elder care may be a complicated, emotional process that is why we help keep you develop a clear plan that prioritizes the desires and preferences of the aging individual.
Learn More >
Business
From executive-level employment situations to other business ventures—from startups to established enterprises we can help you navigate the complexities of business ownership and investment and associated activities such as selling, divesting or planning for succession.
Learn More >
Birth
Welcoming a child into the family is a joyous occasion for everyone from parents and grandparents to aunts, uncles, siblings, cousins and other extended family members. Therefore, we help you and other family members plan and prepare for the financial components that a new child may introduce into your lives.
Learn More >
Education
Education is a major investment and expense that often requires years of careful, advanced planning. help you approach a variety of educational expenses, such as tuition, extension programs and advanced professional training, with appropriate funding strategies for each unique situations.
Learn More >Morgan Stanley Modern Wealth Tools, Market Commentary, & Tax Resources
Morgan Stanley's comprehensive suite of Modern Wealth Tools, Market Commentary, and Tax resources have carefully been designed to help enhance each aspect of your financial portfolio.
Morgan Stanley Online
Seamlessly and securely manage your investments and everyday finances in one place with Morgan Stanley Online (MSO) and the Morgan Stanley 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.
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
Security Center
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.
Reserved Living and Giving
Reserved Living & Giving is a complimentary loyalty program available to clients with a minimum of $1M in AUM. It can help clients save time and money on travel, gifts, automobiles and more.
The GIC Weekly
The GIC Weekly is composed of seasoned investment professionals who meet regularly to discuss the global economy and markets. The committee determines the investment outlook that guides our advice to clients.
On The Markets
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
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.
2024 Tax Tables
If you are interested in seeing the updated tax tables and other details for 2024, see all additional information below.
Location
6565 Americas Pkwy NE
Ste 400
Albuquerque, NM 87110
US
Direct:
(505) 889-2833(505) 889-2833
Meet My Team
About Cindy Snapka
I am proud to be a part of the Morgan Stanley team. I am a Client Service Associate with over 28 years of service experience. I enjoy working closely with my Financial Advisors and want to deliver a level of service that exceeds our clients’ expectations in every way. I strive to create an environment that is welcoming, accommodating, and professional.
I have lived in Albuquerque since 1987. I enjoy being with family and friends (people and animals!) My hobbies are scrapbooking, cardmaking, and exploring the local parks with my dog. I actually take my cat for a walk too or, should I say, my cat walks me! I enjoy the outdoors and would love to travel more and explore all parts of our beautiful country.
I have lived in Albuquerque since 1987. I enjoy being with family and friends (people and animals!) My hobbies are scrapbooking, cardmaking, and exploring the local parks with my dog. I actually take my cat for a walk too or, should I say, my cat walks me! I enjoy the outdoors and would love to travel more and explore all parts of our beautiful country.
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Rick Dombrowski
Private Banker
Alex Delgadillo
Financial Planning Director, Vice President
Trammel Austin
Planning Associate
About Rick Dombrowski
Rick Dombrowski is a Private Banker serving Morgan Stanley Wealth Management offices in Arizona.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Rick began his career in financial services in 1996, and joined Morgan Stanley in 2014 as a Private Banker. Prior to joining the firm, he was a Private Banker at BBVA Compass. He also served as a Credit Analyst, Private Banker and Regional Credit Manager at Wells Fargo Bank, N.A.
Rick is a graduate of Arizona State University, where he received a Bachelor of Science in Finance. He lives in Scottsdale, Arizona with his family. Outside of the office, Rick enjoys music, skiing, and traveling.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Rick began his career in financial services in 1996, and joined Morgan Stanley in 2014 as a Private Banker. Prior to joining the firm, he was a Private Banker at BBVA Compass. He also served as a Credit Analyst, Private Banker and Regional Credit Manager at Wells Fargo Bank, N.A.
Rick is a graduate of Arizona State University, where he received a Bachelor of Science in Finance. He lives in Scottsdale, Arizona with his family. Outside of the office, Rick enjoys music, skiing, and traveling.
NMLS#: 512436
About Alex Delgadillo
Alex is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Arizona and New Mexico He is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Alex began his career in financial services in 2010, and joined Morgan Stanley in 2022. Prior to his current position, he worked as a Private Client Advisor for J.P. Morgan.
Alex graduated from Arizona State University and Tecnológico de Monterrey and holds his Certified Financial Planner™ designation. Alex lives in Phoenix, Arizona with his family. Outside of work, Alex enjoys film production, stand-up comedy, and tennis. Some organizations that he supports include the Community Food Bank of Southern Arizona, Phoenix Committee on Foreign Relations, Phoenix Sister Cities, Detour Theatre Company, and Cowtown SKATE.
Alex began his career in financial services in 2010, and joined Morgan Stanley in 2022. Prior to his current position, he worked as a Private Client Advisor for J.P. Morgan.
Alex graduated from Arizona State University and Tecnológico de Monterrey and holds his Certified Financial Planner™ designation. Alex lives in Phoenix, Arizona with his family. Outside of work, Alex enjoys film production, stand-up comedy, and tennis. Some organizations that he supports include the Community Food Bank of Southern Arizona, Phoenix Committee on Foreign Relations, Phoenix Sister Cities, Detour Theatre Company, and Cowtown SKATE.
About Trammel Austin
Trammel Austin is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Trammel provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Georgia State University and received the Financial Planning Specialist® designation from the College for Financial Planning. Trammel is originally from Austin, Texas and currently resides in Alpharetta, Georgia.
He earned his undergraduate degree from Georgia State University and received the Financial Planning Specialist® designation from the College for Financial Planning. Trammel is originally from Austin, Texas and currently resides in Alpharetta, Georgia.
Wealth Management
From My Desk
JUNE NEWSLETTER 2025
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
A Simple Six-Step Retirement Checkup
Article Image
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
The Robots are Coming
Article Image
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
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
Ready to start a conversation? Contact Carlos Duque today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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 and other legal matters.
4Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
5Morgan Stanley Smith Barney LLC 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
6Morgan 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 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.
9Alternative 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
11The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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 and other legal matters.
4Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
5Morgan Stanley Smith Barney LLC 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
6Morgan 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 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.
9Alternative 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
11The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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)
