Annette Serniak, Series 7, Series 66
Sr. Registered Associate
Phone:
(914) 225-0936(914) 225-0936
Carole R Epstein, CRPC®
Senior Vice President,
Financial Advisor
Direct:
(914) 225-4859(914) 225-4859
Toll-Free:
(888) 499-8544(888) 499-8544
My Mission Statement
Providing you with personalized financial advice & retirement planning solutions to help you achieve your long-term financial goals and enjoy a comfortable retirement.
My Story and Services
I began my professional career as a programmer for the Burrough’s Corporation. My programming work led to computer systems design and ultimately to a management level position at a major NY bank auditing their computer systems and their computer code. In 1982 - at the advent of the personal computer, I opened an Apple Computer store and ran that business in various forms over the next 20 years. I knew it was important to focus on retirement savings for both myself and our employees! As such, we put in place a money purchase plan (predecessor to the 401k!) for our employees. We had the responsibility of funding and investing for our employees. This was my first real exposure to the equity and bond markets – I found both interesting and provocative!
After 20 years as a small business owner and entrepreneur – I wanted to take my skills further. As a financial advisor, I could advise clients on investing as well as the many other aspects of good financial health. This transition enabled me to use my life and business experience to become a valued resource for my clients.
I have made my practice my own – through education, financial planning, retirement planning and legacy planning. I begin by learning and understanding the values, goals and priorities of my clients. We then set out to meet these goals in a way that respects the risks they are willing to take. We define success as meeting those goal and priorities. The financial plan becomes the GPS of our voyage.
On a personal note, I live in Armonk, NY with my husband of 47 years, Alan. We have a son. A daughter and 5 granddaughters – all who live in the NY metro area. I love to garden (perennial!) , cook (healthy!) , entertain (friends and family!) and travel (anywhere!). We are regular theatergoers and enjoy productions from Broadway to way-off-the-beaten-path productions.
After 20 years as a small business owner and entrepreneur – I wanted to take my skills further. As a financial advisor, I could advise clients on investing as well as the many other aspects of good financial health. This transition enabled me to use my life and business experience to become a valued resource for my clients.
I have made my practice my own – through education, financial planning, retirement planning and legacy planning. I begin by learning and understanding the values, goals and priorities of my clients. We then set out to meet these goals in a way that respects the risks they are willing to take. We define success as meeting those goal and priorities. The financial plan becomes the GPS of our voyage.
On a personal note, I live in Armonk, NY with my husband of 47 years, Alan. We have a son. A daughter and 5 granddaughters – all who live in the NY metro area. I love to garden (perennial!) , cook (healthy!) , entertain (friends and family!) and travel (anywhere!). We are regular theatergoers and enjoy productions from Broadway to way-off-the-beaten-path productions.
Services Include
- Asset Management
- Trust AccountsFootnote1
- Estate Planning StrategiesFootnote2
- 401(k) Rollovers
- 529 PlansFootnote3
- Alternative InvestmentsFootnote4
- Municipal BondsFootnote5
- Business Succession PlanningFootnote6
- Long Term Care InsuranceFootnote7
- Executive Financial ServicesFootnote8
- Lending Products
- Life InsuranceFootnote9
- Cash ManagementFootnote10
- Structured Settlement Annuities
- Stock Option PlansFootnote11
- Philanthropic Services
- Planning for Education FundingFootnote12
- Planning for Individuals with Special Needs
- Qualified Retirement PlansFootnote13
- AnnuitiesFootnote14
Securities Agent: CT, CO, RI, IA, FL, NY, NC, WA, MO, MA, IL, AZ, VT, PA, GA, VA, TN, DE, SC, OH, TX, NJ, CA, OR, DC, NH, MD, AK, MI, MT, NM, ME; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1279248
NMLS#: 1279248
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Comprehensive Financial Planning
Regardless of what stage your life is in – moving ahead in your career, enjoying retirement, or somewhere in between – as your Financial Advisor, I can help you achieve your financial goals.
Using a suite of tools that includes goal-specific analysis, I can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including our investments and cash management needs.
I can create your personal roadmap to help achieve an protect your goals – a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
Using a suite of tools that includes goal-specific analysis, I can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including our investments and cash management needs.
I can create your personal roadmap to help achieve an protect your goals – a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
Manage Debt
We thoroughly review your mortgage, car loans, credit cards, and any other debts that you may have in order to help determine where you can save on interest and create a timeline for your debt payments by prioritizing which ones should be paid off first.
Insurance
We take an extremely close look at your financial profile to decipher what type(s) of insurance most fit your needs and determine if your current insurance policies are best suited for you and your goals.
Retirement
Leading up to and through retirement, I will help you identify the most appropriate ways to obtain the income you need and help ensure that you are on track to achieve for financial goals.
Estate Planning Strategies
Regardless of your current financial circumstances, it is crucial to have a backup plan for your money. I regularly review your finances with you and coordinate with your estate attorney to help ensure that your wishes are met in the most efficient and cost-effective way possible.
Managing Risk & Performance
I take care of your retirement accounts and other investments based on your comfort level with risk and your current tax circumstances, tailoring your financial strategy to your unique situation, needs, and goals.
Long Term Care & Planning
Through every unprecedented life event, it is important to be prepared. I can provide professional guidance and personalized strategies to help you achieve your long-term financial goals and be properly equipped with the necessary resources to fund your future, long-term care needs.
What You Can Expect
The hallmark of my wealth management process is a longstanding commitment to building customized solutions from the ground up. My goals-based approach leads to strategies that are not only designed to reach specific financial targets, but are reflective of who you are and how you intend to share your wealth with others
Step 1: Introduction
I begin with an informal discussion to understand your financial concerns and determine how I can add value. If we all agree to move forward, we’ll schedule our next meeting and request important financial information.
Step 2: Discovery
I continue the dialogue by fostering an in-depth conversation where I learn about the values that shape your decisions and identify any unique circumstances. I also review the documents you’ve prepared and define your priorities.
Step 3: Analysis & Plan Development
Here, I utilize proprietary financial planning tools to develop a personalized and detailed plan with recommendations to help you grow and preserve your wealth.
Step 4: Implementation
In this step, I present appropriate strategies that are designed to work together to achieve your goals. Upon your approval, I initiate the investment recommendations and begin to implement the additional strategies we’ve discussed. These often encompass risk management and estate planning.
Step 5: Risk Review with Detail
Reviewing and managing you discretionary accounts in accordance with changing market conditions as well as your needs to make sure our strategy is in line with your risk tolerance.
Step 6: Ongoing Service
Committed to premium service, I focus on developing a relationship that provides special value to you and your family. As I begin to execute each strategy, I’ll set up tools so you have immediate access to your account information. And because markets and personal needs evolve over time, I set up ongoing meetings to ensure your plan remains on schedule to achieve your goals.
Planning for Your Family’s Financial Needs
Integrational Wealth Planning
Highly-skilled accountants and estate planning attorneys are vital to constructing sound wealth-transfer plans, but sometimes it is the matters these experts cannot address that pose the greatest challenges.
Click here to learn more
Tax Management
The tax decisions you make today can help you save for years to come. There are many tax smart strategies for your financial plan.
Click here to learn more
Wealth Education
Financial literacy means being empowered with the knowledge to make smart financial decision during every stage of life. Discussing family finances is always important, but not always easy. Starting the conversation is a key step in long-term wealth planning.
Click here to learn moreTrust & Estate Planning
I am with you every step of the way. I analyze your tax and estate structures so that your characteristics are accurately incorporated in the asset allocation analysis performed for my clients.
Click here to learn more
Philanthropic Planning
Your set of Philanthropic objectives is as personal as your vision of a better world. Determining your objectives, however, can be challenging when there are so many worth causes with so many unmet needs.
Philanthropic Discovery Questionnaire
Sustainable Investment Solutions
Morgan Stanley partners with clints and stakeholders to mobilize capital ay scale for sustainable, low-carbon economy. My goal is to deliver environmental, social and governance (ESG) Solutions that reduce risk, enhance value and expand the frontier of sustainable finance.
Click here to learn moreWhat's New & Upcoming
In an effort to make our website a greater resource for you, we will be continually updating this tab with relevant & timely articles, audiocasts, webinars and upcoming events!
My Monthly Newsletter
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Thoughts On The Market Podcast
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What Should I Do With My Money Podcast
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Guide to Life & Money
We hope this Playbook inspires honest conversations about money and the role money plays in your life. This playbook breaks up important financial topics into chapters, any of which you can review.
PlaybookLocation
2000 Westchester Ave 1nc
Purchase, NY 10577
US
Direct:
(914) 225-4859(914) 225-4859
Toll-Free:
(888) 499-8544(888) 499-8544
Fax:
(914) 225-6738(914) 225-6738
Meet My Team
About Annette Serniak
Annette has been with Morgan Stanley for the past five years but has been in the financial world for the past eight years. Before making the leap to finance, Annette was in sales and marketing for multiple media companies.
Her love for problem solving and helping people to achieve their goals brought her to finance where she has found her passion. Working with clients is the most important part of Annette’s job and one in which she takes great pride.
Annette’s real passion, however, is her two daughters, Allyson and Caroline. Allyson is a NICU Nurse in NYC and Caroline is a nursing student .. Annette and her husband, now empty nesters, have moved to Stamford,
In her spare time, Annette likes to travel, read and take her dog on long trail hikes, but her favorite pastime is spending quality time with family and friends.
Her love for problem solving and helping people to achieve their goals brought her to finance where she has found her passion. Working with clients is the most important part of Annette’s job and one in which she takes great pride.
Annette’s real passion, however, is her two daughters, Allyson and Caroline. Allyson is a NICU Nurse in NYC and Caroline is a nursing student .. Annette and her husband, now empty nesters, have moved to Stamford,
In her spare time, Annette likes to travel, read and take her dog on long trail hikes, but her favorite pastime is spending quality time with family and friends.
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
Julian Cho
Private Banker
About Julian Cho
Julian Cho is a Private Banker serving Morgan Stanley Wealth Management offices in New Jersey.
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.
Julian began his career in financial services in 2009, and joined Morgan Stanley in 2017 as an Associate Private Banker. Prior to joining the firm, he was a Private Client Banker at JP Morgan Chase.
Julian is a graduate of Nyack College, where he received a Bachelor of Science in Management and Finance. He lives in North Haledon, New Jersey with his family. Outside of the office, Julian enjoys billiards, surfing and kite boarding, fishing, skiing, and playing lacrosse.
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.
Julian began his career in financial services in 2009, and joined Morgan Stanley in 2017 as an Associate Private Banker. Prior to joining the firm, he was a Private Client Banker at JP Morgan Chase.
Julian is a graduate of Nyack College, where he received a Bachelor of Science in Management and Finance. He lives in North Haledon, New Jersey with his family. Outside of the office, Julian enjoys billiards, surfing and kite boarding, fishing, skiing, and playing lacrosse.
NMLS#: 833560
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
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact Carole R Epstein today.
1Morgan 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.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
3Investors 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.
4Alternative 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.
5Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Morgan 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
11Morgan 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.
12When 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.
13When 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.
14Annuities 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
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
3Investors 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.
4Alternative 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.
5Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Morgan 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
11Morgan 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.
12When 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.
13When 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.
14Annuities 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
CRC 6491812 (04/2024)
