James M Olson, CEPA
Senior Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(207) 871-7319(207) 871-7319
Casco Bay Group at Morgan Stanley
Direct:
(207) 771-0859(207) 771-0859
Toll-Free:
(800) 442-6722(800) 442-6722
Our Mission Statement
Simplifying the complexity of your financial world to help create your own well planned life.
About Us
We all recognize that our world has grown more complex. Today we have immediate access to massive amounts of information yet it is no simple matter to extract relevant knowledge from the abundance of data.
As much as we wish it were not so, it is also undeniable that our wellbeing is typically intertwined with our financial security. The complexity of personal finance and investments seems to have increased at an even greater rate.
Finding a trusted advisor who is knowledgeable in investments, cash management, personal finance, education planning, retirement planning, estate planning, insurance, lending, business finance and more is not common. What is less common is finding a resource who will invest the time to understand your individual situation, simplify these issues and provide you with personalized guidance to reduce the stress of the unknown.
It is this goal that provides singular focus for our business: Simplifying the complexity of your financial world to help create your own Well Planned Life.
As much as we wish it were not so, it is also undeniable that our wellbeing is typically intertwined with our financial security. The complexity of personal finance and investments seems to have increased at an even greater rate.
Finding a trusted advisor who is knowledgeable in investments, cash management, personal finance, education planning, retirement planning, estate planning, insurance, lending, business finance and more is not common. What is less common is finding a resource who will invest the time to understand your individual situation, simplify these issues and provide you with personalized guidance to reduce the stress of the unknown.
It is this goal that provides singular focus for our business: Simplifying the complexity of your financial world to help create your own Well Planned Life.
Services Include
- Wealth ManagementFootnote1
- Business Succession PlanningFootnote2
- Cash Management and Lending ProductsFootnote3
- Estate Planning StrategiesFootnote4
- Financial PlanningFootnote5
- Long Term Care InsuranceFootnote6
- Philanthropic Services
- Planning for Education FundingFootnote7
- Retirement PlanningFootnote8
- Sustainable InvestingFootnote9
- Trust AccountsFootnote10
- Life InsuranceFootnote11
- Alternative InvestmentsFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
The Casco Bay Group approach begins with anticipating future needs through the various stages of your life while helping you plan for opportunities and obstacles you may encounter along the way. We often work with multiple generations of your family so you can feel confident that your needs as well as those of the next generation are understood and addressed.
Asset management, retirement planning, estate planning, insurance, taxes, executive compensation planning, business owner transition planning - we will bring together all of these elements into a cohesive, integrated and personally relevant financial plan that will help you preserve and enhance your wealth while enjoying the lifestyle it affords.
All the while, we will manage and monitor your wealth and update your financial plan on an ongoing basis, so that it keeps pace with changing financial markets and your evolving life circumstances. Our approach emphasizes regular, close communication so you know what’s happening with your wealth and we know what’s happening in your life so we may adjust your financial plan accordingly.
The Casco Bay Group adheres to the highest standards in the financial services industry while focusing on your needs as our highest priority. Providing objective advice and solutions is more than just our mission — it is our duty.
Asset management, retirement planning, estate planning, insurance, taxes, executive compensation planning, business owner transition planning - we will bring together all of these elements into a cohesive, integrated and personally relevant financial plan that will help you preserve and enhance your wealth while enjoying the lifestyle it affords.
All the while, we will manage and monitor your wealth and update your financial plan on an ongoing basis, so that it keeps pace with changing financial markets and your evolving life circumstances. Our approach emphasizes regular, close communication so you know what’s happening with your wealth and we know what’s happening in your life so we may adjust your financial plan accordingly.
The Casco Bay Group adheres to the highest standards in the financial services industry while focusing on your needs as our highest priority. Providing objective advice and solutions is more than just our mission — it is our duty.
Our Clients
We help successful entrepreneurs, multi-generational families, business owners and institutional clients identify, implement, and manage intelligent financial solutions. We offer solutions to help grow, manage, and preserve your wealth.
Successful Entrepreneurs
With the Casco Bay Group, you will gain access to a wealth management team that has the intellectual capital, experience, and resources to help you reach your goals.
Multi-generational Families
With the Casco Bay Group, we understand your challenges and working with a reliable advisory team can help you navigate these challenges. We will account for cash and debt, investment planning, estate planning strategies, and risk management when we create your custom plan for you and your extended family.
Business Owners
With the Casco Bay Group, we work with our clients to understand their business and their day to day operations. Once we understand these challenges we can identify solutions to best meet your business needs. We can discuss growth opportunities, exit strategies, and overall goals in relation to the business that you are a part of.
Institutional Clients
With the Casco Bay Group, we can help you identify services that are most important to you. Whether its corporate retirement plans, cash management solutions or trust services we’re here to help you.
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We’ve provided links to these materials, where available, and hope you’ll return often to learn more about the topics that impact your overall wealth.
Global Investment Committee on the Markets
A monthly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out this month's edition here.
Read the Latest Report
Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Access This Week's EditionTools and Resources
With the Casco Bay Group, we strive to provide our clients and prospects with the most up to date information. We’ve helped out countless clients and prospects find the right answer to their financial problems. We offer these financial resources and tools to help.
Morgan Stanley Thoughts on the Markets Podcast
Listen to our financial podcast, featuring perspectives from leaders within Morgan Stanley and their perspectives on the forces shaping markets today.
Tune In
Digital Vault
Our digital tools are built with the security of client assets and data as a top priority. All login sessions to Morgan Stanley Online and the Morgan Stanley Mobile App have end-to-end, high-grade encryption.
Digital Vault
Total Wealth View
Managing multiple financial accounts across different firms can be complicated. With Morgan Stanley Online, you can link your non-Morgan Stanley accounts and analyze your cash flow all in one place.
Consolidate Accounts in One PlaceLocation
100 Middle St
3rd Fl
Portland, ME 04101
US
Direct:
(207) 771-0859(207) 771-0859
Toll-Free:
(800) 442-6722(800) 442-6722
Meet Casco Bay Group
Deanna Harnett, CDFA®
Financial Advisor
Phone:
(207) 771-0884(207) 771-0884
Kristoffer A. Noble
Consulting Group Analyst
Phone:
(207) 771-0856(207) 771-0856
Jennifer Morris
Client Service Associate
Phone:
(207) 771-0859(207) 771-0859
About James M Olson
Before joining Morgan Stanley’s predecessor firm Smith Barney in 2007 James enjoyed a 17 year career in engineering and applied science in which he earned over 20 patents and authored numerous technical publications. He earned a BS in Physics from Bates College and an M.S. Materials Science at Worcester Polytechnic Institute. James utilizes his experience in the analysis of complex systems in his role directing the planning efforts for the team. His professional licenses and designations include CEPA ® (Certified Exit Planning Advisor), FINRA Series 7 securities, Series 3 commodities, Series 65 uniform Investment advisor, Series 63 state securities agent, and a Maine Life and Health Insurance License.
James has successfully completed the Family Wealth Advisor accreditation program focused on the skills needed to help families communicate about money and values, share their goals and grow and protect wealth across generations. As an accredited Certified Exit Planning Advisor James provides personalized, custom advice to private business owners and their families to help them build more valuable companies, have stronger personal financial plans, and align their personal and business goals which may incorporate business transition strategies.
James leads portfolio management, financial planning, business liquidity planning and insurance efforts for the team.
A former collegiate athlete and competitive cyclist, James’ continues to participate in and coach a variety of sports. Other interests include working with children (especially the disadvantaged and marginalized), the creative arts (music, writing, art), vintage automobiles, history, literature and hiking.
James lives in Old Orchard Beach, Maine with his wife Erica, and their three children.
James has successfully completed the Family Wealth Advisor accreditation program focused on the skills needed to help families communicate about money and values, share their goals and grow and protect wealth across generations. As an accredited Certified Exit Planning Advisor James provides personalized, custom advice to private business owners and their families to help them build more valuable companies, have stronger personal financial plans, and align their personal and business goals which may incorporate business transition strategies.
James leads portfolio management, financial planning, business liquidity planning and insurance efforts for the team.
A former collegiate athlete and competitive cyclist, James’ continues to participate in and coach a variety of sports. Other interests include working with children (especially the disadvantaged and marginalized), the creative arts (music, writing, art), vintage automobiles, history, literature and hiking.
James lives in Old Orchard Beach, Maine with his wife Erica, and their three children.
Securities Agent: CA, MI, OR, VA, OH, NH, ME, AZ, NM, NJ, NE, CT, VT, MA, IL, DC, FL, TX, WA, NY, KY, HI, GA, CO, RI, TN, SC, PA, NC; General Securities Representative; Investment Advisor Representative
About Deanna Harnett
Prior to joining Morgan Stanley in 2018, Deanna began her career in finance as a public accountant in Chicago where she earned her CPA. Following her auditing and financial services role at Coopers & Lybrand, she served as the CFO for two public companies where she also managed Human Resources and provided technology support. Following a move to the east coast, she has spent the last 15 years in senior management roles relating to finances and administration in the not-for-profit education arena serving both a K-12 organization and an international education institution. As an energetic, articulate, analytic, and strategic leader with vast financial reporting, operational and senior management experience, Deanna brings an immense talent to develop and simplify procedures and find innovative solutions to complex problems. Throughout her career she has been committed to the highest level of professional and personal excellence.
She earned a BS in Accounting from Indiana University in Bloomington, IN. Her professional licenses and designations include CDFA (Certified Divorce Financial Analyst), FINRA Series 7 securities, Series 66 Uniform Combined State Law Examination and her CPA (non-practicing).
Deanna leads client relations, fixed income portfolio strategy, our efforts in sustainable and impact investing strategies as well as operational efficiencies for the team in order to provide the highest level of service to our clients. She specializes in servicing clients who are going to or have recently been divorced to provide support and knowledge in what can be an emotional and complex process. In addition, she focuses on the multiple generations of clients through education and guidance.
A recreational triathlete and competitive volleyball player, Deanna enjoys all aspects of sports. She also enjoys cooking, exploring new cities, listening to all kinds of podcasts and volunteers for various not-for-profit boards in a financial role.
Deanna lives in Yarmouth, Maine with her husband, Kendall and their two children.
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.
She earned a BS in Accounting from Indiana University in Bloomington, IN. Her professional licenses and designations include CDFA (Certified Divorce Financial Analyst), FINRA Series 7 securities, Series 66 Uniform Combined State Law Examination and her CPA (non-practicing).
Deanna leads client relations, fixed income portfolio strategy, our efforts in sustainable and impact investing strategies as well as operational efficiencies for the team in order to provide the highest level of service to our clients. She specializes in servicing clients who are going to or have recently been divorced to provide support and knowledge in what can be an emotional and complex process. In addition, she focuses on the multiple generations of clients through education and guidance.
A recreational triathlete and competitive volleyball player, Deanna enjoys all aspects of sports. She also enjoys cooking, exploring new cities, listening to all kinds of podcasts and volunteers for various not-for-profit boards in a financial role.
Deanna lives in Yarmouth, Maine with her husband, Kendall and their two children.
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.
Securities Agent: NE, MI, WA, RI, OR, OH, NY, NM, FL, NC, TX, GA, PA, KY, CO, TN, NH, ME, MD, IL, CA, AZ, SC, HI, MA, VA, LA, CT, VT, MT, DC, NJ; General Securities Representative; Investment Advisor Representative
About Kristoffer A. Noble
An experienced professional with Morgan Stanley since 2000, Kris supports portfolio management efforts for the team. He completes due diligence, risk-reward analysis and investment manager analysis and portfolio monitoring for our clients. He received his Consulting Group Analyst designation in 2004 and continues to design, implement and monitor portfolios to help clients achieve their long-term goals. Kris currently holds his Series 7, 63 & 65 licenses.
Born and raised in Maine, Kris graduated from the University of New Hampshire with a Bachelor of Science degree in Business Administration and a minor in Finance. He and his wife, April, and daughters, Sydney and Ava, reside in Limington, Maine. When out of the office, Kris enjoys coaching his children’s sports teams and stays active in health and fitness.
Born and raised in Maine, Kris graduated from the University of New Hampshire with a Bachelor of Science degree in Business Administration and a minor in Finance. He and his wife, April, and daughters, Sydney and Ava, reside in Limington, Maine. When out of the office, Kris enjoys coaching his children’s sports teams and stays active in health and fitness.
About Jennifer Morris
Prior to joining Morgan Stanley in 2021, Jennifer began her career in finance at JP Morgan as an assistant on the Fixed Income desk in San Francisco. During her time with JP Morgan she worked with the US Equities Sales desk as an IPO Roadshow Coordinator and in New York in the early 2000s as a Sales Assistant on the European Equity Desk. She then made the move back to Maine and worked for UBS Financial Services and Ameriprise Financial Services in the CSA role. Most recently before joining Morgan Stanley she worked for Stone Coast Fund Services as an Office Administrator within the Human Resources Department. As an energetic, outgoing, friendly professional Jennifer strives to engage and serve our clients with a commitment to the highest standards in service. She earned a BS in Marketing and Minor in Human Behavior from Babson College in Wellesley, MA.
A former Women’s soccer player and a current skier, runner and outdoor enthusiast, Jennifer enjoys any and all aspects of sports. She also enjoys live music, exploring new cities, and her children’s sports.
Jennifer lives in Falmouth, Maine with her five children.
A former Women’s soccer player and a current skier, runner and outdoor enthusiast, Jennifer enjoys any and all aspects of sports. She also enjoys live music, exploring new cities, and her children’s sports.
Jennifer lives in Falmouth, Maine with her five children.
Contact James M Olson
Contact Deanna Harnett
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
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Ready to start a conversation? Contact Casco Bay Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan 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.
3Morgan 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
4Morgan 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.
5Morgan 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
8When 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.
9The 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.
10Morgan 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Alternative 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.
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 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.
3Morgan 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
4Morgan 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.
5Morgan 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
8When 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.
9The 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.
10Morgan 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Alternative 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.
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)
