First Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(386) 740-2007(386) 740-2007
Central Florida Group at Morgan Stanley
Direct:
(386) 671-2318(386) 671-2318
Toll-Free:
(800) 488-4930(800) 488-4930
Our Mission Statement
Our Team Helps You Visualize, Prioritize and Realize Your Goals
About Us
As your Financial Advisors, Jennifer and David can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest. With a team of experienced professionals, you will receive proactive, individualized service that demonstrates the importance of family, financial freedom and achieving personal goals.
Working together, Jennifer and David can help you to preserve and grow your wealth. As a team that values loyalty and relationships, they aim to have deep conversations with clients to fully understand personal and professional aspirations. They have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices that will help you reach the goals you want to achieve.
Working together, Jennifer and David can help you to preserve and grow your wealth. As a team that values loyalty and relationships, they aim to have deep conversations with clients to fully understand personal and professional aspirations. They have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices that will help you reach the goals you want to achieve.
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Planning for Individuals with Special Needs
- LGBT+ Planning ServicesFootnote4
- Business Succession PlanningFootnote5
- Planning for Education FundingFootnote6
- Philanthropic Services
- Professional Portfolio ManagementFootnote7
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Advice Matters
We all have goals—and many are linked to our finances, from paying for higher education, to meeting health-care needs and other foreseen costs, to retirement. Trying to make investment decisions while juggling all these financial goals on your own can be overwhelming and time-consuming. Jennifer and David have the experience to help create and implement a wealth plan that takes your specific goals and circumstances into account.
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 Advisors, we can help you achieve your financial goals.
Using a combination of tools including goal-specific analysis, we can work with you to create a realistic, holistic strategy integrating the various aspects of your financial life, including your investments and cash management needs.
Whatever your financial goal - whether to grow your wealth, preserve it or pass it on to others, you can count on us to help you with a strategy that is:
Using a combination of tools including goal-specific analysis, we can work with you to create a realistic, holistic strategy integrating the various aspects of your financial life, including your investments and cash management needs.
Whatever your financial goal - whether to grow your wealth, preserve it or pass it on to others, you can count on us to help you with a strategy that is:
1. Personal
Highly individualized and committed to helping you achieve financial success.
2. Flexible
Responsive to changes in your life and priorities over time.
3. Comprehensive
Covering a broad array of investment products and services, with preferred benefits tied to your value with us.
Planning Your Future
Our team will work with you to understand your priorities during these crucial years and implement a customized strategy for you. Whether it is planning for retirement, transitioning into retirement, or managing your assets in retirement, our team has the experience and resources to help accomplish your personal and financial goals.
Understanding Your Savings Vehicles
When it comes to retirement savings, the most important thing is to get started—after all, time is one of your greatest assets. Although retirement may seem far for some, it is essential to get started on planning for future living expenses, potential education funds, or travel costs. Let us help educate you on ways to grow and preserve your wealth.
Learn more about 401(k) Strategies
The Psychological Transition into Retirement
Most retirement preparations focus on financial planning, but it is equally crucial to look at personal considerations and help you with easing the fear of the unknown. Given that many people overlook the psychological adjustments of retirement, we can help you understand why it’s important to be emotionally (not just financially) ready for retirement.
Risks to Your Retirement
Once you determine what kind of retirement you want, we will work together to take a closer look at the risks that might be standing between you and your retirement goals. No matter how well you save during the accumulation phase, it’s critical to plan how you convert those assets to income. We can help you navigate the challenges that may arise.
Impact of Taxes
The strategies you use when drawing down your retirement savings can have a significant impact on how much you’ll pay in taxes and may help you keep more of the returns. Each retiree’s situation is different but establishing a tax management strategy for your investments can help you retain more of your investment returns.
Tax-Smart StrategiesOur Clients
We help people just like you, in various stages of life.
We understand that your specific circumstances may require unique solutions. No problem: we’ll work with you individually to develop detailed wealth plans and thoughtful strategies.
We understand that your specific circumstances may require unique solutions. No problem: we’ll work with you individually to develop detailed wealth plans and thoughtful strategies.
Our satisfied clients include:
- Business Owners (including family businesses)
- Corporate executives
- High net worth young investors
- Mid-career professionals and their families
- Nonprofit organizations
- Seniors near or in retirement
Location
285 Clyde Morris Blvd.
Ste 100
Ormond Beach, FL 32174
US
Direct:
(386) 671-2318(386) 671-2318
Toll-Free:
(800) 488-4930(800) 488-4930
Meet Central Florida Group
Vice President, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER®
Phone:
(386) 671-2318(386) 671-2318
April Markes
Team Administrator
Phone:
(386) 671-2333(386) 671-2333
Kristy L. Saunders
Portfolio Associate
Phone:
(386) 740-2013(386) 740-2013
Mia Young
Registered Client Service Associate
Phone:
(386) 740-2002(386) 740-2002
About David M. Welsh
As a Marine, David recognizes the importance of discipline and leadership and applies those qualities every day while working with clients. Inspired by his father, who also worked in financial services, David began his career in 1994 as a Financial Advisor at Merrill Lynch. David is passionate about counseling people on their path to and through retirement, along with all of life’s milestones. His clients often describe his approach as personal and customized, all while addressing their top concerns and priorities. In 2009, David joined Morgan Stanley where he currently serves clients and manages a branch office.
David and his team base their client relationship on planning, which provides them with a road map of addressing the important issues for the client and the myriad life events that come at us all. His main responsibility on the team is client investments and plan implementation. Working alongside Jennifer, who focuses more on financial planning for clients, the two of them lean into their strengths and bring meaningful solutions to their clients.
Over the course of his career, David has worked with his clients to help grow and protect their wealth, as well as preserve that wealth for their families. David lives in New Smyrna Beach with his wife, Lauren. He has three grown sons, a stepdaughter, and a young son. He enjoys spending time with family and friends, as well as many outdoor activities.
David and his team base their client relationship on planning, which provides them with a road map of addressing the important issues for the client and the myriad life events that come at us all. His main responsibility on the team is client investments and plan implementation. Working alongside Jennifer, who focuses more on financial planning for clients, the two of them lean into their strengths and bring meaningful solutions to their clients.
Over the course of his career, David has worked with his clients to help grow and protect their wealth, as well as preserve that wealth for their families. David lives in New Smyrna Beach with his wife, Lauren. He has three grown sons, a stepdaughter, and a young son. He enjoys spending time with family and friends, as well as many outdoor activities.
Securities Agent: ND, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY, KS, IN, NE, IL, ID, IA, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AR, AL, AK, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1279647
NMLS#: 1279647
About Jennifer Richardson
A native to the Daytona Beach area, Jennifer began her career in the financial services industry in 1997 with a local independent firm, which is where she found her passion for financial planning. In 2006, she graduated from the College for Financial Planning and earned the Certified Financial Planner designation that same year.
Jennifer was thrilled to join Morgan Stanley in 2013. Her comprehensive knowledge and experience show in her passion for working with families to achieve their unique goals. Jennifer strives to establish strong relationships with her clients and builds thorough plans for each of them. Using a comprehensive, supportive, and strategic approach, Jennifer has the skills and experience necessary to create financial plans based on each clients’ goals, objectives, and risk tolerance. In addition to this, she collaborates with insurance agents, attorneys, and CPAs of clients to help them paint a complete picture of their finances.
Jennifer and her husband, Tim, have a son, Jonah. An avid reader, Jennifer is a member of two book clubs. She loves spending time on the water and going to beautiful local beaches with her family, friends, and beloved pets.
Jennifer was thrilled to join Morgan Stanley in 2013. Her comprehensive knowledge and experience show in her passion for working with families to achieve their unique goals. Jennifer strives to establish strong relationships with her clients and builds thorough plans for each of them. Using a comprehensive, supportive, and strategic approach, Jennifer has the skills and experience necessary to create financial plans based on each clients’ goals, objectives, and risk tolerance. In addition to this, she collaborates with insurance agents, attorneys, and CPAs of clients to help them paint a complete picture of their finances.
Jennifer and her husband, Tim, have a son, Jonah. An avid reader, Jennifer is a member of two book clubs. She loves spending time on the water and going to beautiful local beaches with her family, friends, and beloved pets.
Securities Agent: CA, OR, ME, MD, PA, FL, NC, IN, VA, OH, TX, TN, LA, CT, WA, NY, GA, CO, AL, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 1312708
NMLS#: 1312708
About April Markes
April has called Florida home for the past 25 years after growing up in the Northeast. She began her college career in Paralegal Studies at Daytona State College where she was chosen by a Professor to fill a role in a local attorney’s office. From there, April worked her way up to Office Manager and ultimately spent 14 years in that position. Since 2010, April crossed over into the financial services industry, serving as a licensed Service Assistant at a local Wealth Management Firm and spending the last 5 years handling all wire requests for 13 branches for a local Title Company. She was excited to start her career with Morgan Stanley.
On a personal note, April enjoys many things during her time away from the office. This includes spending time and taking trips with a close-knit group of friends and family, singing, reading, and making sure her new puppy, Remy, is spoiled.
On a personal note, April enjoys many things during her time away from the office. This includes spending time and taking trips with a close-knit group of friends and family, singing, reading, and making sure her new puppy, Remy, is spoiled.
About Kristy L. Saunders
Kristy has worked in the financial services industry for more than 25 years. She began her career with Smith Barney in 1997 as a Wire Operator and has worked her way up to a fully licensed Portfolio Associate. She coordinates the team's overall day-to-day operations, ensuring a high level of service for our clients. Kristy and her husband Corey have 2 children together, Codey and Kylee. In her free time, Kristy enjoys time with her family, working out, spending time on the water, outdoor activities and traveling.
About Mia Young
Mia is a Deland native, graduating from Deland High School and going on to receive her college education at Stetson University. Mia majored in finance with a concentration in Financial Planning and minored in Business Law. After graduation, Mia accepted an opportunity to work as a real estate appraiser, specializing in Eminent Domain appraisals. She worked in the appraisal industry for two years. Mia joined Morgan Stanley in 2021 and was excited to begin her career in the Financial Services industry. She hopes to utilize the knowledge from her education and passion for Financial Planning to build trust and strengthen client relationships. In her free time, Mia loves to do many outdoor activities. She is an avid CrossFitter, loves to spend time with family and friends, travel and go to the beach to name a few!
Contact David M. Welsh
Contact Jennifer Richardson
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
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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
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact Central Florida Group 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 offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley 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 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 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.
6When 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.
7Morgan 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.
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 offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley 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 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 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.
6When 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.
7Morgan 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.
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)
