Senior Vice President, Financial Advisor, Executive Financial Services Director, Senior Investment Management Consultant, Workplace Advisor – Equity Compensation, Lending Specialist
Phone:
(703) 556-8180(703) 556-8180
Chesapeake Group at Morgan Stanley
Direct:
(703) 556-8187(703) 556-8187
Toll-Free:
(800) 561-9087(800) 561-9087
Our Mission Statement
Helping successful families align their financial resources with their life goals, so they can focus on what matters most to them.
Chesapeake Group
Over two decades ago, our founding partners combined their diverse backgrounds to form a team with a single shared mission:
Simplify our clients' financial lives so they can focus their time and efforts on what matters most to them.
Whether it's helping your optimize the impact of your executive benefits, or navigating the complexities of generational wealth, our team of credentialed Financial Advisors collaborates with you and your other trusted advisors to deliver advice tailored to your unique needs.
For affluent families seeking wealth planning guidance, our team of dedicated Financial Advisors can help you create a comprehensive roadmap integrating asset and risk management, retirement planning and intergenerational wealth transfer strategies.
For our corporate executive clients, we streamline the complex concepts of equity compensation and concentrated stock into a dynamic goals-based action plan.
Simplify our clients' financial lives so they can focus their time and efforts on what matters most to them.
Whether it's helping your optimize the impact of your executive benefits, or navigating the complexities of generational wealth, our team of credentialed Financial Advisors collaborates with you and your other trusted advisors to deliver advice tailored to your unique needs.
For affluent families seeking wealth planning guidance, our team of dedicated Financial Advisors can help you create a comprehensive roadmap integrating asset and risk management, retirement planning and intergenerational wealth transfer strategies.
For our corporate executive clients, we streamline the complex concepts of equity compensation and concentrated stock into a dynamic goals-based action plan.
Services Include
- Wealth PlanningFootnote1
- Estate Planning StrategiesFootnote2
- Executive Financial ServicesFootnote3
- Stock Option PlansFootnote4
- Stock Purchase Plans
- Executive Benefit ServicesFootnote5
- Alternative InvestmentsFootnote6
- Philanthropic Services
- Planning for Education FundingFootnote7
- Long Term Care InsuranceFootnote8
- Life InsuranceFootnote9
- 401(k) Rollovers
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With Us
By putting our client's interests first, our team of specialists helps corporate executives grow, preserve and distribute their wealth tax efficiently.
Through collaborative planning, our credentialed professionals implement wealth plans tailored to the unique and evolving needs of each client. Throughout this time-tested process, we:
• Create, review and update your financial plan
• Educate you about how markets and planning strategies impact you ability to achieve your goals
• Coordinate with your circle of trusted professional advisors and family members
• Cultivate and reinforce positive financial behavior
• Invest in a portfolio tailored to your unique needs, incorporating your Executive Financial Plans
• Craft a spending strategy
No matter the complexity of your financial situation, Chesapeake Group and Morgan Stanley have the resources and expertise to help you build and preserve wealth.
Through collaborative planning, our credentialed professionals implement wealth plans tailored to the unique and evolving needs of each client. Throughout this time-tested process, we:
• Create, review and update your financial plan
• Educate you about how markets and planning strategies impact you ability to achieve your goals
• Coordinate with your circle of trusted professional advisors and family members
• Cultivate and reinforce positive financial behavior
• Invest in a portfolio tailored to your unique needs, incorporating your Executive Financial Plans
• Craft a spending strategy
No matter the complexity of your financial situation, Chesapeake Group and Morgan Stanley have the resources and expertise to help you build and preserve wealth.
Our Valued Clients Include
- HNW families and corporate executives
- Executives with complex equity compensation plans
- Executives evaluating their benefits
- Individuals dealing with generational wealth
What Sets Us Apart?
- Our two distinct areas of practice- corporate services and wealth management- and how we effectively build a bridge between the two
- Our deep understanding of corporate executives and their unique compensation allows us to fit these benefits into their overall financial plan
- Our many years of experience and special designations, such as the CFP® and Family Wealth Director, enable us to excel at wealth planning for individuals and families
Our Suite of Services
As your wealth grows, so does its complexities and the resources needed to manage it effectively. We leverage our experience and relationships to deliver innovative strategies tailored to your needs. We look forward to speaking with you to understand your challenges, so we may map out a strategy to achieve your particular priorities and goals.
Wealth Management
Wealth management brings all the dimensions of your life together. We listen carefully to understand the connections across your personal life, your family, your career, and your legacy goals to develop an integrated strategy that is uniquely yours.
401(k) Rollovers
If you have a 401(k) from a previous job, we make it easy to consolidate your assets into one account so you can monitor your progress and investment results all in one place. This helps simplify your financial life, keeps you organized and helps make your money work harder for you.
Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our award winning tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth Management
Alternative Investments
Our leading alternatives platform offers 160+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
Learn More
Insurance
Insurance is an essential part of financial planning, especially if loved ones rely on your for financial support and livelihood. We will work with you to develop and implement a well-considered strategy based on your unique goals and opportunities.
Learn More
Cash Management and Lending
As a Morgan Stanley client, you are eligible to take advantage of our suite of cash management and lending solutions. Whether you're seeking to simplify your cash management solutions, or even to finance a home, we've got a solution for you.
Learn MoreCorporate Services
Executive Financial Services
Understanding the challenges executives and key insiders face when trying to access the value of their equity compensation can be overwhelming. We focus on delivering customized solutions for executives when they are planning to sell or gift company stock - or exercise company options. Our team can help you navigate SEC regulations and corporate insider trading rules.
Areas of focus include:
• Policies and best practices regarding pre-clearance, execution, post-trade reporting (Rule 144 and Section 16) and settlement.
• Legal and regulatory updates and commentary to ensure compliant transactions.
• Custom education programs enabling executives to understand their equity holdings, SEC rules, company policy and various paths to liquidity.
• Personal, 1:1 service, advice and thoughtful strategies for executives to manage their corporate equity including 10b5-1 Trading Plans, Rule 144 transactions, and gifting restricted securities.
Our EFS platform has been rated #1 in the industry league tables for over 16 years, and the firm continues to invest in technology and systems that streamline processes.
Please find additional resources below:
Executive Financial Planning BrochureAreas of focus include:
• Policies and best practices regarding pre-clearance, execution, post-trade reporting (Rule 144 and Section 16) and settlement.
• Legal and regulatory updates and commentary to ensure compliant transactions.
• Custom education programs enabling executives to understand their equity holdings, SEC rules, company policy and various paths to liquidity.
• Personal, 1:1 service, advice and thoughtful strategies for executives to manage their corporate equity including 10b5-1 Trading Plans, Rule 144 transactions, and gifting restricted securities.
Our EFS platform has been rated #1 in the industry league tables for over 16 years, and the firm continues to invest in technology and systems that streamline processes.
Please find additional resources below:
Equity Solutions
Morgan Stanley at Work Shareworks and E*TRADE platforms and solutions help companies and their participants successfully navigate the dynamic and complex business of equity compensation.
Morgan Stanley has more than 40 years of experience in equity compensation and prepared to help your company tackle this complex area. With over 360 corporate clients and over 1.5M participants, Morgan Stanley is uniquely positioned to develop programs to fit your company's needs. Our products and services include:
• Stock options
• Restricted stock
• Performance shares
• Employee Stock Purchase Plans
• Cash and stock settled SARS
• Participant related services and education
• StockPlan Connect website for participants
• Online grant and award distribution
• Personalized support for officers and directors
• Global Mobility Solutions
• Financial reporting services
• Wealth planning services
Please find additional resources below:
Morgan Stanley at Work: Equity SolutionsMorgan Stanley has more than 40 years of experience in equity compensation and prepared to help your company tackle this complex area. With over 360 corporate clients and over 1.5M participants, Morgan Stanley is uniquely positioned to develop programs to fit your company's needs. Our products and services include:
• Stock options
• Restricted stock
• Performance shares
• Employee Stock Purchase Plans
• Cash and stock settled SARS
• Participant related services and education
• StockPlan Connect website for participants
• Online grant and award distribution
• Personalized support for officers and directors
• Global Mobility Solutions
• Financial reporting services
• Wealth planning services
Please find additional resources below:
Valuable Tools and Resources
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies and capabilities that we have to offer our clients.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More
Retirement Planning
Leading up to and through retirement, we will help you identify the most appropriate ways to obtain the income you need and help ensure that you are on track to pursue for financial goals.
Learn More
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More
Estate Planning Strategies
Regardless of your current financial circumstances, it is crucial to have a backup plan for your money. We 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.
Learn More
Goals-Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology to help reach your financial goals.
Learn More
Tax-Efficient Strategies
Building wealth is a means to an end. Taxes can eat up a significant portion of your assets upon withdrawal. This is why it's vital to look at your entire portfolio and coordinate liquidation to help reduce the impact of taxes and potentially improve investment results.
Learn More
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform, powered by Aladdin, is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides a holistic view to better enable risk to be effectively monitored and managed.
Learn MoreSpending and Budgeting Tool
One way to manage savings is by using Morgan Stanley’s Spending and Budgeting tool. These tools help advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
Learn MoreLocation
1650 Tysons Blvd
Suite 1000
McLean, VA 22102
US
Direct:
(703) 556-8187(703) 556-8187
Toll-Free:
(800) 561-9087(800) 561-9087
Meet Chesapeake Group
Senior Vice President, Wealth Management, Financial Advisor, Family Wealth Director
Phone:
(703) 556-8119(703) 556-8119
First Vice President, Wealth Management, Financial Advisor, Certified Equity Professional
Phone:
(703) 394-1985(703) 394-1985
Dianna Rodgers
Assistant Vice President, Senior Registered Client Services Associate
Phone:
(703) 556-8186(703) 556-8186
Mark Taylor, CFA
Financial Advisor
Phone:
(703) 556-8117(703) 556-8117
Jelena Milosevic
Client Service Associate
Phone:
(703) 394-1998(703) 394-1998
About Richard G McLaughlin
For more than 34 years at Morgan Stanley, Rick has developed and delivered equity compensation plans for the team’s public company clients. As the leader of Chesapeake Group’s Corporate Executive Services practice, Rick focuses on 10b5-1 plan creation, Rule 144 transactions and wealth management for corporate executives. He has earned the designation of Executive Financial Services Director, awarded by Morgan Stanley to a limited number of advisors trained to design and manage insider transactions. He has also earned the Lending Specialist designation.
Rick received a Bachelors Degree in History from Rutgers. Committed to making a positive impact in the lives of others, Rick volunteers with a number of organizations, including Plantree Advisory Committee at Fauquier Hospital, Comfort Cases, PACT Pet Fostering for Veterans, The 911 Memorial Bike Trail and Relay for Life.
Rick received a Bachelors Degree in History from Rutgers. Committed to making a positive impact in the lives of others, Rick volunteers with a number of organizations, including Plantree Advisory Committee at Fauquier Hospital, Comfort Cases, PACT Pet Fostering for Veterans, The 911 Memorial Bike Trail and Relay for Life.
Securities Agent: SC, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1401613
NMLS#: 1401613
About Patrick B Gaffney
Since beginning his career with Morgan Stanley in 2004, Patrick has focused on delivering proactive planning to clients of Chesapeake Group. In his current role as Senior Vice President, he advises the firm’s private clients, tailoring a plan to each client’s specific goals, in concert with his or her other trusted advisors. As a Morgan Stanley Family Wealth Director - a designation earned by fewer than 5% of Morgan Stanley Financial Advisors - Patrick is well qualified to help clients and their families navigate the dynamics of generational wealth.
Patrick has earned the Certified Financial Planner™ designation and is among fewer than 2,500 Certified Private Wealth Advisor™ designees nationwide, a status achieved after successfully completing a rigorous training program through the Investments & Wealth Institute and the the University of Chicago’s Booth School of Business.
A graduate of the Villanova University School of Business, Patrick and his wife try to keep up with their three young children in Vienna, VA. When not coaching lacrosse or soccer, or adventuring with Scouts, Patrick enjoys sneaking away for the occasional ski or golf trip.
Patrick has earned the Certified Financial Planner™ designation and is among fewer than 2,500 Certified Private Wealth Advisor™ designees nationwide, a status achieved after successfully completing a rigorous training program through the Investments & Wealth Institute and the the University of Chicago’s Booth School of Business.
A graduate of the Villanova University School of Business, Patrick and his wife try to keep up with their three young children in Vienna, VA. When not coaching lacrosse or soccer, or adventuring with Scouts, Patrick enjoys sneaking away for the occasional ski or golf trip.
Securities Agent: NJ, AL, AZ, CA, CO, CT, DC, DE, FL, GA, IL, MA, MD, MI, MO, MT, NC, NH, NV, NY, OH, PA, SC, TN, TX, VA, VT, WA, WI, WV, HI, LA, ME, MN, MS, ND, NE, NM, OK, OR, PR, RI, SD, ID, AK, AR, IA, IN, KS, VI, WY, UT, KY; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1413954
CA Insurance License #: 0G47232
NMLS#: 1413954
CA Insurance License #: 0G47232
About Suzanne Cooper
Suzanne has worked with Morgan Stanley for more than 30 years, serving the needs of individuals and corporate clients facing challenges in managing personal wealth. Her diverse industry background positions her to serve clients with issues ranging from wealth management for private clients to the nuances of managing corporate equity compensation plans. As a testament to her knowledge and experience in the equity compensation field, Suzanne has earned the Certified Equity Professional® certification.
Suzanne received her B.S. in Biology from the University of Connecticut. She is active in her community in Loudoun. Outside the office, she enjoys staying active, travelling, appreciating good food and wine, and spending time with her family and friends.
Suzanne received her B.S. in Biology from the University of Connecticut. She is active in her community in Loudoun. Outside the office, she enjoys staying active, travelling, appreciating good food and wine, and spending time with her family and friends.
Securities Agent: IA, WV, MT, VT, WI, CA, SC, GA, NJ, NC, WA, UT, VA, IN, SD, TX, OK, MI, MO, NH, MN, NE, HI, WY, VI, NM, OH, RI, NV, TN, OR, PA, MS, MA, LA, PR, NY, ID, MD, ND, FL, AL, ME, KY, AZ, CT, IL, KS, CO, AK, DE, DC, AR; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1390879
CA Insurance License #: 0L90635
NMLS#: 1390879
CA Insurance License #: 0L90635
About Dianna Rodgers
With more than 27 years of experience in the financial services industry, Dianna has spent her entire career with Morgan Stanley and its predecessor firms. She brings a lot of experience to the table, having worked on many sides of the business that included Branch Operations Management, Client Service and Administrative Consulting work.
She joined The Chesapeake Group in 2014 and specializes in providing exceptional client service while safeguarding client assets with diligence and attentive care. She provides the team’s Financial Advisors with administrative and operational support, and assists the Stock Plan Team with trade execution and back-up support. Dianna is licensed in Series 7, Series 63, and Series 65.
Outside of work, Dianna enjoys travelling and staying active with her family. They love exploring the great outdoors together – sailing, hiking, camping, and taking day trips to just about anywhere.
She joined The Chesapeake Group in 2014 and specializes in providing exceptional client service while safeguarding client assets with diligence and attentive care. She provides the team’s Financial Advisors with administrative and operational support, and assists the Stock Plan Team with trade execution and back-up support. Dianna is licensed in Series 7, Series 63, and Series 65.
Outside of work, Dianna enjoys travelling and staying active with her family. They love exploring the great outdoors together – sailing, hiking, camping, and taking day trips to just about anywhere.
About Mark Taylor
Mark joined The Chesapeake Group in 2018 and has quickly become an integral part of the team. He focuses on delivering superior value-added service to stock plan participants. With a strong work ethic and an attentive approach, he resolves inquiries with meticulous care and a keen understanding of clients’ larger financial goals. Mark is Series 7 licensed.
A graduate of Roanoke College, Mark played four years of collegiate soccer and earned a bachelor’s degree in business administration. Outside of work, he enjoys staying active and continues to play two to three games of soccer per week.
A graduate of Roanoke College, Mark played four years of collegiate soccer and earned a bachelor’s degree in business administration. Outside of work, he enjoys staying active and continues to play two to three games of soccer per week.
About Jelena Milosevic
Jelena Milosevic is a Client Service Associate at Morgan Stanley. She joined the firm in 2023 and has previous experience in retail management.
Jelena is originally from Serbia and holds a degree in Economics and Banking. Outside of work, she enjoys spending time with her puppy.
Jelena is originally from Serbia and holds a degree in Economics and Banking. Outside of work, she enjoys spending time with her puppy.
Contact Richard G McLaughlin
Contact Patrick B Gaffney
Contact Suzanne Cooper
Wealth Management
Global Investment Office
Portfolio Insights
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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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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
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Ready to start a conversation? Contact Chesapeake 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3Morgan 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.
4Morgan 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.
5When 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.
6Alternative 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.
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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products 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
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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3Morgan 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.
4Morgan 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.
5When 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.
6Alternative 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.
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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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Awards Disclosures
CRC 6491812 (04/2024)
