Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Management Director, Financial Planning Specialist
Phone:
(509) 751-4201(509) 751-4201
Clearwater Group at Morgan Stanley
Direct:
(509) 295-5175(509) 295-5175
Toll-Free:
(800) 995-9194(800) 995-9194
Our Mission Statement
Helping our clients plan for evolving goals and important life events, while feeling confident about their future.
Our Story
“The only constant in life is change.” This old adage is certainly true when it comes to personal finance.
Throughout our lives, the most important events can create seismic upheaval in our financial circumstances – marriage, retirement, the birth of child or grandchild, divorce, and even death.
The Clearwater Group at Morgan Stanley helps our clients prepare for, live through and emerge on the other side of significant life events. Our rigorous, disciplined process puts your goals at the center of every decision. Together, we will create a comprehensive plan that aligns your goals with the strategies needed to achieve them.
Working together, we can help you feel confident about your financial future, so you can focus on the things that are most important to you and bring meaning to your life. It is a commitment to our clients that is the cornerstone of our work.
Throughout our lives, the most important events can create seismic upheaval in our financial circumstances – marriage, retirement, the birth of child or grandchild, divorce, and even death.
The Clearwater Group at Morgan Stanley helps our clients prepare for, live through and emerge on the other side of significant life events. Our rigorous, disciplined process puts your goals at the center of every decision. Together, we will create a comprehensive plan that aligns your goals with the strategies needed to achieve them.
Working together, we can help you feel confident about your financial future, so you can focus on the things that are most important to you and bring meaning to your life. It is a commitment to our clients that is the cornerstone of our work.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our rigorous, disciplined process
To help you meet your short-, medium-, and long-term goals, we have developed a 4-step process that helps us develop all your financial strategies and tactics.
This process is highly structured but also customizable to fit your particular objectives, preferences and time-frame. Broadly, it consists of four stages.
We developed this process to be effective, transparent and comprehensive. It’s the foundation of an appropriate financial strategy.
This process is highly structured but also customizable to fit your particular objectives, preferences and time-frame. Broadly, it consists of four stages.
We developed this process to be effective, transparent and comprehensive. It’s the foundation of an appropriate financial strategy.
Stage 1: Discover
Each of our clients is unique – we don’t believe in “cookie-cutter” solutions. However, in order to tailor our recommendations to you, we need to understand as much as possible about you. Your financial situation, of course, but also your goals, your family, your beliefs and convictions. What’s most important to you? What keeps you up at night? We will use questions like these to develop our recommendations.
Stage 2: Recommend
Once we understand your goals and preferences, we can offer considered and informed advice about appropriate investments and other financial recommendations. During this stage, we will also present a series of “what if” scenarios to help determine the best course of action.
Stage 3: Implement
Many of our clients have existing investments and financial instruments in place, most of which were developed independent of each other. Once we’ve developed an overarching strategy for you, we can unify your financial life around your goals, while also accounting for cash flow, tax implications and many other factors.
Stage 4: Adjust
Few things in life are constant – your life circumstances evolve, markets adjust, needs and desires change. So it’s important to periodically review progress and adapt to new conditions. We will establish a schedule with you to formally examine where you are today and where you are heading.
Your questions answered.
Life Events
Each client, no matter how much wealth they’ve accumulated or how they view the future, has particular concerns about their financial life. While every client is unique, there are some issues that come up over and over during our planning and wealth management processes. Here are a few examples:
College Funding
Will I be able to send my children to the college of their choice? What about my grandchildren?
Retirement
I don’t want to run out of money – how do I know if I’ll have enough? How can I take care of myself and my spouse without burdening my kids?
Tax strategies
Can I reduce my tax burden? Can I structure my portfolio to mitigate taxes without sacrificing performance or income?
Investing
What’s the best strategy for my particular life trajectory? Can I make a difference with my portfolio?
Location
518 Diagonal Street
Clarkston, WA 99403
US
Direct:
(509) 295-5175(509) 295-5175
Toll-Free:
(800) 995-9194(800) 995-9194
500 108th Ave NE
Ste 1900
Bellevue, WA 98004
US
Direct:
(800) 328-2802(800) 328-2802
Meet Clearwater Group
Senior Vice President, Financial Advisor, Family Wealth Advisor, Investing with Impact Director
Phone:
(509) 751-4203(509) 751-4203
Raquel Pederson
Registered Associate
Phone:
(509) 295-5175(509) 295-5175
About Kenneth P Maestas
Ken provides customized, comprehensive financial planning and investment services for our clients. He uses a goals-based approach to help clients define their short-, medium-, and long-term financial objectives, and then works with them to build appropriate wealth management strategies and tactics. His goal is to help clients navigate the challenges of life’s changes, while providing thoughtful advice to help them preserve and grow their wealth.
Ken joined the Clearwater Group after a 25 year career as a Certified Public Accountant, specializing in auditing, cash flow and taxation. While he no longer practices as a CPA, Ken’s experience helps inform his approach to wealth management – he is a strong advocate of considering both sides of each client’s personal balance sheet. He also leverages his experience with his rigorous, detail-oriented approach.
Ken earned his BA in Accounting Information Systems and Business Management at Idaho State University. He is licensed as a Chartered Retirement Plans Specialist ®, a designation which demonstrates his expertise in building and implementing sophisticated, personalized retirement plans for clients.
Ken and his wife, Keri, have four adult children and several grandchildren. They are active runners, walkers, paddle boarders and white water rafters. Together, they enjoy the many rivers of the Northwest.
Ken joined the Clearwater Group after a 25 year career as a Certified Public Accountant, specializing in auditing, cash flow and taxation. While he no longer practices as a CPA, Ken’s experience helps inform his approach to wealth management – he is a strong advocate of considering both sides of each client’s personal balance sheet. He also leverages his experience with his rigorous, detail-oriented approach.
Ken earned his BA in Accounting Information Systems and Business Management at Idaho State University. He is licensed as a Chartered Retirement Plans Specialist ®, a designation which demonstrates his expertise in building and implementing sophisticated, personalized retirement plans for clients.
Ken and his wife, Keri, have four adult children and several grandchildren. They are active runners, walkers, paddle boarders and white water rafters. Together, they enjoy the many rivers of the Northwest.
Securities Agent: NY, IA, NC, IN, AL, TX, NV, MD, CO, AZ, LA, WV, VA, PA, ID, CT, NE, ME, TN, GA, OH, NJ, KY, HI, UT, AR, WA, SC, CA, OK, MT, MA, KS, FL, OR; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1262154
CA Insurance License #: 0H99273
NMLS#: 1262154
CA Insurance License #: 0H99273
About Randy Norris
I bring a lifetime of experience to my role as a wealth management professional. My father was in the U.S. Navy, so we moved a lot when I was young. I got to enjoy many beautiful areas across our country and around the world. By the time I was 14, I had lived in six different locations, including Utah, Connecticut and Scotland. I attended high school in Kennewick, WA and consider this my hometown.
This early experience had a profound impact on my life, teaching me how to adapt quickly to new surroundings and to stay open-minded to new and fresh opportunities. It also gave me a deep appreciation for such values as duty, honor and discipline – three important tenets that serve as the foundation of my financial practice.
I began my career in pharmaceutical sales at Merck & Company. It is here where I discovered my true passion was about directly helping people, rather than through the efforts of a medical practitioner. This experience led me to shift my focus to a profession where I could have a more direct impact on the quality of their lives. I joined Morgan Stanley in 2010 and have been a valuable member of the firm ever since.
Over the years, I have built a successful practice, guiding individuals, families and local organizations in the achievement of their financial goals. One of the most enjoyable parts of my job is working with like-minded clients who value the level of service and skill I deliver. I receive great satisfaction knowing I am making a significant impact on the quality of their lives and I often become one of the most important relationships to their families.
Today, I am privileged to work with a small, yet select group of clients. I take great pride in helping them oversee and manage their finances, so they can take care of the people they love and spend more time pursuing the activities they enjoy. I look forward to hearing your story and learning how I can help you achieve your personal definition of financial success.
This early experience had a profound impact on my life, teaching me how to adapt quickly to new surroundings and to stay open-minded to new and fresh opportunities. It also gave me a deep appreciation for such values as duty, honor and discipline – three important tenets that serve as the foundation of my financial practice.
I began my career in pharmaceutical sales at Merck & Company. It is here where I discovered my true passion was about directly helping people, rather than through the efforts of a medical practitioner. This experience led me to shift my focus to a profession where I could have a more direct impact on the quality of their lives. I joined Morgan Stanley in 2010 and have been a valuable member of the firm ever since.
Over the years, I have built a successful practice, guiding individuals, families and local organizations in the achievement of their financial goals. One of the most enjoyable parts of my job is working with like-minded clients who value the level of service and skill I deliver. I receive great satisfaction knowing I am making a significant impact on the quality of their lives and I often become one of the most important relationships to their families.
Today, I am privileged to work with a small, yet select group of clients. I take great pride in helping them oversee and manage their finances, so they can take care of the people they love and spend more time pursuing the activities they enjoy. I look forward to hearing your story and learning how I can help you achieve your personal definition of financial success.
Securities Agent: RI, AL, MT, VI, NY, DC, VA, MI, IL, MD, UT, MN, CT, NE, OH, NM, WA, DE, WV, CA, OK, NJ, AR, LA, OR, NC, IN, TN, MA, SD, GA, CO, MO, WY, PR, ME, AZ, FL, KY, MS, VT, ND, NH, HI, ID, PA, IA, WI, SC, TX, NV, AK, KS; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1290654
NMLS#: 1290654
About Raquel Pederson
Raquel moved to the LC Valley in 1996 after attending the University of Idaho and Lewis Clark State College. She was a medical administrative assistant for 23 years before coming to work at Morgan Stanley in 2017. Raquel and her husband have two children, they enjoy golfing, boating and hiking.
Contact Kenneth P Maestas
Contact Randy Norris
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Wilson Calansingin
Associate Private Banker
Adelaide El Zein, CFP®
Financial Planning Director, Vice President
About Wilson Calansingin
Wilson Calansingin is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Washington State.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Wilson began his career in financial services in 2006, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was a Premier Banker at Wells Fargo Bank, N.A.
Wilson is a graduate of Ateneo de Manila University, where he received a Business Management degree with a focus in Finance. He lives in Tacoma, Washington. Outside of the office, Wilson enjoys golfing.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Wilson began his career in financial services in 2006, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was a Premier Banker at Wells Fargo Bank, N.A.
Wilson is a graduate of Ateneo de Manila University, where he received a Business Management degree with a focus in Finance. He lives in Tacoma, Washington. Outside of the office, Wilson enjoys golfing.
NMLS#: 711776
About Adelaide El Zein
Adelaide El Zein, CFP® is a Vice President and Financial Planning Director serving Morgan Stanley’s
Wealth Management offices in Washington State, mainly serving our Bellevue, Kirkland, Yakima,
Kennewick and Bellingham office locations. She is responsible for helping Financial Advisors with their clients' and
prospects' financial planning needs.
A CERTIFIED FINANCIAL PLANNING® professional, Adelaide has been providing financial advice to
families and individuals in various settings for nearly 18 years. A former teacher, who taught
domestically and overseas in Germany and the United Arab Emirates, Adelaide launched her career in
finance at Ameriprise in 2004 after completing her MBA. She was an analyst at Merrill Lynch/Bank of
America for 4 years before joining an RIA in Arlington as a financial advisor.
A graduate of the University of Washington, she lives in Edmonds, WA with her future husband, Bob,
and his two teenage boys. Outside of work she enjoys photography, being outside, working on home
improvement projects, learning new languages and dancing to live music.
Wealth Management offices in Washington State, mainly serving our Bellevue, Kirkland, Yakima,
Kennewick and Bellingham office locations. She is responsible for helping Financial Advisors with their clients' and
prospects' financial planning needs.
A CERTIFIED FINANCIAL PLANNING® professional, Adelaide has been providing financial advice to
families and individuals in various settings for nearly 18 years. A former teacher, who taught
domestically and overseas in Germany and the United Arab Emirates, Adelaide launched her career in
finance at Ameriprise in 2004 after completing her MBA. She was an analyst at Merrill Lynch/Bank of
America for 4 years before joining an RIA in Arlington as a financial advisor.
A graduate of the University of Washington, she lives in Edmonds, WA with her future husband, Bob,
and his two teenage boys. Outside of work she enjoys photography, being outside, working on home
improvement projects, learning new languages and dancing to live music.
Wealth Management
From Our Team
Morgan Stanley Online and Mobile App
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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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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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 Clearwater Group today.
1Morgan 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.
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 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.
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 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
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.
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
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 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.
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 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
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.
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)