Melinda Liu
Client Service Associate
Phone:
(925) 730-3883(925) 730-3883
Clement Wong, MBA, CFP®
Senior Vice President, Wealth Management,
Financial Advisor,
Senior Portfolio Management Director,
Family Wealth Advisor
Direct:
(925) 730-3288(925) 730-3288
Toll-Free:
(800) 834-4434(800) 834-4434
My Mission Statement
With prior professional experience at McKinsey, JP Morgan, Disney, Gap, Target and international background, I provide thoughtful advice to and manage portfolios for clients to help them achieve their financial goals through various stages of their lives.
Welcome
As your Financial Advisor and CERTIFIED FINANCIAL PLANNER™, I listen to your needs and help you define and achieve your financial goals. Working together to help preserve and grow wealth, you’ll 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.
My typical clients are high net worth individuals, business owners, senior corporate executives, and families with wealth, financial, estate, and retirement planning needs. I set up and manage 401(k) and Defined Benefit retirement plans, as well as manage money for charitable organizations and foundations. For senior corporate executives with stock options & grants, I manage their 10b5-1 preset diversification plans. With my international and extensive management background, I also help my clients with their global currency investing and needs.
I take pride in putting my clients' best interests first, and I strive to invest money in a diversified manner, which includes the use of Alternative Investments to help maximize potential upside and to help manage downside volatility. Risk management and preserving my clients' principal are the cornerstones of my investment philosophy.
Born and raised in Hong Kong, I earned my MBA from Kellogg School of Management at Northwestern University and graduated with Top Student Award and 4.0 G.P.A. I earned my Bachelor of Business Administration degree at The Chinese University of Hong Kong with First Class Honors and the Cheng Ming Award (highest college honor).
Prior to becoming a financial advisor in 2004, I was a management consultant at McKinsey and a finance executive at Target and Gap. Before beginning my MBA, I spent over four years helping the CEO and management team at Disney to identify where to build the next Disney theme park in Asia outside of Japan, which led to the development of Hong Kong Disneyland. I started my career working at JP Morgan in both Hong Kong and New York, and was awarded top management trainee.
In my financial advisory career, I am honored to have been ranked every year from 2012-2024 as a Five Star Wealth Manager, published in local magazines and from 2018-2022 in the Wall Street Journal. In 2025, I was appointed to Morgan Stanley’s prestigious Century Club, a select group of the Firm's successful advisors
I look forward to helping you and your family.
2012-2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2012-2025) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2012 Award - 08/5/2011 - 12/31/2011
2013 Award - 08/5/2012 - 12/31/2012
2014 Award - 08/5/2013 - 12/31/2013
2015 Award- 08/5/2014 - 12/31/2014
2016 Award- 08/5/2015 - 12/31/2015
2017 Award- 04/26/2016 - 12/28/2016
2018 Award- 06/2/2017 - 12/29/2017
2019 Award- 05/31/2018 - 12/21/2018
2020 Award- 05/27/2019 - 12/20/2019
2021 Award- 06/1/2020 - 12/18/2020
2022 Award- 06/14/2021 - 12/10/2021
2023 Award- 06/06/22 - 12/09/22
2024 Award- 05/15/2023 - 11/30/2023
2025 Award- 5/15/2024 -11/29/2024
My typical clients are high net worth individuals, business owners, senior corporate executives, and families with wealth, financial, estate, and retirement planning needs. I set up and manage 401(k) and Defined Benefit retirement plans, as well as manage money for charitable organizations and foundations. For senior corporate executives with stock options & grants, I manage their 10b5-1 preset diversification plans. With my international and extensive management background, I also help my clients with their global currency investing and needs.
I take pride in putting my clients' best interests first, and I strive to invest money in a diversified manner, which includes the use of Alternative Investments to help maximize potential upside and to help manage downside volatility. Risk management and preserving my clients' principal are the cornerstones of my investment philosophy.
Born and raised in Hong Kong, I earned my MBA from Kellogg School of Management at Northwestern University and graduated with Top Student Award and 4.0 G.P.A. I earned my Bachelor of Business Administration degree at The Chinese University of Hong Kong with First Class Honors and the Cheng Ming Award (highest college honor).
Prior to becoming a financial advisor in 2004, I was a management consultant at McKinsey and a finance executive at Target and Gap. Before beginning my MBA, I spent over four years helping the CEO and management team at Disney to identify where to build the next Disney theme park in Asia outside of Japan, which led to the development of Hong Kong Disneyland. I started my career working at JP Morgan in both Hong Kong and New York, and was awarded top management trainee.
In my financial advisory career, I am honored to have been ranked every year from 2012-2024 as a Five Star Wealth Manager, published in local magazines and from 2018-2022 in the Wall Street Journal. In 2025, I was appointed to Morgan Stanley’s prestigious Century Club, a select group of the Firm's successful advisors
I look forward to helping you and your family.
2012-2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2012-2025) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2012 Award - 08/5/2011 - 12/31/2011
2013 Award - 08/5/2012 - 12/31/2012
2014 Award - 08/5/2013 - 12/31/2013
2015 Award- 08/5/2014 - 12/31/2014
2016 Award- 08/5/2015 - 12/31/2015
2017 Award- 04/26/2016 - 12/28/2016
2018 Award- 06/2/2017 - 12/29/2017
2019 Award- 05/31/2018 - 12/21/2018
2020 Award- 05/27/2019 - 12/20/2019
2021 Award- 06/1/2020 - 12/18/2020
2022 Award- 06/14/2021 - 12/10/2021
2023 Award- 06/06/22 - 12/09/22
2024 Award- 05/15/2023 - 11/30/2023
2025 Award- 5/15/2024 -11/29/2024
Services Include
- Wealth ManagementFootnote1
- Retirement PlanningFootnote2
- Financial PlanningFootnote3
- 401(k) Rollovers
- Business Succession PlanningFootnote4
- Executive Financial ServicesFootnote5
- Estate Planning StrategiesFootnote6
- Philanthropic ManagementFootnote7
- Sustainable InvestingFootnote8
- Alternative InvestmentsFootnote9
- Structured ProductsFootnote10
- Foreign ExchangeFootnote11
- Long Term Care InsuranceFootnote12
- Life InsuranceFootnote13
- Cash Management and Lending ProductsFootnote14
Securities Agent: IN, VA, DC, MA, AL, WA, SC, OR, MN, MD, IL, WI, NJ, CO, AZ, OH, IA, FL, CA, TX, NY, NC, ID, GA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1261764
CA Insurance License #: 0E86289
NMLS#: 1261764
CA Insurance License #: 0E86289
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
My Five-Step Process
My wealth management approach focuses on you, your family and your career – where you are today and where you want to go. Working together, we develop the strategies to help get you there, navigating life's challenges and helping you make more informed decisions about your wealth.
1. Introductory Call
We begin with an informal conversation to understand your financial concerns and determine how we can add value. If we all agree to move forward, we'll schedule our next meeting and request important financial information.
2. Get To Know You Meeting
We continue the dialogue by fostering an in-depth conversation where we learn about the values that shape your decisions and identify any unique circumstances. We also review the documents you've prepared and define your priorities.
3. Analysis & Plan Development
Here, we utilize proprietary financial planning tools to develop a personalized and detailed plan with recommendations to help you grow, preserve and transfer your wealth.
4. Implementation
In this step, we present appropriate strategies that are designed to work together to achieve your goals. Upon your approval, we open new accounts for you at Morgan Stanley and initiate our investment recommendations. We'll also begin to implement other strategies we've discussed. These often encompass tax minimization strategies, as well as risk management and estate planning techniques.
5. Ongoing Service
Committed to premium service, we focus on developing a relationship that provides special value to you and your family. As we begin to execute each strategy, we'll set up tools so you have immediate access to your account information. And because markets and personal needs evolve over time, we set up ongoing meetings to ensure your plan remains on schedule to achieve your goals.
International Clients
I have a great deal of experience advising international clients with investments in the U.S. and globally. These clients largely reside in Mainland China, Hong Kong, and Taiwan. My extensive knowledge of international markets and cross-border regulations allow me to guide my clients in understanding regulations around acceptable investment vehicles, the potential tax impact of gifting, and the nuances of estate planning.
I work closely with my clients and trusted financial professionals to effectively and efficiently navigate the guidelines of international investment.
I work closely with my clients and trusted financial professionals to effectively and efficiently navigate the guidelines of international investment.
Giving Back
I am committed to giving back to my community through philanthropy and service efforts.
Misnomer - Treasurer
Misnomer is a non-profit organization bringing artists and the public together in innovative and meaningful ways. We support a community of top-tier creative artists in crafting truly memorable and engaging dance, theater and musical experiences through platforms like bookaflashmob.com. I have served with this organization for over 10 years.
San Jose Chinese Catholic Mission – Cantonese Group - Finance Committee Chair
I began my two-year term as the Finance Chairperson with this organization on July 1, 2023
St. Clare Parish- Cantonese Mass Lector
I have lectored for the Cantonese Mass since 2021.
St. Raymond Church- Lector
I have lectored at St. Raymond in Dublin, CA since 2021
St. Augustine Church - Lector
I have lectored at St. Augustine in Pleasanton, CA since 2021
Young Adult Catholic Faith Sharing Group- Founder and Organizer
I founded this group in 2023 and continue to lead and organize.
Morgan Stanley Western Region Financial Advisor Council- Member
One of 22 selected advisors from the 22 markets in the Western region. Meet regularly to provide management with ideas and feedback to enhance work and client experiences.
Firm Resources
Morgan Stanley provides clients with resources meant to transform complex financial analysis and research into concise and easily digestible content. The links below offer insight into the modern market and economic landscape.
2025 Federal Tax Tables
The 2025 Federal Tax Tables are utilized to assist clients in their investment decisions
View the Full Table
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! Access your finances and invest in an instant with the help of this handy resource that is available 24/7.
Learn more about Morgan Stanley Online
Total Wealth View
Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
Learn more about Total Wealth View
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative risk engine used by several of the world’s largest institutional asset managers, providing you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios. This helpful tool can assist you in making educated investment decisions with increased confidence.
Learn more about the Portfolio Risk Platform
MS Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that rewards clients with over one million dollars in assets and liabilities invested at the firm. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn more about MS Reserved
Strategy - Intelligent Withdrawals
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.
View tax-aware strategies hereLocation
4309 Hacienda Drive
Ste 200
Pleasanton, CA 94588
US
Direct:
(925) 730-3288(925) 730-3288
Toll-Free:
(800) 834-4434(800) 834-4434
Fax:
(925) 730-3880(925) 730-3880
Meet My Team
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
Cindy W. Lee
Private Banker
About Cindy W. Lee
Cindy Lee is a Private Banker serving Morgan Stanley Wealth Management offices in the East Bay, California Market.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Cindy began her career in financial services in 1996 and joined Morgan Stanley in 2022. Prior to joining the firm, she was a Custom Residential Real Estate Specialist at Bank of America/Merrill Lynch where she also served as a Wealth Management Banker and Financial Advisor.
Cindy is a graduate of San Francisco State University, where she received a Bachelor of Science in Business Management. She resides in the Bay Area with her family. Outside of the office, Cindy dedicates time to volunteering, enjoys traveling, reading, watching sports and spending time with family and friends.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Cindy began her career in financial services in 1996 and joined Morgan Stanley in 2022. Prior to joining the firm, she was a Custom Residential Real Estate Specialist at Bank of America/Merrill Lynch where she also served as a Wealth Management Banker and Financial Advisor.
Cindy is a graduate of San Francisco State University, where she received a Bachelor of Science in Business Management. She resides in the Bay Area with her family. Outside of the office, Cindy dedicates time to volunteering, enjoys traveling, reading, watching sports and spending time with family and friends.
NMLS#: 637460
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
Article Image
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
Tax-Smart Ways to Sell Securities
How investors can tap their portfolios in tax-savvy ways.
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
Article Image
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact Clement Wong, MBA 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 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.
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.
6Morgan 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.
7Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
8The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
9Alternative 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.
10Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
11GlobalCurrency is available to clients of Morgan Stanley Smith Barney LLC with an eligible brokerage account. Before undertaking foreign exchange transactions, clients should understand the associated risks.
Engaging in foreign currency transactions entails more varied risks than normally associated with transactions in the domestic securities markets. Attention should be paid to market, credit, sovereign, and liquidity risks. The foreign exchange transactions and deposits discussed in this material may not be appropriate for all clients. The appropriateness of a particular investment or strategy depends upon a client’s particular circumstances and objectives. This material does not provide individually tailored investment advice.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Morgan 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
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 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.
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.
6Morgan 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.
7Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
8The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
9Alternative 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.
10Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
11GlobalCurrency is available to clients of Morgan Stanley Smith Barney LLC with an eligible brokerage account. Before undertaking foreign exchange transactions, clients should understand the associated risks.
Engaging in foreign currency transactions entails more varied risks than normally associated with transactions in the domestic securities markets. Attention should be paid to market, credit, sovereign, and liquidity risks. The foreign exchange transactions and deposits discussed in this material may not be appropriate for all clients. The appropriateness of a particular investment or strategy depends upon a client’s particular circumstances and objectives. This material does not provide individually tailored investment advice.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Morgan 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
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)
