Rick Rondy, CIMA®
Senior Vice President, Wealth Management, Financial Advisor, Senior Investment Management Consultant, Branch Manager, Alternative Investments Director
Phone:
(734) 827-0526(734) 827-0526
Commonwealth Group at Morgan Stanley
Direct:
(734) 827-0524(734) 827-0524
Toll-Free:
(800) 772-6198(800) 772-6198
Our Mission Statement
We’re dedicated to guiding you on a personalized journey towards your aspirations. We combine thoughtful planning and down-to-earth strategies to help empower you in making sound financial decisions, ultimately bringing you closer to the future you envision.
OUR STORY
Delve into a world of strategic financial planning and explore alternative investments with our team of three experienced Financial Advisors. Focus in personalized strategies, we navigate the landscape of traditional and alternative investments to craft a comprehensive investment strategy blueprint tailored to our client’s unique financial goals. Combined with continuous monitoring and proactive guidance our team works to help ensure our clients remain steadfast on the bridge to financial success.
With well over 60+ years of combined experience, The Commonwealth Group at Morgan Stanley provides extensive experience and intellectual capital to clients regarding their finances. Our teams diverse experience views can be a resource to clients as they can take advantage of hearing from multiple perspectives working toward the same desired outcome.
With the knowledge and experience of many market cycles, Rick is extremely adept at conducting analysis and strategy, and eager to delve into the technical elements of investing for clients where a greater level of strategic investing is required. Bryan provides a cutting-edge perspective with access to new ideas, and conducts comprehensive individualized plans for every client, making financial concepts meaningful and accessible in the process. Our Qualified Plan Financial Consultant (QFPC), Tim, excels at serving business owners, businesses, and their employees, ensuring they have access to the help they need to manage their personal assets and business assets with their goals as the NorthStar.
We have recently expanded our team with our client service associates, Juliette and Mark. They are here to help assist you in navigating our services or answering any questions that you may have.
We promise real time updates to your assets and financial plan, providing you with information when you need it, and access to comprehensive world-class investment strategies, including alternative investments, private real estate, private credit, and hedge funds.
Let us help you navigate the intricacies of managing your financial life with years of experience, precision, passion, and ongoing support!
With well over 60+ years of combined experience, The Commonwealth Group at Morgan Stanley provides extensive experience and intellectual capital to clients regarding their finances. Our teams diverse experience views can be a resource to clients as they can take advantage of hearing from multiple perspectives working toward the same desired outcome.
With the knowledge and experience of many market cycles, Rick is extremely adept at conducting analysis and strategy, and eager to delve into the technical elements of investing for clients where a greater level of strategic investing is required. Bryan provides a cutting-edge perspective with access to new ideas, and conducts comprehensive individualized plans for every client, making financial concepts meaningful and accessible in the process. Our Qualified Plan Financial Consultant (QFPC), Tim, excels at serving business owners, businesses, and their employees, ensuring they have access to the help they need to manage their personal assets and business assets with their goals as the NorthStar.
We have recently expanded our team with our client service associates, Juliette and Mark. They are here to help assist you in navigating our services or answering any questions that you may have.
We promise real time updates to your assets and financial plan, providing you with information when you need it, and access to comprehensive world-class investment strategies, including alternative investments, private real estate, private credit, and hedge funds.
Let us help you navigate the intricacies of managing your financial life with years of experience, precision, passion, and ongoing support!
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Awards
Commonwealth Group recognized as Forbes 2024 Best-In-State Wealth Management Teams
Commonwealth Group was named on Forbes' 2024 Best-in-State Wealth Management Teams annual ranking.
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23.
https://www.morganstanley.com/disclosures/awards-disclosure
Click here to learn moreSource: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23.
https://www.morganstanley.com/disclosures/awards-disclosure
Equity Solutions and Products
Together, we’ll help you create a culture of ownership at your organization by enabling you to build an equity compensation offering that best fits your needs.
Click here to learn more
Retirement for 5 Generations
In a multigenerational workplace, how may retirement benefits meet the needs of employees at every age and life stage?
Click here to learn more
Secure 2.0 Act
As the legislative landscape evolves, companies need to stay ahead of the curve. Morgan Stanley walks through what the SECURE 2.0 Act means for your retirement benefits.
Click here to learn more
All humans have behavioral biases, those blind spots that can impact decision-making. Some people are overconfident about their abilities; others attribute too much value to things in their possession; some unwittingly attach too much importance to things that are not important at all.
Behavioral biases exist when human beings fail to act “rationally” and process all the information available to them when making decisions. As investment managers, we must recognize that individually, and as an investment team, we are likely to have biases about our stock selection process, the sizing of positions, portfolio construction, even risk management. Understanding
that we have these biases is the first step, but what can we do to proactively overcome them? The Eaton Vance Equity Group believes that having deep company-specific knowledge, training in financial statement analysis, and decades of collective experience are necessary, but insufficient, to achieve strong investment results. Since 2014, we have integrated the discipline of conducting Portfolio Exercises into our investment process, a differentiator in the way we manage money and an important element to our success.
Behavioral biases exist when human beings fail to act “rationally” and process all the information available to them when making decisions. As investment managers, we must recognize that individually, and as an investment team, we are likely to have biases about our stock selection process, the sizing of positions, portfolio construction, even risk management. Understanding
that we have these biases is the first step, but what can we do to proactively overcome them? The Eaton Vance Equity Group believes that having deep company-specific knowledge, training in financial statement analysis, and decades of collective experience are necessary, but insufficient, to achieve strong investment results. Since 2014, we have integrated the discipline of conducting Portfolio Exercises into our investment process, a differentiator in the way we manage money and an important element to our success.
Location
2001 Commonwealth Blvd
Ann Arbor, MI 48105
US
Direct:
(734) 827-0524(734) 827-0524
Toll-Free:
(800) 772-6198(800) 772-6198
Meet Commonwealth Group
Bryan McNamara
Senior Vice President, Financial Advisor, Alternative Investments Director
Phone:
(734) 827-0543(734) 827-0543
Timothy Majewski, QPFC
Financial Advisor
Phone:
(734) 827-0557(734) 827-0557
Juliette Gassner
Client Service Associate
Phone:
(734) 827-0534(734) 827-0534
Mark Holody
Registered Client Service Associate
Phone:
(734) 827-0538(734) 827-0538
About Rick Rondy
As a 30+ year veteran of the wealth management industry, Rick began his career with Prudential, before moving his practice over to Morgan Stanley in 1999. By providing clients with unbiased and objective financial guidance, he is dedicated to helping clients build wealth and preserve capital. Using the Commonwealth Group Proactive Service Platform, Rick is able to provide unparalleled service, investment advice and custom strategies designed to help his clients meet their financial goals.
Away from Morgan Stanley, Rick is an active member of Northridge Church. He enjoys spending time with his wife, children and 4 grandchildren. During his time off, he enjoys taking vacations to his cottage up north where his favorite activities include boating, hiking, and cross country skiing. Rick gives back to his local community by volunteering with the Doorkeepers Men’s Ministry and Mission City in Detroit. Previously Rick spent time serving on the board of the Canton Charter Academy in Canton, MI.
Away from Morgan Stanley, Rick is an active member of Northridge Church. He enjoys spending time with his wife, children and 4 grandchildren. During his time off, he enjoys taking vacations to his cottage up north where his favorite activities include boating, hiking, and cross country skiing. Rick gives back to his local community by volunteering with the Doorkeepers Men’s Ministry and Mission City in Detroit. Previously Rick spent time serving on the board of the Canton Charter Academy in Canton, MI.
Securities Agent: NC, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY, ME; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1297984
NMLS#: 1297984
About Bryan McNamara
With over 15 years of experience as a Financial Advisor, Bryan McNamara began his career with UBS, and then moved to JP Morgan in 2012. Later on in his career, he joined Morgan Stanley. Bryan utilizes a simple, straightforward approach to consistently provide his clients with custom, comprehensive financial game plans. In order to stay at the forefront of the ever changing financial landscape, Bryan takes great pride in his ability to provide clients with cutting edge perspective. He works to provide his clients with new ideas, straightforward financial planning, and access to need to know information.
Away from the office, Bryan enjoys spending quality time with his wife Meredith and his three children Conner, Chloe, and Chase.
Away from the office, Bryan enjoys spending quality time with his wife Meredith and his three children Conner, Chloe, and Chase.
Securities Agent: MN, FL, CT, AZ, AL, NY, KS, GA, WI, MI, MD, NC, MT, NV, VT, TX, SC, MO, DE, CO, VA, NJ, MA, IL, CA, TN, OH; General Securities Representative; Investment Advisor Representative
NMLS#: 2170777
NMLS#: 2170777
About Timothy Majewski
Tim Majewski is a Financial Advisor with the Commonwealth Group at Morgan Stanley. He has 9 years of experience in financial services and has been with Morgan Stanley since 2012.
Tim began his career at the firm in operations in the Columbus, OH office and moved to Hilton Head, SC where he spent five years as a Client Service Associate. In 2019, he joined the Commonwealth Group in Ann Arbor, MI as their Support Professional. He now is a Financial Advisor on the team.
Tim takes a holistic approach to guiding clients and takes pride in delivering a high level of personalized service. He combines his broad experience with Morgan Stanley’s vast resources to assist with almost every facet of wealth management including education and retirement planning, cash management, legacy, philanthropy, and investment management.
Born and raised in Ohio, Tim graduated from Ohio University with a B.B.A degree in Marketing. He holds his Series 7 and 66 licenses. He and his wife, Megan, relocated to Southeast Michigan with their two sons, Henry and Miles and their dog, Betty. When outside of the office, Tim enjoys golfing, basketball, baseball, fishing, Cleveland sports and spending time with his family.
NMLS #2213873
Tim began his career at the firm in operations in the Columbus, OH office and moved to Hilton Head, SC where he spent five years as a Client Service Associate. In 2019, he joined the Commonwealth Group in Ann Arbor, MI as their Support Professional. He now is a Financial Advisor on the team.
Tim takes a holistic approach to guiding clients and takes pride in delivering a high level of personalized service. He combines his broad experience with Morgan Stanley’s vast resources to assist with almost every facet of wealth management including education and retirement planning, cash management, legacy, philanthropy, and investment management.
Born and raised in Ohio, Tim graduated from Ohio University with a B.B.A degree in Marketing. He holds his Series 7 and 66 licenses. He and his wife, Megan, relocated to Southeast Michigan with their two sons, Henry and Miles and their dog, Betty. When outside of the office, Tim enjoys golfing, basketball, baseball, fishing, Cleveland sports and spending time with his family.
NMLS #2213873
Securities Agent: VT, MT, TN, CT, WA, LA, PR, NV, VA, OR, IN, SD, TX, FL, UT, MO, MN, SC, ND, NE, NM, NH, NY, WI, OH, MS, ME, GA, KS, RI, PA, IL, IA, NJ, NC, AR, CA, MI, MD, MA, CO, AL, KY, DE, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 2213873
NMLS#: 2213873
About Juliette Gassner
Starting her financial services career with Morgan Stanley in 2023, Juliette is passionate about supporting the team and their clients with exceptional client service backed by great attention to detail. She is dedicated to learning and growing with the team and recently passed her SIE and Series 7 exams. Now she is working on passing her Series 66 exam to become fully registered! Her areas of focus include client service, administrative duties, technology support and making sure clients have a great experience at the Commonwealth Group at Morgan Stanley.
A lifelong native of Michigan, Juliette grew up in Redford and currently lives in New Hudson with her pride and joy, Dixi, a German Shepherd / Collie mix. Life outside of work is one full of learning and growth and she is always trying to find ways to grow her knowledge base through reading, online lectures, or discussing interesting topics with friends and colleagues. When away from the office, Juliette enjoys weightlifting, nutrition, reading and spending time with friends and family.
A lifelong native of Michigan, Juliette grew up in Redford and currently lives in New Hudson with her pride and joy, Dixi, a German Shepherd / Collie mix. Life outside of work is one full of learning and growth and she is always trying to find ways to grow her knowledge base through reading, online lectures, or discussing interesting topics with friends and colleagues. When away from the office, Juliette enjoys weightlifting, nutrition, reading and spending time with friends and family.
About Mark Holody
An experienced client service professional in the financial services industry since 2010, Mark is well versed in virtually all parts of the client experience and uses his knowledge to provide outstanding service. He is an essential part of the team due to the value he adds from his extensive understanding of the technology and tools available at Morgan Stanley. Mark began his career with Equitas America Financial Group where he was a Client Service Associate, prior to joining Morgan Stanley in 2021. His areas of focus include new account openings, account administration, money movement, placing trades and ongoing client service. He currently holds his Series 7 and 66 licenses.
A lifelong native of Michigan, Mark obtained his BS Degree in Marketing and MBA in Accounting Information Systems from Davenport University. He currently resides in South Lyons, MI with his wife, Jennifer, and they have four boys, Michael, Stephen, Nicholas and Joseph. He stays active in the community through his church and volunteering through food drives for the homeless of Detroit. When away from the office, Mark loves to play golf, hockey and spend time with his loved ones.
A lifelong native of Michigan, Mark obtained his BS Degree in Marketing and MBA in Accounting Information Systems from Davenport University. He currently resides in South Lyons, MI with his wife, Jennifer, and they have four boys, Michael, Stephen, Nicholas and Joseph. He stays active in the community through his church and volunteering through food drives for the homeless of Detroit. When away from the office, Mark loves to play golf, hockey and spend time with his loved ones.
Contact Rick Rondy
Contact Bryan McNamara
Contact Timothy Majewski
Hear from Our Clients
Rick has been our Financial Advisor for two decades. Early on, Rick put together a detailed financial plan to help us navigate recessions and market vagaries. Rick's personal and supportive partnership style has been consistent in communicating 'the best way' forward. Rick's financial expertise, commitment to personal service and detailed follow-up has helped provide financial certainty and peace as we recently entered the retirement phase of our life. Rick truly cares for his clients!
Kev
Verified ClientOctober 31, 2023
We moved our investments to Morgan Stanley five years ago so Rick, Bryan, and Tim could help us accumulate wealth to sustain us into retirement.
Rick has offered unique and interesting avenues to invest our money. The entire team supports us, if one is busy there is always someone who can help if we need immediate assistance.
We want to continue our financial plan so we can travel, enjoy life, and feel secure when the market is fluctuating. We are very happy with our team at Morgan Stanley.
Kandy and Matt
Verified ClientNovember 27, 2023
Over the past 16 years, Bryan has helped us successfully managed our financial assets so that we are now in a position to enjoy our upcoming retirement to the fullest. The varied set of financial instruments that Bryan has set us up with at Morgan Stanley has helped enable us to be secure under the changing economic conditions that we face.
Thomas and Sally
Verified ClientNovember 21, 2023
Bryan M. has been our financial planner and wealth guide helping us on our journey to a successful and secure retirement that will last us for our lifetimes. We have trusted him for decades and have really enjoyed his encouragement to save, invest and meet our financial goals using his advice and experience. He has become family to us and we have relied on his keen knowledge and judgement to help us reach financial security. We trust him and believe you should as well.
Wallace
Verified ClientDecember 13, 2023
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
3846129 9/24
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
Joseph V. Portera
Private Banker
About Joseph V. Portera
Joseph Portera is a Private Banker serving Morgan Stanley Wealth Management offices in Michigan.
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.
Joseph began his career in financial services in 2002 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Commercial Lender and Market Director at JPMorgan Chase.
Joseph is a graduate of the Haworth College of Business at Western Michigan University where he received a Bachelor of Business Administration in Finance, and Keller Graduate School of Business where he received a Master’s in Business Administration in Finance & Accounting.
Joseph and his family currently reside in Grosse Pointe, MI. Outside of the office, he enjoys martial arts, skiing, tennis, and spending time with his family.
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.
Joseph began his career in financial services in 2002 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Commercial Lender and Market Director at JPMorgan Chase.
Joseph is a graduate of the Haworth College of Business at Western Michigan University where he received a Bachelor of Business Administration in Finance, and Keller Graduate School of Business where he received a Master’s in Business Administration in Finance & Accounting.
Joseph and his family currently reside in Grosse Pointe, MI. Outside of the office, he enjoys martial arts, skiing, tennis, and spending time with his family.
NMLS#: 1260889
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
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You Work Hard, Make Your 401(k) Plan Work Harder
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Working closely with you to guide your wealth and investments through the most challenging market cycles.
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Are You Prepared for Tax Day?
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
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Financial Planning for Life After Selling a Business
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Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
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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 Commonwealth Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Alternative 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.
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.
4When 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.
5Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
6Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
7Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
2Alternative 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.
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.
4When 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.
5Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
6Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
7Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
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Awards Disclosures
CRC 6491812 (04/2024)
