Phone:
(703) 556-8115(703) 556-8115
Corestone Haven Group at Morgan Stanley
Direct:
(703) 556-8100(703) 556-8100
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Story and Services
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your 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.
Services Include
- 401(k) Rollovers
- Alternative InvestmentsFootnote1
- Asset Management
- Business PlanningFootnote2
- Business Succession PlanningFootnote3
- Cash Management and Lending ProductsFootnote4
- Endowments and FoundationsFootnote5
- Estate Planning StrategiesFootnote6
- Financial PlanningFootnote7
- Long-term Care InsuranceFootnote8
- Philanthropic ManagementFootnote9
- Planning for Individuals with Special Needs and their Families
- Retirement PlanningFootnote10
- Sustainable InvestingFootnote11
- Wealth ManagementFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Corestone Haven Financial Planning Process
We provide comprehensive wealth planning and counseling for families and businesses. We have a goals based process which allows us to manage our clients' assets and liabilities in a prudent and assertive manner during all of their life stages.
Discovery
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we will help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we will analyze the impact of taxes and trading costs on potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Assessment
We will conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
Resources & Literature
Get the latest market news and content from Morgan Stanley.
GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance, and fixed income.
On The Markets Report
Every month, Morgan Stanley's top research analysts publish their "On the Markets" report, providing detailed market commentary on such topics as global equities, fixed income and monetary policy.
Location
1650 Tysons Blvd
Suite 1000
McLean, VA 22102
US
Direct:
(703) 556-8100(703) 556-8100
Meet Corestone Haven Group
Phone:
(703) 556-8144(703) 556-8144
Tori Fritz
Senior Registered Associate
Phone:
(703) 556-8105(703) 556-8105
About Daniel Shannon
Dan Shannon
Senior Vice President, Portfolio Management Director, Wealth Advisor
Dan is a highly seasoned Wealth Advisor who has established a solid reputation for providing financial advice and building a strong “personal business relationship” with each of his clients during a career that has spanned three decades.
Dan’s vast level of experience has enabled him to form perceptive insights that can only come from having worked through some of the more challenging market climates of our time.
Over his career, Dan has also built an extensive, far-reaching knowledge base in many important financial areas, most notably holistic financial planning, individual security selection, asset preservation, and retirement and estate planning strategies.
Equally important, Dan invests extensive time and resources getting to know each client on a highly personal basis. He fully understands that the more he learns about his clients, the more helpful, if not invaluable, he can be in their financial lives.
To Dan, nothing is more important than the financial success of his clients, and everything he does – and everything that his team members do – is conducted with that precise, all-important goal firmly in mind.
Senior Vice President, Portfolio Management Director, Wealth Advisor
Dan is a highly seasoned Wealth Advisor who has established a solid reputation for providing financial advice and building a strong “personal business relationship” with each of his clients during a career that has spanned three decades.
Dan’s vast level of experience has enabled him to form perceptive insights that can only come from having worked through some of the more challenging market climates of our time.
Over his career, Dan has also built an extensive, far-reaching knowledge base in many important financial areas, most notably holistic financial planning, individual security selection, asset preservation, and retirement and estate planning strategies.
Equally important, Dan invests extensive time and resources getting to know each client on a highly personal basis. He fully understands that the more he learns about his clients, the more helpful, if not invaluable, he can be in their financial lives.
To Dan, nothing is more important than the financial success of his clients, and everything he does – and everything that his team members do – is conducted with that precise, all-important goal firmly in mind.
Securities Agent: OH, MI, OR, OK, PA, NY, FL, DC, CA, DE, CT, RI, GA, NJ, ME, MD, MA, IL, VA, NC, AL, TX, SC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1275747
NMLS#: 1275747
About Me
Pat Kamfolt is a Vice President and Wealth Management Advisor at Morgan Stanley, where he works closely with high-net-worth families and business executives to help them navigate complex financial decisions with clarity and confidence. Since entering the financial services industry in 2015, Pat has built a reputation for delivering thoughtful, relationship-driven guidance rooted in integrity and long-term planning.
Before transitioning into wealth management, Pat ran his own business, where he gained firsthand insight into the financial complexities individuals and families face—both personally and professionally. That experience, along with navigating real-life challenges, fueled his passion for helping others build financial plans that are resilient, adaptable, and deeply personalized. He believes that every client deserves a plan that prepares them not just for the expected, but also for life's inevitable uncertainties.
With a deep understanding of comprehensive wealth management, Pat focuses on aligning clients’ financial strategies with their long-term goals—whether planning for retirement, managing generational wealth, or navigating major life transitions. He takes pride in developing lasting relationships and helping clients feel confident about their financial future.
Outside of work, Pat enjoys traveling, playing golf, and cheering on Ohio State football.
Before transitioning into wealth management, Pat ran his own business, where he gained firsthand insight into the financial complexities individuals and families face—both personally and professionally. That experience, along with navigating real-life challenges, fueled his passion for helping others build financial plans that are resilient, adaptable, and deeply personalized. He believes that every client deserves a plan that prepares them not just for the expected, but also for life's inevitable uncertainties.
With a deep understanding of comprehensive wealth management, Pat focuses on aligning clients’ financial strategies with their long-term goals—whether planning for retirement, managing generational wealth, or navigating major life transitions. He takes pride in developing lasting relationships and helping clients feel confident about their financial future.
Outside of work, Pat enjoys traveling, playing golf, and cheering on Ohio State football.
Securities Agent: NJ, RI, PA, MT, GA, MD, SC, OR, OK, OH, NY, MA, CT, CA, AL, SD, AZ, IL, MO, WV, MN, MI, WA, VA, TX, TN, ND, NV, NC, WI, ID, DC, KY, FL, DE, CO, ME; General Securities Representative; Investment Advisor Representative
NMLS#: 1444651
NMLS#: 1444651
About Tori Fritz
With close to two decades of industry experience, Tori is able to address a broad spectrum of her client’s administrative and operational needs seamlessly. Tori’s goal is to ensure that every client experience is personalized and exceptional.
Outside of the office Tori enjoys spending quality time with her friends and family. She lives in Northern Virginia.
Outside of the office Tori enjoys spending quality time with her friends and family. She lives in Northern Virginia.
Contact Daniel Shannon
Contact Pat Kamfolt
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
Liam Drennan
Private Banker
Rick Baray
Vice President, Financial Planning Director
Niko Nordstrom
Planning Associate
About Liam Drennan
Liam Drennan is a Private Banker serving Morgan Stanley Wealth Management offices in Virginia and Maryland.
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.
Liam began his career in financial services in 2019 and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was an Associate at the Janney Montgomery Scott. He also served as a Relationship Manager at Wells Fargo Business Banking.
Liam is a graduate of the George Mason University, where he received a Bachelor’s Degree in Economics. He lives in Arlington, Virginia. Outside of the office, Liam enjoys running, hiking, and playing golf with 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.
Liam began his career in financial services in 2019 and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was an Associate at the Janney Montgomery Scott. He also served as a Relationship Manager at Wells Fargo Business Banking.
Liam is a graduate of the George Mason University, where he received a Bachelor’s Degree in Economics. He lives in Arlington, Virginia. Outside of the office, Liam enjoys running, hiking, and playing golf with friends.
NMLS#: 2284330
About Rick Baray
Rick Baray is a vice president and financial planning director serving Morgan Stanley’s Wealth Management offices in Northern Virginia and Western Maryland. He is responsible for helping financial advisors with their clients’ and prospects’ financial planning needs.
Rick began his career in financial services in 2008 and joined Morgan Stanley in 2024. Prior to his current position, he was the head of financial planning for a local wealth management firm, specializing in clients that are in or near retirement.
Rick holds a bachelor’s degree in financial services, with a specialization in personal financial planning, from San Diego State University. He furthered his education by earning both a Master of Business Administration (MBA) and a Master of Advanced Finance degree from IE Business School in Madrid, Spain. Rick is both a CFA Charterholder and CERTIFIED FINANCIAL PLANNER™, combining rigorous quantitative skills with practical expertise. He takes pride in his ability to translate complex topics into clear, actionable insights for clients and colleagues.
Rick has resided in Washington, D.C. since 2020. Outside of his professional life, Rick is passionate about fitness and is a devoted animal lover. He shares his home with his three beloved dogs, who are an essential part of his life and bring him great joy.
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
© 2024 Morgan Stanley Smith Barney LLC. Member SIPC.
Rick began his career in financial services in 2008 and joined Morgan Stanley in 2024. Prior to his current position, he was the head of financial planning for a local wealth management firm, specializing in clients that are in or near retirement.
Rick holds a bachelor’s degree in financial services, with a specialization in personal financial planning, from San Diego State University. He furthered his education by earning both a Master of Business Administration (MBA) and a Master of Advanced Finance degree from IE Business School in Madrid, Spain. Rick is both a CFA Charterholder and CERTIFIED FINANCIAL PLANNER™, combining rigorous quantitative skills with practical expertise. He takes pride in his ability to translate complex topics into clear, actionable insights for clients and colleagues.
Rick has resided in Washington, D.C. since 2020. Outside of his professional life, Rick is passionate about fitness and is a devoted animal lover. He shares his home with his three beloved dogs, who are an essential part of his life and bring him great joy.
DISCLOSURE:
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
© 2024 Morgan Stanley Smith Barney LLC. Member SIPC.
About Niko Nordstrom
Niko Nordstrom is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define the goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Niko provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from the University of Arizona and received the Financial Planning Specialist® designation from the College for Financial Planning]. Niko is originally from Garwood, New Jersey and currently resides in Scottsdale, Arizona.
He earned his undergraduate degree from the University of Arizona and received the Financial Planning Specialist® designation from the College for Financial Planning]. Niko is originally from Garwood, New Jersey and currently resides in Scottsdale, Arizona.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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 Corestone Haven Group today.
1Alternative 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.
2Morgan 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
4Morgan Stanley Smith Barney LLC 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
5Morgan 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 (“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 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Products 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.
10When 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.
11The 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.
12Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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
2Morgan 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
4Morgan Stanley Smith Barney LLC 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
5Morgan 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 (“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 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Products 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.
10When 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.
11The 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.
12Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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)