Ian Linde, Registered Client Service Associate
Phone:
(707) 524-1029(707) 524-1029
Culley Casey, CRPC®
Senior Vice President,
Financial Advisor,
Family Wealth Advisor,
Investment Management Consultant
Direct:
(707) 524-1038(707) 524-1038
Toll-Free:
(800) 777-3489(800) 777-3489
My Mission Statement
I provide straightforward financial guidance tailored to your goals, helping you make informed decisions to help build, grow, and protect your financial future with confidence. With a clear and strategic approach, I help you stay on track and make the most of your financial goals.
My Story and Services
Culley is a seasoned financial services professional with nearly 37 years of experience, and his enduring passion and continue supporting the relationships he has built over the years. Since launching his career in 1988, he has excelled in diverse roles, from Assistant Branch Manager to Financial Planning Specialist, Family Wealth Advisor and Investment Management Consultant, continually sharpening his expertise.
At Morgan Stanley, Culley and his trusted partners craft personalized wealth strategies for individuals, families, and small businesses. With a deep commitment to understanding each family's unique needs and financial aspirations, he leverages his extensive planning and investment know-how—backed by his Series 7, 9, 10, 31, and 63 designations—to help clients achieve their goals.
Beyond his professional endeavors, Culley is a dedicated community leader. For more than 13 years, he has served as Board President of the Mission San Rafael Rotary Club Foundation, helping to secure academic scholarships for high-achieving students from low-income households. His serviced roles on the finance committee at the Redwoods Retirement Community Center, a presidency at Rebuilding Together-Marin, and even a decade of coaching youth baseball.
When he's not busy steering financial futures or contributing to his community, Culley unwinds by playing blues and rock with his band, fishing, and traveling. He and his wife, Lynnette, are proud parents of three accomplished children—each following their own impressive paths. Their son Raymond honorably served in the Army Special Forces in Iraq and Afghanistan, daughter Jaime enriched her life with a two-year Peace Corps journey in Lesotho before earning a Master’s degree in psychology, and her and her spouse, Matt, are raising two beautiful girls. Their youngest son, Cameron, is a four-time state qualifying wrestler now pursuing a medical degree.
At Morgan Stanley, Culley and his trusted partners craft personalized wealth strategies for individuals, families, and small businesses. With a deep commitment to understanding each family's unique needs and financial aspirations, he leverages his extensive planning and investment know-how—backed by his Series 7, 9, 10, 31, and 63 designations—to help clients achieve their goals.
Beyond his professional endeavors, Culley is a dedicated community leader. For more than 13 years, he has served as Board President of the Mission San Rafael Rotary Club Foundation, helping to secure academic scholarships for high-achieving students from low-income households. His serviced roles on the finance committee at the Redwoods Retirement Community Center, a presidency at Rebuilding Together-Marin, and even a decade of coaching youth baseball.
When he's not busy steering financial futures or contributing to his community, Culley unwinds by playing blues and rock with his band, fishing, and traveling. He and his wife, Lynnette, are proud parents of three accomplished children—each following their own impressive paths. Their son Raymond honorably served in the Army Special Forces in Iraq and Afghanistan, daughter Jaime enriched her life with a two-year Peace Corps journey in Lesotho before earning a Master’s degree in psychology, and her and her spouse, Matt, are raising two beautiful girls. Their youngest son, Cameron, is a four-time state qualifying wrestler now pursuing a medical degree.
Securities Agent: MT, WA, NY, MA, MD, VA, AZ, WY, TX, SC, FL, UT, CO, OR, NV, CA, WI, ID, TN, NJ, IL, AK; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1310748
CA Insurance License #: 0A44016
NMLS#: 1310748
CA Insurance License #: 0A44016
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Advice Matters
As your life and career evolve, so do your goals. We help you answer critical financial questions and adapt your strategy to meet your evolving needs. Below are some of the questions we help our clients solve every day.
Financial Basics
How do I reduce my debt?
How do I teach my children about money?
I have so many goals and priorities, how can one investment strategy balance them all?
How do I teach my children about money?
I have so many goals and priorities, how can one investment strategy balance them all?
Life Events
What are my options if I'm laid off at work?
How do I prepare for a more secure future if I get divorced or I lose my spouse?
What happens if I must care for my parents?
How do I prepare for a more secure future if I get divorced or I lose my spouse?
What happens if I must care for my parents?
Retirement
When can I stop working?
What do I need to do BEFORE I retire?
What should I do with my employer retirement plan?
When should I start taking social security?
What do I need to do BEFORE I retire?
What should I do with my employer retirement plan?
When should I start taking social security?
Getting Older
How do I ensure my parents have the comprehensive care they need and deserve?
What happens to the management of my assets, should I become incapacitated?
What happens to the management of my assets, should I become incapacitated?
Managing Risk
Does my asset allocation make sense given my risk tolerance?
Will my family be secure if something happens to me?
How do I help ensure my assets are protected from cyber-attacks?
Will my family be secure if something happens to me?
How do I help ensure my assets are protected from cyber-attacks?
Approach
Discovery Process
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 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 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
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
Alternative Investment Categories at a Glance
Hedge Funds
Hedged strategies can help manage portfolio volatility, while seeking enhanced risk-adjusted returns relative to traditional equity and fixed income markets.
Digital Assets
Digital assets, such as cryptocurrencies, offer speculative investors the potential for both growth and inflation risk mitigation.
Private Equity
Private market investment approaches, such as private company buyouts, growth equity and venture capital generally seek higher growth and additional diversification relative to traditional equity markets.
Real Estate / Real Assets
Assets such as private real estate and infrastructure offer investors the potential for both appreciation growth and tax-advantaged income while helping to mitigate inflation risk over time
Tax-Advantaged Strategies
Strategies, such as concentrated stock exchange funds, 1031 real estate exchanges, real estate opportunity zones, private placement variable annuity and life insurance structures offer investors a means of additional diversification with the added benefit of reducing or deferring tax liability
Private Credit
Private corporate lending and private real estate lending offer the potential for higher income relative to traditional fixed income markets; additionally, distressed credit investing may serve as an opportunistic means of generating risk-adjusted growth
Our Commitment to Your Online Security
Your security is our top priority. Morgan Stanley proactively defends our systems and monitors our digital landscapes to anticipate issues before they arise and respond appropriately when they do.
The firm is actively supporting multiple layers of security. Security includes the following; Strong encryption protocols designed to protect your data, continuous monitoring to help detect and prevent fraudulent activity in your accounts, routine testing of our systems to identify potential vulnerabilities, and independent reviews by outside security firms to penetration test our applications and evaluate our processes.
Cybersecurity Best Practices
- Safeguarding your personal information is one of our highest priorities. While many of us continue to work from home we find ourselves utilizing technology more now than ever. For some tips and tricks that can help you be more secure check out our cybersecurity center.
Protective Measures & Preemptive Defense
- Multi-Factor Authentication (MFA)
- Alerts and Notifications
- Automatic Session Time Out
- VoiceID
- Fraud Detection and Prevention
- Digital Tools
- Cybersecurity Fusion Centers
- Threat Landscape Monitoring
- Employee Training and Testing
Location
3562 Round Barn Circle
1st Fl
Santa Rosa, CA 95403
US
Direct:
(707) 524-1038(707) 524-1038
Toll-Free:
(800) 777-3489(800) 777-3489
Fax:
(415) 482-2750(415) 482-2750
Meet My Team
About Ian Linde
Ian Linde is a Registered Client Service Associate supporting Financial Advisor, Culley Casey, at Morgan Stanley. He assists with the development and growth of the practice by optimizing new and existing client relationships through active communication, efficient processing of client requests and handling inquiries.
Ian joined Morgan Stanley in December of 2023. Previously, he graduated from Cal Poly, San Luis Obispo with a bachelor’s degree of science with a major in Financial Management. He worked at a boutique winery in San Luis Obispo for two years and still enjoys being in the wine industry in his spare time. Ian stays busy by working out, spending time with friends, and rooting on Bay Area sports teams.
Ian joined Morgan Stanley in December of 2023. Previously, he graduated from Cal Poly, San Luis Obispo with a bachelor’s degree of science with a major in Financial Management. He worked at a boutique winery in San Luis Obispo for two years and still enjoys being in the wine industry in his spare time. Ian stays busy by working out, spending time with friends, and rooting on Bay Area sports teams.
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
Farbod Farman
Associate Private Banker
Cindy W. Lee
Private Banker
About Farbod Farman
Farbod Farman is an Associate Private Banker serving Morgan Stanley Wealth Management offices in California.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Farbod began his career in financial services in 2015, and joined Morgan Stanley in 2022 as an Associate Private Banker. Prior to joining the firm, he was an Associate Banker at Citi Private Bank. He also served as a Brokerage Associate at Wells Fargo.
Farbod is a graduate of the Hawaii Pacific University, where he received a Bachelor of Science in Business Administration with a concentration in International Business, and Missouri State University – West Plains, where he received his Associate in Arts degree in General Studies. He lives in San Rafael, California with his spouse. Outside of the office, Farbod enjoys working out, playing video games, watching movies, spending time with his family, volunteering and traveling. Farbod played basketball in college in the US, and for the Iranian National Team and represented them in many international tournaments including Asian Championship Cup and the World Cup.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Farbod began his career in financial services in 2015, and joined Morgan Stanley in 2022 as an Associate Private Banker. Prior to joining the firm, he was an Associate Banker at Citi Private Bank. He also served as a Brokerage Associate at Wells Fargo.
Farbod is a graduate of the Hawaii Pacific University, where he received a Bachelor of Science in Business Administration with a concentration in International Business, and Missouri State University – West Plains, where he received his Associate in Arts degree in General Studies. He lives in San Rafael, California with his spouse. Outside of the office, Farbod enjoys working out, playing video games, watching movies, spending time with his family, volunteering and traveling. Farbod played basketball in college in the US, and for the Iranian National Team and represented them in many international tournaments including Asian Championship Cup and the World Cup.
NMLS#: 1619986
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
Ready to start a conversation? Contact Culley Casey today.
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.
2Morgan 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.
3Alternative 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.
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
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan 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
7An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
8When 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Alternative 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.
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
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan 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
7An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
8When 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.
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)
