Darren Wollrich
Vice President, Wealth Management,
Portfolio Manager,
Lending Specialist
Direct:
(415) 693-6141(415) 693-6141
My Mission Statement
Lead with integrity and empower clients to make better financial decisions through holistic financial planning, education, and risk management.
My Story and Services
Growing up, Darren's passion for finance and investing was fostered by his grandmother. Together they would read the Investor's Business Daily and the Wall Street Journal. These conversations instilled in Darren the importance of financial responsibility from an early age.
Prior to joining Morgan Stanley, Darren was entrusted with managing the home office of a very wealthy individual without immediate family. When his boss's health issues left him unable to manage his own affairs, Darren stepped up to become his patient advocate, facilitating the implementation of his estate plan. This experience emphasized the importance of having a solid financial and estate plan, and inspired Darren to make it his mission to help others plan for their futures.
Since joining Morgan Stanley in February 2015, Darren has dedicated himself to building strong relationships with clients that go beyond mere transactions. He prioritizes earning his clients' trust and respect, and uses his extensive expertise to craft custom wealth plans. To ensure his clients receive the best possible care, Darren works closely with a team of specialists, including estate planning attorneys and private bankers who can address lending needs.
When he's not working, Darren cherishes spending time with his wife and young daughter. They split their time between Southern California and the Bay area. They enjoy being a part of their church community, attending the San Francisco Ballet, and exploring the exhibits at SFMOMA. Darren is also passionate about cooking, vegetable gardening, and supporting his local food bank, which allows him to give back to his community in meaningful ways.
Prior to joining Morgan Stanley, Darren was entrusted with managing the home office of a very wealthy individual without immediate family. When his boss's health issues left him unable to manage his own affairs, Darren stepped up to become his patient advocate, facilitating the implementation of his estate plan. This experience emphasized the importance of having a solid financial and estate plan, and inspired Darren to make it his mission to help others plan for their futures.
Since joining Morgan Stanley in February 2015, Darren has dedicated himself to building strong relationships with clients that go beyond mere transactions. He prioritizes earning his clients' trust and respect, and uses his extensive expertise to craft custom wealth plans. To ensure his clients receive the best possible care, Darren works closely with a team of specialists, including estate planning attorneys and private bankers who can address lending needs.
When he's not working, Darren cherishes spending time with his wife and young daughter. They split their time between Southern California and the Bay area. They enjoy being a part of their church community, attending the San Francisco Ballet, and exploring the exhibits at SFMOMA. Darren is also passionate about cooking, vegetable gardening, and supporting his local food bank, which allows him to give back to his community in meaningful ways.
Services Include
- AnnuitiesFootnote1
- Alternative InvestmentsFootnote2
- Cash ManagementFootnote3
- Cash Management and Lending ProductsFootnote4
- Endowments and FoundationsFootnote5
- Estate Planning StrategiesFootnote6
- Executive Financial ServicesFootnote7
- Life InsuranceFootnote8
- Long-term Care InsuranceFootnote9
- Philanthropic ManagementFootnote10
- Professional Portfolio ManagementFootnote11
- Retirement PlanningFootnote12
- Trust ServicesFootnote13
- Wealth ManagementFootnote14
Securities Agent: UT, DC, CO, WY, VA, MI, MA, ID, DE, CA, TX, OH, NY, NC, GA, FL, PA, OK, MN, IL, AR, IN, AZ, OR, NE, MT, MD, NV, NJ, HI, WA, NM, NH; General Securities Representative; Investment Advisor Representative
NMLS#: 1406592
CA Insurance License #: 0K39931
NMLS#: 1406592
CA Insurance License #: 0K39931
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
WORKING WITH YOU
With greater wealth comes greater complexity. My practice offers personalized financial solutions and services to a diverse range of clients, including individuals, families, and small businesses. I work closely with clients to understand their unique financial goals and objectives, and develop customized strategies to help them achieve their desired outcomes.
Comprehensive Wealth Planning
Wealth management goes far beyond investments. The key to achieving the future you envision is a goals-based plan based on you—where you are today, how far you have to go and what you need to do to get there.
Multi-Generational Families
My financial planning process for multi-generational families includes a rigorous analysis of your lifestyle spending, tax obligations, and future gifting plans. This analysis drives our strategy as it pertains to financial and estate planning for wealth preservation, tax optimization, investment allocation, and asset gifting decisions.
Investment Management
I will devise and implement investment strategies and processes to help you meet your goals and constraints. Additionally, my team will construct and manage portfolios and make informed decisions on what and when to buy and sell investments.
Business Owners
I work with business owners, helping them to create a comprehensive Wealth Plan based on their businesses and personal financial goals. This may include considerations of continuity of a business within a family or a planned eventual sale of the business.
Tax, Trust & Estate Advisory
Building, protecting and passing on a legacy involves much more than investing wisely. It requires careful analysis of your objectives, intelligent structuring of your assets and integrated, strategic planning and implementation.
Women & Wealth
Whether you are a single woman or mother, a divorcee or widow, or a happily married woman in charge of the finances, I want to assist you in education, resources and planning to help you navigate all things financial.
Cash Management & Lending
Complement your investment strategy and benefit from greater flexibility when you take advantage of our industry-leading cash management and financing solutions. Smart use of borrowing can help provide funding for personal, business or real estate needs– potentially without selling your investments.
Corporate Executives
Working with executives comes with its own unique set of challenges. When investing I know that clients want to keep as much as they can of what they earn. I am are here to help you create a strategy that will minimize the taxes paid on investments.
Risk Management
Uncertainty can’t be erased, but it can be mitigated. Our sophisticated Portfolio Risk Platform (Aladdin) stress tests your portfolio against 70+ scenarios. These risk analytics are integrated throughout the investment process.
Corporate Retirement Plans
I cater to institutional clients looking to develop and manage their corporate retirement plans. Let me bring my experience and Morgan Stanley's resources to the table to take this burden off of you.
INDIVIDUAL PLANS FOR INDIVIDUALS LIKE YOU
Goals you set today will evolve over time. My process is designed to evolve with them- and with the changing circumstances of your life. Holistic in its approach, my planning process will encompass all the elements of your financial and personal life, making sure they align with your current and future goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, I can help you take charge of your financial future and strive towards your goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, I can help you take charge of your financial future and strive towards your goals.
1. Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables me to formulate strategies and customize the relationship to your needs.
Financial Planning Questionnaire
This questionnaire will help me create a personalized strategy for you and can enhance our conversation around your long-term goals.
Access the Financial Planning Questionnaire
2. Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, I help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Questions to Consider for Estate Planning
Total Tax 365
Total Tax 365 is our full spectrum of year-round, active tax management strategies, tailored to help you minimize tax drag in your portfolio. It's vital to look at your entire portfolio and coordinate any sales to help reduce the impact of taxes and potentially improve investment results.
Tax-Smart Investing
3. 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.
Aladdin - Intelligent Risk Management
Key features of the Portfolio Risk Tool, Aladdin, include broadly managing risk, identifying risk-based concerns and constructing risk-mitigated portfolios.
More on Our Portfolio Risk Tool
4. Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, I'll analyze the impact of taxes and trading costs on potential returns.
Intelligent Withdrawals
Intelligent Withdrawal gives us the ability to look across multiple accounts and products to identify the right combination of securities and tax lots to sell so you can help meet spending needs while making the most out of your hard-earned money.
5. 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.
Morgan Stanley Impact Quotient (MSIQ)
Developed through proprietary technology and analytics, Morgan Stanley IQ is a patented tool that gives our clients the ability to understand the environmental and social impact of their investments.
Read More on MSIQ
6. Ongoing Assessment of Wealth Management Needs
In coordination with your other advisors, I can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
Spending & Budgeting
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool.
Access the Spending and Budgeting ToolValuable Tools and Resources
Morgan Stanley's comprehensive suite of digital tools are designed to help enhance your financial life. Below are a few of the technologies we have to offer our clients. I have also included resources meant to transform complex financial analysis and research into concise content.
Morgan Stanley Online (MSO)
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity. Features include paperless documents, bill pay and secure account management.
Morgan Stanley Online (MSO) & MS Mobile
Thoughts on the Markets Podcast
With perspectives on the forces shaping the market, join Morgan Stanley's Chief Investment Officer and Chief US Equity Strategist as they discuss their viewpoints regarding the latest trends in the financial marketplace.
Check Out the Latest Episode
Total Wealth View
With this service, you can view all your investments together – whether they are held at Morgan Stanley or elsewhere.
Total Wealth View Client Guide
On The Markets Research 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.
Read this Month's Research Report
eAuthorizations
eAuthorizations allow you to electronically authorize domestic and international, one-time/recurring transactions through Morgan Stanley Online and the Morgan Stanley Mobile App.
eAuthorizations Client Guide
Morgan Stanley Ideas
Read our perspective on what's shaping the world today, and tomorrow. We cover topics ranging from health care, sustainability, macroeconomics and technology.
Explore Our Ideas
Cash Management and Lending
Complement your investment strategy and benefit from greater flexibility when you take advantage of our industry-leading financing solutions.
Financial Literacy for Any Stage of Your Life
Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. No matter your current priorities, a strong financial literacy foundation can help you meet your goals.
Financial Literacy for Any Stage of Your Life
Digital Vault
The Digital Vault on Morgan Stanley Online allows you to build a centralized document library where all documents are stored using encryption.
Digital Vault Client Guide
2024 Tax Tables
Please view the following attachment to find the 2024 federal tax tables.
2024 Tax TablesPROTECTING 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.
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.
Security Features and Proactive 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
101 California St 23rd
Fl
San Francisco, CA 94111
US
Direct:
(415) 693-6141(415) 693-6141
Fax:
(415) 872-1470(415) 872-1470
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact Darren Wollrich today.
1Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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 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
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 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Products 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.
11Morgan 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.
12When 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.
13Morgan 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.
14Morgan 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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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 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
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 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Products 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.
11Morgan 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.
12When 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.
13Morgan 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.
14Morgan 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)
