Brian Driscoll
Senior Vice President, Financial Advisor, Corporate Retirement Director, Financial Wellness Director
Phone:
(212) 705-4594(212) 705-4594
David Blumenthal, QPFC
Vice President,
Financial Advisor
Direct:
(212) 692-2948(212) 692-2948
My Mission Statement
Helping clients simplify complexity, optimize opportunities, and create a financial foundation for long-term success
My Story and Services
David Blumenthal is a Vice President and Financial Advisor at Morgan Stanley, where he works with founders and business owners to help them reach their financial goals. As a Qualified Plan Financial Consultant (QPFC), David is dedicated to helping business leaders enhance their company’s retirement plans, seeking to ensure they meet the unique needs of both employers and employees.
With nearly two decades of experience in trading, transaction advisory, and financial advisory, David’s approach is shaped by a deep understanding of market dynamics, risk management, and strategic financial planning. Before transitioning to financial advisory, David spent years trading through major economic events and structuring complex financial transactions. This experience provides a robust foundation in managing volatility and uncertainty, allowing him to design holistic strategies that extend beyond traditional asset allocation.
David’s early interest in finance led him to purse a degree in Economics from the University of Michigan and an MBA from the Kelley School of Business at Indiana University. His analytical nature and dedication to understanding the capital markets laid the groundwork for his successful career in investment banking and trading, equipping him with the skills needed to craft informed, proactive investment strategies.
Outside of work, David is actively involved in his community, contributing to the University of Michigan Club of New York City and being a proud member of the Imerman Angels. He resides in Manhattan with his wife, Ginger. David remains close to his roots in Chicago, where his parents still live. In his downtime, he enjoys activities that refine his strategic thinking and love for competition, such as chess and backgammon, along with staying active on the golf course and hockey rink.
Disclaimer:
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
With nearly two decades of experience in trading, transaction advisory, and financial advisory, David’s approach is shaped by a deep understanding of market dynamics, risk management, and strategic financial planning. Before transitioning to financial advisory, David spent years trading through major economic events and structuring complex financial transactions. This experience provides a robust foundation in managing volatility and uncertainty, allowing him to design holistic strategies that extend beyond traditional asset allocation.
David’s early interest in finance led him to purse a degree in Economics from the University of Michigan and an MBA from the Kelley School of Business at Indiana University. His analytical nature and dedication to understanding the capital markets laid the groundwork for his successful career in investment banking and trading, equipping him with the skills needed to craft informed, proactive investment strategies.
Outside of work, David is actively involved in his community, contributing to the University of Michigan Club of New York City and being a proud member of the Imerman Angels. He resides in Manhattan with his wife, Ginger. David remains close to his roots in Chicago, where his parents still live. In his downtime, he enjoys activities that refine his strategic thinking and love for competition, such as chess and backgammon, along with staying active on the golf course and hockey rink.
Disclaimer:
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Corporate Retirement PlansFootnote3
- Cash Management and Lending ProductsFootnote4
- Business Succession PlanningFootnote5
- Professional Portfolio ManagementFootnote6
- Wealth PlanningFootnote7
- Endowments and FoundationsFootnote8
- Estate Planning StrategiesFootnote9
- Trust AccountsFootnote10
- Alternative InvestmentsFootnote11
Securities Agent: NJ, CO, UT, PA, DC, CA, VA, TX, NY, NC, MD, CT, FL, WA, IL, MI, OH; General Securities Representative; Investment Advisor Representative
NMLS#: 2656370
NMLS#: 2656370
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
My Process
Wealth Management is both an art and a science. Sound guidance requires a balance of empathy and experience. By providing highly personalized Wealth Management solutions, I am dedicated to helping you prepare for virtually all of your financial obligations and aspirations so that you may enjoy the financial independence you have worked so hard to achieve.
Step 1: Discovery Process
This in-depth conversation provides me with the opportunity to get to know you, while also discovering various aspects of your life that have an impact on your financial future. This allows me to develop strategies and customize the relationship to help best meet your needs, goals, and objectives.
Step 2: Financial Game Plan
I will work with you to develop an integrated financial game plan that brings your financial situation into focus and helps put your wealth to work. This plan will reflect your needs, goals, and objectives that were outlined during the Discovery Process.
Step 3: Execute The Plan
After comprehensive due diligence using a transparent, clearly defined, and risk-adjusted process, along with an analysis of expected results across multiple market scenarios, strategies are chosen from Morgan Stanley's expansive investment portfolio.
Step 4: Active Communication
I will conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to your changing financial needs. I find that actively communicating with my clients is the key to a good relationship.
Dedicated Services
I provide a wide array of services centered on your financial goals. I believe that identifying financial solutions begins with a solid understanding of each clients' situation, goals, objectives, and risk tolerance. I follow a disciplined process that enables me to work with you to craft customized solutions that help to meet your individual financial needs.
Wealth Management
For 90 years, Morgan Stanley has been a global leader in financial services, with the scale and stability to help bring you valuable opportunities. My priority is managing wealth with the highest standard of care and providing financial advice to help support your goals at any stage of life.
Financial Planning
I'm here to help reduce the stress around financial decisions by offering knowledge and thoughtful guidance. As your life stage changes, so do your goals. Our platform allows you to look across your assets and liabilities to help you adapt your strategy to meet those changing demands. Whether it is saving for retirement and other expenses, securing retirement income, healthcare planning, taxes, education, or legacy planning, I'm here for you.
Corporate Retirement Plans
The decisions you make about your workplace retirement plan can benefit you for years to come. I'll help you understand and put your resources to work, so you can plan, invest, and transition to retirement with confidence.
Cash Management & Lending Products
Morgan Stanley has a full suite of Cash Management Solutions for your Cash Needs. At Morgan Stanley, we recognize that clients and their families have unique needs that require dedicated expertise and capabilities. Our cash management and lending solutions are designed to meet these unique needs.
Business Succession Planning
Successful businesses establish a shared mission and a succession plan to endure for generations to come. It is vital to establish a process to evaluate leadership in the business, using an assessment that measures qualifications, skillsets and interests.
Professional Portfolio Management
I study investment trends and leverage the global resources of Morgan Stanley to develop a personalized investment strategy. I will develop a customized portfolio to help meet your requirements for growth, income, and wealth preservation within your risk constraints.
Online Tools And Features Available To You
Morgan Stanley strives to ensure it serves clients on its technology platforms that are resilient, safe, efficient, and smart. As a part of my services, these resources are readily available to all of my clients. Learn more about each tool and feature to see how it could easily help to manage and secure your financial journey.
Morgan Stanley Online (MSO)
Beyond viewing your account balance and activity, Morgan Stanley Online (MSO) has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with eAuthorization.
Morgan Stanley Mobile App
Securely access your Morgan Stanley account from virtually anywhere. Simply download it on your mobile device and use your Morgan Stanley Online username and password to log in. From there you will have the resources of MSO on the go.
LifeView® Portal
LifeView® is a suite of planning tools that includes goal-specific analysis that I use with my clients to create a realistic, holistic strategy that integrates the various aspects of an individual's financial life, including investments and cash management needs.
Goals Planning System (GPS)
As a Morgan Stanley client with a Goals Planning System (GPS) retirement plan, you can now access and view your plan's status and progress on Morgan Stanley Online (MSO) and Morgan Stanley Mobile (MSM).
Portfolio Risk Platform (Aladdin)
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides a holistic view to better enable risk to be effectively monitored and managed.
Total Wealth View
It's hard to see the full picture with only half of the details. As a Morgan Stanley client, you can now conveniently view your accounts from other financial institutions on Morgan Stanley Online or by using the Morgan Stanley Mobile App, giving you a more complete financial picture.
Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts. Our Spending and Budgeting Tool makes it easy for you and your Financial Advisor to see your complete financial picture.
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Digital Vault
Digital Vault lets you easily and conveniently manage and share life's most important documents, such as wills, deeds, and estate plans, as well as financial statements and tax filings.
eDelivery
You shouldn't have to wait for important paperwork like statements, tax documents, or trade confirmations. With eDelivery, you'll get email notifications as soon as they're available on Morgan Stanley Online.
eAuthorizations
eAuthorizations allows you to approve transactions electronically and securely on Morgan Stanley Online and the Morgan Stanley Mobile App.
eSign
eSign is a digital, paperless alternative to the traditional means of obtaining signatures from clients on paperwork. There is no registration process for you to begin using eSign; all you need is a valid email address and phone number.
Important Research & Information Available To You
As a part of my services, I will have the ability to provide Morgan Stanley's Award-Winning Research along with any timely and important information that may be valuable to you.
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
On The Markets Monthly Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Mike Wilson's Perspective
Mike Wilson is Chief U.S. Equity Strategist and Chief Investment Officer for Morgan Stanley. As CIO and Chair of the Global Investment Committee, Mike offers a unique perspective on markets to both institutional and wealth management clients, leveraging best-in-class research.
Thoughts on the Market Podcasts
With perspectives on the forces shaping the market, Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Research & Insights
Through timely, in-depth analysis of companies, industries, markets, and world economies, Morgan Stanley has earned its reputation as a leader in the field of investment research.
Timely Ideas
Morgan Stanley Investment Research is one of the financial industry's dominant thought leaders in equity and fixed-income investing. Our analysts, economists, and strategists have earned this reputation through timely, in-depth analysis of companies, industries, markets and the world's economies. Our teams collaborate to assist Morgan Stanley clients with investment decisions, identifying opportunities across major asset classes and geographies.
2024 Income Tax Tables
Federal Tax Information for 2024, including Income Tax Tables, Contribution Limits, Deadlines, etc.
2025 Income Tax Tables
Federal Tax Information for 2025, including Income Tax Tables, Contribution Limits, Deadlines, etc.
Location
55 East 52nd Street 10th
Fl
New York, NY 10055
US
Direct:
(212) 692-2948(212) 692-2948
Meet My Team
About Brian Driscoll
Brian P. Driscoll is a Senior Vice President and Financial Advisor with Morgan Stanley. Brian serves the advisory needs of High-Net-Worth Individuals, Private Business Owners, Entrepreneurs, and Medical Groups, and seeks to add value across the entirety of their assets. While Brian maintains his primary office in New York, his practice is national in scope. Brian’s hands-on and attentive process enables him to identify personalized risk profiles and build customized portfolios that address clients’ specific objectives. He addresses both sides of the balance sheet and works closely with attorneys and CPAs to integrate various elements of each financial situation into one cohesive picture. Brian has a particular affinity for helping business owners with the full breadth of their sophisticated requirements. Brian is experienced in offering corporate retirement planning and carries the designation of Corporate Retirement Director, a designation allocated to about 2% of Financial Advisors within Morgan Stanley as of December 2024, and Financial Wellness Director.
With a career dedicated exclusively to Financial Services, Brian has more than 40 years of experience that spans numerous disciplines. In that time, he has served as a Commercial Lending Officer, Private Banker, and New Business Developer. He also honed his skills with Institutional Sales, where he refined Fixed Income Strategies for Hedge Funds, Banks, Municipalities, and High-Net-Worth Clients. Brian’s Wealth Management Insights have been developed through different market cycles covering multiple asset classes. Brian believes that this background coupled with Morgan Stanley’s industry leading research are integral ingredients for his clients’ success.
Brian began his Financial Services Career in 1979 at Irving Trust prior to the merger with what is now BNY Mellon. In the succeeding years, he worked at Cantor Fitzgerald, Tullett & Tokyo Securities, Lehman Brothers, Barclays Wealth, and J.P. Morgan Securities. Brian has been with Morgan Stanley since June of 2021, where he was drawn to the firm’s diverse investment platform, client-first culture, and their 87-year history of serving individuals and institutions alike.
A graduate of St. John’s University, Brian earned a B.S. in Business Management and Marketing. Brian formerly sat on the Advisory Board of the Denver Medical Study Group and has spoken nationally about financial concerns and strategies that impact the healthcare industry.
Brian is a native of Queens Village, New York, and resides in Monmouth County, New Jersey with his wife Sheila. Together, they have two adult children. Brian and his family are active volunteers in Habitat for Humanity (New Jersey) and St. Martin’s Soup Kitchen (New Jersey).
Securities Agent: CO, VA, NC, FL, TX, CA, WA, UT, NJ, PA, NY, MD, DC, CT, OH; General Securities Representative; Investment Advisor Representative
NMLS#: 836262
With a career dedicated exclusively to Financial Services, Brian has more than 40 years of experience that spans numerous disciplines. In that time, he has served as a Commercial Lending Officer, Private Banker, and New Business Developer. He also honed his skills with Institutional Sales, where he refined Fixed Income Strategies for Hedge Funds, Banks, Municipalities, and High-Net-Worth Clients. Brian’s Wealth Management Insights have been developed through different market cycles covering multiple asset classes. Brian believes that this background coupled with Morgan Stanley’s industry leading research are integral ingredients for his clients’ success.
Brian began his Financial Services Career in 1979 at Irving Trust prior to the merger with what is now BNY Mellon. In the succeeding years, he worked at Cantor Fitzgerald, Tullett & Tokyo Securities, Lehman Brothers, Barclays Wealth, and J.P. Morgan Securities. Brian has been with Morgan Stanley since June of 2021, where he was drawn to the firm’s diverse investment platform, client-first culture, and their 87-year history of serving individuals and institutions alike.
A graduate of St. John’s University, Brian earned a B.S. in Business Management and Marketing. Brian formerly sat on the Advisory Board of the Denver Medical Study Group and has spoken nationally about financial concerns and strategies that impact the healthcare industry.
Brian is a native of Queens Village, New York, and resides in Monmouth County, New Jersey with his wife Sheila. Together, they have two adult children. Brian and his family are active volunteers in Habitat for Humanity (New Jersey) and St. Martin’s Soup Kitchen (New Jersey).
Securities Agent: CO, VA, NC, FL, TX, CA, WA, UT, NJ, PA, NY, MD, DC, CT, OH; General Securities Representative; Investment Advisor Representative
NMLS#: 836262
Securities Agent: CO, VA, NC, FL, TX, CA, WA, UT, NJ, PA, NY, MD, DC, CT, OH; General Securities Representative; Investment Advisor Representative
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
Kyle Witte, CFP®
Financial Planning Director, Vice President
Joe Perillo
Private Banker
About Kyle Witte
Kyle Witte, CFP® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Midtown Manhattan. He is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Kyle began his career in financial services with Morgan Stanley in 2012. Prior to his current position, he worked with the financial planning product development team.
Kyle graduated from Florida State University and holds his Certified Financial Planner® designation. He lives on the West Side of Manhattan and appreciates all the perks of a walkable city. Outside of work, he enjoys traveling with friends, reading, football, soccer, and fundraising for a community golf tournament held annually in Florida.
Kyle began his career in financial services with Morgan Stanley in 2012. Prior to his current position, he worked with the financial planning product development team.
Kyle graduated from Florida State University and holds his Certified Financial Planner® designation. He lives on the West Side of Manhattan and appreciates all the perks of a walkable city. Outside of work, he enjoys traveling with friends, reading, football, soccer, and fundraising for a community golf tournament held annually in Florida.
About Joe Perillo
Joe Perillo is a Private Banker serving Morgan Stanley Wealth Management offices in New York City.
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.
Joe began his career in financial services in 2000 and joined Morgan Stanley in 2016 as an Associate Private Banker. Prior to joining the firm, he was an Equity Trader at Southwest Securities and an Advisor Consultant at PIMCO.
Joe is a graduate of Le Moyne College, where he received Bachelor of Science in Finance. He lives in Westchester, NY with his wife and family. Outside of the office, Joe enjoys coaching his son’s baseball and football teams. He also enjoys boxing, skiing, and golfing, as well as traveling.
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.
Joe began his career in financial services in 2000 and joined Morgan Stanley in 2016 as an Associate Private Banker. Prior to joining the firm, he was an Equity Trader at Southwest Securities and an Advisor Consultant at PIMCO.
Joe is a graduate of Le Moyne College, where he received Bachelor of Science in Finance. He lives in Westchester, NY with his wife and family. Outside of the office, Joe enjoys coaching his son’s baseball and football teams. He also enjoys boxing, skiing, and golfing, as well as traveling.
NMLS#: 1560646
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
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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
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Ready to start a conversation? Contact David Blumenthal 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.
3When 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.
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 or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Morgan Stanley’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.
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.
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.
8Morgan 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.
9Morgan 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.
10Morgan 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.
11Alternative 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.
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.
3When 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.
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 or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Morgan Stanley’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.
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.
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.
8Morgan 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.
9Morgan 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.
10Morgan 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.
11Alternative 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.
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.
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Awards Disclosures
CRC 6491812 (04/2024)
