David Charton
Executive Director, Wealth Management,
Financial Advisor,
Global Sports and Entertainment Director
Direct:
(617) 589-3477(617) 589-3477
Toll-Free:
(800) 752-2678(800) 752-2678
My Mission Statement
Dedicated to helping deliver highly responsive and individualized solutions to his clients, using a focused, objective planning process.
About Me
As an Executive Financial Services Director David helps develop and implement wealth management strategies for clients while leveraging the vast resources at Morgan Stanley. He is dedicated to helping deliver highly responsive and individualized solutions to his clients, using a focused, objective planning process. David's practice serves corporate executives, athletes, entertainers and entrepreneurs. David is firmly committed to building lasting relationships with a goal of delivering goal-oriented results and exceptional client service.
David recognizes that life constantly changes. As a result, strategies must evolve and proactive advice must be given. By developing close relationships, having open dialogue, and educating his clients, David is able to help guide them through the ever changing political, social, and economic landscape. Depending upon where a client is in their life cycle, David can assist with the accumulation, preservation, or transition of their wealth.
David becomes thoroughly familiar with his clients, their families, their needs and their aspirations. Building on that understanding, he helps guide his clients in making decisions regarding the allocation of their financial resources, while seeking to ensure they are well-informed about, and comfortable with, how those decisions may impact their futures.
David recognizes that life constantly changes. As a result, strategies must evolve and proactive advice must be given. By developing close relationships, having open dialogue, and educating his clients, David is able to help guide them through the ever changing political, social, and economic landscape. Depending upon where a client is in their life cycle, David can assist with the accumulation, preservation, or transition of their wealth.
David becomes thoroughly familiar with his clients, their families, their needs and their aspirations. Building on that understanding, he helps guide his clients in making decisions regarding the allocation of their financial resources, while seeking to ensure they are well-informed about, and comfortable with, how those decisions may impact their futures.
Services Include
- Wealth ManagementFootnote1
- Executive Financial ServicesFootnote2
- Stock Option PlansFootnote3
- 401(k) Rollovers
- Estate Planning StrategiesFootnote4
- Alternative InvestmentsFootnote5
- Asset Management
- Exchange Traded FundsFootnote6
- AnnuitiesFootnote7
- 529 PlansFootnote8
- Financial PlanningFootnote9
- Lending Products
- Professional Portfolio ManagementFootnote10
- Retirement PlanningFootnote11
Securities Agent: TX, AZ, CA, CO, CT, DC, DE, FL, GA, ID, IL, MA, MD, ME, MN, NC, NH, NJ, NY, PA, RI, SC, TN, UT, VA, VT, WA, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 1282513
CA Insurance License #: 4100748
NMLS#: 1282513
CA Insurance License #: 4100748
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Clients & Awards
The key to managing your wealth and achieving your vision of the future is balancing everything that’s important to you—your family, your career or business, and your legacy. With so many responsibilities and competing priorities, you need a plan and an advisor who has the knowledge, resources and relationships to help you bring that plan to life.
As your Financial Advisor, I leverage my resources at one of the world’s leading financial firms—to help architect the future you envision for yourself and your family. My goal is to assist you in developing a roadmap that encompasses portfolio management, tax efficiency, risk management in a comprehensive long-term plan that incorporates and anticipates life’s events, both the expected and the unforeseen.
My team and I understand how to solve problems while maintaining a positive outlook. Whether it’s navigating choppy waters in the markets or helping you cope with a difficult transition, I strive to bring calm to your life and clarity to your financial future.
Whatever your goals are—preparing for retirement, paying for a child’s education, planning your legacy—my team and I are here to help educate, empower and execute the strategies and solutions necessary to realize them.
As your Financial Advisor, I leverage my resources at one of the world’s leading financial firms—to help architect the future you envision for yourself and your family. My goal is to assist you in developing a roadmap that encompasses portfolio management, tax efficiency, risk management in a comprehensive long-term plan that incorporates and anticipates life’s events, both the expected and the unforeseen.
My team and I understand how to solve problems while maintaining a positive outlook. Whether it’s navigating choppy waters in the markets or helping you cope with a difficult transition, I strive to bring calm to your life and clarity to your financial future.
Whatever your goals are—preparing for retirement, paying for a child’s education, planning your legacy—my team and I are here to help educate, empower and execute the strategies and solutions necessary to realize them.
Received Morgan Stanley's Executive Director title (March 2022)
Received Morgan Stanley's Senior Vice President title (February 2019)
Received Morgan Stanley's Masters Club Designation 2019-2021
Named to Boston Magazine's Five Star Wealth Manager 2014-2021
This award was issued on2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021 based on an evaluation process as described below. This evaluation was not based on a specific time period, but was conducted by Five Star Professional (FSP) that considered, among other factors, the following:
• Favorable regulatory and complaint history review. As defined by FSP, the wealth manager has not: 1.) Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; 2.) Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed, or denied complaints with any regulatory authority or FSP’s consumer complaint process.
• Personal bankruptcy filing within the past 11 years.
• Termination from a financial services firm within the past 11 years.
• Conviction of a felony.
• One-year client retention rate.
• Five-year client retention rate.
Five Star Professional, as a third party research firm, identified pre-qualified award candidates based on industry data and contacted all identified broker dealers, Registered Investment Advisor firms and FINRA-registered representatives to gather wealth manager nominations. Self-nominations are not accepted. Wealth managers and/or their firms do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers.
For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com.
This award was issued on2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021 based on an evaluation process as described below. This evaluation was not based on a specific time period, but was conducted by Five Star Professional (FSP) that considered, among other factors, the following:
• Favorable regulatory and complaint history review. As defined by FSP, the wealth manager has not: 1.) Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; 2.) Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed, or denied complaints with any regulatory authority or FSP’s consumer complaint process.
• Personal bankruptcy filing within the past 11 years.
• Termination from a financial services firm within the past 11 years.
• Conviction of a felony.
• One-year client retention rate.
• Five-year client retention rate.
Five Star Professional, as a third party research firm, identified pre-qualified award candidates based on industry data and contacted all identified broker dealers, Registered Investment Advisor firms and FINRA-registered representatives to gather wealth manager nominations. Self-nominations are not accepted. Wealth managers and/or their firms do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers.
For more information on the Five Star award and the research/selection methodology, go to fivestarprofessional.com.
Received Morgan Stanley's Century Club Designation (January 2018)
Received the title Portfolio Management Director (September 2017)
Named to Morgan Stanley's Pacesetter's Club 2013, 2014, 2015, 2016 and 2017
Received Morgan Stanley's VIce President title (January 2016)
Received Executive Financial Services Director (EFS) designation (January 2016)
Received Morgan Stanley's Associate Vice President title (January 2015)
Received Morgan Stanley's Senior Portfolio Manager Designation (February 2015)
Received Morgan Stanley's Portfolio Manager Designation (February 2013)
Received Morgan Stanley's Financial Planning Specialist Designation (August 2013)
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Client Profile DocumentLocation
28 State Street 26th
Fl
Boston, MA 02109
US
Direct:
(617) 589-3477(617) 589-3477
Toll-Free:
(800) 752-2678(800) 752-2678
Fax:
(617) 227-9070(617) 227-9070
Meet My Team
Matt Walker, CFP®
Strategic Partner
Phone:
(617) 589-3204(617) 589-3204
Jody Devero
Senior Registered Associate
Phone:
(617) 589-3324(617) 589-3324
Ayham Bahnassi
Executive Director, Estate Planning Strategies
About Adam Steinhauser
Mr. Steinhauser is our Financial Planning Specialist who will work with our clients to develop a comprehensive plan based on their goals, risk and liquidity needs. As a Portfolio Manager, he also assists in the manager due diligence and portfolio construction.
Securities Agent: WY, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1285408
NMLS#: 1285408
About Matt Walker
Mr. Walker is our CERTIFIED FINANCIAL PLANNER™ professional who focuses on designing customized financial plans for our clients, helping individuals and families transition from the accumulation of wealth to the distribution of wealth in preparing for their retirement years.
Securities Agent: TX, VT, GA, ID, ME, AZ, WI, MD, NC, NH, NY, NJ, SC, VA, UT, MA, CA, CO, FL, WA, TN, RI, PA, MN, IL, DE, DC, CT; General Securities Representative; Investment Advisor Representative
About Jody Devero
Mr. Devero is responsible for client account processing and administration as well as investigating and resolving operational issues. He also assists in developing and maintaining relationships with new and existing clients
About Ayham Bahnassi
Ayham Bahnassi is a Wealth & Estate Planning Strategist at Morgan Stanley covering the Northeast Region. As a member
of the Estate Planning Strategies group at Morgan Stanley, Ayham advises ultra-high net worth clients on ways to
mitigate their income and transfer tax liabilities. Ayham works closely with clients and their personal advisors to develop
customized estate planning strategies that help fulfill the clients’ tax, estate and financial planning objectives.
Prior to joining Morgan Stanley in June 2020, Ayham worked as a Wealth Planner at Wells Fargo Private Bank from 2016 to
2020 where he provided tax, estate, and business succession planning services to foreign and domestic ultra-high net
worth clients. Ayham also worked at US Trust Bank of America from 2013 to 2016 where he advised clients on various tax
saving transfer techniques and provided trust settlement services to fiduciary clients. Ayham was also a former practicing
estate planning attorney in Massachusetts from 2010 to 2013. Ayham has over 12 years of experience in tax and estate
planning.
Ayham earned his Bachelor of Arts from Brandeis University, a Juris Doctorate (J.D.) from Case Western Reserve University
School of Law and a Masters of Law (LL.M) in Taxation from Boston University School of Law.
of the Estate Planning Strategies group at Morgan Stanley, Ayham advises ultra-high net worth clients on ways to
mitigate their income and transfer tax liabilities. Ayham works closely with clients and their personal advisors to develop
customized estate planning strategies that help fulfill the clients’ tax, estate and financial planning objectives.
Prior to joining Morgan Stanley in June 2020, Ayham worked as a Wealth Planner at Wells Fargo Private Bank from 2016 to
2020 where he provided tax, estate, and business succession planning services to foreign and domestic ultra-high net
worth clients. Ayham also worked at US Trust Bank of America from 2013 to 2016 where he advised clients on various tax
saving transfer techniques and provided trust settlement services to fiduciary clients. Ayham was also a former practicing
estate planning attorney in Massachusetts from 2010 to 2013. Ayham has over 12 years of experience in tax and estate
planning.
Ayham earned his Bachelor of Arts from Brandeis University, a Juris Doctorate (J.D.) from Case Western Reserve University
School of Law and a Masters of Law (LL.M) in Taxation from Boston University School of Law.
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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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
- Wealth Transfer & Philanthropy
- Private Banking Solutions
- Family Governance & Wealth Education
- Lifestyle Advisory
Ready to start a conversation? Contact David Charton 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 Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
4Morgan Stanley Smith Barney LLC (“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.
5Alternative 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.
6An 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.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
9Morgan 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.
10Morgan 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.
11When 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 Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
4Morgan Stanley Smith Barney LLC (“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.
5Alternative 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.
6An 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.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
9Morgan 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.
10Morgan 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.
11When 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)
