Patty Bento
Senior Client Service Associate
Phone:
(631) 755-1614(631) 755-1614
David P. Schiebelhuth, CRPC®
Senior Vice President, Wealth Management,
Financial Advisor,
Financial Planning Specialist,
Portfolio Manager
Direct:
(631) 755-8865(631) 755-8865
My Mission Statement
With over 20 years of experience in the Financial Service Industry, I have taken a holistic approach with each client. My approach is to first identify obstacles in a client's portfolio and work with them to understand each unique challenge that they face. Together, we create a comprehensive financial plan with clear goals in mind. After identifying the goals, only then do we come up with individual solutions tailored to fit their needs. This ongoing relationship fosters an open line of communication between client and advisor to ensure that our plan remains on the path for success.
My Story and Services
With over 20 years of experience in the Financial Service Industry, I have learned to take a holistic approach with each client. Instead of offering products and services, I find it most important to listen first and understand their individual circumstances before making any recommendations. I believe it is crucial to create a comprehensive financial plan with clear goals in mind. This clarity allows me and my clients to feel confident when finding solutions to fit their needs.
I am a member of The Island Harbor Group here at Morgan Stanley. My team strives to develop a thorough understanding of our clients so we can help them make better financial decisions that are consistent with their goals.
I am a member of The Island Harbor Group here at Morgan Stanley. My team strives to develop a thorough understanding of our clients so we can help them make better financial decisions that are consistent with their goals.
Securities Agent: AZ, SC, DC, PA, MT, DE, TX, IN, FL, VT, SD, OH, NV, MN, MI, MD, AL, KS, CO, VA, NY, KY, WA, NJ, NH, GA, CT, NM, NC, MO, ME, MA, IA, CA, WV, WI, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 2097563
NMLS#: 2097563
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Building a Meaningful Relationship
The cornerstone of any Financial Advisor's practice should be their relationships with his or her client. This is something that I have placed a large emphasis on since becoming a Financial Advisor. When working with clients, I take a holistic approach, looking at each financial situation in order to meet their desired level of attention, regardless of asset level. Whether it is financial planning, retirement or family planning, I am here to foster a relationship that is built on trust with a portfolio that will reach your short and long term goals.
3 Issues of Interest for Clients
- Do I have a financial plan in place?
- Do I have enough to retire?
- How should I balance my wealth for the future?
Step 1: Introductory Meeting
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals.
Step 2: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing a suitable risk tolerance that will ultimately help you achieve the financial outcome you envision for yourself.
Step 3: Financial Plan
Financial plans map out essential factors that play into your financial success. Examining all relevant financial information provides a holistic asset allocation analysis for all of your accounts ensuring a comprehensive financial plan.
Step 4: Action Items / Next Step
After the creating of the financial plan, I will follow up with you regarding my analysis and recommendations.
Step 5: Implementation
Implementation focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving and benefit modifications.
Step 6: Monitoring & Performance Tracking
Finally, I will be constantly monitoring your assets and analyzing your performance tracking data to ensure your financial expectations are being met and adjusted accordingly. We will keep a high degree of communication with you to make sure your concerns and requests are always addressed.
Financial literacy is the key to financial success. Here are some great resources.
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Click here to learn moreManaging Your Modern Wealth Portfolio
Morgan Stanley offers a comprehensive suite of tools to manage your wealth more effectively in today's busy world. We strive to ensure we serve our clients with market leading technology platforms that are resilient, safe, efficient, fast, and flexible.
Morgan Stanley Online (MSO)
When you sign up for MSO, you can conveniently and securely manage your account online or on the mobile app.
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Morgan Stanley Mobile App
The Morgan Stanley Mobile App gives you the same capabilities and convenience of Morgan Stanley Online - all from your personal phone. It also offers features to simplify your everyday finances.
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E-Sign
E-sign is a digital, paperless alternative to the traditional means of obtaining signatures for important paperwork. It is an easy to use tool with no registration process to begin.
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E-Delivery
E-delivery allows you to securely save, print, send and receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App.
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Total Wealth View (TWV)
With this service, you can view all your assets and liabilities together - whether held at Morgan Stanley or elsewhere - in one place for a comprehensive overview of your assets.
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Goals Planning System (GPS)
GPS is our financial planning software. It helps define what you want out of life, so we can create a financial framework to bring these goals to fruition.
Click here to learn moreLocation
58 South Service Rd
Ste 400
Melville, NY 11747
US
Direct:
(631) 755-8865(631) 755-8865
Fax:
(631) 237-3298(631) 237-3298
Meet My Team
Kelly Saronka, CFP®
Business Development Director
Phone:
(631) 755-1613(631) 755-1613
James Flood
Senior Vice President, Financial Advisor, Portfolio Management Director, Alternative Investments Director
Phone:
(631) 755-1620(631) 755-1620
Stephen Lawless
Executive Director, Financial Advisor, Financial Planning Specialist
Phone:
(631) 755-8815(631) 755-8815
Mark T Greco
Vice President, Financial Advisor, Alternative Investments Director, Financial Planning Specialist
Phone:
(631) 755-8817(631) 755-8817
Peter Sluka
Vice President, Financial Advisor
Phone:
(631) 755-1651(631) 755-1651
About Patty Bento
Patty Bento has been with Morgan Stanley for 17 years and has 34 years of experience in the financial services industry. When not in the office in her free time she enjoys bowling on her weekly league, going to the gym and watching the NY Rangers with her rescue cat Winnie.
About Kelly Saronka
Kelly Saronka is a Business Development Director with the Island Harbor Group. As a CERTIFIED FINANCIAL PLANNER™, her practice focuses on financial planning, relationship management, and creating investment strategies. She supports clients through a planning lens and helps them create logical paths forward to maintain their wealth and enjoy a fulfilling lifestyle. Kelly’s goal is to deliver complex financial solutions to client in an efficient matter.
Kelly joined Morgan Stanley in 2016. She has held multiple roles including Wealth Advisor Associate and Client Service Associate. Prior to joining Morgan Stanley, Kelly received her bachelor’s degree in Accounting and M.B.A. in Finance Summa Cum Laude from Molloy College. While achieving these degrees, Kelly was a two-sport Division II collegiate athlete on the Field Hockey and Lacrosse teams. Kelly earned a spot on Molloy's 30 Under 30 Alumni list.
Kelly resides locally in Wantagh, New York with her Great Dane named Tess.
Professional Highlights:
• CERTIFIED FINANCIAL PLANNER™ Professional Designation
• Series 7 and 66 Securities Registrations
• Life, Accident and Health Insurance License
• Pacesetter’s Club Member since 2023
• Bachelor’s Degree in Accounting, Molloy College
• M.B.A. Degree in Finance, Molloy College
Kelly joined Morgan Stanley in 2016. She has held multiple roles including Wealth Advisor Associate and Client Service Associate. Prior to joining Morgan Stanley, Kelly received her bachelor’s degree in Accounting and M.B.A. in Finance Summa Cum Laude from Molloy College. While achieving these degrees, Kelly was a two-sport Division II collegiate athlete on the Field Hockey and Lacrosse teams. Kelly earned a spot on Molloy's 30 Under 30 Alumni list.
Kelly resides locally in Wantagh, New York with her Great Dane named Tess.
Professional Highlights:
• CERTIFIED FINANCIAL PLANNER™ Professional Designation
• Series 7 and 66 Securities Registrations
• Life, Accident and Health Insurance License
• Pacesetter’s Club Member since 2023
• Bachelor’s Degree in Accounting, Molloy College
• M.B.A. Degree in Finance, Molloy College
About James Flood
James Flood is a Financial Advisor who brings over 20 years of experience to the Island Harbor Group. As a Portfolio Management Director and Alternative Investments Director, James provides highly customized advice and investment solutions to individuals and families. He is committed to long-term relationships and strives to deliver objective advice through exceptional client service. He closely monitors client portfolios, reporting on progress through ongoing client conversations.
Prior to his career as a Financial Advisor, James earned his bachelor’s degree in Business from St. John’s University and participated in CW Post's Financial Planning Program.
Outside of the office, James is a dedicated father to three. He can often be found cheering on the New York Islanders.
Professional Highlights:
• Series 7, 31, 63, 65 Securities Registrations
• Life, Accident and Health Insurance License
• NYS Partnership Long Term Care
• Bachelor’s Degree in Business, St. John’s
• CW Post, Financial Planning Program
• Forbes Best-In-State Wealth Advisors 2022
• Forbes Best-In-State Wealth Advisors 2023
Forbes Best-In- State Wealth Advisors
Source: Forbes.com Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21
Source: Forbes.com Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22
Prior to his career as a Financial Advisor, James earned his bachelor’s degree in Business from St. John’s University and participated in CW Post's Financial Planning Program.
Outside of the office, James is a dedicated father to three. He can often be found cheering on the New York Islanders.
Professional Highlights:
• Series 7, 31, 63, 65 Securities Registrations
• Life, Accident and Health Insurance License
• NYS Partnership Long Term Care
• Bachelor’s Degree in Business, St. John’s
• CW Post, Financial Planning Program
• Forbes Best-In-State Wealth Advisors 2022
• Forbes Best-In-State Wealth Advisors 2023
Forbes Best-In- State Wealth Advisors
Source: Forbes.com Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21
Source: Forbes.com Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22
Securities Agent: FL, AL, WA, SC, PA, IN, DE, DC, KS, CA, NY, MO, KY, IA, VA, NJ, ME, MA, MI, WV, WI, MD, CT, CO, AZ, TX, VT, OH, NM, NH, NC, TN, NV, MT, MN, IL, GA; General Securities Representative; Investment Advisor Representative; Managed Futures
About Stephen Lawless
As an Executive Director and Financial Advisor, Stephen brings 40 years of extensive experience and knowledge to the Island Harbor Group. He takes pride in having helped his clients to achieve their personal financial goals while navigating challenging times. Stephen’s priority is expanding his client’s wealth over the long term, using Morgan Stanley’s vast array of resources to help them formulate a personalized financial strategy.
Outside of the office, Stephen can be found kayaking in the Connetquot River.
Professional Highlights:
• Series 6, 7, 52, 63 Securities Registrations
• Life Insurance License
Outside of the office, Stephen can be found kayaking in the Connetquot River.
Professional Highlights:
• Series 6, 7, 52, 63 Securities Registrations
• Life Insurance License
Securities Agent: VT, IN, NJ, MT, KS, WI, VA, NC, OH, MN, IL, CO, NY, IA, AZ, MA, NM, WA, TX, NV, MI, ME, MD, DE, PA, GA, DC, CA, AL, NH, MO, FL, CT, SC, KY; General Securities Representative; Investment Advisor Representative
About Mark T Greco
Mark Greco is a Vice President with Morgan Stanley and has been a dedicated advisor to high-net-worth individuals and their families for over 40 years. Mark works closely with his clients to help them reach their long-term investment goals and navigate life events that require the perspective of a seasoned financial professional. He is a Financial Planning Specialist, Alternative Investments Director, and Portfolio Manager. Mark is a graduate of The University of Colorado, Boulder and earned his MBA from the Roth Graduate school at Long Island University. He is also a motorcycle enthusiast and plays guitar.
Securities Agent: IA, VT, VA, NM, WA, GA, TX, PA, IL, DE, NH, MN, SC, MT, MD, MA, AZ, OH, KS, CA, AL, NY, NC, KY, FL, DC, CT, NV, NJ, CO, WI, MO, MI, ME, IN; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
About Peter Sluka
Peter Sluka has been a Morgan Stanley Financial Advisor for the past 13 years providing bespoke portfolio and planning advice helping enable clients to meet their goals and to successfully retire. Peter has another 25 years of leadership experience in corporate finance, operations and financial regulation.
After attaining his MBA in Finance from St John’s University, Peter served as a Sr. Examiner for NASD\FINRA where he developed a deep appreciation for getting things done the right way.
Peter was a competitive distance runner who in recent years has settled into cycling and golf.
Professional Highlights:
- Series 7, 31, 66 Securities Registrations & Insurance\Annuities Licenses
- Published in the Journal of Business Forecasting
- National Honor Society in Economics
- Chairman’s Award for Quality – American Express
- Six Sigma Master Black Belt
After attaining his MBA in Finance from St John’s University, Peter served as a Sr. Examiner for NASD\FINRA where he developed a deep appreciation for getting things done the right way.
Peter was a competitive distance runner who in recent years has settled into cycling and golf.
Professional Highlights:
- Series 7, 31, 66 Securities Registrations & Insurance\Annuities Licenses
- Published in the Journal of Business Forecasting
- National Honor Society in Economics
- Chairman’s Award for Quality – American Express
- Six Sigma Master Black Belt
Securities Agent: VA, OH, FL, DE, KS, NV, ME, MA, AL, WI, VT, WA, SC, MN, MI, DC, CT, CO, AZ, NM, NH, NC, MT, IA, NJ, MO, MD, TX, PA, IL, GA, CA, NY, KY, IN; General Securities Representative; Investment Advisor Representative
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
Are You Prepared for Tax Day?
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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 P. Schiebelhuth today.
1When 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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
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.
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 and other legal matters.
6Morgan 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.
7An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
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.
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 and other legal matters.
6Morgan 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.
7An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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)
