Jeremy Doucette, CIMA®
Portfolio Associate
Phone:
(561) 650-7546(561) 650-7546
Dvora Lange Callahan, CFP®, CRPC®
First Vice President,
Financial Advisor
Direct:
(561) 838-8928(561) 838-8928
Toll-Free:
(800) 827-6329(800) 827-6329
My Mission Statement
Dvora Lange Callahan views herself as a financial organizer who is dedicated to providing financial peace of mind to her clients, allowing them to move forward with their plans, goals, or dreams in a worry-free manner.
Your Goals + My Input = Our Success
Comprehensive wealth management takes a unique set of skills that go well beyond general financial planning and investment management. It takes a team of experienced professionals who have acquired the insights, wisdom and experience needed to tackle your family’s personal financial challenges.
Dvora Lange Callahan at Morgan Stanley works extensively to help grow and preserve wealth through multi-generations. With a deep history of client loyalty and enduring relationships, Dvora focuses on what is most important to you. She provides the skills, sophisticated strategies and disciplined process needed to help you make informed decisions about your future, your family and your family finances with clarity and confidence.
Dvora uses her astute problem-solving skills to identify forward-thinking strategies that can help meet and exceed your particular objectives. She believes the more complex your situation, the more valuable she is to you, and the more rewarding your overall experience can potentially be. Dvora combines the world-class resources of a premium global firm, Morgan Stanley, with the intimate relationship you expect from a boutique firm.
Dvora Lange Callahan is proud of the services and solutions she offers clients and welcomes the opportunity to deliver this same level of excellence to you and your family.
All of Dvora's administrative needs are handled by her Client Service Associate, Jeremy Doucette (+1 561-650-7546)
Dvora Lange Callahan at Morgan Stanley works extensively to help grow and preserve wealth through multi-generations. With a deep history of client loyalty and enduring relationships, Dvora focuses on what is most important to you. She provides the skills, sophisticated strategies and disciplined process needed to help you make informed decisions about your future, your family and your family finances with clarity and confidence.
Dvora uses her astute problem-solving skills to identify forward-thinking strategies that can help meet and exceed your particular objectives. She believes the more complex your situation, the more valuable she is to you, and the more rewarding your overall experience can potentially be. Dvora combines the world-class resources of a premium global firm, Morgan Stanley, with the intimate relationship you expect from a boutique firm.
Dvora Lange Callahan is proud of the services and solutions she offers clients and welcomes the opportunity to deliver this same level of excellence to you and your family.
All of Dvora's administrative needs are handled by her Client Service Associate, Jeremy Doucette (+1 561-650-7546)
Services Include
- Wealth ManagementFootnote1
- Retirement PlanningFootnote2
- Financial PlanningFootnote3
- Trust AccountsFootnote4
- Estate Planning StrategiesFootnote5
- Sustainable InvestingFootnote6
- Long Term Care InsuranceFootnote7
- Professional Portfolio ManagementFootnote8
- AnnuitiesFootnote9
- 529 PlansFootnote10
- Planning for Individuals with Special Needs and their Families
- Structured ProductsFootnote11
- Cash Management and Lending ProductsFootnote12
- 401(k) Rollovers
Securities Agent: NY, NV, MO, DC, FL, DE, TN, NJ, MD, KY, CT, CA, TX, MA, IL, AZ, SC, RI, VA, OH, UT, NC, MT, CO, WA, VT, PA, NM, MN, GA, WI, OR; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1255360
CA Insurance License #: 0D0194
NMLS#: 1255360
CA Insurance License #: 0D0194
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Addressing Your Specific Goals & Objectives
When Dvora began as a Financial Advisor, she gave a lot of thought to the types of individuals and families she wanted to help. She asked herself what are my strengths and skills, and who would best be served by my experience, perspectives and values.
Over the years, Dvora Lange Callahan has built a dynamic practice that consists of a broad range of clients:
• Individuals, families, corporate executives and businesses seeking Impact Investing strategies
• Highly successful individuals
• Families spanning multiple generations
• Retirees and individuals planning for retirement
• Business owners and corporate executives with concentrated wealth
• Widows and Widowers seeking guidance for themselves and their families
• Referrals from clients and industry professionals
While each client has a unique set of goals and circumstances, all collectively have one thing in common: securing their financial future and pursuing their personal ambitions. Dvora helps her clients understand their current situation and provides the clarity needed to navigate life-changing events with confidence. These events may include:
• A new job or career
• The transition to retirement
• The sale of a business
• A divorce or loss of a loved one
• Caring for an elderly family member
• A large inheritance
Along with challenges come the more practical aspects of investing. Dvora can guide you to:
• Save effectively so children can attend the colleges of their choice
• Plan for retirement
• Finance a major acquisition or strengthen a business
• Diversify highly concentrated positions
• Formulate tax-efficient investment strategies
• Transfer wealth across generations
• Create a legacy plan to help preserve family harmony as well as assets
• Achieve philanthropic goals
Dvora is skilled at working closely with your wealth professionals – your CPA, estate attorney, insurance professionals – and can recommend qualified local professionals if needed.
Over the years, Dvora Lange Callahan has built a dynamic practice that consists of a broad range of clients:
• Individuals, families, corporate executives and businesses seeking Impact Investing strategies
• Highly successful individuals
• Families spanning multiple generations
• Retirees and individuals planning for retirement
• Business owners and corporate executives with concentrated wealth
• Widows and Widowers seeking guidance for themselves and their families
• Referrals from clients and industry professionals
While each client has a unique set of goals and circumstances, all collectively have one thing in common: securing their financial future and pursuing their personal ambitions. Dvora helps her clients understand their current situation and provides the clarity needed to navigate life-changing events with confidence. These events may include:
• A new job or career
• The transition to retirement
• The sale of a business
• A divorce or loss of a loved one
• Caring for an elderly family member
• A large inheritance
Along with challenges come the more practical aspects of investing. Dvora can guide you to:
• Save effectively so children can attend the colleges of their choice
• Plan for retirement
• Finance a major acquisition or strengthen a business
• Diversify highly concentrated positions
• Formulate tax-efficient investment strategies
• Transfer wealth across generations
• Create a legacy plan to help preserve family harmony as well as assets
• Achieve philanthropic goals
Dvora is skilled at working closely with your wealth professionals – your CPA, estate attorney, insurance professionals – and can recommend qualified local professionals if needed.
Discovery Process:
Establishing Financial Objectives - We work with clients to establish a realistic set of objectives based on their financial goals, time horizon, liquidity needs, and tolerance to volatility & risk.
Tax & Estate Planning:
Plans to Service - Working with you to build strategic plans in estate planning and tax minimization via. services such as tax loss harvesting.
Defining Investment Strategy:
Customized Strategies - Develop an investment strategy to help produce optimal portfolio performance & seek to generate the highest return potential consistent with the strategy's level of risk.
Evaluate & Select Investments:
Portfolio Growth - Leverage the global resources of Morgan Stanley to select investments to implement your personal strategy.
Ongoing Review Process:
Assessment of Wealth Management Needs - Monitor your portfolio to track its performance relative to your stated objectives. Furthermore, modify your portfolio on a discretionary basis as your needs and circumstances change over time.
Digital Tools
Our comprehensive suite of digital tools are designed to help enhance various aspects of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Seamlessly and securely manage your investments and everyday finances in one place with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Goals Planning System- Your Financial Plan
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
Learn More About Goals Planning System
Total Wealth View- Your Financial Homepage
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
Digital Vault- Document Storage
Digital Vault lets you easily store and share your important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings. All files are scanned for viruses and malware and are encrypted while transferred and stored. Access is limited to you and anyone you designate.
Learn More About Digital Vault
Dollar Cost Averaging
With dollar-cost averaging, you methodically invest your cash in equal amounts over a period of time. Since investments are made over time at various prices per share, the approach reduces the sensitivity of your portfolio’s return to a single trade date, potentially making it easier for you to ride out the market’s ups and downs.
Learn MoreInvestor Resources
Please see below for Morgan Stanley resources on speaker series events, podcasts, and additional reports on the markets, lifestyle commentary, and much more.
On The Markets Podcast
Detailed market commentary from Morgan Stanley's though leaders on topics such as global equities, fixed income, monetary policy and more.
The Latest Episode
GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at the market, asset class performance and fixed income.
Read The Latest Report
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology, and beyond.
The Latest Episode
Lessons In Leadership
A Morgan Stanley speaker series by invitation-only, giving you the chance to sit in on conversations with artists, politicians, economists, and athletes.
Stay tuned to inquire on additional updates on this truly unique opportunity.
Stay tuned to inquire on additional updates on this truly unique opportunity.
Russia-Ukraine: Mapping Geopolitical Uncertainty
The conflict in Ukraine has already exacted a heavy toll. Though the outcome is unclear, the war will continue to weigh on global economies, with ramifications for central bank policy, energy, commodities and more. This report analyzes what the path ahead may look like.
Read The Latest Report
O-Authorization
Switching accounts? Learn more on how Total Wealth View can be aggregated through Morgan Stanley's modern wealth tools.
Learn MoreLocation
777 S Flagler Drive
Suite 700E
West Palm Beach, FL 33401
US
Direct:
(561) 838-8928(561) 838-8928
Toll-Free:
(800) 827-6329(800) 827-6329
Meet My Team
About Jeremy Doucette
Jeremy Doucette graduated from Farmingdale State College with a bachelor’s degree in Business Management and a specialization in Legal Studies. Jeremy spent time during his higher education working for a NY District Attorney & The New York State Assembly. As a NCAA athlete, Jeremy played Division 3 lacrosse as a goalie.
Originally from Long Island, NY, Mr. Doucette moved to South Florida in 2022 to further his career in West Palm Beach with Morgan Stanley. His current role of Registered Client Service Associate allows him to share his expertise in brokerage operations and work with clients daily. Prior to joining Morgan Stanley, Jeremy was a Registered Associate with Merrill Lynch.
He is actively engaged within his community & volunteers through firm initiatives. When away from his desk, Jeremy can be found working on his golf game, snowboarding or enjoying a good book.
Disclaimer:
This role cannot solicit or provide investment advice.
Originally from Long Island, NY, Mr. Doucette moved to South Florida in 2022 to further his career in West Palm Beach with Morgan Stanley. His current role of Registered Client Service Associate allows him to share his expertise in brokerage operations and work with clients daily. Prior to joining Morgan Stanley, Jeremy was a Registered Associate with Merrill Lynch.
He is actively engaged within his community & volunteers through firm initiatives. When away from his desk, Jeremy can be found working on his golf game, snowboarding or enjoying a good book.
Disclaimer:
This role cannot solicit or provide investment advice.
Wealth Management
Global Investment Office
Portfolio Insights
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
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
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
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?
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact Dvora Lange Callahan today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2When 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.
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.
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.
6The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Investors 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.
11Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
12Morgan 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
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
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2When 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.
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.
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.
6The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Investors 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.
11Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
12Morgan 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
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)
