Sherry Kaminitz
Phone:
(480) 922-7960(480) 922-7960
Edward Roberts, CFP®, CRPC®
Associate Vice President, Wealth Management,
Financial Advisor
Direct:
(480) 922-7804(480) 922-7804
My Mission Statement
To make a positive difference on your journey to and during retirement, by being available, by being present and by being current with industry standards and trends.
My Story and Services
Like many financial advisors, I followed in my dad's footsteps. Even better, I also followed in my mom's footsteps. So my training as an advisor began as a teenager, following along as they provided clients with genuine care and integrity. After going to work with them in 2000, I left to gain a world of knowledge outside of the firm – about startups, tech firms and how successful people need financial advice that is truly customized.
Since my return in 2007, I've delivered an enlightened perspective to generations of families who deserve a trusted advisory relationship that extends beyond money. How do I measure my success? Not only in clients' assets, but in my ability to bring clients real-world strategies and my passion to serve their best interests – regardless of the effort required on my part.
WHAT MAKES ME PROUD?
• Talking frequently with clients and serving as a reliable "first call" for any financial decision – from buying a home, to helping an adult child with a 401k left behind. It's humbling when clients open up and ask for my opinion. If I can educate and inspire a client, I feel privileged to so.
• Having competed in marathons and ultra-marathons in Arizona, the Mojave Desert, Ireland, New Zealand, Peru and counting.
• Being a highly credentialed advisor. I hold the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification from the Certified Financial Planner Board of Standards and the Chartered Retirement Planning Counselor(SM) designation through the College for Financial Planning.
Since my return in 2007, I've delivered an enlightened perspective to generations of families who deserve a trusted advisory relationship that extends beyond money. How do I measure my success? Not only in clients' assets, but in my ability to bring clients real-world strategies and my passion to serve their best interests – regardless of the effort required on my part.
WHAT MAKES ME PROUD?
• Talking frequently with clients and serving as a reliable "first call" for any financial decision – from buying a home, to helping an adult child with a 401k left behind. It's humbling when clients open up and ask for my opinion. If I can educate and inspire a client, I feel privileged to so.
• Having competed in marathons and ultra-marathons in Arizona, the Mojave Desert, Ireland, New Zealand, Peru and counting.
• Being a highly credentialed advisor. I hold the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification from the Certified Financial Planner Board of Standards and the Chartered Retirement Planning Counselor(SM) designation through the College for Financial Planning.
Services Include
- Retirement PlanningFootnote1
- Alternative InvestmentsFootnote2
- 401(k) Rollovers
- Financial PlanningFootnote3
- Wealth ManagementFootnote4
- Professional Portfolio ManagementFootnote5
- 529 PlansFootnote6
- Cash Management and Lending ProductsFootnote7
- Estate Planning StrategiesFootnote8
- Trust ServicesFootnote9
- Sustainable InvestingFootnote10
- AnnuitiesFootnote11
- Long-term Care InsuranceFootnote12
- Donor Advised Funds
Securities Agent: IL, DE, CA, AZ, MN, MI, VA, AL, OR, IA, MO, CO, NY, NV, IN, TX, KS, PA; General Securities Representative; Investment Advisor Representative
NMLS#: 747615
NMLS#: 747615
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
LIFE IS COMPLICATED: YOU HAVE UNIQUE FINANCIAL NEEDS
You have access to a sophisticated suite of tools to help you implement the Morgan Stanley wealth management process and translate your goals into reality.
Discover
We start with a conversation to gain a thorough understanding of your needs, lifestyle and family — and your goals for the future.
Advise
We work with you to develop portfolio strategies that help you achieve and protect the outcomes you envision.
Implement
We look across multiple accounts and products to help you implement solutions that are an appropriate fit for your strategy.
Track Progress
We help you track your progress as well as spending and savings to help ensure you remain on track toward your goals.
Goals Planning System (GPS)
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
Watch the GPS video here
GPS Online Planning Collaboration
As a Morgan Stanley client, you can now access our Goals Planning System (GPS) directly through Morgan Stanley Online (MSO) to digitally review, update and track your retirement goal plan with your Financial Advisor.
Learn more about our Collaboration tool hereIt's not what you earn...it's what you keep
Alternatives are the investments that go beyond traditional stocks and bonds. They can open doors to unique opportunities to help grow and protect your wealth, and have long sought to offer enhanced returns, portfolio diversification, lower volatility, as well as potential tax efficiency.
Wealth Management Alternative Investments
Individuals and institutions can gain access to exclusive offerings, preeminent fund managers and innovative investment opportunities spanning private equity, private credit, real assets, hedge funds and more.
Click here for more information
Morgan Stanley Private Markets
Morgan Stanley Private Markets offers eligible clients the opportunity to invest in a curated list of high-quality private companies directly or alongside an asset manager.
Private Equity
With investment opportunities, generally in privately held companies, that are not available through traditional public markets, private equity may offer both attractive long-term return potential and the opportunity for diversification through historically low correlation to traditional strategies.
Click here for more Private Equity information
Private Credit
Private corporate and real estate lending offer the potential for higher income, relative to traditional fixed income markets, while distressed credit investing may serve as an opportunistic means of generating risk-adjusted growth.
Click here for more Private Credit information
1031 & 721 Real Estate Exchanges
1031 and 721 exchanges (UPREIT) allow an owner of appreciated real estate to exchange that property for an alternative “like-kind” property while deferring capital gains.
Read more about 1031 & 721 exchanges here
Exchange Funds
If you have a concentrated stock position from an inheritance, employment stock grants or through building a position over time, you may want to seek to protect yourself against market declines by diversifying your holdings in a non-taxable manner.
Click here for more Exchange Funds information
Direct Indexing
Direct Indexing offers diversification, customization and potential tax efficiency.
View the Direct Indexing video here
Total Tax 365
Taxes act as a drag on your investment performance that can be heavier than any fee you pay. But they might also be the easiest to reduce, with the right strategies in place.
Click here for more Total Tax 365 information
Actively Pursuing Tax Alpha
Incorporating tax-sensitive investing into the daily trading activity of an account can capitalize on market fluctuations and potentially yield better after-tax results.
Read More About Tax Alpha
2023 Tax Tables
View the 2023 Tax Tables here
2024 Tax Tables
View the 2024 Tax Tables here
Morgan Stanley Online (MSO)
Our digital experiences make it easy to manage your money 24/7, from your desktop, tablet or phone.
Features and Login here
Total Wealth View
Total Wealth View (TWV) allows you to link your external accounts with Morgan Stanley Online (MSO) and provides you with a one stop shop to manage your financial picture.
Learn More About TWV
Digital Vault - video
Digital Vault lets you easily and conveniently manage and share life’s most important documents, such as financial statements, authorizations, tax filings, and other relevant files.
See video hereDigital Vault - .pdf
Digital Vault lets you easily and conveniently manage and share life’s most important documents, such as financial statements, authorizations, tax filings, and other relevant files.
See .pdf here
Enrolling in eAuthorizations - video
eAuthorizations allows you to approve transactions electronically and securely on Morgan Stanley Online and the Morgan Stanley Mobile App.
See video hereEnrolling in eAuthorizations - .pdf
eAuthorizations allows you to approve transactions electronically and securely on Morgan Stanley Online and the Morgan Stanley Mobile App.
See .pdf here
Mobile Check Deposits - video
With the Morgan Stanley Mobile App, you can use the mobile check deposit feature to deposit checks drawn on a U.S. bank, anytime, anywhere.
See video hereMobile Check Deposits - .pdf
With the Morgan Stanley Mobile App, you can use the mobile check deposit feature to deposit checks drawn on a U.S. bank, anytime, anywhere.
See .pdf here
Send Money With Zelle - video
Send Money with Zelle® is a fast, easy way to send money to family and friends in minutes using their email address or U.S. mobile phone number right from your mobile app or desktop
See video hereSend Money with Zelle - .pdf
Send Money with Zelle® is a fast, easy way to send money to family and friends in minutes using their email address or U.S. mobile phone number right from your mobile app or desktop
See .pdf here
Pay Bills with Morgan Stanley Payments - video
Morgan Stanley Payments allows you to add your payees, make one-time and recurring payments, and receive your bills electronically.
See video herePay Bills with Morgan Stanley Payments - .pdf
Morgan Stanley Payments allows you to add your payees, make one-time and recurring payments, and receive your bills electronically.
See .pdf here
Morgan Stanley Online Transfers - video
Morgan Stanley Online Transfers allows you to transfer funds between Morgan Stanley account or between your Morgan Stanley accounts and a verified account from another financial institution.
See video hereMorgan Stanley Online Transfers - .pdf
Morgan Stanley Online Transfers allows you to transfer funds between Morgan Stanley account or between your Morgan Stanley accounts and a verified account from another financial institution.
See .pdf here
Spending & Budgeting - video
As a Morgan Stanley client, you have access to Spending and Budgeting tools to help you manage your cash flow across all of your accounts at Morgan Stanley, as well as those held at outside financial institutions.
See video hereSpending & Budgeting - .pdf
As a Morgan Stanley client, you have access to Spending and Budgeting tools to help you manage your cash flow across all of your accounts at Morgan Stanley, as well as those held at outside financial institutions.
See .pdf hereCashPlus - video
The CashPlus Account is a brokerage account intended for short term investments and designed to support clients’ cash management needs.
See video hereCashPlus - .pdf
The CashPlus Account is a brokerage account intended for short term investments and designed to support clients’ cash management needs.
See .pdf here
Cybersecurity & Fraud Prevention
Access articles, videos and more that showcase how Morgan Stanley protects our clients’ data and online security, as well as tips for how they can protect themselves.
Click here for more information
Liquidity Access Line (LAL)
A Liquidity Access Line allows you to use the eligible securities in your investment account(s) as collateral for a line of credit.
See video here
MS Amex Cards
Morgan Stanley clients with an eligible brokerage account can apply for The Platinum Card® from American Express Exclusively for Morgan Stanley and the Morgan Stanley Blue Cash Preferred® Card.
Learn more hereUpcoming Firm Events
We hope you will join us for this upcoming event.
AI Revolution: The Breakthrough, the Buzz and a Blueprint for the Future
We invite you to watch the replay from our thought-provoking conversation on artificial intelligence (AI) with James Dyett, OpenAI's Head of Enterprise & Strategic Sales, Keith Weiss, Morgan Stanley's Head of U.S. Software Research Jeff McMillan, Morgan Stanley's Head of Firmwide Artificial Intelligence, recorded on Monday, March 24.
CRC4303146 03/2025
Online
Additional Replays
Location
14850 N Scottsdale Rd
Suite 600
Scottsdale, AZ 85254
US
Direct:
(480) 922-7804(480) 922-7804
Meet My Team
About Sherry Kaminitz
I joined Morgan Stanley Wealth Management with the purpose of helping clients effectively preserve, grow, and transition their wealth. I believe that every individual and family should have a clear understanding of what their portfolio contains, and how to build a diversified portfolio, and to create a risk adjusted strategy. Wealth management is a process, not a transaction. I work to help define clients' objectives, expectations, and concerns, and use them to develop a customized plan to address the various aspects of their financial life.
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Nikki Ranck
Private Banker
Alex Delgadillo
Financial Planning Director, Vice President
About Nikki Ranck
Nikki Ranck is a Private Banker serving Morgan Stanley Wealth Management offices in Arizona and New Mexico.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Nikki began her career in financial services in 2006, and joined Morgan Stanley in 2022 as a Private Banker. Prior to joining the firm, she was a Senior Client Service Associate at JP Morgan’s Private Bank. She also served as a Mortgage Banker and Branch Manager at JP Morgan Chase, and a Service Manager and Personal Banker at Wells Fargo Bank, N.A.
Nikki lives in Scottsdale, Arizona with her family. Outside of the office, she enjoys traveling and spending time with her family.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Nikki began her career in financial services in 2006, and joined Morgan Stanley in 2022 as a Private Banker. Prior to joining the firm, she was a Senior Client Service Associate at JP Morgan’s Private Bank. She also served as a Mortgage Banker and Branch Manager at JP Morgan Chase, and a Service Manager and Personal Banker at Wells Fargo Bank, N.A.
Nikki lives in Scottsdale, Arizona with her family. Outside of the office, she enjoys traveling and spending time with her family.
NMLS#: 1075581
About Alex Delgadillo
Alex is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Arizona and New Mexico He is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Alex began his career in financial services in 2010, and joined Morgan Stanley in 2022. Prior to his current position, he worked as a Private Client Advisor for J.P. Morgan.
Alex graduated from Arizona State University and Tecnológico de Monterrey and holds his Certified Financial Planner™ designation. Alex lives in Phoenix, Arizona with his family. Outside of work, Alex enjoys film production, stand-up comedy, and tennis. Some organizations that he supports include the Community Food Bank of Southern Arizona, Phoenix Committee on Foreign Relations, Phoenix Sister Cities, Detour Theatre Company, and Cowtown SKATE.
Alex began his career in financial services in 2010, and joined Morgan Stanley in 2022. Prior to his current position, he worked as a Private Client Advisor for J.P. Morgan.
Alex graduated from Arizona State University and Tecnológico de Monterrey and holds his Certified Financial Planner™ designation. Alex lives in Phoenix, Arizona with his family. Outside of work, Alex enjoys film production, stand-up comedy, and tennis. Some organizations that he supports include the Community Food Bank of Southern Arizona, Phoenix Committee on Foreign Relations, Phoenix Sister Cities, Detour Theatre Company, and Cowtown SKATE.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact Edward Roberts 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.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
3Morgan Stanley 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5Morgan 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.
6Investors 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.
7Morgan 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
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
9Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
10The 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.
11Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products 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
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
3Morgan Stanley 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5Morgan 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.
6Investors 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.
7Morgan 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
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
9Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
10The 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.
11Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products 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)
