Thomas J Eggleston
First Vice President, Financial Advisor, Financial Planning Specialist
Phone:
(949) 955-7572(949) 955-7572
Eggleston Sambrano Group at Morgan Stanley
Direct:
(949) 955-7572(949) 955-7572
Toll-Free:
(800) 533-3402(800) 533-3402
Our Mission Statement
Working with you to preserve and grow wealth for your long-term goals
Welcome
Our Mission is to serve as the financial "quarterback" of our clients' lives. We advise and guide them in making decisions which will meaningfully impact their lives and legacy.To accomplish this goal, we must ask the right questions, find appropriate strategies and put all of our experience and resources at Morgan Stanley to work for you. You can count on us to understand the life you envision, and only then can we help create wealth management strategies aimed at meeting the objectives that matter most to you.We are committed to providing you with a truly personal experience and a distinct level of support.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
At Morgan Stanley, we believe that identifying financial solutions begins with a solid understanding of each client’s situation, goals, objectives and risk tolerance. We follow a disciplined process that enables us to work with you to craft a solution that helps to meet your individual financial needs:
Develop a thorough understanding of your financial goals and objectives
Review and analyze your current financial situation
Identify and tailor solutions that can help you meet your individual needs
Implement your customized strategy, including personalized services and benefits
Review your strategy, meeting periodically to discuss your goals and needs
Whatever your financial goal—whether to grow your wealth, preserve it or pass it on to others, you can count on us to help you with a strategy that is:
Personal
Highly individualized and committed to helping you achieve financial success
Flexible
Responsive to changes in your life and in your priorities over time
Comprehensive
Covering a broad array of investment products and services, with preferred benefits tied to your
Develop a thorough understanding of your financial goals and objectives
Review and analyze your current financial situation
Identify and tailor solutions that can help you meet your individual needs
Implement your customized strategy, including personalized services and benefits
Review your strategy, meeting periodically to discuss your goals and needs
Whatever your financial goal—whether to grow your wealth, preserve it or pass it on to others, you can count on us to help you with a strategy that is:
Personal
Highly individualized and committed to helping you achieve financial success
Flexible
Responsive to changes in your life and in your priorities over time
Comprehensive
Covering a broad array of investment products and services, with preferred benefits tied to your
What do we do for our Clients?
Our team helps our clients answer the two most important questions they have regarding their financial future:
Will I make it?
Do I have any financial blind spots?
There is quite a bit that goes into answering those two very important questions. By the end of our initial planning process you will have a complete Financial Plan in place. My team and I will have helped you answer these two very important questions.
How do we do it?
We have yet to meet two clients that have the exact same financial situation or personal and business goals. Thus, our team will take the time to understand everything you would like to accomplish with your wealth and personalize the strategy that is best for you, your family, and your business.
Financial planning:
Guides you to think about areas of your financial life you may not have considered.
Helps you prioritize your financial opportunities.Helps you determine realistic goals.
Studies possible alternatives that could meet your goals.
Implements those recommendations.
Suggests creative alternatives that you may not have considered.
Reviews and recommends life insurance policies to protect your family.
Directs you to someone for estate planning.
Reviews your children’s custodial accounts and 529 plans.
Helps you determine your IRA Required Minimum Distribution.
Persuades you to do the things you know you ought to do, even if you don’t feel like doing them.
Investments:
Stays up to date on changes in the investment world.
Reviews your existing annuities.
Reviews your investments in your company 401(k) or 403(b) plans.
Reviews your existing IRAs.
Guides you through difficult periods in the stock market by sharing historical perspective.
Help to improve your investment performance.
Looks “inside” your mutual funds to compare how many of their holdings duplicate each other.
Convert your investments to lifetime income.
Help you evaluate the differences in risk levels between various fixed-income investments
Helps handle exchanges, tenders and special stock dividends.
Records and researches your cost basis on securities.
Delivers asset allocation advice from leading thinkers.
Mixes active and passive strategies to optimize return potential and fees.
Conducts rigorous manager analysis with a focus on strong governance and demonstrated skill.
Pursues return while managing risk.
Taxes and Tax Planning
Suggests alternatives to lower your taxes during retirement.
Helps you reduce your taxes.
Repositions investments to take full advantage of tax law provisions.
Life Happens…we will be there to help through all periods:
Monitors changes in your life and family situation.
Remains only a telephone call away to answer financial questions for you.
Serves as a human glossary of financial terms such as beta, P/E ratio, and Sharpe ratio.
Refers you to banking establishments for loan and trust alternatives.
Suggests alternatives to increase your income during retirement.
Helps educate your children and grandchildren about investments and financial concepts.
Helps with the continuity of your family’s financial plan through generations.
Facilitates the transfer of investments from individual names to trust, or from an owner through to beneficiaries.
Identifies your savings shortfalls.
Develops and monitors a strategy for debt reduction.
Educates you on retirement issues.
Educates you on estate planning issues.
Educates you on college savings and financial aid options.
Is someone you can trust and get advice from in all your financial matters.
Is a wise sounding board for ideas you are considering.
Is honest with you.
Our team helps our clients answer the two most important questions they have regarding their financial future:
Will I make it?
Do I have any financial blind spots?
There is quite a bit that goes into answering those two very important questions. By the end of our initial planning process you will have a complete Financial Plan in place. My team and I will have helped you answer these two very important questions.
How do we do it?
We have yet to meet two clients that have the exact same financial situation or personal and business goals. Thus, our team will take the time to understand everything you would like to accomplish with your wealth and personalize the strategy that is best for you, your family, and your business.
Financial planning:
Guides you to think about areas of your financial life you may not have considered.
Helps you prioritize your financial opportunities.Helps you determine realistic goals.
Studies possible alternatives that could meet your goals.
Implements those recommendations.
Suggests creative alternatives that you may not have considered.
Reviews and recommends life insurance policies to protect your family.
Directs you to someone for estate planning.
Reviews your children’s custodial accounts and 529 plans.
Helps you determine your IRA Required Minimum Distribution.
Persuades you to do the things you know you ought to do, even if you don’t feel like doing them.
Investments:
Stays up to date on changes in the investment world.
Reviews your existing annuities.
Reviews your investments in your company 401(k) or 403(b) plans.
Reviews your existing IRAs.
Guides you through difficult periods in the stock market by sharing historical perspective.
Help to improve your investment performance.
Looks “inside” your mutual funds to compare how many of their holdings duplicate each other.
Convert your investments to lifetime income.
Help you evaluate the differences in risk levels between various fixed-income investments
Helps handle exchanges, tenders and special stock dividends.
Records and researches your cost basis on securities.
Delivers asset allocation advice from leading thinkers.
Mixes active and passive strategies to optimize return potential and fees.
Conducts rigorous manager analysis with a focus on strong governance and demonstrated skill.
Pursues return while managing risk.
Taxes and Tax Planning
Suggests alternatives to lower your taxes during retirement.
Helps you reduce your taxes.
Repositions investments to take full advantage of tax law provisions.
Life Happens…we will be there to help through all periods:
Monitors changes in your life and family situation.
Remains only a telephone call away to answer financial questions for you.
Serves as a human glossary of financial terms such as beta, P/E ratio, and Sharpe ratio.
Refers you to banking establishments for loan and trust alternatives.
Suggests alternatives to increase your income during retirement.
Helps educate your children and grandchildren about investments and financial concepts.
Helps with the continuity of your family’s financial plan through generations.
Facilitates the transfer of investments from individual names to trust, or from an owner through to beneficiaries.
Identifies your savings shortfalls.
Develops and monitors a strategy for debt reduction.
Educates you on retirement issues.
Educates you on estate planning issues.
Educates you on college savings and financial aid options.
Is someone you can trust and get advice from in all your financial matters.
Is a wise sounding board for ideas you are considering.
Is honest with you.
SS Part 2
Investments:
Stays up to date on changes in the investment world.
Reviews your existing annuities.
Reviews your investments in your company 401(k) or 403(b) plans.
Reviews your existing IRAs.
Guides you through difficult periods in the stock market by sharing historical perspective.
Help to improve your investment performance.
Looks “inside” your mutual funds to compare how many of their holdings duplicate each other.
Convert your investments to lifetime income.
Help you evaluate the differences in risk levels between various fixed-income investments
Helps handle exchanges, tenders and special stock dividends.
Records and researches your cost basis on securities.
Delivers asset allocation advice from leading thinkers.
Mixes active and passive strategies to optimize return potential and fees.
Conducts rigorous manager analysis with a focus on strong governance and demonstrated skill.
Pursues return while managing risk.
Taxes and Tax Planning
Suggests alternatives to lower your taxes during retirement.
Helps you reduce your taxes.
Repositions investments to take full advantage of tax law provisions.
Stays up to date on changes in the investment world.
Reviews your existing annuities.
Reviews your investments in your company 401(k) or 403(b) plans.
Reviews your existing IRAs.
Guides you through difficult periods in the stock market by sharing historical perspective.
Help to improve your investment performance.
Looks “inside” your mutual funds to compare how many of their holdings duplicate each other.
Convert your investments to lifetime income.
Help you evaluate the differences in risk levels between various fixed-income investments
Helps handle exchanges, tenders and special stock dividends.
Records and researches your cost basis on securities.
Delivers asset allocation advice from leading thinkers.
Mixes active and passive strategies to optimize return potential and fees.
Conducts rigorous manager analysis with a focus on strong governance and demonstrated skill.
Pursues return while managing risk.
Taxes and Tax Planning
Suggests alternatives to lower your taxes during retirement.
Helps you reduce your taxes.
Repositions investments to take full advantage of tax law provisions.
SS Part 3
Life Happens…we will be there to help through all periods:
Monitors changes in your life and family situation.
Remains only a telephone call away to answer financial questions for you.
Serves as a human glossary of financial terms such as beta, P/E ratio, and Sharpe ratio.
Refers you to banking establishments for loan and trust alternatives.
Suggests alternatives to increase your income during retirement.
Helps educate your children and grandchildren about investments and financial concepts.
Helps with the continuity of your family’s financial plan through generations.
Facilitates the transfer of investments from individual names to trust, or from an owner through to beneficiaries.
Identifies your savings shortfalls.
Develops and monitors a strategy for debt reduction.
Educates you on retirement issues.
Educates you on estate planning issues.
Educates you on college savings and financial aid options.
Is someone you can trust and get advice from in all your financial matters.
Is a wise sounding board for ideas you are considering.
Is honest with you.
Monitors changes in your life and family situation.
Remains only a telephone call away to answer financial questions for you.
Serves as a human glossary of financial terms such as beta, P/E ratio, and Sharpe ratio.
Refers you to banking establishments for loan and trust alternatives.
Suggests alternatives to increase your income during retirement.
Helps educate your children and grandchildren about investments and financial concepts.
Helps with the continuity of your family’s financial plan through generations.
Facilitates the transfer of investments from individual names to trust, or from an owner through to beneficiaries.
Identifies your savings shortfalls.
Develops and monitors a strategy for debt reduction.
Educates you on retirement issues.
Educates you on estate planning issues.
Educates you on college savings and financial aid options.
Is someone you can trust and get advice from in all your financial matters.
Is a wise sounding board for ideas you are considering.
Is honest with you.
Location
1901 Main Street
Ste 700
Irvine, CA 92614
US
Direct:
(949) 955-7572(949) 955-7572
Toll-Free:
(800) 533-3402(800) 533-3402
Meet Eggleston Sambrano Group
Lauren R Sambrano
Financial Advisor, Associate Vice President
Phone:
(949) 955-7582(949) 955-7582
About Thomas J Eggleston
Tom Eggleston is a First Vice President, Financial Advisor with Morgan Stanley who assists executives, professionals, and senior clients with their financial plans. He addresses issues related to education and retirement, estate and legacy planning, investment and cash management strategies.
Tom believes that he truly makes a difference in the lives of his clients and their families. He aims to help his clients work through the difficult financial decisions they encounter during their lifetimes. He partners with his clients’ trusted professionals (i.e. CPAs, Lawyers etc.) to make sure all parties work together to support the clients’ financial goals.
Toms’ value to his clients is immeasurable during times of personal loss; times when a client is most vulnerable emotionally due to a divorce, death of a spouse, and navigating health care decisions. The service he provides helps his clients work through these difficult life events.
Tom will be celebrating his 33rd year as a Financial Advisor in December, 2018. He has worked for the same firm during his proud career. He has earned the credential as an Accredited Domestic Partnership Advisor, Financial Planning Specialist, Senior Portfolio Manager and Century Council Member. He continues his path of continuing education through financial based conferences and seminars to support his clients’ expanding needs and goals.
Tom studied Economics at the State University of New York at Potsdam where, as a student/athlete, he also played 4 years of Basketball. He coached his two sons in both basketball and soccer in Lake Forest over a 20 year period. He married his High School sweetheart and they are enjoying being grandparents to their growing family.
Tom believes that he truly makes a difference in the lives of his clients and their families. He aims to help his clients work through the difficult financial decisions they encounter during their lifetimes. He partners with his clients’ trusted professionals (i.e. CPAs, Lawyers etc.) to make sure all parties work together to support the clients’ financial goals.
Toms’ value to his clients is immeasurable during times of personal loss; times when a client is most vulnerable emotionally due to a divorce, death of a spouse, and navigating health care decisions. The service he provides helps his clients work through these difficult life events.
Tom will be celebrating his 33rd year as a Financial Advisor in December, 2018. He has worked for the same firm during his proud career. He has earned the credential as an Accredited Domestic Partnership Advisor, Financial Planning Specialist, Senior Portfolio Manager and Century Council Member. He continues his path of continuing education through financial based conferences and seminars to support his clients’ expanding needs and goals.
Tom studied Economics at the State University of New York at Potsdam where, as a student/athlete, he also played 4 years of Basketball. He coached his two sons in both basketball and soccer in Lake Forest over a 20 year period. He married his High School sweetheart and they are enjoying being grandparents to their growing family.
Securities Agent: WA, VT, VA, TX, TN, PA, OR, OK, NY, NV, NJ, NC, MT, MI, MD, MA, IN, IL, ID, IA, HI, GA, FL, DE, CT, NM, CO, CA, AZ, WI, UT; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
CA Insurance License #: 0A03735
CA Insurance License #: 0A03735
About Lauren R Sambrano
About Me:
With over 18 years in the financial services industry, Lauren Sambrano, a Financial Advisor at Morgan Stanley, makes it a priority to create customized financial plans to act as a roadmap to develop and adapt a strategy to meet different demands throughout each stage of her client’s life.
Lauren understands what is most important to her clients and helps them identify how their investment decisions fit into their long-term goals and lifestyle.
A thorough wealth plan must integrate the client’s tax, legal, and investment strategies in order to be effective. My direct approach and a client’s transparency creates an environment to achieve financial success.
Education and Training:
Bachelor of Arts, San Francisco State University
Series 7 General Securities License
Series 63 Uniform Securities Agent State Law
Series 65 Uniform Investment Adviser Law
Services Include:
Financial Planning
Retirement Planning
401(k) Rollovers
Estate Planning Strategies
LGBT Planning Services
Planning for Education Funding
Planning for Special Needs Individuals
Personal Details:
Lauren grew up in Laguna Hills, CA and played collegiate tennis from 2001-2004. She currently resides in Sunset Beach, CA with her wife, Sophie. She enjoys playing tennis, spending time with her family, friends, and god-daughter.
With over 18 years in the financial services industry, Lauren Sambrano, a Financial Advisor at Morgan Stanley, makes it a priority to create customized financial plans to act as a roadmap to develop and adapt a strategy to meet different demands throughout each stage of her client’s life.
Lauren understands what is most important to her clients and helps them identify how their investment decisions fit into their long-term goals and lifestyle.
A thorough wealth plan must integrate the client’s tax, legal, and investment strategies in order to be effective. My direct approach and a client’s transparency creates an environment to achieve financial success.
Education and Training:
Bachelor of Arts, San Francisco State University
Series 7 General Securities License
Series 63 Uniform Securities Agent State Law
Series 65 Uniform Investment Adviser Law
Services Include:
Financial Planning
Retirement Planning
401(k) Rollovers
Estate Planning Strategies
LGBT Planning Services
Planning for Education Funding
Planning for Special Needs Individuals
Personal Details:
Lauren grew up in Laguna Hills, CA and played collegiate tennis from 2001-2004. She currently resides in Sunset Beach, CA with her wife, Sophie. She enjoys playing tennis, spending time with her family, friends, and god-daughter.
Securities Agent: NJ, AZ, CA, CO, CT, DE, FL, GA, HI, ID, IL, MA, MD, MI, MT, NC, NM, NV, NY, OR, PA, TN, TX, UT, VA, VT, WA, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 1706395
CA Insurance License #: 4002274
NMLS#: 1706395
CA Insurance License #: 4002274
Contact Thomas J Eggleston
Contact Lauren R Sambrano
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Kyle Miller
Private Banker
About Kyle Miller
Kyle Miller is a Senior Private Banker serving Morgan Stanley Wealth Management offices in California.
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.
Kyle began his career in financial services in 2005, and joined Morgan Stanley in 2011 as an Associate Private Banker. Prior to joining the firm, he was a Senior Banker at U.S. Bank. He also spent time early in his career with the Denver Broncos.
Kyle is a graduate of the University of Colorado at Boulder, where he received a Bachelor of Science in Marketing and Finance, and San Diego State University, where he received his MBA in Business Administration. He lives in Dana Point, California with his wife and two daughters. Outside of the office, Kyle enjoys skiing, playing golf and volunteering in the community.
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.
Kyle began his career in financial services in 2005, and joined Morgan Stanley in 2011 as an Associate Private Banker. Prior to joining the firm, he was a Senior Banker at U.S. Bank. He also spent time early in his career with the Denver Broncos.
Kyle is a graduate of the University of Colorado at Boulder, where he received a Bachelor of Science in Marketing and Finance, and San Diego State University, where he received his MBA in Business Administration. He lives in Dana Point, California with his wife and two daughters. Outside of the office, Kyle enjoys skiing, playing golf and volunteering in the community.
NMLS#: 798374
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?
Article Image
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 Eggleston Sambrano Group today.
1Morgan 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.
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 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.
5The 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.
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.
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.
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
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 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.
5The 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.
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.
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.
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)
