Mary Elliott
Business Development Director
Phone:
(732) 389-5159(732) 389-5159
Eileen Russo
Senior Vice President, Wealth Management,
Financial Advisor,
Financial Planning Specialist,
Workplace Advisor – Equity Compensation,
Senior Portfolio Manager
Direct:
(732) 389-8685(732) 389-8685
Toll-Free:
(800) 965-9217(800) 965-9217
My Mission Statement
To help you control what you can, recognize what you can't and plan for what matters to you and your family.
About Me
I have been a financial professional for 33 years working in New York City with high net worth and institutional clients. Prior to joining Morgan Stanley, I had been a Director at Credit Suisse on the Private Banking Institutional Equity Trading Desk managing large institutions, hedge funds and UHNW individuals. I joined Morgan Stanley March of 2017 with a focus on family wealth planning. I believe every client is different and unique and with that every client should begin with a well thought out comprehensive financial plan as the foundation of our long term relationship.
I am a wife and a mother of 3 children and am a resident of Point Pleasant, NJ. I love to spend time with my family & friends or on my farm in the garden.
As your Financial Advisor, I can help you define and strive to meet your unique goals and your families goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together I can help you to preserve and grow your wealth. You will have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices. I hold the following licenses Series 7, 63, 66, 3, 55, 9 & 10. Health & Life.
I am a wife and a mother of 3 children and am a resident of Point Pleasant, NJ. I love to spend time with my family & friends or on my farm in the garden.
As your Financial Advisor, I can help you define and strive to meet your unique goals and your families goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together I can help you to preserve and grow your wealth. You will have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices. I hold the following licenses Series 7, 63, 66, 3, 55, 9 & 10. Health & Life.
Securities Agent: WV, WI, WA, VT, VA, UT, TX, TN, SC, RI, PR, PA, OR, OK, OH, NY, NV, NM, NJ, NH, NE, ND, NC, MT, MO, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AR, AL, AK, WY, VI, SD, MS; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1650437
NMLS#: 1650437
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
First Meeting & My Process
Here is a list of what is needed and what will be discussed during our first meeting. This list assumes a joint household, however, everything holds true for a single person.
Helpful:
1. Approximate earnings in 2025
2. Approximate contributions to retirement plans in 2025 as well as any company/state match
3. Approximate spending in 2025. How much do you spend each month or annually.
4. Breakdown of assets:
a. How much and where are retirement plans or IRA's?
b. How much and where are non-retirement plan assets?
c. Will anyone be collecting a pension and if so, how much?
5. Social security statement as well as your social security payments.
Optional:
1. If you already have a detailed retirement plan, please provide it.
2. Your most recent tax return.
Your Ideas:
1. Your goals, hopes, and dreams
2. Your risk tolerance levels.
3. What you would like your legacy to be.
My wealth management strategy is centered around you, your family, and your profession - where you are now and where you want to be in the future. We provide the structure to help you get there. Check out our process below:
Helpful:
1. Approximate earnings in 2025
2. Approximate contributions to retirement plans in 2025 as well as any company/state match
3. Approximate spending in 2025. How much do you spend each month or annually.
4. Breakdown of assets:
a. How much and where are retirement plans or IRA's?
b. How much and where are non-retirement plan assets?
c. Will anyone be collecting a pension and if so, how much?
5. Social security statement as well as your social security payments.
Optional:
1. If you already have a detailed retirement plan, please provide it.
2. Your most recent tax return.
Your Ideas:
1. Your goals, hopes, and dreams
2. Your risk tolerance levels.
3. What you would like your legacy to be.
My wealth management strategy is centered around you, your family, and your profession - where you are now and where you want to be in the future. We provide the structure to help you get there. Check out our process below:
1. Discovery Process
Where we invest the time to learn about you and your family, your assets and liabilities, and your risk exposures, which enables us to formulate strategies and customize the relationship to your needs.
2. Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
3. Creation of Customized Strategic Asset Allocatio
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
4. Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
5. Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
6. Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
Awards and Designations
America's Top Wealth Management Teams - Forbes
Recognized by Forbes in their 2022-2024 rankings of America's Top Wealth Management Teams. Awarded to groups of experienced wealth managers that have proven track records of success according to SHOOK Research, which uses quantitative and qualitative data, including interviews, to rank teams.
Source: Forbes.com (Awarded 2022-2024) Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Award Disclosures:(https://www.morganstanley.com/disclosures/awards-disclosure.html)
Source: Forbes.com (Awarded 2022-2024) Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Award Disclosures:(https://www.morganstanley.com/disclosures/awards-disclosure.html)
Top 250 Private Wealth Management Teams - Barron's
Recognized in Barron's 2024 Top 250 Private Wealth Management Teams. Teams are ranked on a variety of factors, including their size and shape, their regulatory records and credentials of their members, and the resources they have at their disposal to serve their client bases.
(Source: Barron's (Awarded May 2024). Data compiled by Barron's based on time period from Jan 2023-Dec 2023. https://mgstn.ly/3WD0yje)
(Source: Barron's (Awarded May 2024). Data compiled by Barron's based on time period from Jan 2023-Dec 2023. https://mgstn.ly/3WD0yje)
Best-In-State Wealth Management Teams - Forbes
Recognized by Forbes magazine’s 2023-2025 rankings of Best-In-State Wealth management teams. Awarded to groups of experienced wealth managers that have proven track records of success according to SHOOK Research, which uses quantitative and qualitative data, including interviews, to rank teams.
Disclosure:
Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Award Disclosures:(https://www.morganstanley.com/disclosures/awards-disclosure.html)
Disclosure:
Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Award Disclosures:(https://www.morganstanley.com/disclosures/awards-disclosure.html)
Workplace Advisor – Equity Compensation
This designation was developed for Financial Advisors with the expertise and knowledge necessary to help clients make informed decisions when it comes to their equity compensation.
Financial Planning Specialist
The Financial Planning Specialist designation was developed for Financial Advisors who have significantly incorporated financial planning into their practice.
Modern Wealth Tools
Morgan Stanley's suite of financial wealth management technology makes it easier for our clients to view and manage their finances. It allows for a more in-depth view of a client's finances, allowing us to provide more customized advice and better service so you can make better decisions.
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond simply viewing your account balance and activity. These include:
- eAuthorizations: Authorize transactions securely, with a single click on Morgan Stanley Online and the Morgan Stanley Mobile App.
- Manage everyday finances such as paying bills online, sending money or transferring funds.
- Access to Morgan Stanley's current market research, as well as our financial education center.
Morgan Stanley Online Registration- eAuthorizations: Authorize transactions securely, with a single click on Morgan Stanley Online and the Morgan Stanley Mobile App.
- Manage everyday finances such as paying bills online, sending money or transferring funds.
- Access to Morgan Stanley's current market research, as well as our financial education center.
Digital Vault
No more searching for vital financial documents. The Digital Vault on Morgan Stanley Online and the Mobile App allows you to build a central, shared document library where all documents are stored using encryption, guarded by Morgan Stanley's industry-leading cyber-security tools and team.
Keeping important documents and financial records organized and readily available is one of the best gifts you can give to those you love. In the event of catastrophe or serious illness, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors.
Learn MoreKeeping important documents and financial records organized and readily available is one of the best gifts you can give to those you love. In the event of catastrophe or serious illness, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors.
Total Wealth View
Total Wealth View allows you to link your financial information from other accounts at other institutions directly to your Morgan Stanley Online or Mobile App profile. It gives you a more complete view of your financial picture and will help us make better decisions with respect to your goal planning. By updating your information in real time, it eliminates the inconvenience of having to provide statements and ensures that we are making decisions based on a full and timely financial picture.
Learn More
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery. Currently, documents available through eDelivery include statements, trade confirmations and prospectuses, general correspondence, selected Internal Revenue Service (IRS) approved tax documents, syndicate offerings, shareholder communications, and portfolio reports.
EnrollNAVIGATING RETIREMENT PLANS
Retirement is one of life's biggest benchmarks, and my goal here is to make sure you are prepared. Below is my standard process for planning and monitoring your retirement process.
Step 1: Assets
Your assets may include, 401(K), 403(b), 457 plans, lump sum pensions, real estate, investment accounts, bank accounts, stock options, stock purchase plans, and business assets.
Step 5: Risk Management
It's important to make sure your plan has the proper guardrails to keep you and your family on track.
Some of these guardrails include insurance planning. We recommend reviewing your term, whole life, or long term care insurance needs prior to retirement.
Some of these guardrails include insurance planning. We recommend reviewing your term, whole life, or long term care insurance needs prior to retirement.
Step 2: Liabilities
In general, we advise our clients to be debt free in retirement. Before you retire, it's important to examine all your liabilities.
Liabilities may include; mortgages, lines of credit, student loans, vehicle loans, credit cards, and business loans.
Liabilities may include; mortgages, lines of credit, student loans, vehicle loans, credit cards, and business loans.
Step 6: Estate Planning Strategies
As you approach retirement, it's important to make sure your estate planning strategy is aligned with your investment and financial plans.
You may consider hiring an estate attorney who can help design wills, trusts, powers of attorney, and medical directives.
You may consider hiring an estate attorney who can help design wills, trusts, powers of attorney, and medical directives.
Step 3: Income
In retirement, you'll likely need to generate enough income to maintain your current lifestyle. You may have multiple sources of fixed income including pension payments and Social Security. You may also have other sources of fixed income as well during retirement.
Step 7: Assembling Your Team
Before and during retirement, it's important your personal tax advisor, personal estate planning attorney, and financial advisor communicate regularly and operate as a virtual team on your behalf. Your virtual team should meet with you and your family at least annually.
Step 4: Expenses
Knowing what your expenses will be in retirement is critical. During the accumulation years of your life, savings rates are the key to success. During retirement however, withdrawal rates matter the most.
Our technology can help you manage and track your expenses to help make sure your plan remains successful throughout retirement.
Our technology can help you manage and track your expenses to help make sure your plan remains successful throughout retirement.
Step 8: Continued Monitoring
Approaching and during retirement, it's important to check up on your investment and financial plans to make sure they are on track.
Our technology can help track and manage your plans to help ensure they are successful throughout retirement.
Our technology can help track and manage your plans to help ensure they are successful throughout retirement.
Location
1030 Broad Street 3rd
Floor
Shrewsbury, NJ 07702
US
Direct:
(732) 389-8685(732) 389-8685
Toll-Free:
(800) 965-9217(800) 965-9217
Fax:
(732) 974-3318(732) 974-3318
1030 Broad Street
Third Floor
Shrewsbury, NJ 07702
US
Direct:
(732) 389-8685(732) 389-8685
Meet My Team
Anjie Salvaryn
Registered CSA
Phone:
(732) 389-5153(732) 389-5153
Sharon Auleta
Client Service Associate
Phone:
(732) 389-8664(732) 389-8664
About Mary Elliott
Melissa started her career in 2001 as a Specialist Clerk on the New York Stock Exchange. In 2007, Melissa transitioned to Morgan Stanley and joined The SVS Wealth Management Team as a Client Service Associate. Now, as a Financial Advisor, Melissa focuses on providing total wealth management solutions to our clients. In the process, she is able to build and maintain strong relationships with them.
Melissa is a graduate of Rider University and currently lives in Marlboro, NJ with her husband, Brian and their daughter, Paige.
Melissa is a graduate of Rider University and currently lives in Marlboro, NJ with her husband, Brian and their daughter, Paige.
Securities Agent: WI, TX, TN, WY, NV, PR, RI, SC, MO, WV, SD, UT, VI, NJ, FL, IA, AK, PA, MS, DE, OK, NM, VA, NH, ND, NE, NC, WA, IN, MT, HI, KY, MN, LA, MD, ME, MA, MI, KS, AL, GA, IL, ID, AR, CT, DC, CA, CO, AZ, VT, NY, OR, OH; General Securities Representative; Investment Advisor Representative
About Anjie Salvaryn
Anjie started with the SVS Team in 2020 but has been in the financial industry since 1987 working at First Investors, then Foresters Financial, where she assisted both financial advisors and clients.
She lives in East Brunswick with her husband, her daughter, who is in college and their cat. In her spare time, she likes to attend concerts and travel.
She holds the Series 7 and 66 licenses.
She lives in East Brunswick with her husband, her daughter, who is in college and their cat. In her spare time, she likes to attend concerts and travel.
She holds the Series 7 and 66 licenses.
About Sharon Auleta
Sharon's financial services career began in NYC over 30 years ago with TIAA as a Registered Representative. During her time at TIAA she received several promotions, expanding her knowledge and experience. After almost 9 years with TIAA, she accepted a position with Oppenheimer Funds Distributors as an AVP Marketing Manager for the Wealth Management group. She supported the Retirement Plan department and played an integral role in the 529 plan product launch. In 2003, she stepped away from the financial industry to raise her daughter, Anneliese. In 2008, she transitioned to the real estate industry, selling real estate, issuing Title Policy Insurance, and processing home mortgages. This allowed her to stay close to home and be the best mom she could. In 2022, she joined a Federal Credit Union as a Business Resources and Service Support Manager, responsible for resolving high-level member complaints, managing the call center, and supporting local retail branches. She also led a project for a new internal system launch. Now, she has returned to the financial industry.
Outside of work she enjoys spending time with family, friends, and her cat Sugar Lily. She is always looking for a good horror TV show or movie to watch. Some of her favorite local places to visit are Grounds for Sculpture, Cape May, Lake George, Lambertville, New Hope, and of course NYC. Her best accomplishment has been raising her daughter and shaping her future to be successful and independent.
Outside of work she enjoys spending time with family, friends, and her cat Sugar Lily. She is always looking for a good horror TV show or movie to watch. Some of her favorite local places to visit are Grounds for Sculpture, Cape May, Lake George, Lambertville, New Hope, and of course NYC. Her best accomplishment has been raising her daughter and shaping her future to be successful and independent.
Securities Agent: RI, NV, IL, KS, NE, DC, CO, WV, ME, OR, SD, AZ, TX, NH, WA, CT, WI, AK, OK, UT, TN, NM, LA, HI, IN, FL, SC, GA, KY, MN, IA, PA, DE, ID, WY, VI, VA, MS, MT, MI, NC, PR, VT, OH, MA, NJ, MO, ND, AL, AR, CA, NY, MD; General Securities Representative; Investment Advisor Representative
Hear from Our Clients
What sets Eileen apart is her ability to look beyond the numbers and truly connect with her clients. She took the time to get to know not only me but also my wife and family, ensuring that our financial strategy aligned with our long-term goals and values. Her ability to refocus us from the daily fluctuations of the market to a more goal-oriented and balanced approach has been invaluable.
William G.
Verified ClientMarch 2, 2025
Testimonial(s) solicited by Morgan Stanley and provided by current client(s) at the time of publication. No compensation of any kind was provided in exchange for the client testimonial(s) presented. Client testimonials may not be representative of the experience of other clients and are not a guarantee of future performance or success.
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Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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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
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Eileen Russo today.
1Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
2Morgan 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
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.
5Investors 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.
6When 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.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
2Morgan Stanley 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
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.
5Investors 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.
6When 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.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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.
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.
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Awards Disclosures
CRC 6491812 (04/2024)
