Olive Guo
Wealth Management Associate
Phone:
(626) 683-4612(626) 683-4612
Elly Wong, CFP®
Executive Director,
Financial Advisor,
Senior Portfolio Management Director,
International Client Advisor,
Insurance Planning Director,
Alternative Investments Director
Direct:
(626) 683-4648(626) 683-4648
My Mission Statement
I am passionate about helping you and your family organize your finances by leading with exceptional ideas, providing distinctive care and personalized attention
Welcome
Elly Wong is an Executive Director at the Morgan Stanley Pasadena Office. With an impressive background as a Certified Financial Planner (CFP) Senior Portfolio Management Director, International Client Advisor, Alternative Investment Director and Insurance Planning Director, Elly has dedicated over two decades to successfully manage the wealth of high-net-worth individuals, families, and corporations.
Elly's approach to wealth management revolves around a comprehensive, holistic perspective that emphasizes growth, capital preservation, and the seamless transfer of wealth to the next generation. Central to her practice are her valued clients, who are at the heart of every decision she makes. As a trusted advisor she believes that true success lies not only in portfolio performance but also in ensuring overall client satisfaction through exceptional services.
Catering to a diverse clientele, Elly and her team understand the unique backgrounds and cultures of their clients. This awareness fuels their commitment to provide personalized attention and support for each client's financial priorities.
To achieve their mission of financial success, Elly and her team offer first-class concierge services. They craft custom strategies, executed with meticulous attention and prudence, to develop highly tailored portfolios. Deeply familiar with their client's risk tolerance, income needs, and short- and long-term goals, they employ Morgan Stanley's extensive resource platforms, encompassing research premiere trading and execution, equity and fixed income products, structured investments, alternative investments, and insurance.
Elly has been recognized for her outstanding accomplishments as a wealth advisor in multiple prestigious rankings. Her accolades include...
- Forbes List of "Best-In-State Walth Advisor" 2025
- Forbes List of "Top Women Wealth Advisors Best-In-State" 2022 & 2023 & 2024 & 2025
- Forbes List of "America's Top Women Wealth Advisors" 2021 & 2022
- Working Mother and Shook Research's List of "Top Wealth Advisor Moms" 2021
Elly looks forward to the privilege of understanding your specific financial needs and life goals. With her wealth of experience and dedication to personalized service, she is ready to help you achieve financial success and secure your future.
Disclosures
Forbes (Awarded April 2025) Data compiled by SHOOK Research LLC based on time period from 6/30/23-6/30/24.
2021-2025 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-in-State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms Source: Workingmother.com (Awarded Oct 2021) Data compiled by SHOOK Research LLC based on time period from 3/31/20 - 3/31/21.
Services Include
- Professional Portfolio ManagementFootnote1
- Retirement PlanningFootnote2
- Asset Management
- Alternative InvestmentsFootnote3
- Structured ProductsFootnote4
- 401(k) Rollovers
- Trust AccountsFootnote5
- 529 PlansFootnote6
- AnnuitiesFootnote7
- Estate Planning StrategiesFootnote8
- Sustainable InvestingFootnote9
- LGBT+ Planning ServicesFootnote10
- Fixed IncomeFootnote11
- Cash ManagementFootnote12
Securities Agent: PA, OR, AZ, UT, WA, MA, NY, NV, HI, CA, OK; General Securities Representative; Investment Advisor Representative
NMLS#: 1255590
CA Insurance License #: 0D22818
NMLS#: 1255590
CA Insurance License #: 0D22818
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
My clients are at the core of everything I do as a financial advisor. I believe that my success is measured not only by my clients' financial performance but also their overall satisfaction with the service I provide.
Your situation is unique and requires a financial plan that works for your specific needs. My team and I are committed to providing you the personal support and attention required for your success. Read more below on the clients I work with and how I help them achieve their goals.
Your situation is unique and requires a financial plan that works for your specific needs. My team and I are committed to providing you the personal support and attention required for your success. Read more below on the clients I work with and how I help them achieve their goals.
Individuals
You worked hard to build your wealth and I am here to help. I understand that managing your finances can be overwhelming especially when you have multiple goals and competing priorities. That's why we offer comprehensive financial planning services designed to help you create a roadmap for your financial future. We work with you every step of the way to ensure that you have the support and guidance to make informed decisions about your money.
High Net Worth & Ultra-High Net Worth Families
Creating a sound financial strategy for your family requires a holistic approach to your financial needs. I help families manage more than their investments. From education planning to estate and tax strategies, I help clients create a secure future for their families so they can spend less time worrying about their finances and spend more time with the people they love.
Corporate Executives
As a corporate executive with concentrated positions, you may have to consider a different approach to managing your assets. I work closely with corporate executives to guide them through their concentrated positions and educate them on their options. Whether you are looking to diversify your holdings or need liquidity for significant expenses, my team and I are here to support you.
Business Owners
Owning a business can extra complexity to managing your finances. My team and I have experience working with business owners and have helped them tackle the challenges associated with both their personal life and their business endeavors. Some of our services include cash management, lending services and exit planning.
Family Offices
Family Offices that support affluent families require the support of an advisor that understands how to manage significant wealth. I act as an extension of the Family Office to guide them in managing assets, that are private and complex in nature, while minimizing the taxes they pay in order to establish a legacy that supports their goals.
My Services
Creating a financial plan that covers all your needs is important in reaching your financial goals. Planning ahead for life events and challenges you may face gives you the confidence and security in the success of your financial plan. Read more below on some of the services I offer and how they can help you create a holistic approach to wealth management.
Portfolio Management
You have access to professional portfolio management services to put your money to work. In alignment with our client's profile, we decide on an allocation model that best fits their needs. Our team works diligently to monitor the financial landscape and adjust your portfolio as needed.
Learn More
Lending Products
Expected or unexpected, large expenses can often derail us from reaching our financial goals. We work with you to incorporate a healthy amount of debt to provide liquidity while helping you stay on track with your financial plan. We provide our clients with a wide range of lending solutions that best fit them.
Learn More
529 Education Savings Plans
529 plans offer a flexible, tax-advantaged way to invest for education expenses while helping to improve estate planning. Gain fiduciary oversight of your education funding strategy within the context of your broader portfolio through the exclusive Morgan Stanley National Advisory 529 Plan.
529 Plan Options at Morgan Stanley
Donor Advised Funds (DAF)
A solution that may help you execute planned giving, offer an efficient way to donate complex and illiquid assets, and simplify charitable giving reporting while potentially mitigating taxes. Bring philanthropy into your wealth plan and help amplify the impact of your giving through the Morgan Stanley Global Impact Funding Trust (MS GIFT).
MS GIFT
Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income. From simplified vehicles available more broadly to institutional strategies, the platform supports a goals-based approach for asset allocation tailored to investor needs.
Morgan Stanley Alternative Investments
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential, manage unrealized gains and help keep more of what you earn.
Learn MoreInternational Wealth Management
About IWM
Morgan Stanley International Wealth Management (IWM) harnesses the extensive capabilities of the firm to serve investors located outside the United States. Our International Client Advisors are familiar with the investment challenges and opportunities that are unique to your part of the world and can recommend highly customized strategies to help you address your specific goals.
Learn More About IWMElly Wong - International Client Advisor
I am devoted to utilizing my broad international perspective to help a global clientele of affluent families and individuals create and implement highly customized wealth management strategies. I manage discretionary portfolios for clients residing in Asia, with a particularly strong concentration in China, Taiwan, and Hong Kong, and am intimately familiar with the technical complexities of offshore investing and cultural expectations within Asian families. I take pride in helping my clients in all aspects of their life when dealing with investing in the United States and abroad.
I constantly continue to expand my services and experience not only in building customized portfolios and goals-based, big picture financial planning, but also in working with clients to review their trust end estate strategies to help ensure they are well structured to avoid the serious tax consequences facing nonresident investors in the U.S. This may involve collaborating with their attorney and other advisors to establish appropriate offshore trusts and other vehicles. I look forward to discussing your specific needs and goals and how we can work together to address them.
I constantly continue to expand my services and experience not only in building customized portfolios and goals-based, big picture financial planning, but also in working with clients to review their trust end estate strategies to help ensure they are well structured to avoid the serious tax consequences facing nonresident investors in the U.S. This may involve collaborating with their attorney and other advisors to establish appropriate offshore trusts and other vehicles. I look forward to discussing your specific needs and goals and how we can work together to address them.
Resources For You
Clients of Morgan Stanley Financial Advisors have access to a variety of resources to enhance different aspects of their financial life. Explore tools that make managing your finances easier, perks and benefits designed to help you save money, and insights to keep you updated on current market trends.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments in one place. Utilize the Morgan Stanley mobile app to conveniently access your account and send and transfer money on the go.
Learn More
Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our cutting edge tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth Management
A $695 Annual Engagement Bonus
For eligible Platinum CashPlus brokerage account clients with The Platinum Card® from American Express, exclusively for Morgan Stanley. Certain Morgan Stanley Debit Cardholders may also qualify. Terms apply.
Click Here to Learn More
Cybersecurity & Fraud Prevention
Learn about our latest security measures, how we are safeguarding your assets and personal information and explore a suite of digital tools that helps reduce your risk of fraud and data loss.
Learn More
Reserved Living & Giving
Our complimentary perks program for eligible Morgan Stanley Clients designed to provide benefits beyond traditional wealth management services. Access discounts for popular brands, travel services, and one-of-a-kind experiences,
Learn More
Global Investment Office
The Morgan Stanley Global Investment Office provides you with world-class thought leadership, timely market commentary, and portfolio ideas to help guide your investment decisions.
Learn MoreLocation
55 South Lake Ave
Ste 700
Pasadena, CA 91101
US
Direct:
(626) 683-4648(626) 683-4648
Fax:
(626) 397-4039(626) 397-4039
Meet My Team
Willow Lau, CFA®
International Lending Advisor
Lindsay Li
Registered Client Service Associate
Phone:
(626) 683-4626(626) 683-4626
About Olive Guo
Olive went to Boston University and graduated with a Master Degree in Economics, after receiving a Bachelor of Science in Finance from the University of Southampton in England. She has been working as a registered client associate with Elly started in 2017 in Morgan Stanley.
Currently Olive is a Wealth Management Associate in Elly’s team with dedication and conscientiousness on maintaining accounts, developing relationships with clients and proactively helps to resolve issues and concerns, servicing international clients on complex situations. She utilizes her knowledge, passion and expertise with strong work ethic to support Elly to serve high net-worth clients. Olive holds active Series 7 and Series 66 License from FINRA. She speaks fluent English and Mandarin.
Currently Olive is a Wealth Management Associate in Elly’s team with dedication and conscientiousness on maintaining accounts, developing relationships with clients and proactively helps to resolve issues and concerns, servicing international clients on complex situations. She utilizes her knowledge, passion and expertise with strong work ethic to support Elly to serve high net-worth clients. Olive holds active Series 7 and Series 66 License from FINRA. She speaks fluent English and Mandarin.
About Willow Lau
Willow Lau is a Senior International Lending Advisor working with Morgan Stanley’s Wealth Management partners across the Pacific Coast Region.
Willow has over a decade of financial services experience working with clients in Asia and North America. Prior to joining Morgan Stanley, Willow worked as a Vice President at Barclays Investment Bank in Hong Kong serving as a Prime Risk Manager.
Willow received his Bachelor of Engineering from The Hong Kong University of Science and Technology and earned his Masters in Finance from Virginia Commonwealth University. Michael is a native Chinese speaker and a Chartered Financial Analyst holder.
Willow has over a decade of financial services experience working with clients in Asia and North America. Prior to joining Morgan Stanley, Willow worked as a Vice President at Barclays Investment Bank in Hong Kong serving as a Prime Risk Manager.
Willow received his Bachelor of Engineering from The Hong Kong University of Science and Technology and earned his Masters in Finance from Virginia Commonwealth University. Michael is a native Chinese speaker and a Chartered Financial Analyst holder.
About Lindsay Li
Lindsay went to University of California, Santa Barbara and graduated with a Bachelor's Degree in Economics in 2020. Upon graduation, Lindsay worked in retail banking for a year and a half. She then went to Cornell University and graduated with a Master's Degree in Applied Economics and Management. She started working as an Intern with Elly in August of 2023 at Morgan Stanley, and transitioned into a full time Registered Client Service Associate in April 2024.
Currently, Lindsay assists Elly’s team by conducting investment research, preparing financial planning analysis, and providing administrative support, Lindsay holds active Series 7 and 66 licenses from FINRA. She is fluent in English and Mandarin.
Currently, Lindsay assists Elly’s team by conducting investment research, preparing financial planning analysis, and providing administrative support, Lindsay holds active Series 7 and 66 licenses from FINRA. She is fluent in English and Mandarin.
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
Peter Barash
Private Banker
About Peter Barash
Peter Barash is a 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.
Peter began his career in financial services in 1984, and joined Morgan Stanley in 2010 as a Private Banker. Prior to joining the firm, he was a Private Banking Specialist at U.S. Bank.
Peter is a graduate of Columbia University, where he received a Bachelor of Arts in Economics and Comparative Literature. He holds an MBA from the University of Southern California. He lives in Glendale, California with his family. Outside of the office, Peter enjoys, hiking, playing bass guitar and reading.
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.
Peter began his career in financial services in 1984, and joined Morgan Stanley in 2010 as a Private Banker. Prior to joining the firm, he was a Private Banking Specialist at U.S. Bank.
Peter is a graduate of Columbia University, where he received a Bachelor of Arts in Economics and Comparative Literature. He holds an MBA from the University of Southern California. He lives in Glendale, California with his family. Outside of the office, Peter enjoys, hiking, playing bass guitar and reading.
NMLS#: 799189
Private Bankers, Ultra High Net Worth (“UHNW”) Sales Specialists, Lending Advisors, Mortgage Consultants, Relationship Managers, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Wealth Management
Global Investment Office
Portfolio Insights
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
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Ready to start a conversation? Contact Elly Wong today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley’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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3Alternative 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.
4Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
9The 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.
10Morgan 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.
11Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
12Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER® and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley’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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3Alternative 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.
4Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
9The 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.
10Morgan 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.
11Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
12Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
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Awards Disclosures
CRC 6491812 (04/2024)
