Emily Sax Bender, CFA®
Executive Director, Wealth Management,
Financial Advisor,
Portfolio Management Director
Direct:
(212) 603-6274(212) 603-6274
My Mission Statement
Relatable. Legacy Focused. Geographically Expansive. Deep Industry knowledge. Forward thinking. Multi-generational Advisory team.
Our team was founded in 1989, which means we have been through some of the most profound and historic events of modern times – good and bad.
The Pelican Bay Group provides comprehensive solutions that focus on legacy planning and wealth transition between generations. We have a strong commitment to build deep relationships. Our team is diverse with a national presence. We look to the future and utilize modern planning techniques and investment technology to help build a customized, successful investment experience for our clients.
Our team was founded in 1989, which means we have been through some of the most profound and historic events of modern times – good and bad.
The Pelican Bay Group provides comprehensive solutions that focus on legacy planning and wealth transition between generations. We have a strong commitment to build deep relationships. Our team is diverse with a national presence. We look to the future and utilize modern planning techniques and investment technology to help build a customized, successful investment experience for our clients.
My Story and Services
Known for her process-driven style and strong work ethic, Emily offers clients a wealth of valuable experience and knowledge in helping them create a custom financial plan to achieve their unique goals within their desired time horizon.
With Emily, clients can expect to receive highly personalized advice following an in-depth discovery process, a disciplined wealth management approach for all their objectives and the highest possible level of quality and service and support throughout their relationship with her.
Emily takes the time to help ensure her clients fully understand the strategies behind her recommendations, so they remain informed at all times and committed to the financial plan she and her team has meticulously crafted for them.
“I am deeply devoted to building solid, long-term relationships with clients,” she says. “I want them to know I am here for them to discuss their portfolio and serve as a financial quarterback in helping them get to where they want to be.”
Following an impressive collegiate career – Emily graduated Magna Cum Laude from Syracuse University -- she worked in GE Capital’s financial management program, and upon completion joined GE’s corporate lending business. She came to Morgan Stanley more than a decade ago to work directly with high-net-worth clients, notably multigenerational families, and business owners.
Along the way, she has been recognized for her contributions to investors: She has been named one of Forbes List of America’s Top Women Wealth Advisors Best-in-State in 2024 and 2025, Forbes’ Top Next Gen Advisors in 2023, 2024 and 2025, and to the Forbes’ Top Next Gen Wealth Advisors Best-in-State, in 2022, 2023 and 2024. In 2024, Emily was named one of 11 women named a MAKER at Morgan Stanley.
Emily is past President of the Northeast Region’s Women’s Business Development Council, Women in Wealth LIFT. She sat for many years on the inaugural Anita M. Perlman Women’s Leadership Initiative Advisory Council within the B’nai Brith Youth Organization and is currently President of local charity, Larchmont Friends of the Family.
Deeply committed to continuing her education to best serve her clients, Emily has the Chartered Financial Analyst (CFA) designation and holds her FINRA Series 7 and 66 Securities Registrations and Life, Accident & Health Insurance Licensing.
A native of Potomac, Maryland, Emily resides in Larchmont, N.Y. with her husband and two sons. She loves to cook, read, and spend time with family and friends.
2024-2025 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 2024-2025. Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2022-2025 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
With Emily, clients can expect to receive highly personalized advice following an in-depth discovery process, a disciplined wealth management approach for all their objectives and the highest possible level of quality and service and support throughout their relationship with her.
Emily takes the time to help ensure her clients fully understand the strategies behind her recommendations, so they remain informed at all times and committed to the financial plan she and her team has meticulously crafted for them.
“I am deeply devoted to building solid, long-term relationships with clients,” she says. “I want them to know I am here for them to discuss their portfolio and serve as a financial quarterback in helping them get to where they want to be.”
Following an impressive collegiate career – Emily graduated Magna Cum Laude from Syracuse University -- she worked in GE Capital’s financial management program, and upon completion joined GE’s corporate lending business. She came to Morgan Stanley more than a decade ago to work directly with high-net-worth clients, notably multigenerational families, and business owners.
Along the way, she has been recognized for her contributions to investors: She has been named one of Forbes List of America’s Top Women Wealth Advisors Best-in-State in 2024 and 2025, Forbes’ Top Next Gen Advisors in 2023, 2024 and 2025, and to the Forbes’ Top Next Gen Wealth Advisors Best-in-State, in 2022, 2023 and 2024. In 2024, Emily was named one of 11 women named a MAKER at Morgan Stanley.
Emily is past President of the Northeast Region’s Women’s Business Development Council, Women in Wealth LIFT. She sat for many years on the inaugural Anita M. Perlman Women’s Leadership Initiative Advisory Council within the B’nai Brith Youth Organization and is currently President of local charity, Larchmont Friends of the Family.
Deeply committed to continuing her education to best serve her clients, Emily has the Chartered Financial Analyst (CFA) designation and holds her FINRA Series 7 and 66 Securities Registrations and Life, Accident & Health Insurance Licensing.
A native of Potomac, Maryland, Emily resides in Larchmont, N.Y. with her husband and two sons. She loves to cook, read, and spend time with family and friends.
2024-2025 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 2024-2025. Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2022-2025 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2022-2025). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Securities Agent: IL, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY, IN, PR, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID; General Securities Representative; Investment Advisor Representative
NMLS#: 1297868
NMLS#: 1297868
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
Managing your finances is not something you should do alone. At Morgan Stanley we work closely with you to develop a tailor-made, one-on-one solution that makes sense for you and your long-term goals. Our comprehensive approach encourages open communication, so we can determine what’s most important to you, formulate a customized financial plan and make adjustments over time as your life evolves.
Financial responsibility knows no age. We work with clients of all ages and generations, developing long-term relationships and tailor-made portfolios. Through tax efficiencies and preservation of capital, we help you protect your future so you can live the lifestyle you deserve.
Technology brings us to the next level. Morgan Stanley offers world-class financial tools that we are proud to provide. Our financial dashboards encompass your total portfolio in one place, making it easy to manage your personal finances.
There is strength in working together. Let us help you with the little things, so you can achieve the big ones.
Financial responsibility knows no age. We work with clients of all ages and generations, developing long-term relationships and tailor-made portfolios. Through tax efficiencies and preservation of capital, we help you protect your future so you can live the lifestyle you deserve.
Technology brings us to the next level. Morgan Stanley offers world-class financial tools that we are proud to provide. Our financial dashboards encompass your total portfolio in one place, making it easy to manage your personal finances.
There is strength in working together. Let us help you with the little things, so you can achieve the big ones.
My Services, Explained:
I am committed to providing advice to help you achieve your financial goals.
My goal is to fully understand your finances so I can help customize a wealth plan that proactively aligns your finances and investments. My objective is to earn your confidence not only through the quality of solutions I provide to you, but also through the excellence with which they are delivered.
My goal is to fully understand your finances so I can help customize a wealth plan that proactively aligns your finances and investments. My objective is to earn your confidence not only through the quality of solutions I provide to you, but also through the excellence with which they are delivered.
Workplace Advisors - Equity Compensation
As the administrator of your company's equity
compensation plan, we pride ourselves on helping you manage your awards effectively. We are here to provide
easy access to your account, answer questions about your awards and handle your transactions accurately and
conveniently. We help build financial confidence through
insightful advice, thoughtful education end cutting-edge
technology across a suite of workplace solutions.
Learn More About Our Financial Wellness Programcompensation plan, we pride ourselves on helping you manage your awards effectively. We are here to provide
easy access to your account, answer questions about your awards and handle your transactions accurately and
conveniently. We help build financial confidence through
insightful advice, thoughtful education end cutting-edge
technology across a suite of workplace solutions.
Wealth Management
At Morgan Stanley Wealth Management, exclusive access
to vast resources, combined with our unique capabilities,
gives us the means to support your goals at every life
stage. We provide a range of solutions to meet you where
you are—no matter your starting point or preferred
investing approach. We understand that as family or
institutional wealth increases, the implementation of
investment strategies becomes increasingly complex end
portfolios require close monitoring to remain within
intended parameters.
Learn More About Our Wealth Management Servicesto vast resources, combined with our unique capabilities,
gives us the means to support your goals at every life
stage. We provide a range of solutions to meet you where
you are—no matter your starting point or preferred
investing approach. We understand that as family or
institutional wealth increases, the implementation of
investment strategies becomes increasingly complex end
portfolios require close monitoring to remain within
intended parameters.
Risk Analysis
We take a holistic approach to managing your finances by
identifying risk outliers and understanding the Impact of
market scenarios. We leverage Morgan Stanley's Portfolio
Risk Platform and the risk analytics integrated to
understand risk insights across thousands of risk
factors. We can instantly analyze an entire portfolio,
including assets held elsewhere, which helps identify and
mitigate your risk.
Learn More About the Portfolio Risk Platformidentifying risk outliers and understanding the Impact of
market scenarios. We leverage Morgan Stanley's Portfolio
Risk Platform and the risk analytics integrated to
understand risk insights across thousands of risk
factors. We can instantly analyze an entire portfolio,
including assets held elsewhere, which helps identify and
mitigate your risk.
Portfolio Management
We study investment trends and leverage the global
resources of the firm to help you develop a personalized
investment strategy. We'll develop a customized portfolio
to meet your requirements for growth, income and wealth
conservation within your risk constraints. Our experience,
training and investment philosophy offer guidance—both
in ongoing portfolio management decisions end
understanding investment risk while keeping your long-
term goals in view.
Financial Planning Brochure: Plan For Your Futureresources of the firm to help you develop a personalized
investment strategy. We'll develop a customized portfolio
to meet your requirements for growth, income and wealth
conservation within your risk constraints. Our experience,
training and investment philosophy offer guidance—both
in ongoing portfolio management decisions end
understanding investment risk while keeping your long-
term goals in view.
Retirement Planning
We are here to help you create a well-rounded planning
approach for retirement and create your estate planning
strategy designed to preserve, manage, and distribute
your assets during and after your lifetime, while helping
to minimize taxation. We are here to help manage your
employer's retirement plan (i.e. 401(k) plan), identify your
personal goals, track your progress toward achieving
them and work together to create a customized plan.
View Insights on Retirement Planningapproach for retirement and create your estate planning
strategy designed to preserve, manage, and distribute
your assets during and after your lifetime, while helping
to minimize taxation. We are here to help manage your
employer's retirement plan (i.e. 401(k) plan), identify your
personal goals, track your progress toward achieving
them and work together to create a customized plan.
Cash Management & Lending
As a client, you will have access to a suite of cash
management solutions as a competitive alternative to a
traditional bank. Through your Morgan Stanley Active
Assets Account or CashPIus Brokerage Account, you can
access a full suite of Cash Management Solutions to help
you manage your everyday finances. Additionally, we're
able to provide qualified clients with financing solutions
for almost any personal or business need using the
eligible securities in your brokerage account as collateral
for a flexible line of credit.
management solutions as a competitive alternative to a
traditional bank. Through your Morgan Stanley Active
Assets Account or CashPIus Brokerage Account, you can
access a full suite of Cash Management Solutions to help
you manage your everyday finances. Additionally, we're
able to provide qualified clients with financing solutions
for almost any personal or business need using the
eligible securities in your brokerage account as collateral
for a flexible line of credit.
RESOURCES FOR ULTRA-HIGH NET WORTH ESTATE PLANNING
Everyone with investable assets requires the fundamentals of wealth management – financial planning, an investment portfolio, and management of a personal balance sheet.
These are services we provide to every client, however; individuals and families with $10 million or more in assets (which we define as “ultra-high net worth”) have additional considerations, which are an important part of our service. See a handful of resources for these clients below.
These are services we provide to every client, however; individuals and families with $10 million or more in assets (which we define as “ultra-high net worth”) have additional considerations, which are an important part of our service. See a handful of resources for these clients below.
Our Estate Planning Toolkit
Learn about complex estate planning topics and how we can provide support during this process.
Read Here
Wealth Transfer Brochure
Learn more about Wealth Transfer Planning by viewing the Wealth Transfer Brochure below.
Learn More Here
Spousal Lifetime Access Trusts (SLAT) Illustration
View the presentation below to learn more about Spousal Lifetime Access Trusts and how they may be useful for specific situations.
Learn More HereGifting the Estate Tax Exemption While Maintaining Access
The gift and estate tax exemption amount is $12.92 million in 2023. Many clients wish to use the exemption but are concerned with maintaining control of the funds and maintaining access should they need it.
Learn More Here
Concentrated Position Toolkit
The concentrated position toolkit assists in curating and navigating an expansive suite of extensive resources to address concentrated positions.
Learn More Here
Equity Compensation Can Have Complex Implications
Your Compensation Package may Include an Equity Plan. Learn more about various equity compensation forms.
Learn More HereAwards and Recognitions
Barron's Top 250 Private Wealth Management Teams 2025, 2024
Source: Barron's.com (Awarded May 2025, 2024) Data compiled by Barron's based on based on 12-month time period concluding in December of year prior to the issuance of the award.
Learn MoreForbes Best-in-State Wealth Advisor 2025, 2024
Source: Forbes.com (awarded Apr 2025, 2024) data compiled by Shook Research LLC based on 12-month time period concluding in June of year prior to the issuance of the award.
Learn MoreForbes Top Women Wealth Advisors Best-in-State 2025, 2024
(Source: Forbes.com (Awarded Feb 2025, 2024) Data compiled by SHOOK Research LLC based on 12-month time period concluding in September of year prior to the issuance of the award.)
Learn More
Morgan Stanley MAKER - 2024
MAKERS is an initiative dedicated to celebrating the stories of leaders who are drivers and champions of women’s achievement.
Learn MoreForbes: America's Top Next-Gen Wealth Advisors 2023
2023 Forbes Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-In-State
Source: Forbes.com (Awarded Aug 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/22–3/31/23.
Learn MoreSource: Forbes.com (Awarded Aug 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/22–3/31/23.
Forbes: America's Top Next-Gen Best-In-State Wealth Advisors (NY) 2022, 2023
2023 Forbes Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-In-State
Source: Forbes.com (Awarded Aug 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/22–3/31/23.
Learn MoreSource: Forbes.com (Awarded Aug 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/22–3/31/23.
Location
55 East 52nd Street 10th
Fl
New York, NY 10055
US
Direct:
(212) 603-6274(212) 603-6274
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
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
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
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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
529 Plans: A Powerful Tool to Save for Education
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
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 Emily Sax Bender today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3The 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.
4Alternative 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3The 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.
4Alternative 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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)
