Eric Schlipf, CFA, CFP®
Executive Director, Financial Advisor, Senior Portfolio Management Director
Eric Schlipf, CFP®, CFA®
Executive Director, Wealth Management,
Financial Advisor,
Senior Portfolio Management Director
Direct:
(309) 671-2893(309) 671-2893
Toll-Free:
(800) 527-3579(800) 527-3579
My Mission Statement
Working with clients to provide objective, high quality advice and services to simplify their life and help provide an increased comfort level.
About Us
For us, wealth planning means more than providing our clients with investment advice. It means helping them maintain the financial independence they've worked their whole lives to achieve. It means striving to ensure they have the means to pursue what's most important to them. And it means understanding them as people with unique goals, values and circumstances that determine the strategies we develop on their behalf.
Our consultative process begins with an in-depth discussion of your current finances and future objectives. We'll address issues you might have overlooked that can have a significant impact on your ability to achieve your goals and retire as planned. Finally, we'll determine how we can help you adjust your investment strategy as necessary to accommodate changing conditions and meet any unforeseen expenses and income demands that may arise during retirement.
Our consultative process begins with an in-depth discussion of your current finances and future objectives. We'll address issues you might have overlooked that can have a significant impact on your ability to achieve your goals and retire as planned. Finally, we'll determine how we can help you adjust your investment strategy as necessary to accommodate changing conditions and meet any unforeseen expenses and income demands that may arise during retirement.
Services Include
- Financial PlanningFootnote1
- Estate Planning StrategiesFootnote2
- Retirement PlanningFootnote3
- Professional Portfolio ManagementFootnote4
- Wealth ManagementFootnote5
- Asset Management
- Corporate Retirement PlansFootnote6
- Business Succession PlanningFootnote7
- Endowments and FoundationsFootnote8
- Wealth Consulting
- Trust Services*
- Alternative InvestmentsFootnote9
Securities Agent: FL, AK, MN, AL, TN, PA, NH, MT, AR, WY, VT, VA, IL, WA, MS, IA, DC, TX, SC, NV, MI, DE, CT, CA, WI, KS, CO, GA, RI, OR, OH, ME, IN, UT, OK, NJ, NC, MO, AZ, KY, HI, SD, NY, NM, LA, MD, MA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1268416
NMLS#: 1268416
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Team
The Cornerstone Capital Group has an extensive team of seasoned professionals with a complementary set of skills, knowledge and experience. Together, we provide highly customized advice and comprehensive wealth management services to individuals and families located throughout the country.
Our planning process helps you prepare for all of life's milestones - your children's education, your business succession, your retirement, your estate and your ideal future. Working cooperatively with your accountants, attorneys and other trusted professionals, we help you build a comprehensive plan that encompasses all aspects of your life.
Our investment process starts with having a strong understanding of economics and we are well versed in the equity and fixed income markets. Carefully crafting each portfolio, we emphasize diversification, tax minization strategies, risk mitigation, capital preservation and long-term growth. This results in making appropriate asset allocation decisions for each client. Our Portfolio Managers then use technical and analytical experience to conduct the research and due diligence for every specific recommendation we make.
Our goal is to become trusted stewards of your wealth, here to help you make informed decisions on every financial challenge you face. We are committed to helping you preserve and build your wealth and will work to strengthen your family's financial security for generations to come.
WORKING WITH YOU
We are confident you will not find a team of professionals more committed to helping you reach your objectives. To that end, we believe in the following principles which serve as the foundation of our practice:
Client-Advisor Fit
Our Relationship is the right fit. A successful relationship begins with the right fit between client and advisor. We limit the number of clients we serve and are proud to work with families who seek the type of long-term, fully-engaged relationship we offer. The bond we form is fundamental to our mission.
Consistent, Long-Term Service
A differentiated level of service. We value long-term relationships and are available to address your needs beyond the traditional work week. We're also honored that our client relationships span decades and generations; our clients not only trust us to help build their futures, but the futures of their children and grandchildren.
Lifestyle Financial Planning
Planning for your lifestyle. You've dedicated your life to creating wealth for yourself and your family; now is the time to enjoy the benefits of your labor. Using your goals as our guide, we create a financial strategy aimed at helping you create and maintain the lifestyle you desire.
Knowledge & Experience
Experience and education. Our team leverages years of experience and believes in continued education as a means to provide the highest quality of advice and guidance. With our combined experience in the banking, insurance and financial services industry, as well as our advanced certifications, we provide up-to-date ideas and solutions to our clients.
Investor Resources
Just below are resources that contain the latest insight and information that can help you become more informed of the financial landscape.
GIC On The Markets
Read some insightful commentary on the markets while getting caught up on the going's on in the financial landscape.
To Read, Click Here
The GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
To Read, Click Here
Thoughts on the Market Podcast
Join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
To Listen, Click Here
Compound Interest Calculator
Do you want to determine how much your money can grow using the power of compound interest? Click the link below.
To Learn More, Click Here
Lock Your Credit
Contact the Credit Bureaus - Experian, TransUnion, and Equifax - and establish a "Credit Lock" so only you have access to your own good credit. Also available, customized fraud alerts and ability to opt out of annoying credit card offers.
To Contact The Credit Bureau's, Click Here
How to Create a Budget
While following a budget might seem limiting, when used as a guide, it can be incredibly empowering. Having a good understanding of your monthly saving and spending habits helps you make smart financial decisions that can position you for success in the long run.
To Learn More, Click HereLocation
211 Fulton St
Ste 500A
Peoria, IL 61602
US
Direct:
(309) 671-2893(309) 671-2893
Toll-Free:
(800) 527-3579(800) 527-3579
Fax:
(309) 671-3710(309) 671-3710
Meet My Team
Carolyn Kroupa Weaver, CFP®
Managing Director, Financial Advisor, Portfolio Management Director
Zack Weaver, CFA, CFP®
Financial Advisor, CERTIFIED FINANCIAL PLANNER™
Sarah Freeman
Business Development Associate
Phone:
(309) 671-2828(309) 671-2828
Margaret Pretorius
Assistant Vice President, Wealth Management Associate, Financial Planning Specialist
Phone:
(309) 671-2806(309) 671-2806
About Eric Schlipf
Eric Schlipf is a CERTIFIED FINANCIAL PLANNER ™ and a Chartered Financial Analyst (CFA®)charterholder based out of Peoria, Illinois. He graduated with high honors from the University of Illinois, Champaign-Urbana with a Bachelor of Science in Finance, as well as with honors from the University of Chicago, where he earned his MBA. He has spent nearly two decades in the investment industry, first starting out as a member of a 13-person investment team that managed over $50 billion for State Farm Insurance. He then worked as an Equity Research Analyst at a regional investment banking firm where he advised a multitude of institutional clients from all over the world. In 2007, he began working at Morgan Stanley, where he has successfully reached his professional goal of working directly with individual clients.
Eric currently resides in Central Illinois with his wife, Chris, and their children, Blake and Layne. In his free time, he enjoys coaching baseball, golfing, and spending time on his family’s farm.
Eric currently resides in Central Illinois with his wife, Chris, and their children, Blake and Layne. In his free time, he enjoys coaching baseball, golfing, and spending time on his family’s farm.
About Carolyn Kroupa Weaver
Carolyn Weaver has spent the last 14 years as a financial advisor at Morgan Stanley, working to create a roadmap for her clients’ futures by helping them manage complex financial affairs amidst ever-changing circumstances. In addition to a full spectrum of financial licenses, she is a CERTIFIED FINANCIAL PLANNER™ (CFP®) professional, and a member of the Firm's Master’s Club.
Carolyn currently lives in Evergreen, Colorado, but is a native of Peoria, Illinois, where she was extremely active in the local community. An avid runner, she participated in a multitude of intercity and interstate runs against cancer with St. Jude Hospital. She has served on the Board of Directors for the Heart of Illinois Big Brothers Big Sisters, and volunteers with the Peoria Public School System, the Junior Achievement of Central Illinois, the Salvation Army, and the Heart of Illinois United Way's Tocqueville Society.
Carolyn currently lives in Evergreen, Colorado, but is a native of Peoria, Illinois, where she was extremely active in the local community. An avid runner, she participated in a multitude of intercity and interstate runs against cancer with St. Jude Hospital. She has served on the Board of Directors for the Heart of Illinois Big Brothers Big Sisters, and volunteers with the Peoria Public School System, the Junior Achievement of Central Illinois, the Salvation Army, and the Heart of Illinois United Way's Tocqueville Society.
Securities Agent: HI, IL, IN, KS, KY, LA, MD, ME, MI, MN, MO, MS, MT, NC, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, VA, WA, WI, IA, MA, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA; General Securities Representative; Investment Advisor Representative; Managed Futures
About Zack Weaver
Zack Weaver is a CERTIFIED FINANCIAL PLANNER ™ practitioner who was first introduced to investing at the age of twelve with money that he had saved up from mowing lawns, which served as the springboard for his professional career, where he has focused on designed and creating customized investment strategies for his clients' portfolios for the past 19 years. A graduate of the University of Illinois, he began his career as an equity investment analyst for State Farm Insurance, where he managed over $50 billion in assets. His areas of focus included the analysis of financial services companies and researching tactical investment opportunities. In 2003, he relocated to his hometown of Peoria, Illinois, where he worked at A.G. Edwards and Sons until coming to Morgan Stanley in 2007.
Zack became a Chartered Financial Analyst (CFA®) in 2004, a widely regarded designation in the global financial industry, certifying a broad range of current investment knowledge, analytical skill, and ethical and professional standards. He currently resides in Evergreen, Colorado, with his wonderful wife, Carolyn; their son, Hudson; and their twin daughters, Campbell and Emerson.
Zack became a Chartered Financial Analyst (CFA®) in 2004, a widely regarded designation in the global financial industry, certifying a broad range of current investment knowledge, analytical skill, and ethical and professional standards. He currently resides in Evergreen, Colorado, with his wonderful wife, Carolyn; their son, Hudson; and their twin daughters, Campbell and Emerson.
Securities Agent: NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, VA, VT, WA, WI, WY, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
About Sarah Freeman
Sarah Freeman joined the Cornerstone Capital Group in 2021 having been with Morgan Stanley since 2004. Sarah has served as a Client Service Associate, Operations Associate, and a Consulting Group Analyst. She excels by focusing on client experience and striving to build relationships with each and every client she serves. Her extensive industry experience allows her to give all clients service that is tailored to their individual needs. Sarah also holds both her Series 7 and Series 66 licenses.
Sarah currently resides in Canton, Illinois with her husband Brent and two children, Jordan and Elisabeth, as well as her beloved dog Dexter. She is an active member of her local community, where she is very involved in her children’s sports teams. She also gives back to the Peoria community through the many opportunities Morgan Stanley affords their employees, such as Habitat for Humanity and at the various local food banks. Sarah is an avid reader, a sports enthusiast, and a past participant in the St. Jude Memphis to Peoria Run.
Sarah currently resides in Canton, Illinois with her husband Brent and two children, Jordan and Elisabeth, as well as her beloved dog Dexter. She is an active member of her local community, where she is very involved in her children’s sports teams. She also gives back to the Peoria community through the many opportunities Morgan Stanley affords their employees, such as Habitat for Humanity and at the various local food banks. Sarah is an avid reader, a sports enthusiast, and a past participant in the St. Jude Memphis to Peoria Run.
About Margaret Pretorius
Meggie Pretorius has worked in the financial services industry since 2012. She has spent the entire time in client service, primarily with Morgan Stanley. Meggie believes that she succeeds because she treats every client as an individual with their own specialized needs. She also prides herself on staying educated on regulatory changes as well as any new firm initiatives meant to enhance the experience of the Morgan Stanley client.
Meggie has two bachelor’s degrees, one from the University of Illinois at Urbana-Champaign (English) and the other from OSF St. Francis Medical Center College of Nursing (Nursing). She lives in Peoria with her husband, Blake, and their three children, Jude, Levi, and Penelope. She is a proud member of St. Philomena Parish and volunteers in the community through her parish and workplace.
Meggie has two bachelor’s degrees, one from the University of Illinois at Urbana-Champaign (English) and the other from OSF St. Francis Medical Center College of Nursing (Nursing). She lives in Peoria with her husband, Blake, and their three children, Jude, Levi, and Penelope. She is a proud member of St. Philomena Parish and volunteers in the community through her parish and workplace.
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
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
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 Eric Schlipf 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 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.
2Morgan 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.
3When 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.
4Morgan 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.
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
7Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
9Alternative 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.
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 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.
2Morgan 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.
3When 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.
4Morgan 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.
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
7Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
9Alternative 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.
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)
