Phone:
(215) 963-3841(215) 963-3841
Esposto Legacy Group at Morgan Stanley
Direct:
(215) 963-3841(215) 963-3841
Our Mission Statement
Empowering clients to achieve their complex financial goals through personalized guidance and multi-generational expertise
Our Story and Services
The Esposto Legacy Group is a family father-son team that is dedicated to maintaining and growing generations of wealth for other families. Our multi-generation practice brings a unique blend of seasoned wisdom and innovative thinking to every client interaction.
At the heart of our approach lies a dedication to personalized service, whether it be retirement planning, estate planning, or investment solutions. We are committed to guiding individuals, families, and institutions toward enduring financial security and prosperity.
Esposto Legacy Group Recognition:
- Forbes Best in State Wealth Management Team: 2025
- Disclosures: Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2025) Data compiled by SHOOK Research LLC based on 12-month period concluding in March of the year the award was issued.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Financial Wellness
Financial wellness is a touchstone of the Esposto Legacy Group's practice at Morgan Stanley. As a team, we empower our clients through every stage of their careers by building a foundation of advice, education, and financial planning. In line with our goal of promoting fiancial wellness, we will keep this webpage updated with resources that can help you achieve your financial goals.
Our utimate goal is to make finances a source of wellness for you and your family.
Estate Planning Essentials
Creating an estate plan can help protect your wealth and prevent hardship for your heirs.
What’s Your Relationship With Wealth? For many, It’s Complicated.
Before engaging in family wealth-planning conversations, you may want to examine your own feelings and attitudes about wealth. Here are some questions you can ask yourself.
Thinking About Your Legacy? Why You May Need a Trust
You can't take it with you, but through a trust, you can define how you want your life's work and wealth to continue to benefit the people and causes you love and care for.
Planning Today to Help You Thrive Tomorrow
Having a wealth plan can help you on your way to achieving your goals.
Digital Resources
At the Esposto Legacy Group, we recognize that digital resources are an increasingly important part of financial planning and financial wellness. In order to provide the best service possible, we will keep this page updated with resources to help you reach your financial goals. Please contact one of our financial advisers if you have any questions about these services or if you would like to learn more about Morgan Stanley's digital resources.
Morgan Stanley Online
Morgan Stanley Online's digital experiences make it easy to manage your money at anytime, from your desktop, tablet or phone. Clients with a fiancial adviser can collaborate with the Morgan Stanley team while managing money independently. Sign up for Morgan Stanley Online to access your finances, invest, or access your tax forms with the click of a button!
Total Wealth View
Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth and retirement planning.
Morgan Stanley Reserved
Morgan Stanley's Reserved Living & Giving is a tiered complimentary loyalty program that rewards clients with over one million dollars in assets and liabilities invested at the firm. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Thoughts on the Market Podcast
Stay up to date with Morgan Stanley's latest market research by listening to the Thoughts on the Market Podcast. Join Morgan Stanley's Chief Investment Officer and Chief US Equity Strategist as he and his colleagues discuss their viewpoints regarding the latest trends in the financial marketplace.
GIC Weekly
The GIC Weekly is Morgan Stanley's publication summarizing the Global Investment Committee's market outlook.
Morgan Stanley Ideas
Read our perspective on what's shaping the world today and tomorrow. We cover topics ranging from health care, sustainability, macroeconomics, and technology.
Details of CFP Designation
Individuals certified by the CFP Board have taken the extra step to demonstrate commitment and professionalism by voluntarily submitting to the rigorous CFP certification process that includes demanding education, examination, experience, and ethical requirements. These four cornerstones set the foundation for the CFP professional's ability in helping clients achieve their financial goals. The Esposto Legacy Group's diverse skillsets can help clients navigate the complicated financial factors in their life. See below for more information about the CFP designation and how it can help.
Education
The CFP professional must develop theoretical and practical financial planning knowledge by completing 2 to 3 years of comprehensive coursework at an institution of higher learning approved by the CFP Board. The education portion of this designation is integrated into the process of recertification.
Examination
The CFP professional must pass the 7 hour comprehensive Certification Exam, which tests the adviser's ability to apply financial planning knowledge to real-life situations. The exam covers the financial planning, tax planning, employee benefits, retirement planning, estate planning, investment management, and insurance.
Experience
All CFP professionals are required to complete several years of experience related to financial planning services prior to earning the right to use the CFP trademarks.
Ethics
Any CFP professional is obligated to uphold the principals of integrity, objectivity, competence, fairness, confidentiality, professionalism, and diligence as outlined in the CFP Board's Code of Ethics. The Rules on Conduct require the CFP professional to always put the client's interest first.
Financial Planning
Here at the Esposto Legacy Group, we see a financial plan as the bedrock to your financial future. You can learn more about our financial planning process on this webpage or by scheduling a meeting with us.
Step 1: Getting to Know Each Other
At the Esposto Legacy Group, our financial planning process begins with getting to know you and the people in your financial life.
Goals-Based Planning
We aim to understand your goals so we can create a financial plan for you to achieve them. Learn more about our Goals-Based Planning system at this link.
Step 2: Gather & Analyze Current Financial Situation
We will get a fuller picture of your financial life by reviewing the financial documents that you provide us. This may include a review of your balance sheets, current statements, or estate plans.
Intelligent Withdrawals
Intelligent Withdrawal gives us the ability to look across multiple accounts and products to identify the right combination of securities and tax lots to sell so you can help meet spending needs while making the most out of your hard-earned money.
Step 3: Present Your Custom Financial Plan
Once a preliminary version of your plan has been created, we will meet to discuss investment recommendations, fees, and fiduciary responsibilities.
Morgan Stanley Impact Quotient™
The Morgan Stanley Impact Quotient™ application gives Wealth Management clients new customizable insights into the social and environmental impact of their investment portfolios.
Step 4: Implement Plan
Our team will work to allocate your assets according to your plan.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley mobile app. Access your finances and invest in an instant with the help of this useful resource.
Step 5: Comprehensive Review & Ongoing Monitoring
Throughout your time as a client, we will meet regularly to reevaluate your plan and discuss your portfolio. We aim to remain in consistent communication to ensure full transparency and we always encourage our clients to reach out with financial questions.
Location
1650 Market St 42nd
Fl
Philadelphia, PA 19103
US
Direct:
(215) 963-3841(215) 963-3841
Meet Esposto Legacy Group
Phone:
(215) 963-3837(215) 963-3837
Verene Hovsepian Torres
Portfolio Associate
Phone:
(215) 963-3802(215) 963-3802
About Frank Esposto
Frank is the founder of the Esposto Legacy Group, a Managing Director, 6-year Chairman Club member, Certified Financial Planner, and Estate Planning Specialist at Morgan Stanley. Frank has been blessed to have the opportunity to manage client’s wealth for over 40 years, the last 26 of which were at Morgan Stanley. Since the beginning, he has taken a holistic approach to assist clients and their families with articulating their vision of wealth.
After teaming with his late wife Meg in 1998, they proceeded to serve multiple generations of high-net-worth clients and form what is today known as the Esposto Legacy Group. His son, Francesco, joined the team in 2023 and they continue to provide world class financial solutions to a variety of families and institutions.
Frank resides in center city Philadelphia, where he enjoys watching Philadelphia sports with his family. He loves hitting the gym, collecting wine, and participating in car racing club events with his two sons.
After teaming with his late wife Meg in 1998, they proceeded to serve multiple generations of high-net-worth clients and form what is today known as the Esposto Legacy Group. His son, Francesco, joined the team in 2023 and they continue to provide world class financial solutions to a variety of families and institutions.
Frank resides in center city Philadelphia, where he enjoys watching Philadelphia sports with his family. He loves hitting the gym, collecting wine, and participating in car racing club events with his two sons.
Securities Agent: CO, AZ, PA, IL, TX, NJ, MA, CT, CA, IN, NY, KS, OH, SC, MD, GA, FL, DE, WA, VA, OR, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 1278908
NMLS#: 1278908
About Francesco Esposto
Francesco joined Morgan Stanley as a financial advisor in 2023 where he teamed up with his father, Frank Esposto. With a 40-year legacy of treating clients as family, Francesco's parents were an advisor team, who navigated through turbulent markets, planned retirements, and fostered generational wealth. Witnessing their collaborative approach, Francesco was inspired to follow in their footsteps. His aspiration is to emulate the dedication of his late mother, always being a reliable presence for clients in their financial journeys. Francesco brings a wide range of services to the group, such as financial planning, investment analysis, and assisting in the legacy planning process.
He received a Finance degree from Fordham University, and previously worked as a Financial Planning and Analysis Analyst for Five Below, as well as a start-up consultant at B2 Partners. These previous roles both allowed Francesco to have unique experiences related to understanding company fundamentals as well as working with small business owners.
In his personal life, Francesco and his wife love exploring Philadelphia's culinary scene and attending various Philadelphia sporting events. Francesco also loves engaging in he and his father’s shared passion for cars and watches. They are both members of racing clubs as well as the Philadelphia chapter of a wristwatch association.
He received a Finance degree from Fordham University, and previously worked as a Financial Planning and Analysis Analyst for Five Below, as well as a start-up consultant at B2 Partners. These previous roles both allowed Francesco to have unique experiences related to understanding company fundamentals as well as working with small business owners.
In his personal life, Francesco and his wife love exploring Philadelphia's culinary scene and attending various Philadelphia sporting events. Francesco also loves engaging in he and his father’s shared passion for cars and watches. They are both members of racing clubs as well as the Philadelphia chapter of a wristwatch association.
Securities Agent: NV, DE, CA, WA, TX, IN, IL, SC, NY, PA, OR, NJ, FL, CT, AZ, VA, MA, KS, CO, OH, MD, GA; General Securities Representative; Investment Advisor Representative
About Verene Hovsepian Torres
Verene has spent her entire financial career spanning over 3 decades with Morgan Stanley and its predecessors. She has held and succeeded in a variety of roles and positions during this time. As a Vice President, she supported several Branch Managers in building and growing one of Morgan Stanley's largest complexes, including recruiting and hiring, and continues to be the syndicate manager for said complex. As a Portfolio Associate, Verene plays a vital role within the Esposto Legacy Group, assisting clients with complex money movement issues such as international wires, Real Estate Settlements and Trust and Estate issues. Of equal importance is her personal relationships with clients which allows her to provide a level of service that exceeds even their expectations. She anticipates their needs.
During her time at Morgan Stanley, Verene has earned her Series 7 and 63 and has also completed the Portfolio Associate Program.
As a fluent speaking Armenian, Verene loves time with her family and new grandson, enjoys a healthy lifestyle, working out and cooking for family and friends. Her love of her family and desire to help grow the Esposto Legacy Group is contagious.
During her time at Morgan Stanley, Verene has earned her Series 7 and 63 and has also completed the Portfolio Associate Program.
As a fluent speaking Armenian, Verene loves time with her family and new grandson, enjoys a healthy lifestyle, working out and cooking for family and friends. Her love of her family and desire to help grow the Esposto Legacy Group is contagious.
Contact Frank Esposto
Contact Francesco Esposto
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
Adrian Schwartz, CFP®
Financial Planning Director, Vice President
About Adrian Schwartz
Adrian Schwartz is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices the Greater Philadelphia and Coastal New Jersey markets. He is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Adrian began his career in financial services in 2011 and joined Morgan Stanley in 2021. Prior to his current position, Adrian worked at TD Ameritrade in New York where he worked with some of the firm’s wealthiest clients in the region and managed two branches.
Adrian graduated from Rutgers Business School with an MBA and holds his CERTIFIED FINANCIAL PLANNER designation. Adrian lives in Manalapan, NJ with his wife and two young children. Outside of work, Adrian spends most of his time with his family. When the opportunity presents itself, he also enjoys playing guitar and golfing.
Adrian began his career in financial services in 2011 and joined Morgan Stanley in 2021. Prior to his current position, Adrian worked at TD Ameritrade in New York where he worked with some of the firm’s wealthiest clients in the region and managed two branches.
Adrian graduated from Rutgers Business School with an MBA and holds his CERTIFIED FINANCIAL PLANNER designation. Adrian lives in Manalapan, NJ with his wife and two young children. Outside of work, Adrian spends most of his time with his family. When the opportunity presents itself, he also enjoys playing guitar and golfing.
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
Ready to start a conversation? Contact Esposto Legacy Group 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.
1When 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.
2Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
4Morgan Stanley 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.
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
6Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
8Morgan 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.
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
1When 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.
2Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
4Morgan Stanley 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.
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
6Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
8Morgan 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.
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)
