Senior Vice President, Financial Advisor, Alternative Investments Director, Portfolio Management Director
Phone:
(954) 713-8444(954) 713-8444
One Cornerstone Group at Morgan Stanley
Our Mission Statement
Experience, intellectual capital, and dedicated personal service to help you meet your life goals
Our Story and Services
Welcome to One Cornerstone Group at Morgan Stanley where we focus on Generational Wealth. Our team brings a diverse range of experience spanning from our 30's to our 60's, committed to helping you define and achieve your financial goals. Our mission is to provide comprehensive financial planning tailored to your unique needs, focusing on the preservation and growth of your wealth over time.
As part of Morgan Stanley, our clients benefit from access to some of the world's most seasoned and respected investment professionals. This coupled with a premiere trading and execution platform, allows us to offer a full spectrum of investment choices to suit your preferences and objectives.
Our team members have many areas of focus and achieved the following designations and recognitions:
- Forbes Best-In-State Wealth Management Teams 2024 & 2025
- Forbes Best-in-State Financial Advisor 2024 - John Foreman
- Alternative Investment Director
- Certified Financial Planner
- Certified Private Wealth Advisor
- Certified Exit Planning Advisor
- Certified Retirement Planning Counselor
- Qualified Plan Financial Consultant
One of our key strengths lies in our private alternative investment offerings, which are among the most robust in the country. These exclusive opportunities provide additional avenues for diversification and potential returns, further enhancing the strength and resilience of your investment portfolio. Our team's focus on these opportunities is highlighted by our very own John Foreman, Austin Cook, Michael Romagnolo and Benjamin Ross all being named Alternative Investment Directors of the firm.
Trust in our professional focus and collaborative approach to guide you towards financial success and generational prosperity. Let us work with you on the journey to secure your financial future.
Disclosure:
https://www.morganstanley.com/what-we-do/wealth-management/alternative-investments/ Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC for the period 6/30/22 - 6/30/23. Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded Jan 2024 & 2025) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/24. 2023-2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Services Include
- Retirement PlanningFootnote1
- Alternative InvestmentsFootnote2
- Trust ServicesFootnote3
- Wealth ManagementFootnote4
- Structured ProductsFootnote5
- Executive Financial ServicesFootnote6
- Endowments and FoundationsFootnote7
- Business Succession PlanningFootnote8
- Estate Planning StrategiesFootnote9
- Cash Management and Lending ProductsFootnote10
- Life InsuranceFootnote11
- Long-term Care InsuranceFootnote12
- Philanthropic ManagementFootnote13
- Professional Portfolio ManagementFootnote14
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
Our goals based approach focuses on where you are today and where you want to go. Working together, we develop the strategies to help get you there, while navigating the ups and downs of today's financial markets.
Step 1 - Introductory Call
We begin our relationship with a phone call to understand your current circumstances and concerns. We discuss our process and how we can add value to your situation. When then schedule our next meeting and provide details on how to prepare for that conversation.
Step 2 - Discovery
In this meeting, we ask a series of questions to dully understand your current situation and what you want to accomplish. We learn about your goals, investment experience, tolerance for risk, your values and how you make decisions. This enables us to create a comprehensive plan that incorporates all the essential components of your life.
Step 3 - Analysis
Utilizing industry-leading financial planning tools, we analyze all the information you provided. We attempt to quantify your goals and determine where you are financially in relation to where you want to be someday.
Step 4 - Plan Presentation & Refinement
Here, we present your initial plan, which includes our proposed asset allocation recommendations, as well as other strategies to reduce risk, minimize taxes, and achieve your estate planning goals. With your agreement, we make any adjustments before providing specific recommendations for your asset allocation strategy.
Step 5 - Implementation
In this step, we start putting your plan into action. We establish new accounts, initiate the account transfer process, walk you through your new statement, and introduce you to all the tools and resources now available to you. We also collaborate with you accountant and estate attorney. We believe in full transparency and will keep you involved each step of the way.
Step 6 - Monitoring & Ongoing Service
Committed to a first-class experience, we focus on developing longstanding relationships that provide special value to you and your family. We proactively call and meet with you to share updates on the current market environment, your investment portfolio and how you are progressing towards your goals. We are available to you at any time and provide full access to everyone on our team.
We leverage our unique position and our affiliates to source innovative strategies form among the most knowledgeable investment minds in the business. Employing rigorous due diligence to identify, evaluate and select each alternative investment product on our platform. Our managers are highly qualified to help our clients meet their objectives. Your choices will depend of your goals, objectives and risk tolerance.
Private Equity
Our private equity teams invest in segments of the market that, in our view, are generally underserved by other providers of private capital. We invest directly in private businesses and also allocate capital to compelling fund managers, secondary market opportunities and co-investments on behalf of our limited partners.
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Private Credit
Private Credit investing is an essential component of Morgan Stanley Investment Management’s alternative investments platform. We manage a well-defined group of strategies and seek to deliver attractive returns to our investors by forging successful partnerships with our portfolio companies.
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Real Estate
Morgan Stanley Real Estate Investing (MSREI) is the global private real estate investment management arm of Morgan Stanley. With ~200 professionals in 17 offices across 13 countries plus decades of experience investing internationally, MSREI is uniquely positioned to execute core and value-add / opportunistic strategies globally.
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Infrastructure
Morgan Stanley Investment Management has been investing in infrastructure assets on a global basis for over 10 years. We have since emerged as one of the industry’s leading direct infrastructure investment platforms with offices in New York, London, Melbourne, Hong Kong, Amsterdam and Mumbai.
Click to learn moreFamily Office Resources
Trust and Estate Planning and Business Succession
The key to determining which trust, tax and estate strategies to execute is to understand the interplay of personal and exogenous factors. Liquidity events such as an initial public offering or a merger or acquisition may provide income and estate planning opportunities. Liquidity events also magnify the need to put in place or update certain essential estate planning documents.
Family Governance and Education
Too often, members of rising generations spend decades in silence. Having a mechanism in place such as a family mission statement, a family constitution or an investment policy statement can offer critical parameters and guidelines to make decisions as a collective. We work with you to find your way to becoming your own generation, with your own voice.
Family Office Resources
We look forward to learning more about you and your family, and discussing how we can help you safeguard what you have earned and pursue your most important life goals. We deliver an exceptionally attentive level of service and dedicate ourselves to finding solutions to the challenges our clients face.
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Lifestyle Services
The enjoyment of wealth means the most powerful benefits of a family office is the potential to help family members simplify their personal lives. We provide bespoke solutions and access to knowledgeable, highly personal specialists to help meet your exceptional needs, from the everyday to the extraordinary, such as: travel and concierge services, health and security advisory, tangible asset management, personal enrichment, and financial administration.
Lifestyle Advisory Services: Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Lifestyle Advisory Services: Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Latest Research and Reports from Morgan Stanley
On the Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
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GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
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Thoughts on the Market Podcasst
With perspectives on the forces shaping the market, 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.
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Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
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350 East Las Olas Blvd
Suite 1200
Fort Lauderdale, FL 33301
US
Direct:
(954) 713-8444(954) 713-8444
Meet One Cornerstone Group
Phone:
(954) 713-8445(954) 713-8445
Executive Director, Wealth Management, Financial Advisor, Portfolio Management Director, Alternative Investments Director
Phone:
(954) 713-8410(954) 713-8410
Phone:
(954) 713-8446(954) 713-8446
Phone:
(954) 713-8447(954) 713-8447
Phone:
(954) 713-8448(954) 713-8448
Phone:
(954) 713-8449(954) 713-8449
Diana Hines
Senior Registered Client Service Associate
Phone:
(954) 713-8450(954) 713-8450
Hamasa Osmani
Registered Client Service Associate
Phone:
(954) 713-8452(954) 713-8452
Jessica DiGiovanni
Senior Registered Client Service Associate
Phone:
(954) 713-8438(954) 713-8438
Carolina Restrepo
Registered Client Service Associate
Phone:
(954) 713-8418(954) 713-8418
About John Foreman
John has built his career around coming alongside talented leaders and business executives to assist them in identifying and achieving their personal and professional goals. Focusing on advising the wealth management strategy of high net worth individuals and families, John takes into account his clients’ unique background and situation when offering consultation and recommendations. In 2019, John was identified by Forbes as one of the “Best-In-State Wealth Advisors” for Florida. Prior to moving his team to Morgan Stanley in 2020, he was a Senior Vice President at Merrill Lynch for 19 years, and at Bank of America in the Corporate Finance division, a position he held for 10 years. John is a native Floridian, born and raised in Fort Lauderdale. He and his wife, Susan, along with their three children actively serve through their church and multiple non-profits in the community.
"Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Feb 2019) Data compiled by SHOOK Research LLC based on time period from 6/30/17 - 6/30/18."
"Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Feb 2019) Data compiled by SHOOK Research LLC based on time period from 6/30/17 - 6/30/18."
Securities Agent: SD, MA, NC, WI, AL, LA, MN, AZ, CA, CT, PA, VA, UT, TX, TN, SC, RI, NY, NV, MO, MD, KS, FL, NJ, OR, IA, KY, NM, OH, CO, GA, MI; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 521641
NMLS#: 521641
About Austin Cook
Austin understands the nuances of large-scale corporate transactions and the complexities of managing the resulting wealth. Therefore, he focuses on advising executives who are navigating discussions related to business transitions, tax-efficient strategies, and generational wealth planning. Austin also manages portfolio risk and advises clients on executive compensation strategies, private equity opportunities, alternative investments, and concentrated stock holdings. Austin moved his team to Morgan Stanley in 2020 and had previously spent more than 12 years at Merrill Lynch and eight years at Franklin Templeton Investments working on investment strategies. He is on the board of multiple non-profits in the Fort Lauderdale area and loves traveling with his wife, Catherine, and their three children.
Morgan Stanley and its Financial Advisors do not provide tax or legal advice. Individuals should seek advice based on their particular circumstances from an independent tax or legal advisor.
Morgan Stanley and its Financial Advisors do not provide tax or legal advice. Individuals should seek advice based on their particular circumstances from an independent tax or legal advisor.
Securities Agent: MA, NJ, WI, SC, CO, CA, KY, MO, NY, TN, UT, IA, NC, NM, AZ, KS, MN, SD, PA, GA, FL, NV, CT, MI, OR, TX, VA, OH, MD, RI, AL, LA; General Securities Representative; Investment Advisor Representative
NMLS#: 521632
NMLS#: 521632
About Me
Michael has been a Financial Advisor for over 32 years and holds the following designations; Certified Retirement Counselor (CRC), Certified Exit Planning Advisor designation (CEPA), Portfolio Management Director, and Alternative Investments Director. In addition, he holds FINRA Series 7,63, and 65 registrations.
Michael has served hundreds of clients over his career, and believes that understanding his client's needs and desires is central to their success. To that end, he limits his practice to approximately 50 families, making him both available and focused on those he serves. Furthermore, Michael has managed his client’s financial futures through a variety of economic conditions over the past 32 yrs. This experience has seasoned him, affording the ability to offer clients a perspective that is as pragmatic as it is creative. Michael’s distinctive combination of experience and skilled focus sets him apart and is evidenced by the long standing relationships he maintains with his clients.
Michael's faith and family are his two greatest passions. When he is not spending time with his children and grandchildren, he enjoys sports, travel, the arts, and great food. Michael is very involved in his church and the community, including serving on the Board of Trustees of the Leukemia and Lymphoma Society, past Chair of Leadership Broward, Senior Executive Leadership program, and monthly spiritual mentoring at the Sonrise Mission of Fort Lauderdale.
Michael has served hundreds of clients over his career, and believes that understanding his client's needs and desires is central to their success. To that end, he limits his practice to approximately 50 families, making him both available and focused on those he serves. Furthermore, Michael has managed his client’s financial futures through a variety of economic conditions over the past 32 yrs. This experience has seasoned him, affording the ability to offer clients a perspective that is as pragmatic as it is creative. Michael’s distinctive combination of experience and skilled focus sets him apart and is evidenced by the long standing relationships he maintains with his clients.
Michael's faith and family are his two greatest passions. When he is not spending time with his children and grandchildren, he enjoys sports, travel, the arts, and great food. Michael is very involved in his church and the community, including serving on the Board of Trustees of the Leukemia and Lymphoma Society, past Chair of Leadership Broward, Senior Executive Leadership program, and monthly spiritual mentoring at the Sonrise Mission of Fort Lauderdale.
Securities Agent: KS, AR, TX, MI, CT, PA, MD, NJ, CO, TN, MA, VA, RI, OR, OH, NM, KY, WI, NH, MO, MN, ME, AL, NY, IA, UT, SC, NV, GA, FL, SD, NC, LA, CA, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 1490589
NMLS#: 1490589
About Benjamin Ross
Ben brings order and clarity to the process of wealth analysis, working with clients to help develop their financial and retirement plans. Recognizing the personal and professional impact of diligent planning, Ben manages long-term relationships to help clients establish realistic and actionable strategies for managing their wealth. A graduate of the University of Miami, he joined Morgan Stanley in 2020 and was an advisor with Merrill Lynch since 2014. Ben and his wife, Jenna, live in Fort Lauderdale, where he enjoys volunteering to help local professionals plan how to leverage their talents and resources to enable purposeful and generous living.
Securities Agent: KY, MI, MN, NM, SC, CO, OH, CT, IA, AL, LA, NC, VA, WI, MA, MD, KS, NY, UT, SD, RI, MO, TX, OR, AZ, TN, PA, GA, AR, FL, NJ, NV, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1307321
NMLS#: 1307321
About David Foreman
David helps his clients use their financial strategy as a tool for growing, managing, and starting companies. Drawing from the sophisticated tools of Morgan Stanley and the extensive experience of his team, David provides clients access to the resources they deserve when making investment decisions. Taking time to listen to each client’s needs and assisting in formulating specific objectives, his clients benefit from personalized advice and a time-saving approach. Beyond supporting clients, David also leads the development of the group’s future business relationships. He and his wife, Katie, and their dog, Scout, are diehard Miami Dolphins fans. Living in Fort Lauderdale, David also enjoys volunteering with the Cystic Fibrosis Foundation, golfing, and spending time with family and friends.
Securities Agent: AZ, IA, OH, MN, MA, RI, OR, NJ, NC, CO, ME, CA, VA, NV, MI, UT, KY, SD, MO, LA, CT, AL, NM, KS, FL, WI, TN, SC, MD, AR, TX, PA, GA, NY, HI; General Securities Representative; Investment Advisor Representative
NMLS#: 1633127
NMLS#: 1633127
About Maribeth Bates
With years of experience in financial services, I've learned that time spent educating clients is one of the most valuable investments I can make. My passion for people and my appreciation for the transformative power of wealth drives my work - not for the material possessions it affords, but for the freedom it creates to live meaningfully and give generously.
At the Foreman Cook Group, I focus on demystifying the complexities of investing, empowering clients to pursue the life they envision with confidence and clarity. My goal is to alleviate financial anxiety, so you can focus on what truly matters most.
As a family, we are deeply engaged in the South Florida community where I live with my husband, Jason, and daughter. Together we enjoy an active, outdoor lifestyle making the most of the beautiful South Florida climate.
At the Foreman Cook Group, I focus on demystifying the complexities of investing, empowering clients to pursue the life they envision with confidence and clarity. My goal is to alleviate financial anxiety, so you can focus on what truly matters most.
As a family, we are deeply engaged in the South Florida community where I live with my husband, Jason, and daughter. Together we enjoy an active, outdoor lifestyle making the most of the beautiful South Florida climate.
Securities Agent: MN, AL, MA, SC, RI, KY, CA, OR, NV, IL, CT, AZ, AR, WI, VA, PA, NJ, NC, MI, MD, GA, NM, MO, LA, OH, NY, ME, IN, UT, SD, KS, IA, TN, FL, TX, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 1907994
NMLS#: 1907994
About Alina Ali
Alina focuses on providing high net worth executives, entrepreneurs, individuals, families, and foundations with meaningful financial solutions using a holistic approach. She works in coordinated effort with her team in creating and implementing wealth planning strategies while leveraging Morgan Stanley’s intellectual capital and investment capabilities. By carefully listening to the needs of her clients, Alina develops financial plans that align values with investments to help meet their unique goals while making a positive impact.
As a champion of community outreach and women’s leadership initiatives, Alina serves as Ambassador of Strikeforce 421 Women’s Giving Circle and Treasurer of the Symphony Society, an affiliate of Symphony of the Americas. Alina is a member of the Circle of Wise Women for Junior Achievement of South Florida, Women United for United Way of Broward County and a graduate of Women Leading Broward and Lifework Leadership of South Florida. She previously served as Chairwoman of the Board for SSL Foundation, whose mission is to empower women and children to be resilient leaders.
When she is not participating in community events, Alina spends her time enjoying cultural arts and the great outdoors with her husband Ilyas, another avid supporter of women’s empowerment.
As a champion of community outreach and women’s leadership initiatives, Alina serves as Ambassador of Strikeforce 421 Women’s Giving Circle and Treasurer of the Symphony Society, an affiliate of Symphony of the Americas. Alina is a member of the Circle of Wise Women for Junior Achievement of South Florida, Women United for United Way of Broward County and a graduate of Women Leading Broward and Lifework Leadership of South Florida. She previously served as Chairwoman of the Board for SSL Foundation, whose mission is to empower women and children to be resilient leaders.
When she is not participating in community events, Alina spends her time enjoying cultural arts and the great outdoors with her husband Ilyas, another avid supporter of women’s empowerment.
Securities Agent: AL, CT, AZ, NY, IL, IA, FL, OR, CA, DC, NC, PA, TX, UT, WI, CO, LA, ME, MO, GA, SC, MN, AR, KS, SD, RI, VA, TN, OH, NV, NM, MA, MD, NJ, MI, KY; General Securities Representative; Investment Advisor Representative
NMLS#: 1890847
NMLS#: 1890847
About Diana Hines
Diana loves helping clients feel comfortable and respected when working with The Foreman-Cook Group. She works directly with clients, cheerfully addressing a wide range of administrative requests and offering knowledgeable support on their behalf. Prior to joining Morgan Stanley, Diana has over 25 years’ experience in financial services. Passionate about traveling, her son, quilting and her pets, she lives with her husband, Jim, in Fort Lauderdale.
About Hamasa Osmani
Hamasa has been serving clients in the financial industry for over 3 years before joining the Foreman-Cook Group. She goes above and beyond to ensure clients are quickly taken care of and satisfied with their experience. Raised in Jacksonville, she enjoys all that Fort Lauderdale has to offer, including the beaches, rooftop restaurants, travel and playing poker.
Contact John Foreman
Contact Austin Cook
Contact Michael Romagnolo
Contact Benjamin Ross
Contact David Foreman
Contact Maribeth Bates
Contact Alina Ali
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
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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
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Ready to start a conversation? Contact One Cornerstone Group today.
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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.
2Alternative 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.
3Morgan 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.
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5Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
6Morgan 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.
7Morgan 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.
8Morgan 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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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
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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, charitable giving, philanthropic planning and other legal matters.
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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.
2Alternative 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.
3Morgan 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.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
6Morgan 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.
7Morgan 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.
8Morgan 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
10Morgan 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
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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, charitable giving, philanthropic planning and other legal matters.
14Morgan 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.
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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:
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
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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)
