A. Charles Forte, CPM®
Senior Vice President, Financial Advisor, Senior Portfolio Management Director, Certified Portfolio Manager, Family Wealth Director
Phone:
(505) 988-7705(505) 988-7705
Forte/Graviet Wealth Management Group at Morgan Stanley
Direct:
(505) 988-7750(505) 988-7750
Toll-Free:
(800) 757-3830(800) 757-3830
Our Mission Statement
We provide customized solutions to help you meet your financial goals.
Forte/Graviet Wealth Management Group
Our goal is simple: to serve as your primary advisor and grow with you through virtually all of life’s stages. The Forte/Graviet Wealth Management Group was formed in 2002. We are a Santa Fe based multi-generational wealth management team serving families, businesses and non-profits throughout the country.
Our team of professionals provides a comprehensive approach encompassing investments, financial planning, estate and legacy planning strategies to help meet your specific needs. We serve our clients with integrity. With a Family Wealth Director on our team, we have dedicated access to an exceptional group of wealth management professionals across our firm in various areas helping provide additional value to our clients. This distinction, along with the other certifications acquired by team members, demonstrates our extensive knowledge in comprehensive wealth management strategies and dedication to lifelong learning.
Our team of professionals provides a comprehensive approach encompassing investments, financial planning, estate and legacy planning strategies to help meet your specific needs. We serve our clients with integrity. With a Family Wealth Director on our team, we have dedicated access to an exceptional group of wealth management professionals across our firm in various areas helping provide additional value to our clients. This distinction, along with the other certifications acquired by team members, demonstrates our extensive knowledge in comprehensive wealth management strategies and dedication to lifelong learning.
Services Include
- Professional Portfolio ManagementFootnote1
- Estate Planning StrategiesFootnote2
- Endowments and FoundationsFootnote3
- Financial PlanningFootnote4
- Philanthropic Services
- Business Succession PlanningFootnote5
- Cash ManagementFootnote6
- Lending Products
- LGBT+ Planning ServicesFootnote7
- Planning for Education FundingFootnote8
- Planning for Individuals with Special Needs
- Life InsuranceFootnote9
- 529 PlansFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Community Involvement
Giving back to the community is important to the Forte/Graviet Group. Please see below for the various non-profit boards we currently serve:
Aspen Santa Fe Ballet
A. Charles Forte - Secretary
Aspen Santa Fe Ballet is a multi-faceted arts organization that nurtures and manifests the love of dance across a spectrum of programs for the cultural enrichment of Aspen, Colorado, and Santa Fe, New Mexico—and beyond.
Click Here to Learn MoreAspen Santa Fe Ballet is a multi-faceted arts organization that nurtures and manifests the love of dance across a spectrum of programs for the cultural enrichment of Aspen, Colorado, and Santa Fe, New Mexico—and beyond.
Santa Fe Opera
A. Charles Forte - Board Member
The Santa Fe Opera’s mission is to advance the operatic art form by presenting ensemble performances of the highest quality in a unique setting with a varied repertoire of new, rarely performed and standard works.
Click Here to Learn MoreThe Santa Fe Opera’s mission is to advance the operatic art form by presenting ensemble performances of the highest quality in a unique setting with a varied repertoire of new, rarely performed and standard works.
Santa Fe Mountain Center
Dotti Graviet - Treasurer, Finance Committee and Development Committee
The Mountain Center (TMC) is a nationally recognized and accredited 501(C)3 educational and therapeutic organization founded in 1979 as Santa Fe Mountain Center. They are dedicated to promoting personal discovery and social change among youth, families, and groups through the use of creative learning experiences in wilderness, community, and cultural environments.
Click Here to Learn MoreThe Mountain Center (TMC) is a nationally recognized and accredited 501(C)3 educational and therapeutic organization founded in 1979 as Santa Fe Mountain Center. They are dedicated to promoting personal discovery and social change among youth, families, and groups through the use of creative learning experiences in wilderness, community, and cultural environments.
Working With You
Our team’s objective is to provide exceptional personal attention and service while delivering customized advice to successfully integrate your life, wealth and goals.
1. Introductory Call
We begin with an informal conversation to understand your financial concerns and determine how we can add value. If we all agree to move forward, we’ll schedule our next meeting and request important financial information.
2. Get To Know You Meeting
We continue the dialogue by fostering an in-depth conversation where we learn about the values that shape your decisions and identify any unique circumstances. We also review the documents you’ve prepared and define your priorities.
3. Analysis & Plan Development
Here, we utilize proprietary financial planning tools to develop a personalized and detailed plan with recommendations to help you grow, preserve and transfer your wealth.
4. Implementation
In this step, we present appropriate strategies that are designed to work together to achieve your goals. Upon your approval, we open new accounts for you at Morgan Stanley and initiate our investment recommendations.
5. Plan Monitoring
Holistic plans change over time as your personal and family situations change. We are here to revisit your plan regularly to make tactical changes to help meet the needs of our ever-changing situations and environment.
6. Ongoing Service
Committed to premium service, we focus on developing a relationship that provides special value to you and your family. As we begin to execute each strategy, we’ll set up tools so you have immediate access to your account information. And because markets and personal needs evolve over time, we set up ongoing meetings to help ensure your plan remains on schedule to achieve your goals.
Customized Solutions
Our approach to wealth planning focuses on what is most meaningful to you.
As your life stage changes, so do your goals – our platform is designed to help you develop a flexible strategy to address these changing demands.
As your life stage changes, so do your goals – our platform is designed to help you develop a flexible strategy to address these changing demands.
Wealth Management
Wealth management bring all the dimensions of your life together. We listen carefully to understand the connections across your personal life, your family, your career, and your legacy goals to develop an integrated strategy that is uniquely yours.
Learn More
Portfolio Management
We work closely with you to understand your needs while maintaining the focus and discipline necessary to guide your portfolio in the most challenging market cycles.
Estate Planning
Guiding high-net-worth families with legacy planning and collaborating with external tax & legal advisors to execute estate planning strategies and integrate investment solutions.
Learn More
Financial Planning
The cornerstone of an effective wealth management plan is comprehensive financial planning, which captures your goals, resources, and expectations for the future. Effective planning can potentially lead to successful education and retirement income funding. It helps eliminate blind spots, and helps ensure legacy goals are met.
Learn More
Retirement Planning
One of our key areas of strength is helping your prepare for and thrive in retirement. From IRAs to RMDs, we manage the complexities of your comprehensive retirement plan assets, helping you easily transition to the next phase of your life with security and confidence.
Learn More
Endowments and Foundations
No matter what your philanthropic ambitions are, we can help you translate good intentions into an impactful strategy by utilizing a variety of trusts, charitable vehicles and wealth management tools.
Learn MoreE-Tools
Morgan Stanley is at the forefront of technology in the industry and within our team, we take pride in being leaders within the firm. As a part of our services, these resources are readily available for our clients.
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.
Learn More About MSO
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts. Our Spending and Budgeting Tool makes it easy for you and your Financial Advisor to see your complete financial picture.
Spending and Budgeting Tool
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Enroll in eDelivery
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
Learn More About Digital Vault
Mobile Deposit
Mobile Deposit allows Morgan Stanley clients to deposit checks using their mobile iPhone, Android, or tablet device. Clients take two photographs with the device's camera, one of the front and one of the back of the check, to initiate a mobile deposit.
Learn More About Mobile DepositLocation
150 Washington Ave
Suite 301
Santa Fe, NM 87501
US
Direct:
(505) 988-7750(505) 988-7750
Toll-Free:
(800) 757-3830(800) 757-3830
Meet Forte/Graviet Wealth Management Group
Dotti Graviet, CRPC®
Senior Vice President, Financial Advisor, Chartered Retirement Planning Counselor, Financial Planning Specialist, Portfolio Management Director
Phone:
(505) 988-7709(505) 988-7709
Ansel Bodelson
Financial Advisor, Financial Planning Specialist
Phone:
(505) 988-7729(505) 988-7729
Bernadette Chavez
Portfolio Associate
Phone:
(505) 988-7731(505) 988-7731
About A. Charles Forte
A professional in the financial services industry since 1977, Charles began his career locally with an international brokerage firm . After 31 years there, the team moved to Morgan Stanley in November 2008 to take advantage of the breadth of investment and research services available. Charles now serves as Senior Portfolio Manager of Forte/Graviet Wealth Management Group at Morgan Stanley alongside Dotti Graviet.
As one of less than 4% of financial advisors at Morgan Stanley to achieve the prestigious Family Wealth Director designation as of January 2022, Charles continues to meet stringent quantitative and qualitative requirements set by the firm. Charles’ successful completion of this rigorous program has allowed the team to offer many of the firm's family office resources.
Charles completed the Certified Portfolio Manager certification from Columbia University in May, 2011, making him distinctively qualified to set the long-term direction of the team’s investment strategy and concentrates on securities selection, risk control and asset allocation for the team’s discretionary investment strategies.
Born and raised in Albuquerque, New Mexico, Charles has lived in Santa Fe since 1976. He earned his Bachelor of Science degree in Chemistry at the New Mexico Institute of Mining and Technology and Bachelor of Arts degree in Accounting from the University of Albuquerque.
When out of the office, he enjoys exercising, reading, and working on his home and garden. Charles currently serves on the boards of the Aspen Santa Fe Ballet and the Santa Fe Opera. He is past President of Visiting Nurse Services and past Treasurer of the Santa Fe Chamber Music Festival.
In 2021, Charles was nominated as one of the top wealth advisors in the state of New Mexico in Forbes' Best-in-State Wealth Advisors list as of January 2022.
Disclosure:
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
As one of less than 4% of financial advisors at Morgan Stanley to achieve the prestigious Family Wealth Director designation as of January 2022, Charles continues to meet stringent quantitative and qualitative requirements set by the firm. Charles’ successful completion of this rigorous program has allowed the team to offer many of the firm's family office resources.
Charles completed the Certified Portfolio Manager certification from Columbia University in May, 2011, making him distinctively qualified to set the long-term direction of the team’s investment strategy and concentrates on securities selection, risk control and asset allocation for the team’s discretionary investment strategies.
Born and raised in Albuquerque, New Mexico, Charles has lived in Santa Fe since 1976. He earned his Bachelor of Science degree in Chemistry at the New Mexico Institute of Mining and Technology and Bachelor of Arts degree in Accounting from the University of Albuquerque.
When out of the office, he enjoys exercising, reading, and working on his home and garden. Charles currently serves on the boards of the Aspen Santa Fe Ballet and the Santa Fe Opera. He is past President of Visiting Nurse Services and past Treasurer of the Santa Fe Chamber Music Festival.
In 2021, Charles was nominated as one of the top wealth advisors in the state of New Mexico in Forbes' Best-in-State Wealth Advisors list as of January 2022.
Disclosure:
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Securities Agent: VA, AL, AZ, CA, CO, DC, FL, IL, IN, KS, MA, MD, ME, MI, NC, NE, NJ, NM, NV, NY, OH, OK, OR, PA, SC, TN, TX, UT, VT, WA, WY; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1294088
NMLS#: 1294088
About Dotti Graviet
As a partner with Forte/Graviet Wealth Management Group, Dotti embodies her personal motto, ‘it matters’ by not only assisting clients through significant life transitions, but also by empowering women on the subject of finance to help guide them to a position of strength and confidence.
In 1989 Dotti began her career in finance locally in the operations department of an international brokerage firm. Soon thereafter, she moved into the role of Registered Client Associate followed by Investment Associate; each role providing an opportunity to build upon her knowledge base. In 2008 she moved with the team to Morgan Stanley. Her role within the team changed when she transitioned to partner and Financial Advisor in 2015. In this new role she has expanded the depth of her services to include estate planning strategies, retirement planning, financial planning and insurance strategies.
Dotti earned the Chartered Retirement Planning Counselor (CRPC) designation from the College of Financial Planning in 2020. The CRPC enables experienced advisors to assist individuals focused on retiring define a “road map to retirement.” She has a distinguishing talent to assist clients in identifying pre- and post-retirement needs. Furthermore, as an active contributor in the management of the team’s portfolios, Dotti ensures client’s financial plans genuinely encompass their goals and aspirations.
Philanthropy, especially organizations focused on supporting youth, are of particular importance to Dotti. Formerly, she served as Foundation President for one of Santa Fe’s charter schools where she was instrumental in the early stages of economic development. Currently, Dotti serves as Treasurer of the board of directors for The Mountain Center; whose mission is to transform lives and strengthen communities through personal discovery and social change.
A resident of Santa Fe since 1978, Dotti now finds herself in one of her most important roles yet: a grandmother of five. In her spare time, Dotti enjoys gardening and home improvement projects.
Disclaimer:
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
In 1989 Dotti began her career in finance locally in the operations department of an international brokerage firm. Soon thereafter, she moved into the role of Registered Client Associate followed by Investment Associate; each role providing an opportunity to build upon her knowledge base. In 2008 she moved with the team to Morgan Stanley. Her role within the team changed when she transitioned to partner and Financial Advisor in 2015. In this new role she has expanded the depth of her services to include estate planning strategies, retirement planning, financial planning and insurance strategies.
Dotti earned the Chartered Retirement Planning Counselor (CRPC) designation from the College of Financial Planning in 2020. The CRPC enables experienced advisors to assist individuals focused on retiring define a “road map to retirement.” She has a distinguishing talent to assist clients in identifying pre- and post-retirement needs. Furthermore, as an active contributor in the management of the team’s portfolios, Dotti ensures client’s financial plans genuinely encompass their goals and aspirations.
Philanthropy, especially organizations focused on supporting youth, are of particular importance to Dotti. Formerly, she served as Foundation President for one of Santa Fe’s charter schools where she was instrumental in the early stages of economic development. Currently, Dotti serves as Treasurer of the board of directors for The Mountain Center; whose mission is to transform lives and strengthen communities through personal discovery and social change.
A resident of Santa Fe since 1978, Dotti now finds herself in one of her most important roles yet: a grandmother of five. In her spare time, Dotti enjoys gardening and home improvement projects.
Disclaimer:
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Securities Agent: WY, AL, AZ, CA, CO, DC, FL, IL, IN, KS, MA, MD, ME, MI, NC, NE, NJ, NM, NV, NY, OH, OK, OR, PA, SC, TN, TX, UT, VA, VT, WA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1433357
NMLS#: 1433357
About Ansel Bodelson
A Santa Fe native, Ansel Bodelson joined Forte/Graviet Wealth Management Group at Morgan Stanley in late 2019 as a Client Service Associate where he excelled at improving team efficiency and elevating the client experience. In 2022 Ansel transitioned to a Financial Advisor role, allowing him to further expand on the business development initiatives of the team. After earning the Financial Planning Specialist designation, he is focused on working with clients to help improve their financial plans and support their goals.
He received his Bachelor of Arts degree in Political Theory from the New School University in New York City. Ansel brings years of diverse experience in various industries; including, construction management, corporate advertising, non-profit efforts, hospitality, and governmental work. Ansel currently serves on the board of Resolve, a local violence prevention organization.
His personal interests consist of, spending time with his partner and their dog, hiking, gardening, experimenting with new recipes in the kitchen, and exploring new places.
He received his Bachelor of Arts degree in Political Theory from the New School University in New York City. Ansel brings years of diverse experience in various industries; including, construction management, corporate advertising, non-profit efforts, hospitality, and governmental work. Ansel currently serves on the board of Resolve, a local violence prevention organization.
His personal interests consist of, spending time with his partner and their dog, hiking, gardening, experimenting with new recipes in the kitchen, and exploring new places.
Securities Agent: DC, AL, NE, NC, WY, OK, FL, UT, WA, OH, NM, ME, VA, MD, CA, OR, KS, AZ, VT, TN, PA, NY, NV, NJ, CO, MI, TX, MA, IN, SC, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 2460262
NMLS#: 2460262
About Bernadette Chavez
Bernadette has multifaceted responsibilities all of which are centered on providing extraordinary client service. Among her many contributions to the team, she coordinates the group's overall day-to-day operations, and implements computer-based business management systems that increase efficiency in handling client requests and service matters. Her capabilities in this position are greatly appreciated by all who experience her professional demeanor and rapid execution of requests.
Additionally, in her role as Portfolio Associate, she provides essential technical support for the management of our various investment portfolios; from tracking bond prices to calculating stock values.
A Santa Fe native, Bernadette, formerly worked locally with several international brokerage firms. She joined the Forte/Graviet Team when the practice was moved to Morgan Stanley in 2008. She has her accounting certificate from DeVry Technical Institute in Phoenix and has attended Santa Fe Community College to work on her computer science degree.
Bernadette is a former coach for basketball, softball and little league baseball. She still remains a dedicated sports fanatic and enjoys reading historical fiction.
Additionally, in her role as Portfolio Associate, she provides essential technical support for the management of our various investment portfolios; from tracking bond prices to calculating stock values.
A Santa Fe native, Bernadette, formerly worked locally with several international brokerage firms. She joined the Forte/Graviet Team when the practice was moved to Morgan Stanley in 2008. She has her accounting certificate from DeVry Technical Institute in Phoenix and has attended Santa Fe Community College to work on her computer science degree.
Bernadette is a former coach for basketball, softball and little league baseball. She still remains a dedicated sports fanatic and enjoys reading historical fiction.
Contact A. Charles Forte
Contact Dotti Graviet
Contact Ansel Bodelson
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
Rick Dombrowski
Private Banker
Alex Delgadillo
Financial Planning Director, Vice President
About Rick Dombrowski
Rick Dombrowski is a Private Banker serving Morgan Stanley Wealth Management offices in Arizona.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Rick began his career in financial services in 1996, and joined Morgan Stanley in 2014 as a Private Banker. Prior to joining the firm, he was a Private Banker at BBVA Compass. He also served as a Credit Analyst, Private Banker and Regional Credit Manager at Wells Fargo Bank, N.A.
Rick is a graduate of Arizona State University, where he received a Bachelor of Science in Finance. He lives in Scottsdale, Arizona with his family. Outside of the office, Rick enjoys music, skiing, and traveling.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Rick began his career in financial services in 1996, and joined Morgan Stanley in 2014 as a Private Banker. Prior to joining the firm, he was a Private Banker at BBVA Compass. He also served as a Credit Analyst, Private Banker and Regional Credit Manager at Wells Fargo Bank, N.A.
Rick is a graduate of Arizona State University, where he received a Bachelor of Science in Finance. He lives in Scottsdale, Arizona with his family. Outside of the office, Rick enjoys music, skiing, and traveling.
NMLS#: 512436
About Alex Delgadillo
Alex is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Arizona and New Mexico He is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Alex began his career in financial services in 2010, and joined Morgan Stanley in 2022. Prior to his current position, he worked as a Private Client Advisor for J.P. Morgan.
Alex graduated from Arizona State University and Tecnológico de Monterrey and holds his Certified Financial Planner™ designation. Alex lives in Phoenix, Arizona with his family. Outside of work, Alex enjoys film production, stand-up comedy, and tennis. Some organizations that he supports include the Community Food Bank of Southern Arizona, Phoenix Committee on Foreign Relations, Phoenix Sister Cities, Detour Theatre Company, and Cowtown SKATE.
Alex began his career in financial services in 2010, and joined Morgan Stanley in 2022. Prior to his current position, he worked as a Private Client Advisor for J.P. Morgan.
Alex graduated from Arizona State University and Tecnológico de Monterrey and holds his Certified Financial Planner™ designation. Alex lives in Phoenix, Arizona with his family. Outside of work, Alex enjoys film production, stand-up comedy, and tennis. Some organizations that he supports include the Community Food Bank of Southern Arizona, Phoenix Committee on Foreign Relations, Phoenix Sister Cities, Detour Theatre Company, and Cowtown SKATE.
Wealth Management
From Our Team
The Full Account - Q2 2024
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
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 Forte/Graviet Wealth Management Group today.
1Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3Morgan 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.
4Morgan 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.
5Morgan 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.
6Morgan 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
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 and other legal matters.
8When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3Morgan 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.
4Morgan 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.
5Morgan 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.
6Morgan 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
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 and other legal matters.
8When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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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:
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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)
