Savanah Arellano
Associate Private Banker
Freddie Sarno, QPFC®, CRPS®
Senior Vice President,
Financial Advisor,
Government Entity Specialist,
Corporate Retirement Director,
Senior Investment Management Consultant
Direct:
(702) 792-2057(702) 792-2057
Toll-Free:
(800) 247-2265(800) 247-2265
My Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
My Story and Services
About Freddie Sarno
Freddie Sarno has over 28 years of experience in the financial services industry and has been with Morgan Stanley since 2000 through predecessor firms. Freddie studied Business Administration at the University of San Diego and has been a member of Morgan Stanley's President's Council. Designations within Morgan Stanley include: Senior Investment Management Consultant, Corporate Retirement Director, Financial Planning Specialist and Financial Wellness Director. Additionally, Freddie maintains the Chartered Retirement Plans Specialist (CRPS®) and Qualified Retirement Plan Financial Consultant (QPFC®) designations and has completed the Graduate Estate Planning Consultant curriculum from the National Institute for Estate Planners.
Freddie holds the Series 7, Series 31, Series 63 and Series 65 (Registered Investment Advisor) licenses as well as Life and Health Insurance licenses in numerous states. With a focus on overall strategy and design, Freddie is skilled at leveraging both internal and external resources to craft and design comprehensive financial plans for his clients. In addition to providing customized private wealth management and investment strategies for his clients, Mr. Sarno is also highly trained in the area of consulting to retirement plans. The Corporate Retirement Director designation allows access to industry leading tools and resources to help retirement plan sponsors manager their fiduciary responsibilities.
Outside of work, Freddie has served as an Executive Committee Member of the Las Vegas Founders Club and volunteers at Three Square Food Bank. His interests include golf, travel, fitness and music/fashion/art.
Get In Touch
Click the 'Contact Met' button at the top of this page or reach out directly.
Phone: (702) 792 2057
Email: Freddie.Sarno@MorganStanley.com
Services Include
- Wealth ManagementFootnote1
- Corporate Cash Management
- Corporate Pension FundsFootnote2
- Corporate Retirement PlansFootnote3
- Defined Contribution PlansFootnote4
- Endowments and FoundationsFootnote5
- Estate Planning StrategiesFootnote6
- Executive Benefit ServicesFootnote7
- Executive Financial ServicesFootnote8
- Institutional ServicesFootnote9
- Qualified Plans
Securities Agent: NJ, CO, AZ, TX, MI, MO, IA, CA, WI, NV, IN, DE, NH, UT, OR, IL, NY, KS, FL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278968
NMLS#: 1278968
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
Our wealth management process begins with a thorough and in-depth initial consultation to identify your specific investment and planning goals and objectives: income, capital appreciation, capital preservation or a combination of these.
We will then take inventory of your financial assets and resources to craft a customized financial plan. This will include an objective analysis and potential recommended changes of any current investment portfolios to align your assets to help work towards the specific goals that we have identified.
Since no two clients are alike, and based on your specific needs, we will leverage internal partners as needed across Morgan Stanley's industry-leading platform to address insurance and estate planning strategies, private banking/lending solutions, trust services and philanthropy.
Your financial plan is intended to be flexible and fluid to adapt to changing circumstances in your family's lives.
You can expect proactive and attentive service to help assure that your experience with The Sarno Group is exemplary.
1. Introductory Call
We begin with an informal conversation to understand your financial concerns and determine how we can add value. If we agree to move forward, we'll schedule our next meeting and request important financial information.
2. Discovery Meeting
We continue the dialogue by fostering an in-depth conversation where we'll learn about the value 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 that seek to help you grow, preserve and transfer your wealth.
4. Implementation
In this step, we'll present appropriate strategies that are designed to work together to achieve your goals. Upon your approval, we'll open new accounts for you at Morgan Stanley and initiate our investment recommendations. We'll also begin to implement other strategies we've discussed. These often encompass tax management strategies, as well as risk management and estate planning strategies.
5. Monitoring & Performance Tracking
We will be constantly monitoring your assets and analyzing your performance tracking data seeking to help ensure your financial journey is on track and adjusted accordingly when necessary. We will keep a high degree of communication with you to help make sure your concerns and requests are always addressed.
6. Ongoing Service
Finally, committed to premium service, we'll focus on developing a relationship that provides individual 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'll set up ongoing meetings to help ensure your plan remains on schedule towards your goals.
Private Banking
With exceptional wealth comes exceptional complexity. At the Sarno Group, you will have access to some of the world’s most seasoned and respected investment professionals, and a full spectrum of investment choices.
Savanah Arellano, Private Banker
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. Savanah Arellano is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Nevada and California.
Cash Management
As a Morgan Stanley client, you have access to a comprehensive suite of cash management
solutions. These solutions are available through the Morgan Stanley CashPlus Brokerage Account or the Active Assets Account, which allows you to manage your cash management needs alongside your long-term investments.
solutions. These solutions are available through the Morgan Stanley CashPlus Brokerage Account or the Active Assets Account, which allows you to manage your cash management needs alongside your long-term investments.
Home Loans
Whether you're buying or refinancing a home, purchasing a vacation or investment property, or helping a family member realize their homeownership goals, let us help you find the best financing solution to meet your needs. Our team is here to help you every step of the way, from helping you find the loan that's right for you all the way through closing.
Lower your rate by expanding your relationship with Morgan Stanley
Ultra High Net Worth Lending (UHNWL)
A comprehensive wealth management strategy often
includes prudent borrowing to complement investments.
Borrowing options for Ultra High Net Worth (“UHNW”)
clients may be available based on your unique needs.
Learn more about UHNWLincludes prudent borrowing to complement investments.
Borrowing options for Ultra High Net Worth (“UHNW”)
clients may be available based on your unique needs.
Securities Based Lending (SBL)
SBL can help you manage your cash flow more effectively while maximizing your working capital. We can help you decide if SBL is suitable for you and makes sense for your overall wealth management strategy. Because we will have knowledge of both sides of your balance sheet, you can make educated decisions together about how best to put your assets to work.
Learn more about SBLRetirement Plans
The Sarno Group is a team of experienced professionals with extensive experience in investments, regulatory and compliance concerns, plan design, vendor searches and overall plan assessment. We offer Retirement Plan Sponsors comprehensive investment advice and retirement plan consulting services.
Our approach is focused on improving plan efficiency, participant engagement, investment optimization, increased transparency and financial wellness programs.
Our approach is focused on improving plan efficiency, participant engagement, investment optimization, increased transparency and financial wellness programs.
Corporate Retirement Director (CRD)
Freddie Sarno is designated as a Corporate Retirement Plan Director (CRD) within Morgan Stanley which recognizes financial advisors who, as part of their practice, provides investment advice and comprehensive consulting to retirement plans. Freddie is part of an esteemed group of approximately 2 percent of professionals within the firm designated as a CRD.
Chartered Retirement Plans Specialist℠ (CRPS®)
Freddie Sarno has earned the designation of Chartered Retirement Plans Specialist(CRPS®) from College for Financial Planning and maintains this designation by fulfilling annual continuing education requirements.
Qualified Plan Financial Consultant (QPFC®)
Freddie Sarno has earned the designation of Qualified Financial Plan Consultant (QPFC®) from the National Association of Plan Advisors and maintains this designation by fulfilling annual continuing education requirements.
Financial Times Top 401 Retirement Advisor
Financial Times Top 401 Retirement Advisor
Freddie Sarno at Morgan Stanley Wealth
Management Recognized by Financial Times Magazine in 2020, 2019, 2018 & 2017.
Freddie Sarno at Morgan Stanley Wealth
Management Recognized by Financial Times Magazine in 2020, 2019, 2018 & 2017.
2019 Top 100 Retirement Plan Advisor
Freddie Sarno at Morgan Stanley Wealth
Management Recognized by PLANADVISER
Magazine.
Management Recognized by PLANADVISER
Magazine.
Retirement Solutions
Morgan Stanley at Work provides plan sponsors with a comprehensive suite of solutions and investment experience that helps your employees maximize their potential to reach their long-term goals.
Click to learn more
SECURE 2.0 Act
As the legislative landscape evolves, companies need to stay ahead of the curve. Morgan Stanley at Work walks through what the SECURE 2.0 means for your retirement and student loan benefits.
Click to read more on the SECURE 2.0 Act
Washington Update Q1-2023
A Summary of Key Legislative and Regulatory Developments Affecting Retirement Savings.
Retirement Plan Profile Questionnaire
A retirement plan is one of the most important benefits you can offer your employees. The information requested in this questionnaire will help us identify solutions that best correspond with your needs and those of your employees.
Click to get started
Becoming a Fiduciary
Get familiar with your role as a plan sponsor fiduciary responsibilities and choices you
can make to manage those responsibilities while protecting yourself and your business.
Learn more nowcan make to manage those responsibilities while protecting yourself and your business.
Valuable Tools and Resources
I believe access to financial education leads to better insights into our investment strategy and goals, and ultimately better long-term decisions.
Morgan Stanley's comprehensive suite of digital resources has carefully been designed to help enhance each aspect of your financial portfolio. Take some time to learn about some of the many Modern Wealth Management resources that we offer to our clients.
Morgan Stanley's comprehensive suite of digital resources has carefully been designed to help enhance each aspect of your financial portfolio. Take some time to learn about some of the many Modern Wealth Management resources that we offer to our clients.
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows for easy sharing and convenient access to life’s most important documents from wills and deeds to financial statements and tax fillings. Easily manage your encrypted financial records all in one place.
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, 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
Check out the latest episode
On the Markets Resaerch
Detailed market commentary from some of Morgan Stanley's leaders, on topics such as global equities, fixed income, monetary policy and more.
Click to learn more
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Check out the GIC Weekly Research Report
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 handy resource that is available 24/7.
Learn more about Morgan Stanley Online
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 ViewClient Service Team
Sarah Ingmanson - Registered Client Service Associate
Phone:
(702) 792-2055(702) 792-2055
Email:Sarah.Ingmanson@morganstanley.com
Sarah Ingmanson is a Registered Client Service Associate with over 18 years of experience in the financial services industry. Sarah joined Morgan Stanley in 2004 after earning an MBA in Finance from Wharton and an MA in International Affairs from the Lauder Institute at the University of Pennsylvania. She graduated Summa Cum Laude from Tufts University with a double-major of Quantitative Economics and International Relations, and also received a Fulbright grant to study Economics at Osaka University.
Sarah holds the Series 7, 63, 66, SIE, licenses as well as Life and Health Insurance licenses in numerous states.
Outside of the office, you will find Sarah on the ice. She has her Silver Medal in Freestyle and her Gold Medal in Ice Dancing and has skated with Disney On Ice in Japan, Egypt, Israel, the US, and Canada. She is a coach at the Golden Knights Skating Academy and takes on her favorite role as skating mom to her 10-year-old daughter, Desiree.
Sarah holds the Series 7, 63, 66, SIE, licenses as well as Life and Health Insurance licenses in numerous states.
Outside of the office, you will find Sarah on the ice. She has her Silver Medal in Freestyle and her Gold Medal in Ice Dancing and has skated with Disney On Ice in Japan, Egypt, Israel, the US, and Canada. She is a coach at the Golden Knights Skating Academy and takes on her favorite role as skating mom to her 10-year-old daughter, Desiree.
Location
8548 Rozita Lee Ave
Ste 400
Las Vegas, NV 89113
US
Direct:
(702) 792-2057(702) 792-2057
Toll-Free:
(800) 247-2265(800) 247-2265
Fax:
(702) 369-3434(702) 369-3434
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
Gail G. Brown, CFP®
Financial Planning Director, Assistant Vice President
About Savanah Arellano
Savanah Arellano is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Nevada and California.
Associate Private Bankers partner with Private Bankers and 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.
Savanah began her career in financial services in 2005, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, she was a Wealth Management Associate at U.S. Bancorp.
She lives in Las Vegas, NV with her family. Outside of the office, Savanah enjoys reading, cooking and spending time with her kids at their sporting events and volunteering in their classrooms.
Associate Private Bankers partner with Private Bankers and 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.
Savanah began her career in financial services in 2005, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, she was a Wealth Management Associate at U.S. Bancorp.
She lives in Las Vegas, NV with her family. Outside of the office, Savanah enjoys reading, cooking and spending time with her kids at their sporting events and volunteering in their classrooms.
NMLS#: 679740
About Gail G. Brown
Gail G. Brown, CFP® CPWA® is Assistant Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Central California and Las Vegas. She is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Gail began her career in financial services in 2005 and joined Morgan Stanley in 2016. Prior to her current position, she worked in array of financial services to include; lending, business banking, risk management and investment advisory services. Her broad experience has demonstrated to her, the importance of developing a financial plan, that ensures all aspects of our clients’ financial world align and complement one another.
Gail graduated from University of Nevada Las Vegas and holds her CERTIFIED FINANCIAL PLANNER™ and Certified Personal Wealth Advisor® designations.
Gail is a native of Las Vegas and enjoys serving on the board of the local Summerlin Rotary Club. She loves international travel adventures where she can immerse herself in other cultures, camping and getting her hands dirty in her home garden. Gail truly enjoys her work; she finds purpose in providing clarity and peace of mind to our amazing clients and their families.
Gail began her career in financial services in 2005 and joined Morgan Stanley in 2016. Prior to her current position, she worked in array of financial services to include; lending, business banking, risk management and investment advisory services. Her broad experience has demonstrated to her, the importance of developing a financial plan, that ensures all aspects of our clients’ financial world align and complement one another.
Gail graduated from University of Nevada Las Vegas and holds her CERTIFIED FINANCIAL PLANNER™ and Certified Personal Wealth Advisor® designations.
Gail is a native of Las Vegas and enjoys serving on the board of the local Summerlin Rotary Club. She loves international travel adventures where she can immerse herself in other cultures, camping and getting her hands dirty in her home garden. Gail truly enjoys her work; she finds purpose in providing clarity and peace of mind to our amazing clients and their families.
NMLS#: 693330
CA Insurance License #: 0M34241
CA Insurance License #: 0M34241
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?
Article Image
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
Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
State of the Workplace Study 2023
Article Image
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Freddie Sarno today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4When 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.
5Morgan 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.
6Morgan 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.
7When 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.
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 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.
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
2Morgan 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4When 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.
5Morgan 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.
6Morgan 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.
7When 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.
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 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.
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)
