Phone:
(805) 564-7987(805) 564-7987
Galin Kranz Group at Morgan Stanley
Direct:
(805) 564-7985(805) 564-7985
Our Mission Statement
The Galin & Kranz team is built on values that create a culture of excellence and integrity. Personalized care ensures that each of our clients’ specific needs are met, while limiting the risk necessary in achieving their individual goals. A key component in our business is building genuine, lasting relationships with our clients; going beyond what is expected, while always staying true to our principles.
Our Story and Services
As your Financial Advisors & wealth management team, we will help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Services Include
- Retirement PlanningFootnote1
- 401(k) Rollovers
- Wealth PlanningFootnote2
- Wealth ManagementFootnote3
- Trust ServicesFootnote4
- Business PlanningFootnote5
- Sustainable InvestingFootnote6
- Corporate Pension Plans
- Business Succession PlanningFootnote7
- Professional Portfolio ManagementFootnote8
- Qualified Retirement PlansFootnote9
- Municipal BondsFootnote10
- Estate Planning StrategiesFootnote11
- Divorce Financial AnalysisFootnote12
- LGBT+ Planning ServicesFootnote13
- Cash Management and Lending ProductsFootnote14
- Philanthropic ManagementFootnote15
- Long Term Care InsuranceFootnote16
- Life InsuranceFootnote17
- 529 PlansFootnote18
- AnnuitiesFootnote19
- Endowments and FoundationsFootnote20
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Commitment To You
Our first step in working with you begins with a clear understanding of your current situation, objectives, goals and risk tolerance. Only then can we deliver customized solutions through a disciplined process and strategy. As each family and organization vary, we tailor and implement solutions that are individually personalized to your life. We take care of you and the people that matter most to you. Our long lasting relationships are cultivated through consistency, accountability and results.
The Galin Kranz Group Wealth Management Process
LISTEN to you. Gain a clear understanding of where you are and where you want to be.
INTERPRET your unique circumstances to identify and analyze opportunities that can best meet your goals.
FORMULATE an implement a highly customized strategy grounded in the expertise of an integrated, experienced team of professionals.
EVOLVE by growing with you and adjusting your financial plan as life changes.
INTERPRET your unique circumstances to identify and analyze opportunities that can best meet your goals.
FORMULATE an implement a highly customized strategy grounded in the expertise of an integrated, experienced team of professionals.
EVOLVE by growing with you and adjusting your financial plan as life changes.
Personalized Wealth Management
Morgan Stanley's personalized wealth management process is designed to provide a road map to your financial future. Leveraging our vast resources - including intellectual capital, experience and dedicated personal service - we can work with you to create a personalized wealth strategy. Then over time, we can adapt it to changing circumstances, helping you to achieve and to protect your goals.
Specialization
The Galin & Kranz group work extensively with these sectors:
Women and Wealth
Wealth is about more than just your money. True wealth is also about your life and the things you value most. Regardless of whether you are married, divorced or widowed, have a family and or career, own business, create your wealth or inherit assets, there are relationships interests and goals that bring you joy. These vital elements need to be the heart of your wealth plan.
Click here for our Women and Wealth Brochure
Retirement Planning
Planning for retirement has never been easy, but in recent years, it's become increasingly difficult. Chances are, you're not covered by a defined benefit plan at work that provides known income payments at retirement. These plans have largely been replaced by 401(k) or other defined contribution plans that put the burden on you to make the right investment decisions.
That's where your Financial Advisor and the Morgan Stanley Goals Planning System (GPS_ can help.
Click here for our retirement planning brochureThat's where your Financial Advisor and the Morgan Stanley Goals Planning System (GPS_ can help.
Trust Services available through Morgan Stanley
Wealth accumulation is followed by wealth preservation, which in turn is followed by wealth transition. The management of these three wealth phases requires careful planning and long-term commitment.
Our trustee platform is “open architecture,” meaning that we provide you with access to an appropriate third-party corporate trustee for your trust account. Trust Specialists, within Morgan Stanley, analyze client trust documents and situations and then suggest a fiduciary solution for your needs and goal.
Click here for our trust services brochureOur trustee platform is “open architecture,” meaning that we provide you with access to an appropriate third-party corporate trustee for your trust account. Trust Specialists, within Morgan Stanley, analyze client trust documents and situations and then suggest a fiduciary solution for your needs and goal.
Investing With Impact
At Morgan Stanley, we find many clients are looking for an investment strategy that not only seeks to generate market-rate financial returns, but that also strives to deliver positive environmental and social impact.
Estate Planning Strategies
The Wealth and Estate Planning Strategists look at all aspects of an individual’s estate to understand the potential income tax and estate planning attributes of the vehicles. The goal is for the client and his or her investment professionals to make more informed investment decisions looking at their estate plan holistically.
Click here for our estate planning strategies brochure
Planning for Long Term Care
You may have spent years carefully working and planning so that you have sufficient income for a comfortable retirement. You may think that your retirement savings are protected but have you ever considered what might happen if you or your spouse required long-term care?
Click here for our Planning for Long-Term Care brochure
Navigating Divorce - Planning for the New Beginning
As you begin to plan for this next stage in life, it is important to evaluate the impact divorce can have on both your personal and financial matters. The more you know and the better you understand your options, the more likely you are to make sound financial decisions. Learn how to build a solid financial strategy that may help provide you with greater security and flexibility in the future.
Click here for our Navigating Divorce - Planning for a New Beginning brochureLocation
1332 Anacapa Street 2nd
Fl
Santa Barbara, CA 93101
US
Direct:
(805) 564-7985(805) 564-7985
Fax:
(805) 433-9242(805) 433-9242
Meet Galin Kranz Group
Phone:
(805) 564-7985(805) 564-7985
Cassandra Rapp
Registered Client Service Associate
Phone:
(805) 564-7960(805) 564-7960
Jesse G. Mazza
Vice President, Private Banker
Phone:
(818) 713-4764(818) 713-4764
About Debra A Galin
As a Senior Vice President and Wealth Advisor with Morgan Stanley, Debra Galin has extensive experience and knowledge in the industry. For more than 24 years, she has worked with a selective group of high net worth individuals through an organic process dedicated to personalized service. Debra uses a comprehensive wealth strategy to help client meet their lifestyle and legacy goals. She is highly connected with some of the very best investment resources in the country.
Debra started her financial career in the financial services industry in 1990. She joined Smith Barney / Morgan Stanley in 2000 and recently created the Galin Kranz group in 2019, expanding her team to an even higher service level for her clients. Debra maintains two State Securities Law examination licenses, two General Industry examination licenses and 25 state registration licenses. She graduated from the University of California, Santa Barbara, with a Bachelor's degree in Economics.
Debra started her financial career in the financial services industry in 1990. She joined Smith Barney / Morgan Stanley in 2000 and recently created the Galin Kranz group in 2019, expanding her team to an even higher service level for her clients. Debra maintains two State Securities Law examination licenses, two General Industry examination licenses and 25 state registration licenses. She graduated from the University of California, Santa Barbara, with a Bachelor's degree in Economics.
Securities Agent: NM, CO, NY, KY, MI, CT, VT, NV, IA, AR, OR, MA, MN, IL, ID, GA, TN, NJ, HI, LA, WA, OH, FL, CA, UT, MT, DE, AZ, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 1268264
NMLS#: 1268264
About Sabrina N. Kranz
As a Vice President and Portfolio Management Director with Morgan Stanley, Sabrina Kranz brings a wealth of knowledge, experience and connections in the field of financial services for more than 24years. She has worked with a diverse group of clients to help them navigate through the world of complex financial planning partnering with the industry's best resources.
Originally from Honolulu where she started her first financial career in GECC Financial Corporation, Sabrina moved to Santa Barbara to join Merrill Lynch in 1995, then Financial Advisor at Morgan Stanley & Vice President at UnionBanc Investment Services. She rejoined Morgan Stanley in July 2019 to form the Galin Kranz Group.
Sabrina graduated from Hawaii Pacific University with a Bachelor of Science in Business Administration degree and a Masters in Business Administration, with majors in Marketing and Finance. She had education in Europe in Kent and The London School of Economics. At Morgan Stanley, she directs investments as a Senior Portfolio Manager. Sabrina is also a licensed California insurance agent. She maintains two general securities industry examinations licenses, three state securities law examination licenses; as well as 23 state licenses.
With her dynamic team, Sabrina continues to perform for her clients and provides a high level of service. She also dedicates her time to non-profit work and pioneers the women and wealth education seminars.
Originally from Honolulu where she started her first financial career in GECC Financial Corporation, Sabrina moved to Santa Barbara to join Merrill Lynch in 1995, then Financial Advisor at Morgan Stanley & Vice President at UnionBanc Investment Services. She rejoined Morgan Stanley in July 2019 to form the Galin Kranz Group.
Sabrina graduated from Hawaii Pacific University with a Bachelor of Science in Business Administration degree and a Masters in Business Administration, with majors in Marketing and Finance. She had education in Europe in Kent and The London School of Economics. At Morgan Stanley, she directs investments as a Senior Portfolio Manager. Sabrina is also a licensed California insurance agent. She maintains two general securities industry examinations licenses, three state securities law examination licenses; as well as 23 state licenses.
With her dynamic team, Sabrina continues to perform for her clients and provides a high level of service. She also dedicates her time to non-profit work and pioneers the women and wealth education seminars.
Securities Agent: IA, HI, OR, ID, GA, NM, IL, CO, VT, UT, NY, CA, AR, WA, MT, FL, AZ, LA, TX, NV, TN, OH, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 1925835
CA Insurance License #: 0B23063
NMLS#: 1925835
CA Insurance License #: 0B23063
About Cassandra Rapp
Cassandra (Cassie) Rapp is a registered client service associate who has been with Morgan Stanley since 2013. She works hand in hand with clients to help them navigate their accounts and keep them up to date. Cassie works hard to make sure clients have the best experience with their accounts whether with handling documents, assisting in transactional tasks, or assisting clients with setting up online access. She holds two general securities industry examination licenses and one state law examination license. Cassie moved to Santa Barbara from Los Angeles in 1996. She graduated from Laguna Blanca High School and obtained her bachelor’s degree in Political Science from Westmont College after attending UC Davis.
Securities agent: AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, KY, MA, MI MN, MT, NV, NJ, NM, NY, NC, OH, OR, TN, TX, UT, VT, WA General Securities Representative, Investment Advisor
Securities agent: AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, KY, MA, MI MN, MT, NV, NJ, NM, NY, NC, OH, OR, TN, TX, UT, VT, WA General Securities Representative, Investment Advisor
About Jesse G. Mazza
NMLS#: 667403
Contact Debra A Galin
Contact Sabrina N. Kranz
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
Londyn Crowder-Maree
Private Banker
Jesse Mazza
Private Banker
Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director, Workplace Advisor – Equity Compensation
Helen Zhao, CFP®, CFA®
Financial Planning Director, Vice President
Sean Lavin
Trust Specialist
About Londyn Crowder-Maree
Londyn Crowder-Maree is a Private Banker serving Morgan Stanley Wealth Management offices in California.
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.
Londyn began her career in financial services in 2008, and joined Morgan Stanley in 2014 as an Associate Private Banker. Prior to joining the firm, she was a Regional Bank Private Banker at Wells Fargo Bank, N.A. She also served as a Wealth Management Banker and an Internal Sales Specialist at Merrill Lynch.
Londyn is a graduate of Rutgers University, where she received Bachelor of Arts in Economics and a Masters of Business Administration from Florida Atlantic University in Boca Raton, FL. She lives in Valencia, CA with her daughter Jonah. Outside of the office, Londyn enjoys fashion, music as well as dedicating time to her church and philanthropic outreach programs.
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.
Londyn began her career in financial services in 2008, and joined Morgan Stanley in 2014 as an Associate Private Banker. Prior to joining the firm, she was a Regional Bank Private Banker at Wells Fargo Bank, N.A. She also served as a Wealth Management Banker and an Internal Sales Specialist at Merrill Lynch.
Londyn is a graduate of Rutgers University, where she received Bachelor of Arts in Economics and a Masters of Business Administration from Florida Atlantic University in Boca Raton, FL. She lives in Valencia, CA with her daughter Jonah. Outside of the office, Londyn enjoys fashion, music as well as dedicating time to her church and philanthropic outreach programs.
NMLS#: 800266
About Jesse Mazza
Jesse Mazza is a Private Banker serving Morgan Stanley Wealth Management offices in California.
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.
Jesse began his career in financial services in 2011 and joined Morgan Stanley in 2016 as an Associate Private Banker. Prior to joining the firm, he was a Private Client Banker at JP Morgan Chase.
Jesse is a graduate of the University of La Verne, where he received a Bachelor of Science in Business Administration. He lives in Thousand Oaks, California with his wife and 2 children. Outside of the office, Jesse enjoys spending time with his family, hiking, traveling, and cooking.
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.
Jesse began his career in financial services in 2011 and joined Morgan Stanley in 2016 as an Associate Private Banker. Prior to joining the firm, he was a Private Client Banker at JP Morgan Chase.
Jesse is a graduate of the University of La Verne, where he received a Bachelor of Science in Business Administration. He lives in Thousand Oaks, California with his wife and 2 children. Outside of the office, Jesse enjoys spending time with his family, hiking, traveling, and cooking.
NMLS#: 667403
About Helen Zhao
Helen Zhao is a Vice President and Financial Planning Director, serving Morgan Stanley’s Wealth Management offices in the Woodland Hills market in Greater Los Angeles area. She is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Helen began her career in financial services in 2007 and has spent over ten years at Morgan Stanley. Prior to her career in finance, Helen was a practicing CPA with Deloitte Tax LLP and Ernst & Young.
Helen graduated from Pepperdine University with an MBA and holds her Certified Financial Planner® and Chartered Financial Analyst designations. Helen lives in west Los Angeles and teaches personal financial planning part time at UCLA Extension.
Helen began her career in financial services in 2007 and has spent over ten years at Morgan Stanley. Prior to her career in finance, Helen was a practicing CPA with Deloitte Tax LLP and Ernst & Young.
Helen graduated from Pepperdine University with an MBA and holds her Certified Financial Planner® and Chartered Financial Analyst designations. Helen lives in west Los Angeles and teaches personal financial planning part time at UCLA Extension.
About Sean Lavin
Sean is a Regional Trust Specialist for Morgan Stanley based in Los Angeles. He is responsible for supporting Private Wealth Advisors and their clients’ legal counsel in developing trust and fiduciary solutions for families, institutions and charities. Sean works closely with clients and their legal and strategic advisors to help educate them on appropriate trust vehicles designed to meet the clients’ specific goals and objectives. Sean also provides advice on how to utilize the fiduciary services available through the Morgan Stanley’s comprehensive third party trustee platform that is available to clients.
Sean joined Morgan Stanley in 1999 including several years as a Senior Vice President and Regional Trust Specialist with Smith Barney and Citi Trust. Prior to then, Sean was a Senior Trust Officer with Merrill Lynch / Bank of America.
Sean graduated from the University of Southern California with a bachelor’s degree in business administration and received his master’s degree in business administration from the UCLA Anderson School of Management. Sean holds the Certified Financial Planner and Certified Trust and Financial Advisor designations and is Series 7 and 66 licensed.
Sean joined Morgan Stanley in 1999 including several years as a Senior Vice President and Regional Trust Specialist with Smith Barney and Citi Trust. Prior to then, Sean was a Senior Trust Officer with Merrill Lynch / Bank of America.
Sean graduated from the University of Southern California with a bachelor’s degree in business administration and received his master’s degree in business administration from the UCLA Anderson School of Management. Sean holds the Certified Financial Planner and Certified Trust and Financial Advisor designations and is Series 7 and 66 licensed.
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Ready to start a conversation? Contact Galin Kranz Group today.
1When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
2Morgan Stanley 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.
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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan 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.
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.
6The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
8Morgan Stanley’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.
9When 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.
10Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
11Morgan 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.
12Morgan 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.
13Morgan 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.
14Morgan 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
15Products 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.
16Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
17Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
18Investors 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.
19Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
20Morgan 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.
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 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.
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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan 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.
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.
6The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
8Morgan Stanley’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.
9When 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.
10Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
11Morgan 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.
12Morgan 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.
13Morgan 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.
14Morgan 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
15Products 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.
16Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
17Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
18Investors 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.
19Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
20Morgan 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 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.
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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.
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Awards Disclosures
CRC 6491812 (04/2024), 3582895 (6/2024)
