Fernando Garcia Morillo
Executive Director, International Client Advisor, Global Sports and Entertainment Director
Phone:
(305) 376-8563(305) 376-8563
Garcia Morillo Querasian Nino Group at Morgan Stanley
Direct:
(305) 376-8520(305) 376-8520
Toll-Free:
(800) 327-0273(800) 327-0273
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Welcome
As your Financial Advisors, we can 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
- Alternative InvestmentsFootnote1
- Cash ManagementFootnote2
- Certificates of DepositFootnote3
- Corporate BondsFootnote4
- Fixed IncomeFootnote5
- Foreign ExchangeFootnote6
- FuturesFootnote7
- Lending Products
- Philanthropic Services
- Professional Portfolio ManagementFootnote8
- Sustainable InvestingFootnote9
- Wealth ManagementFootnote10
- 401(k) Rollovers
- 529 PlansFootnote11
- AnnuitiesFootnote12
- CommoditiesFootnote13
- Structured ProductsFootnote14
- SyndicateFootnote15
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Valuable Tools and Resources
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We’ve provided links to these materials, where available, and hope you’ll return often to learn more about the topics that impact your overall wealth.
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We’ve provided links to these materials, where available, and hope you’ll return often to learn more about the topics that impact your overall wealth.
2024 Federal Tax Tables
This helpful resource outlines the 2024 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
Click here to access the 2024 federal tax tables
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
Lessons in Leadership
Morgan Stanley frequently invites influential figures in the sports, music, and entertainment industries to give talks regarding their careers and experiences with leadership.
Register for the next presentation
Addressing Cybersecurity
In a world that is now more virtual than ever, staying safe online is nothing short of paramount. Take advantage of these helpful hints on how to tell if you've been hacked.
Learn how to detect hacking
Traveling Safely
Our world is thankfully at a place where travel can be more commonplace, but with that, we must make sure that we are traveling safely when we choose to embark on a getaway. Take a look at these helpful tips and tricks that you can adopt when traveling to stay safe on the road and in the skies.
Learn how to travel safely
IWM: Spotlight on Success
Listen to our very own Priscila Querasian, along with other members of the Morgan Stanley community discuss their work relationship with their clients during uncertain times.
Check out the videoModern Wealth Management Tools and Resources
Our goal is simple: “To be the firm where the most talented, trusted advisors in the industry leverage cutting-edge technology and deliver customized wealth management solutions to their clients and their families to enable them to achieve their life goals.” The Firm strives to ensure it serves clients on market-leading technology platforms that are resilient, safe, efficient, smart, fast and flexible.
Morgan Stanley Online
Morgan Stanley Online and the Morgan Stanley Mobile App provide clients with access to their account information, enriched reporting tools, several cash management solutions and robust market research. The Morgan Stanley Mobile App provides clients with access to their accounts in just a few taps.
Learn more about Morgan Stanley Online
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your external account information, you will benefit from more informed and comprehensive wealth planning, and convenient connectivity.
Learn more about Total Wealth View
Goals-Based Planning
A holistic Goals Planning System approach can tailor an investment framework that considers key aspects of a client's life, such as retirement age, healthcare costs, home buying, cash management, legacy needs, and potential withdrawal strategies. Once goals are assessed, various investment proposals are considered to help clients get on track in accordance to their risk tolerance. The new tools will link to the latest asset allocation models, research, and ideas and facilitate us in providing advice where it's needed.
Learn more about Goals-Based Planning
MS Reserved
Morgan Stanley Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn more about MS Reserved
Signature Access
Signature Access, the highest tier of Morgan Stanley’s complimentary loyalty program Reserved Living & Giving, gives clients with $10 million or more in assets at the firm access to world class services such as Private Health Advisory, Personal Cybersecurity Services, Aircraft Management and more in addition to all the discounts and content available through Reserved Living & Giving.
Log into Signature Access
Family Office Resources
Family Office Resources (FOR) provides specialized technical expertise to ultra-high net worth advisors and clients across a broad range of family wealth management issues.
Learn more about Family Office Resources
CashPlus
CashPlus is an incentive program that recognizes and rewards clients for choosing Morgan Stanley for their everyday cash management needs. If certain eligibility requirements are met, clients can benefit from a myriad of advantages brought to them by CashPlus.
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform, powered by Blackrock's Aladdin Risk Engine, helps clients and financial advisors quantify and manage risk in the volatile financial markets. The platform features detailed risk-assessment processes, hypothetical stress tests, and state-of-the-art analytics to assess over 3,000 risk factors. The goal is to understand potential worst-case scenarios, quantify risks and opportunities, and determine the best course of action for clients. Reach out to Morgan Stanley for further assistance in navigating financial risks.
Learn more about the Portfolio Risk PlatformInternational Coverage
Our Miami-based office proudly serves clients from all over the world, particularly in Latin America, the Caribbean, and Europe. If you do not see your country, state, or territory shaded on the map, let us know, and we will happily inquire about eligibility.
Part of a global financial legacy that dates back over 150 years, Morgan Stanley is one of the few truly global institutions with the scale, scope and commitment to serve the international investor. We serve among the world’s most capitalized institutions, and stand as one of the largest wealth management firms in the world.
Morgan Stanley International Wealth Management (IWM) harnesses the extensive capabilities of the firm to serve investors located outside the United States. Functioning as a specialized group within Morgan Stanley, IWM is staffed by specially trained International Client Advisors and managers who understand your wealth management needs. Our International Client Advisors are familiar with the investment challenges and opportunities that are unique to your part of the world, and can recommend highly customized strategies to help you address your specific goals.
Part of a global financial legacy that dates back over 150 years, Morgan Stanley is one of the few truly global institutions with the scale, scope and commitment to serve the international investor. We serve among the world’s most capitalized institutions, and stand as one of the largest wealth management firms in the world.
Morgan Stanley International Wealth Management (IWM) harnesses the extensive capabilities of the firm to serve investors located outside the United States. Functioning as a specialized group within Morgan Stanley, IWM is staffed by specially trained International Client Advisors and managers who understand your wealth management needs. Our International Client Advisors are familiar with the investment challenges and opportunities that are unique to your part of the world, and can recommend highly customized strategies to help you address your specific goals.
Working with You
Successful wealth management begins and ends with personalized service and attention to detail. We work with individuals and families who seek the long-term, fully-engaged relationships. Our experience, dedication, and passion for finance allow to help you pave your way to meeting your financial goals.
As International Client Advisors, our diverse backgrounds allow us to assist clients from all over the globe in managing their finances. We recognize the importance of being globally aware and are proud to be able to conduct business with our clients in English, Spanish, and Portuguese.
As International Client Advisors, our diverse backgrounds allow us to assist clients from all over the globe in managing their finances. We recognize the importance of being globally aware and are proud to be able to conduct business with our clients in English, Spanish, and Portuguese.
Intellectual Capital
With decades of financial service experience, we have the skills, knowledge, and insights, coupled with the vast resources of Morgan Stanley to help bridge the gap between the real world challenges you face and the investment world that drives financial decisions.
Highly Personalized Care
We understand benefits of being consistently selective and paying close attention to the details. Many of the great things in life require careful planning and diligent work. We strive to find the best possible solutions for our clients. Long standing relationships are the cornerstone of our practice.
Consistent and Direct Approach
We build a tailored strategy around the financial needs, risk tolerance, and goals of our clients by providing consistent attention and concern for the details in our clients' lives. We take time to thoroughly understand your unique financial circumstances, and tailor your particular investment strategy to meet your short and long term goals.
Loyalty and Commitment
We take genuine interest in the well-being of our clients. We go beyond simply being a service provider to being a holistic advisor. We pride ourselves on building loyalty and trust with our clients by helping them navigate the ever-changing financial markets so they can worry less about the stresses of finance and enjoy the important moments in their lives.
Location
200 S Biscayne Blvd
Ste 1300
Miami, FL 33131
US
Direct:
(305) 376-8520(305) 376-8520
Toll-Free:
(800) 327-0273(800) 327-0273
Meet Garcia Morillo Querasian Nino Group
Priscila Querasian
Senior Vice President, International Client Advisor, Alternative Investments Director
Phone:
(305) 533-1712(305) 533-1712
Astrid Nino
Senior Vice President, International Client Advisor, Alternative Investments Director
Phone:
(305) 376-8561(305) 376-8561
Renata Cavalcanti
Client Service Associate
Phone:
(305) 376-8513(305) 376-8513
Christian Horcel
Business Development Director, Wealth Management
Phone:
(305) 376-8520(305) 376-8520
Nicolas Jurado
Registered Client Service Associate
Phone:
(305) 533-1707(305) 533-1707
About Fernando Garcia Morillo
Fernando Garcia Morillo
Senior VP Wealth Management, Sports & Entertainment Director
Prior to MS worked for 4 years in Banco Frances in Buenos Aires and has been at Morgan Stanley since 1992
Education: Business Administration - Universidad de Belgrano – Buenos Aires
Senior VP Wealth Management, Sports & Entertainment Director
Prior to MS worked for 4 years in Banco Frances in Buenos Aires and has been at Morgan Stanley since 1992
Education: Business Administration - Universidad de Belgrano – Buenos Aires
Securities Agent: NJ, TX, GA, WY, VI, SD, PA, NY, NC, MN, KS, FL, DE, CT, CO, CA, MA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
About Priscila Querasian
Priscila E. Querasian, CIMA
Senior Vice President, Alternative Investments Director
Named to the 2025 Forbes Top Women Wealth Advisors Best-In-State ranking
Source: Forbes.com (Awarded Feb 2025) Data compiled by SHOOK Research LLC for the period 9/30/23-9/30/24
Priscila, a Certified Portfolio Manager through Columbia University and a Certified Investment Management Analyst has been with Morgan Stanley since 1999.
Priscila introduced Wealth Management and Advisory capabilities to the team’s practice and focuses in providing High Net Worth and International Clients with comprehensive solutions and focuses on Alternative Investments capabilities.
Prior to joining Morgan Stanley Priscila worked for 5 years in Banco BBM in Rio de Janeiro.
Priscila attended Pontificia Universidade Catolica - Rio de Janeiro, where she received her BS in Economics.
Senior Vice President, Alternative Investments Director
Named to the 2025 Forbes Top Women Wealth Advisors Best-In-State ranking
Source: Forbes.com (Awarded Feb 2025) Data compiled by SHOOK Research LLC for the period 9/30/23-9/30/24
Priscila, a Certified Portfolio Manager through Columbia University and a Certified Investment Management Analyst has been with Morgan Stanley since 1999.
Priscila introduced Wealth Management and Advisory capabilities to the team’s practice and focuses in providing High Net Worth and International Clients with comprehensive solutions and focuses on Alternative Investments capabilities.
Prior to joining Morgan Stanley Priscila worked for 5 years in Banco BBM in Rio de Janeiro.
Priscila attended Pontificia Universidade Catolica - Rio de Janeiro, where she received her BS in Economics.
Securities Agent: CA, CO, CT, DE, FL, KS, MN, NC, NJ, NY, PA, SD, TX, VI, WY, GA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1295590
NMLS#: 1295590
About Astrid Nino
Astrid Nino
Astrid is a Senior Vice President and Alternative Investments Director at Morgan Stanley, where she has been advising clients since 2011. As a Financial Advisor, International Client Advisor, Portfolio Manager and Financial Planning Specialist with an Insurance License, she delivers comprehensive wealth management solutions for high-net-worth individuals and families across domestic and international markets.
Previously Astrid was an Executive Recruiter with two leading Search Firms. She was a Principal with CTPartners, and an Associate Principal with Heidrick & Struggles. Early in her career, she was a Management Consultant with two premier consulting firms: A.T. Kearney and Accenture.
Astrid holds an MBA from The Wharton School, University of Pennsylvania and a BS in Business Administration from Boston University.
Astrid is a Senior Vice President and Alternative Investments Director at Morgan Stanley, where she has been advising clients since 2011. As a Financial Advisor, International Client Advisor, Portfolio Manager and Financial Planning Specialist with an Insurance License, she delivers comprehensive wealth management solutions for high-net-worth individuals and families across domestic and international markets.
Previously Astrid was an Executive Recruiter with two leading Search Firms. She was a Principal with CTPartners, and an Associate Principal with Heidrick & Struggles. Early in her career, she was a Management Consultant with two premier consulting firms: A.T. Kearney and Accenture.
Astrid holds an MBA from The Wharton School, University of Pennsylvania and a BS in Business Administration from Boston University.
Securities Agent: WY, PA, MN, KS, CO, NJ, NY, TX, DE, CT, CA, NC, GA, VI, FL, DC, SD; General Securities Representative; Investment Advisor Representative
NMLS#: 1316490
NMLS#: 1316490
About Renata Cavalcanti
Professional Details
BA Business Administration - Florida International University 2007
BA Business Administration - Florida International University 2007
About Christian Horcel
Professional Details
BA - Business Administration, 1993
BA - Accounting, 1993
University of Kansas
2006 - present: Morgan Stanley*
2004 - 2006: Banco Bilbao Vizcaya
Private Bank
2000 - 2004: BankBoston International
Private Bank
1998 - 2000: Hencorp Becstone Futures
Series 3 - National Commodity Futures
Series 7 - General Securities Representative
Series 66 - Combined Investment Advisory Agent & Uniform State Exam
BA - Business Administration, 1993
BA - Accounting, 1993
University of Kansas
2006 - present: Morgan Stanley*
2004 - 2006: Banco Bilbao Vizcaya
Private Bank
2000 - 2004: BankBoston International
Private Bank
1998 - 2000: Hencorp Becstone Futures
Series 3 - National Commodity Futures
Series 7 - General Securities Representative
Series 66 - Combined Investment Advisory Agent & Uniform State Exam
About Nicolas Jurado
Professional Details
BE - Chemical Engineering, Universidad de Guayaquil, Ecuador
ME - Engineering Management, Stevens Institute of Technology, Hoboken, NJ
MS - Financial Engineering, Stevens Institute of technology, Hoboken, NJ
Series 7 - General Securities Representative
Series 66 - Combined Investment Advisory Agent & Uniform State Exam
BE - Chemical Engineering, Universidad de Guayaquil, Ecuador
ME - Engineering Management, Stevens Institute of Technology, Hoboken, NJ
MS - Financial Engineering, Stevens Institute of technology, Hoboken, NJ
Series 7 - General Securities Representative
Series 66 - Combined Investment Advisory Agent & Uniform State Exam
Contact Fernando Garcia Morillo
Contact Priscila Querasian
Contact Astrid Nino
Wealth Management
Global Investment Office
Portfolio Insights
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
The Robots are Coming
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
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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
Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
- Wealth Transfer & Philanthropy
- Private Banking Solutions
- Family Governance & Wealth Education
- Lifestyle Advisory
Ready to start a conversation? Contact Garcia Morillo Querasian Nino Group today.
1Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
3Investors 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.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6GlobalCurrency is available to clients of Morgan Stanley Smith Barney LLC with an eligible brokerage account. Before undertaking foreign exchange transactions, clients should understand the associated risks.
Engaging in foreign currency transactions entails more varied risks than normally associated with transactions in the domestic securities markets. Attention should be paid to market, credit, sovereign, and liquidity risks. The foreign exchange transactions and deposits discussed in this material may not be appropriate for all clients. The appropriateness of a particular investment or strategy depends upon a client’s particular circumstances and objectives. This material does not provide individually tailored investment advice.
7Investing in futures and options on futures contracts entails significant risks. Prices of futures and options on futures contracts may be affected by a variety of factors at any time, including but not limited to, (i) changes in supply and demand relationships, (ii) governmental programs and policies, (iii) national and international political and economic events, war and terrorist events, (iv) changes in interest and exchange rates, (v) trading activities in the underlying assets or commodities and related contracts, (vi) pestilence, technological change and weather and (vii) the price volatility of a commodity or asset. In addition, the futures markets may be subject to temporary distortions or other disruptions due to various factors, including lack of liquidity, participation of speculators and government intervention.
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.
9The 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.
10Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
11Investors 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.
12Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Investing in commodities entails significant risks. The commodities markets may fluctuate widely based on a variety of factors including changes in supply and demand relationships; governmental programs and policies; national and international political and economic events; war and terrorist events; changes in interest and exchange rates; trading activities in commodities and related contracts; pestilence; weather; technological change; and, the price volatility of a commodity. In addition, the commodities markets are subject to temporary distortions or other disruptions due to various factors, including lack of liquidity, participation of speculators and government intervention.
14Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
15Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
3Investors 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.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
6GlobalCurrency is available to clients of Morgan Stanley Smith Barney LLC with an eligible brokerage account. Before undertaking foreign exchange transactions, clients should understand the associated risks.
Engaging in foreign currency transactions entails more varied risks than normally associated with transactions in the domestic securities markets. Attention should be paid to market, credit, sovereign, and liquidity risks. The foreign exchange transactions and deposits discussed in this material may not be appropriate for all clients. The appropriateness of a particular investment or strategy depends upon a client’s particular circumstances and objectives. This material does not provide individually tailored investment advice.
7Investing in futures and options on futures contracts entails significant risks. Prices of futures and options on futures contracts may be affected by a variety of factors at any time, including but not limited to, (i) changes in supply and demand relationships, (ii) governmental programs and policies, (iii) national and international political and economic events, war and terrorist events, (iv) changes in interest and exchange rates, (v) trading activities in the underlying assets or commodities and related contracts, (vi) pestilence, technological change and weather and (vii) the price volatility of a commodity or asset. In addition, the futures markets may be subject to temporary distortions or other disruptions due to various factors, including lack of liquidity, participation of speculators and government intervention.
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.
9The 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.
10Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
11Investors 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.
12Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Investing in commodities entails significant risks. The commodities markets may fluctuate widely based on a variety of factors including changes in supply and demand relationships; governmental programs and policies; national and international political and economic events; war and terrorist events; changes in interest and exchange rates; trading activities in commodities and related contracts; pestilence; weather; technological change; and, the price volatility of a commodity. In addition, the commodities markets are subject to temporary distortions or other disruptions due to various factors, including lack of liquidity, participation of speculators and government intervention.
14Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
15Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
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Awards Disclosures
CRC 6491812 (04/2024)
