Jeffrey Gembis, CIMA®, CRPC®
Managing Director, Wealth Management, Financial Advisor
Phone:
(248) 723-1501(248) 723-1501
GCC Group at Morgan Stanley
Direct:
(248) 723-1801(248) 723-1801
Toll-Free:
(833) 948-2115(833) 948-2115
Industry Award WinnerOur Mission Statement
Our relationship with you begins with a deep understanding of your life’s priorities. This journey is about focusing on what truly matters to you. Together, we’ll craft a tailored plan centered around your goals and aspirations.
Our Story and Services
Our approach centers on involving you fully in planning for your financial future. We begin our relationship by understanding your unique investment style, allowing us to identify and prioritize goals that matter most to you. With this insight, we can craft a tailored strategy to help maximize your financial resources and align with your vision for the future.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
Our clients look to us for advice that includes their investments but goes far beyond to encompass business planning, investment management, lending strategies and other dimensions of their financial lives. That is why we employ a comprehensive financial planning approach that consists of the following steps:
Step 1: Initial Call
An Initial Call in which we’ll discuss what you hope to get from a relationship with us. We’ll ask you about your previous experiences with Financial Advisors or on your own. And we’ll discuss what you perceive to be your major objectives and potential obstacles to achieving them.
Step 2: Discovery Meeting
A Discovery Meeting in which we will take inventory of your finances and what you want your wealth to accomplish. We’ll identify your goals, attempt to quantify their cost, and determine whether you have the resources to help achieve them within your required timeframe.
Step 3: Plan Presentation
A Plan Presentation Meeting in which we’ll present your financial plan and the strategies it suggests for filling any gaps between your goals and resources. Your plan will contain an asset allocation based on the size of those gaps and your risk tolerance.
Step 4: Plan Implementation
Plan Implementation that involves bringing your plan to life. This may entail additional consultation with Morgan Stanley professionals who focus on business planning, lending strategies and other disciplines relevant to your situation. It will also involve the development of a personalized investment strategy.
Step 5: Ongoing Evaluation
Ongoing Evaluation to help us determine whether you are proceeding toward your financial destination as anticipated. We monitor your performance on an ongoing basis and may alter our strategies to help accommodate changing circumstances in your life or trends in the financial markets.
Next Steps
If this sounds like what you need to help gain confidence in your financial life and you’re ready to explore what that could look like, let’s schedule a time for a 30-minute connection conversation.
Disclosure
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
WHO WE SERVE
We take pride in building long-term relationships with our clients, as well as maintaining an exceptional level of professionalism. We give our clients the confidence they need to help navigate a challenging financial world through personalized service, transparency, and a perspective.
Retirees & Pre-Retirees
Whether you're planning for retirement, looking to turn your savings into income as you transition into retirement, or are seeking to make your nest egg last, we are here to consult you on all your financial needs.
Business Owners
Helping business owners with key strategic needs such as access to capital, plan administration and a variety of exit strategies.
Multi-Generational Legacy Planning
Our team is dedicated to helping you build a lasting legacy that aligns with your family’s unique values and vision. Through thoughtful, multigenerational planning, we work to support the continuity of your goals across generations, preserving what matters most to you.
Family Office
Your family is unlike any other. We look forward to learning more about you and your family, and discussing how we can help you safeguard what you have earned and pursue your most important life goals. We deliver an exceptionally attentive level of service and dedicate ourselves to finding possible solutions to the challenges our clients face, even those challenges that fall well outside the traditional role of wealth managers.
Ultra-High Net Worth Families
We have experience working with high-net-worth individuals and families, providing comprehensive wealth management services -- including investment management, risk management, tax planning and estate planning strategies -- tailored to help meet the unique goals and needs of you and your family.
Corporate Executives
Custom tailored advice and strategies to help you manage your unique financial needs, including executive compensation, wealth preservation, and retirement planning.
Disclosures
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. 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.
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Tax-Efficient Strategies
Here at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We want to provide our clients with as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
Tax-Aware Investing
Factoring the impact of taxes into your investment decisions can help you keep more of your hard-earned money, both now and in the future.
Read More Here
5 Steps for Investors to Consider
As your finances grow, taxation can become more complicated. Look at these ideas for all-year tax information.
See the Steps Here
2025 Tax Tables
If you are interested in seeing the updated tax tables and other details for 2025, see all additional information here.
View the 2025 Tax Tables Here
Tax-Smart Strategies for Retirement
Looking for ideas on how to be more tax efficient when planning for your retirement?
Read More Here
Tax 360 Brochure
Tax management that is integrated into your investment process 365 days a year can be an essential part of growing your wealth. That's why we offer access to a broad range of tax solutions to help you maximize your after-tax wealth.
Learn More Here
How to Access Your Tax Forms
1. Log into you account via Morgan Stanley Online
2. Click the Accounts tab
3. Select the Documents tab
4. Go to the Statement drop-down tab
5. Select Tax Documents and download them
Click Here to Log In to Morgan Stanley Online2. Click the Accounts tab
3. Select the Documents tab
4. Go to the Statement drop-down tab
5. Select Tax Documents and download them
Client Events
Financial freedom begins with a strong foundation of knowledge. We believe helping our clients stay informed is a core responsibility of our practice. Below you will find events, both in person and online, that may be relevant to your financial situation. If you would like to discuss any of these events, please reach out to our team.
Wealth Education for the Next Generation: Navigating Insurance
Understanding insurance is a crucial step in securing your financial future. In this session, you'll learn about the different types of insurance available, how to evaluate your personal needs, and make informed decisions to ensure you are adequately protected.
Monday, September 8th | 4:00 p.m. – 5:00 p.m. ET
Wealth Education for the Next Generation: Cybersecurity (Social Media Habits)
Protecting your personal information online is more important than ever. Join us to discover essential cybersecurity practices and develop responsible social media habits that will help safeguard your digital presence in today's interconnected world.
Monday, October 6th | 4:00 PM – 5:00 PM EST
Wealth Education for the Next Generation: Giving Back - The Joy of Philanthropy and Social Impact
Discover the fulfilling world of philanthropy and social impact. This session will guide you in identifying causes that matter to you and explore ways to contribute meaningfully, fostering a lifelong commitment to making a positive difference in society.
Monday, November 3rd | 4:00 p.m. – 5:00 p.m. ET
Wealth Education for the Next Generation: Thinking about Family Legacy - Understanding Family Governance
Becoming an effective steward for your family legacy starts with wealth education. Join us to discuss what family governance is and explore common strategies and structures for families.
Monday, December 1st | 4:00 p.m. – 5:00 p.m. ET
Wealth Education for the Next Generation: Access 2025 Replays
View the videos from our previous sessions this year.
Location
40701 Woodward Ave
Ste 200
Bloomfield Hills, MI 48304
US
Direct:
(248) 723-1801(248) 723-1801
Toll-Free:
(833) 948-2115(833) 948-2115
Fax:
(248) 462-7526(248) 462-7526
Meet GCC Group
Joseph Carter, CRPC®, QPFC
Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(248) 723-1844(248) 723-1844
Henry Gembis, CFP®
Vice President, Financial Advisor
Phone:
(248) 723-7822(248) 723-7822
Matt Dzieciolowski
Financial Advisor, Financial Planning Specialist
Phone:
(248) 723-1851(248) 723-1851
Michelle Bisio
Assistant Vice President, Wealth Management Associate
Phone:
(248) 723-1884(248) 723-1884
Christina Gaitley
Assistant Vice President, Wealth Management Associate
Phone:
(248) 723-1886(248) 723-1886
Amanda DeVeaux
Wealth Management Associate
Phone:
(248) 723-1852(248) 723-1852
Leslie Robison, CRPC®
Vice President, Group Director
Phone:
(248) 723-5319(248) 723-5319
About Me
An experienced professional, Jeff provides strategic vision and investment policy and delivers it to clients within the goals-based wealth management process. For over four decades, Jeff has been helping clients with the creation, preservation and management of their wealth through a variety of market cycles and often challenging economic conditions.
Jeff has earned and maintained the Certified Investment Management Analyst® (CIMA®) designation sponsored by the Investments and Wealth Institute™ (formerly IMCA) at the Wharton School. Jeff also holds the Chartered Retirement Planning Counselor™ designation awarded by the College for Financial Planning Institutes Corp.
A Michigan native and Michigan State University alumnus, Jeff and his wife, Melissa, have three grown children. He is a member of the Detroit Athletic Club, and Wawashkamo Golf Club on Mackinac Island. In his time away from the business, Jeff enjoys squash, golf and many other sports and spending time with his family.
Jeff has earned and maintained the Certified Investment Management Analyst® (CIMA®) designation sponsored by the Investments and Wealth Institute™ (formerly IMCA) at the Wharton School. Jeff also holds the Chartered Retirement Planning Counselor™ designation awarded by the College for Financial Planning Institutes Corp.
A Michigan native and Michigan State University alumnus, Jeff and his wife, Melissa, have three grown children. He is a member of the Detroit Athletic Club, and Wawashkamo Golf Club on Mackinac Island. In his time away from the business, Jeff enjoys squash, golf and many other sports and spending time with his family.
Securities Agent: MN, NJ, ID, KY, GA, TX, NC, HI, AZ, WY, LA, FL, WV, VA, OH, MS, CT, WI, MI, KS, WA, DC, CO, SC, NY, MD, MA, IN, IL, PA, CA, TN, NV, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 535199
NMLS#: 535199
About Me
Joe takes pride in his detail-oriented approach in understanding client goals and designing strategies to help fulfill them. He is a graduate of Western Michigan University with a degree in Finance and emphasis on Securities Analysis. In addition to his financial education, Joe holds the Chartered Retirement Planning Counselor designation awarded by the College for Financial Planning Institutes Corp. Joe is a qualified Senior Portfolio Manager for the team who, in addition to providing traditional advice and guidance, can help clients pursue their objectives by managing on a discretionary basis his own personalized or defined strategies, which may incorporate individual stocks and bonds, model portfolios, and third-party investment strategies.
Securities Agent: VA, NY, MI, ID, MD, MA, KY, CA, WY, WI, IN, CO, OH, NC, LA, IL, TX, TN, NV, MN, CT, SC, NJ, FL, DC, WA, HI, AZ, WV, MS, KS, DE, PA, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 534289
NMLS#: 534289
About Me
Using a goals-based approach to wealth management, Henry works to assist clients with establishing and achieving their financial goals. Henry is committed to accommodating the unique financial needs of each client. Henry guides and assists clients whenever their needs evolve. He holds the CERTIFIED FINANCIAL PLANNER® certification.
Henry is a graduate of James Madison College at Michigan State University. Born and raised in southeast Michigan; Henry, his wife Margaret and son Douglas live in Birmingham, Michigan. Henry enjoys playing golf, hockey and spending time with his family and friends.
Henry is a graduate of James Madison College at Michigan State University. Born and raised in southeast Michigan; Henry, his wife Margaret and son Douglas live in Birmingham, Michigan. Henry enjoys playing golf, hockey and spending time with his family and friends.
Securities Agent: IN, TX, LA, KS, WA, NV, HI, NY, ID, CT, CO, CA, AZ, WY, VA, OH, NC, MN, FL, MI, MA, GA, DC, PA, WV, MD, IL, TN, SC, DE, WI, NJ, MS; General Securities Representative; Investment Advisor Representative
NMLS#: 1662301
NMLS#: 1662301
About Matt Dzieciolowski
Matt Dzieciolowski is a dynamic addition to the GCC Group at Morgan Stanley. With a passion for helping people thrive, Matt brings a personal and energetic approach to financial planning—always aiming to help clients reconnect with what matters most and feel confident about their future.
After a successful run in the medical field supporting physicians in the clinic and the OR, Matt realized that his knack was always in the numbers. That insight led him to pivot into financial services, teaming up with longtime friend and dedicated financial advisor Joe Carter, along with Financial Advisor partners Jeffrey Gembis and Henry Gembis. Today, he’s all-in on helping clients build strong financial foundations through open communication, clarity, and customized strategies tailored to help clients in each stage of life.
Matt lives in Rochester Hills with his wife and three kids, where they are actively involved in their church and the Holy Family community. When he's not coaching youth sports or cheering from the sidelines, he and his family love heading to Florida and rooting for Detroit’s sports teams—win or lose.
After a successful run in the medical field supporting physicians in the clinic and the OR, Matt realized that his knack was always in the numbers. That insight led him to pivot into financial services, teaming up with longtime friend and dedicated financial advisor Joe Carter, along with Financial Advisor partners Jeffrey Gembis and Henry Gembis. Today, he’s all-in on helping clients build strong financial foundations through open communication, clarity, and customized strategies tailored to help clients in each stage of life.
Matt lives in Rochester Hills with his wife and three kids, where they are actively involved in their church and the Holy Family community. When he's not coaching youth sports or cheering from the sidelines, he and his family love heading to Florida and rooting for Detroit’s sports teams—win or lose.
Securities Agent: IN, GA, WY, HI, IL, DC, AZ, WI, SC, PA, MD, KY, NV, NC, LA, DE, CA, WV, TX, OH, TN, ID, NJ, MN, MA, CO, MI, KS, CT, WA, VA, MS, FL, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 2730530
NMLS#: 2730530
About Michelle Bisio
Michelle is dedicated to enhancing the client experience by providing exemplary, attentive service. Michelle handles all administrative aspects of our relationships, from establishing new accounts to servicing the existing relationship. She works to simplify client’s financial lives by integrating the breadth of investment and banking services available at Morgan Stanley.
When not delivering exemplary service to clients, Michelle enjoys spending time with family and supporting the Michigan State University Spartans. She and her husband Drew reside in Rochester Hills and have three children; Michael, Allison and Benjamin.
When not delivering exemplary service to clients, Michelle enjoys spending time with family and supporting the Michigan State University Spartans. She and her husband Drew reside in Rochester Hills and have three children; Michael, Allison and Benjamin.
About Christina Gaitley
Chris is committed to utilizing the breadth of our firm’s capabilities to provide outstanding, personalized service to our new and existing client relationships. In addition, she is a recognized leader, coach and mentor to client associates across our firm.
In her personal time, Chris is an active volunteer with efforts serving under-resourced families in the Detroit area. When home, she enjoys bike riding, reading, and spending time with her family. She and her husband Dave live with their two dogs in Grosse Pointe and have three adult daughters: Jenn, Erica and Cait.
In her personal time, Chris is an active volunteer with efforts serving under-resourced families in the Detroit area. When home, she enjoys bike riding, reading, and spending time with her family. She and her husband Dave live with their two dogs in Grosse Pointe and have three adult daughters: Jenn, Erica and Cait.
About Amanda DeVeaux
Amanda joined our team as a Wealth Management Associate in 2025. She is devoted to developing deep relationships with our clients to deliver personalized and efficient service. Amanda enjoys being able to assist clients throughout all their life events. She has been with Morgan Stanley since 2023 and has worked in the financial industry since 2014. She currently holds the General Securities Representatives License (Series 7), the Uniform Combined State Law License (Series 66) and the Life, Accident & Health Insurance License.
Amanda studied Communication at Saginaw Valley State University. Originally from Clinton Township, she now resides in Harper Woods. She is active in her community and serves as Program Chair for the Grosse Pointe Rotary Club.
Amanda studied Communication at Saginaw Valley State University. Originally from Clinton Township, she now resides in Harper Woods. She is active in her community and serves as Program Chair for the Grosse Pointe Rotary Club.
About Leslie Robison
Leslie is attuned to client priorities and looks to anticipate and address client needs. Leslie also is an integral member of the team and streamlines the team’s internal administration. Leslie takes tremendous satisfaction in helping clients pursue their goals. She prides herself on responsiveness and timeliness.
Leslie is a graduate of Central Michigan University. She and her husband, Jonathan, have two adult children and live in West Bloomfield, Michigan.
Leslie is a graduate of Central Michigan University. She and her husband, Jonathan, have two adult children and live in West Bloomfield, Michigan.
Contact Jeffrey Gembis
Contact Joseph Carter
Contact Henry Gembis
Contact Matt Dzieciolowski
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2023-2024 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Forbes Best-In-State Wealth Advisors
2021-2024 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2021-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2
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
A Simple Six-Step Retirement Checkup
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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
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact GCC Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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 (“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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
5Morgan Stanley Smith Barney LLC 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
6Morgan 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.
7Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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
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 (“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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
5Morgan Stanley Smith Barney LLC 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
6Morgan 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.
7Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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)
