Executive Director, Financial Advisor, Senior Portfolio Management Director, Alternative Investments Director
Phone:
(703) 739-3681(703) 739-3681
Carlyle Planning Group at Morgan Stanley
Direct:
(703) 549-8282(703) 549-8282
Toll-Free:
(800) 336-5405(800) 336-5405
Our Mission Statement
Committed to providing an accessible and holistic approach to your family's unique wealth management needs through comprehensive goals-based financial planning.
OUR STORY
Our clients choose to work with us because they want to simplify their finances. We create strategies that make your money work more efficiently. We at Carlyle Planning Group believe it is crucial to safeguard your decades of hard work, sacrifice, and savings. First class financial services can make a lasting, positive impact on your lifestyle and the legacy you leave behind. Having a disciplined and rational approach to investing can help remove the emotions that often times get in the way of sound thinking. Most of all, clients need to work with someone they can trust. These are the reasons we are so passionate about the work we do and the people we work with. With the resources of Morgan Stanley, a global leader in Wealth Management, the Carlyle Planning Group offers a customized boutique-like experience founded on a disciplined planning process. We believe in the efficiency of your capital and that no one should have to build wealth twice.
The QPFC credential – developed by some of the nation's leading advisors and retirement plan experts – demonstrates our team's knowledge, expertise and commitment to working with retirement plans. Plan advisors who earn their CPFA®/QPFC demonstrate the expertise required to act as a plan fiduciary or help plan fiduciaries manage their roles and responsibilities.
The QPFC credential – developed by some of the nation's leading advisors and retirement plan experts – demonstrates our team's knowledge, expertise and commitment to working with retirement plans. Plan advisors who earn their CPFA®/QPFC demonstrate the expertise required to act as a plan fiduciary or help plan fiduciaries manage their roles and responsibilities.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Steps to Better Understanding You
We believe the basis for a long-term relationship begins with taking the time necessary to understand what is most important to you. Our goals-based approach to comprehensive financial planning begins with a deep discovery process to develop an understanding of your current financial picture and your definition of financial peace of mind. The following information can help you understand how we work in partnership with our clients and work together to achieve your financial goals.
1. Initial Consultation
We begin with an informal conversation to understand your financial goals, values, concerns, and challenges to determine how we can add value. This conversation helps provide us with the ability to bridge your financial future with your current reality.
2. Summary of Findings
Upon review of the initial meeting, we begin discussing options and risks to evaluate your current profitability of success. We utilize proprietary financial planning tools to develop a tailored and detailed plan with recommendations to help you create and manage your wealth.
3. Implementing Your Financial Plan
In this step, we present appropriate strategies that are designed to work together to achieve your goals. We determine account options best for you at Morgan Stanley, considering the features and costs of each program. We conduct analysis of a myriad of factors including life insurance and long-term care needs, tax minimization strategies, portfolio management, estate planning techniques.
4. Ongoing Engagement
Committed to excellent service, we focus on developing a relationship that provides special value to you and your family. As we begin to execute each strategy, we set up tools so you have immediate access to your account information. Since markets and personal needs evolve with time, we maintain ongoing meetings to ensure your plan remains on schedule to achieve your goals.
We work closely with you to understand your needs while maintaining the focus and discipline necessary to guide your portfolio in the most challenging market cycles. Our disciplined investment process considers your values, risk tolerance, and liquidity needs to develop perspective about building and managing your wealth.
Asset Management
Helping clients define an investment strategy tailored to their goals, then guiding informed investment choices from among our expansive investment platform, including proprietary and third-party offerings across every market and asset class.
Impact Investing
Helping clients uncover investment opportunities in companies, organizations and funds focused on the goal of generating social and environmental change alongside a financial return.
Traditional Investments
Providing access to a diverse array of high-quality traditional investment options – including equities, fixed income, mutual funds, UITs, ETFs, separately managed accounts, annuities, closed-end funds and multi-asset programs.
Alternative Investments
Offering clients a diverse range of investment strategies that fall outside of the traditional, long-only purchase and sale of stocks and bonds such as funds of funds, private equity and managed futures.
Tax Efficient Management Process
Minimizing the impact of taxes on client portfolios to potentially boost their overall returns and help them build wealth over the long term with strategies like tax-loss harvesting and tax-aware asset location.
Investor Tools & Resources
Morgan Stanley strives to ensure it serves clients on its technology platforms that are resilient, safe, efficient, smart, fast, and flexible. Our comprehensive suite of digital tools are designed to help enhance various aspects of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance, including:
• Total Wealth View – Access streamlined views of your assets and liabilities, including mortgage information, aggregated from all of your financial institutions
• Current Financial News – access up-to-date news, current market data, research, company profiles, and quotes
• Access Import Documents – sign up for digital access to all of your financial documents
• Manage Everyday Finances – mobile check deposit, online bill pay, send money with Zelle, and e-authorizations
Morgan Stanley Online• Total Wealth View – Access streamlined views of your assets and liabilities, including mortgage information, aggregated from all of your financial institutions
• Current Financial News – access up-to-date news, current market data, research, company profiles, and quotes
• Access Import Documents – sign up for digital access to all of your financial documents
• Manage Everyday Finances – mobile check deposit, online bill pay, send money with Zelle, and e-authorizations
Total Wealth View
Unique situations require unique solutions; to understand your financial picture entirely, Morgan Stanley now conveniently allows you to view your accounts from other financial institutions on Morgan Stanley Online or by using the Morgan Stanley Mobile App. The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Learn More and Enroll in Total Wealth View
LifeView®
LifeView® is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual's financial life, including investments and cash management needs. Read more about the advantages of working with our planning technology in reaching your financial goals.
Learn More About LifeView®
eSign
eSign is a digital alternative to providing a signature. To begin using eSign, all you need is a valid email address and phone number.
Learn More About eSign
2024 Tax Tables
In 2023, the income limits for all tax brackets and all filers will be adjusted for inflation and will be as depicted.
View 2024 Tax TablesAdditional Sources of Return
For the right type of investor, alternatives can create an innovative asset allocation that opens the door to an optimal portfolio. Alternative investments can seem mystifying; we at Genesis Planning Group provide these resources because we believe client education enables quality investment decisions.
Private Equity
What is Private Equity?
Exchange Funds
What are Exchange Funds?
1031 Exchanges
What are 1031 Exchanges?
Private Credit
What is Private Credit?
Structured Investments
What are Structured Investments?
Private Real Estate
What is Private Real Estate?Location
333 John Carlyle St
Suite 650
Alexandria, VA 22314
US
Direct:
(703) 549-8282(703) 549-8282
Toll-Free:
(800) 336-5405(800) 336-5405
Meet Carlyle Planning Group
Phone:
(703) 739-3695(703) 739-3695
Phone:
(703) 535-8367(703) 535-8367
Phone:
(703) 535-8369(703) 535-8369
Casie Furst
Senior Client Service Associate
Phone:
(703) 739-3665(703) 739-3665
About Jeff Seibel
Jeff Seibel's path to success began at West Virginia University where he obtained his degree in Finance. He began his career at DMG Securities and joined Morgan Stanley shortly thereafter. In his tenure at the firm, Jeff has earned the title of Financial Advisor, Alternatives Investments Director, Senior Portfolio Manager, and Senior Vice President. Jeff's expertise draws from over two decades of experience servicing a range of institutional and retail clients.
Jeff grew up in Pittsburgh, PA before relocating to Alexandria where he lives with his wife, 2 children, and their cats and dogs. Outside of the Genesis Planning Group office, you'll likely find Jeff golfing, running, gardening, or watching his children play sports.
Jeff grew up in Pittsburgh, PA before relocating to Alexandria where he lives with his wife, 2 children, and their cats and dogs. Outside of the Genesis Planning Group office, you'll likely find Jeff golfing, running, gardening, or watching his children play sports.
Securities Agent: CT, AR, AZ, MD, MS, NJ, WV, NC, VA, NM, MN, CA, UT, OK, RI, SC, MI, MA, DE, KY, AL, NE, FL, NV, NY, PA, WA, WI, MT, MO, TN, DC, SD, IL, GA, CO, TX, OR, OH, ME, LA, KS, IN; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1316514
NMLS#: 1316514
About Kevin Sullivan
Kevin Sullivan joined the Carlyle Planning Group as a Senior Registered Associate in 2018 prior to becoming a Financial Advisor. He was first introduced to the financial industry in 2008 working for Neuberger Berman in New York City as a Registered Associate and then Senior Investment Guideline Analyst. Kevin went on to join Morgan Stanley Investment Management as an Internal Wholesaler associate before moving to Virginia and joining Morgan Stanley Wealth Management.
Kevin grew up in Spring Valley, NY where he discovered his passion for sports. He went on to play Division I football and basketball for LaSalle University and obtained his Bachelors of Science in Business Administration, with a finance concentration. He and his beautiful wife currently reside in Lorton, VA with their son and daughter. Kevin enjoys working out, reading, and spending time with his loved ones.
Kevin grew up in Spring Valley, NY where he discovered his passion for sports. He went on to play Division I football and basketball for LaSalle University and obtained his Bachelors of Science in Business Administration, with a finance concentration. He and his beautiful wife currently reside in Lorton, VA with their son and daughter. Kevin enjoys working out, reading, and spending time with his loved ones.
Securities Agent: WV, TX, SD, NM, ME, NE, AR, GA, WI, SC, NY, NV, LA, IN, CA, KS, MD, RI, MT, KY, DE, MA, MI, NJ, OH, WA, VA, MS, MN, IL, FL, NC, UT, CO, AZ, AL, MO, OK, VT, CT, DC, OR, PA, TN; General Securities Principal; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2355790
NMLS#: 2355790
About Gianni Giordano
Starting in 1998, Gianni Giordano has 25 years of experience working in the financial services industry. Gianni’s reason for becoming a financial advisor was a simple one; he enjoys working with and helping people. His passion lies in helping his clients reach investment and retirement goals that they have set forth. Gianni got into the business to help others achieve things they thought they cannot achieve. Helping his clients navigate through obstacles to realize these goals gives him great satisfaction, driving his passion for the business.
The John Carlyle group has a holistic approach when it comes to investing. Each member of the team brings a different talent to the group. This is pivotal as they plan for each client or potential prospect. During the planning phase, each team member has their own thoughts and input on how to best move forward. Gianni’s favorite part about the business is consulting with prospects. He very much enjoys learning about their financial situation, and brainstorming how the team can help make their goals a reality.
Gianni is a graduate of Wheeling Jesuit College, where he received a Bachelor of Science in Psychology. He was also a 4 year scholarship member of the men’s soccer program.
Outside of work, Gianni is a very involved member of his community, coaching a number of sports teams. At a very young age, he had an influential coach. This coach taught him not only the game of soccer, but as he grew older, also about life through the game. It is Gianni’s hope that he is able to do the same for young kids since it had such a profound effect on his life and who is today.
Gianni has been married to his wife Lisa for over 10 years. They have an 8 year old son Braden, as well as two cats Ashley and Allie. Family is everything to him and he could not imagine his life without them. Gianni is an avid golfer. He also enjoys fishing, skiing and helping coach all of Braden’s outdoor sports.
The John Carlyle group has a holistic approach when it comes to investing. Each member of the team brings a different talent to the group. This is pivotal as they plan for each client or potential prospect. During the planning phase, each team member has their own thoughts and input on how to best move forward. Gianni’s favorite part about the business is consulting with prospects. He very much enjoys learning about their financial situation, and brainstorming how the team can help make their goals a reality.
Gianni is a graduate of Wheeling Jesuit College, where he received a Bachelor of Science in Psychology. He was also a 4 year scholarship member of the men’s soccer program.
Outside of work, Gianni is a very involved member of his community, coaching a number of sports teams. At a very young age, he had an influential coach. This coach taught him not only the game of soccer, but as he grew older, also about life through the game. It is Gianni’s hope that he is able to do the same for young kids since it had such a profound effect on his life and who is today.
Gianni has been married to his wife Lisa for over 10 years. They have an 8 year old son Braden, as well as two cats Ashley and Allie. Family is everything to him and he could not imagine his life without them. Gianni is an avid golfer. He also enjoys fishing, skiing and helping coach all of Braden’s outdoor sports.
Securities Agent: AL, KS, VA, MO, IL, CO, SC, NY, OR, OH, NE, UT, TX, AZ, WV, OK, NM, MA, GA, WA, IN, DE, CT, CA, NJ, NC, KY, DC, PA, MD, FL, MI; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1576042
CA Insurance License #: 0I58523
NMLS#: 1576042
CA Insurance License #: 0I58523
About Patty Kennedy Penn
Starting in 1986, Patty Penn has over 36 years of experience working in the financial services industry. Patty has had numerous positions over the years. Starting with Dean Witter Reynolds, she was a receptionist and new accounts clerk. This is where she discovered her passion for interacting with clients. Patty then moved on to become a sales assistant. In this role, she became registered as well as studied to become a Certified Financial Planner, ultimately becoming the Branch Operations Manager. Patty then became a financial advisor so that she could more closely interact with clients.
Patty’s passion for being a financial advisor stems from her joy in helping her clients develop a financial plan that will carry them through all aspects of their life goals. She is a firm believer that having a meaningful financial plan is the cornerstone of successful investing. In her opinion, ongoing monitoring of your investments and making rebalancing decisions on a regular basis if the best way to achieve success.
Her service model is a simple one. Always be there for the client She genuinely cares about her clients and wants to help them achieve not only their own goals, but also their family’s goals.
Patty is a proud graduate of the University of North Carolina at Charlotte, where she graduated Cum Laude, majoring in Criminal Justice.
Outside of work, Patty is a very involved member of her community. She is a huge fan and supporter of the Animal Welfare League of Alexandria. She is also a member of the Smocking Arts Guild of America, as well as the Embroiders Guild of America. Patty has been happily married to her husband for 39 years. They have traveled the world and enjoy spending their free time together. Other interests of Patty include, making cards, sewing, embroidering, and quilting.
Patty’s passion for being a financial advisor stems from her joy in helping her clients develop a financial plan that will carry them through all aspects of their life goals. She is a firm believer that having a meaningful financial plan is the cornerstone of successful investing. In her opinion, ongoing monitoring of your investments and making rebalancing decisions on a regular basis if the best way to achieve success.
Her service model is a simple one. Always be there for the client She genuinely cares about her clients and wants to help them achieve not only their own goals, but also their family’s goals.
Patty is a proud graduate of the University of North Carolina at Charlotte, where she graduated Cum Laude, majoring in Criminal Justice.
Outside of work, Patty is a very involved member of her community. She is a huge fan and supporter of the Animal Welfare League of Alexandria. She is also a member of the Smocking Arts Guild of America, as well as the Embroiders Guild of America. Patty has been happily married to her husband for 39 years. They have traveled the world and enjoy spending their free time together. Other interests of Patty include, making cards, sewing, embroidering, and quilting.
Securities Agent: CO, PA, WI, TX, OH, WV, WA, AZ, SC, NY, NM, KS, IL, CA, AL, MD, VA, UT, OR, NJ, NE, NC, KY, ND, GA, OK, MO, MI, LA, IN, FL, DC, MA, DE; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1252918
NMLS#: 1252918
About Casie Furst
Casie joined the team in January of 2022 with over a decade of experience in the financial industry. Casie is passionate about helping others enjoy the security of award-winning financial planning and understanding the unique needs of Carlyle Planning Group clients.
Casie is a proud North Virginia native, having grown up in Lorton and currently living in Falls Church with her husband Nic and their cat, Sadie.
In addition to her career, Casie has a passion for yoga, choosing to share her practice with others as a yoga instructor since 2018. She values times spent with friends and family; Casie has flourished her professional skills with her personal life having volunteered with the Walk to End Alzheimer's in honor of her family and pursuit of being a life-long learner.
Casie is a proud North Virginia native, having grown up in Lorton and currently living in Falls Church with her husband Nic and their cat, Sadie.
In addition to her career, Casie has a passion for yoga, choosing to share her practice with others as a yoga instructor since 2018. She values times spent with friends and family; Casie has flourished her professional skills with her personal life having volunteered with the Walk to End Alzheimer's in honor of her family and pursuit of being a life-long learner.
Contact Jeff Seibel
Contact Kevin Sullivan
Contact Gianni Giordano
Contact Patty Kennedy Penn
Wealth Management
From Our Team
Why Choose A CFP Professional
Wealth Management
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Portfolio Insights
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Carlyle Planning 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.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Alternative 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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Alternative 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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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)
