Mona Salguero
Senior Registered Client Associate
Phone:
(954) 713-8481(954) 713-8481
George Salguero
Senior Vice President,
Financial Advisor
Direct:
(954) 713-8477(954) 713-8477
My Mission Statement
Understanding your life priorities is an important part of how I work with the clients I serve. It’s not just about markets and returns, it’s about what matters most to you. I welcome the opportunity to show you how we can work together to create a financial approach designed around you, your goals and your aspirations.
Welcome
George joined Morgan Stanley in 2023 after working at Merrill Lynch Wealth Management since 2014 - bringing with him the knowledge and experience he acquired since launching his financial services career in 1974 with Southeast Banking Corporation, now Wells Fargo, in Miami, Florida. Throughout his career, George has thrived on helping to guide clients on the path to their financial future. He enjoys the personal relationships he builds with these business owners, individuals, and families. George finds the most rewarding part of his job is helping them focus on a goal and working with them through the years to pursue it.
A veteran in the industry, George has served in leadership positions for various major financial firms and industry groups. From 1993 to 1998 he served on the board of governors of the Florida Securities Dealers Association. During that time George was a sponsor for the Stock Market Games, which is the Foundation for Investor Education’s program that simulates real-world investing for school children. George holds the FINRA Series 7, 63, and 65 registrations as well as the Life, Health & Variable Annuity Insurance licenses in California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Massachusetts, Michigan, Nevada, New Jersey, New York, Ohio, Oregon, Pennsylvania, Texas, Virginia and Wisconsin.
When not working, George likes spending time with his wife, Mona, four children and two dachshunds. He also enjoys hiking and traveling, as well as photography. George is an accomplished portrait photographer. George makes his home in Parkland, Florida along with his wife, Mona.
A veteran in the industry, George has served in leadership positions for various major financial firms and industry groups. From 1993 to 1998 he served on the board of governors of the Florida Securities Dealers Association. During that time George was a sponsor for the Stock Market Games, which is the Foundation for Investor Education’s program that simulates real-world investing for school children. George holds the FINRA Series 7, 63, and 65 registrations as well as the Life, Health & Variable Annuity Insurance licenses in California, Colorado, Connecticut, Florida, Georgia, Illinois, Indiana, Massachusetts, Michigan, Nevada, New Jersey, New York, Ohio, Oregon, Pennsylvania, Texas, Virginia and Wisconsin.
When not working, George likes spending time with his wife, Mona, four children and two dachshunds. He also enjoys hiking and traveling, as well as photography. George is an accomplished portrait photographer. George makes his home in Parkland, Florida along with his wife, Mona.
Securities Agent: KS, IN, IL, WI, OH, VT, SC, NY, MI, MD, MA, CO, NC, PA, OR, CA, VA, FL, TX, NV, NJ, CT, ME, GA, TN; General Securities Representative; Investment Advisor Representative
NMLS#: 1174532
NMLS#: 1174532
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
How Can I Help You?
You deserve advice and guidance that's grounded in knowledge and experience. As a financial advisor, I have worked with some of the highest quality firms in the securities industry since 1974. I draw on those decades as I help individuals and families manage their wealth. Over the course of my career, I have used my deep understanding of the markets to help clients throughout numerous economic and market cycles. Candor and open client dialog are the foundation of my work.
Clients can look to me for strategies in key areas of wealth management, including retirement income planning, estate planning services, insurance and annuity reviews and education funding strategies. I focus on growth and wealth preservation for clients as well as asset preservation, using fixed-income investments including municipal bonds, treasuries and corporate bonds. Generally, I use conservative strategies to help pursue clients' financial needs, many of whom are either in retirement or close to that phase in their life. My service is supported by the investment insights of Morgan Stanley.
My listening to you and understanding what is important in your life are crucial to your success, and mine. Armed with your financial goals and details, I can then customize a wealth management strategy designed specifically for your objectives, risk tolerance, time horizon and liquidity needs. It is through this thoughtful level of communication that I can understand what your needs are today and where you want to be tomorrow.
Committed to Simplifying Your Financial Life
My consultative process begins with an in-depth discussion of your current finances and future objectives. I'll address issues you may have overlooked that can have a significant impact on your ability to retire as you planned. If you're near or in retirement, I can help you reorganize your wealth to generate income. If retirement is still several years away, we can discuss other financial strategies to address your specific needs. Finally, I can adjust your strategy to accommodate changing conditions and income demands that may arise during retirement. When needed, I can work with your accountants and attorneys as we work toward pursuing the future you deserve.
My job is to help guide you through the sometimes-complex world of wealth management. I will help you clarify your objectives, understand your financial choices and define a strategy appropriate for your current needs and your future plans. I want you to enjoy the wealth that you currently have and to find paths that allow for continued asset growth. With prudent advice and guidance and personalized client service, I am committed to helping you stay focused and on track so that you can make the most of life today and look forward to what lies ahead.
Over the course of my career, I have used my deep understanding of the markets to help clients throughout numerous economic and market cycles. Candor and open client dialog are the foundation of my work.
Finding a Solution Unique to Your Needs
It is my goal to be each of my clients’ most trusted advisor when it comes to discussing their financial situation. As each client has unique set of needs, I work to provide a diverse set of solutions to guide each of my clients to the financial future they envision.
More than just your investments – I provide a holistic approach to wealth management that encompasses all aspects of your life. As your financial circumstances may change, I partner with you to create a flexible plan that is prepared for those changes.
More than just your investments – I provide a holistic approach to wealth management that encompasses all aspects of your life. As your financial circumstances may change, I partner with you to create a flexible plan that is prepared for those changes.
Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our cutting edge tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth Management
Retirement Planning
No matter where you are in your retirement journey – saving for retirement, enjoying retirement, or somewhere in between, I work with you to understand your goals through these critical years, and help to guide you on the path to the retirement that you envision.
Develop Your Retirement Roadmap
Trust and Estate Planning
Considering the impact of wealth on future generations is an important step in any financial plan. I work with you and your other trusted advisors to ensure that this is an important consideration in the discussion of growing and preserving your wealth.
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential, manage unrealized gains and help keep more of what you earn.
Learn MoreA Full Suite of Digital Tools and Resources
I strive to keep all my clients informed and updated with helpful resources from the firm. A collection of readings and information from Morgan Stanley's top thought leaders, as well as access to a full suite of Morgan Stanley digital tools can be found below.
The GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
On the Markets
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Security Center
Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance you own online security.
Location
350 East Las Olas Blvd
Ste 1500
Ft Lauderdale, FL 33301
US
Direct:
(954) 713-8477(954) 713-8477
Meet My Team
Daniel Abrahamsohn
Senior Registered Client Associate
Phone:
(954) 713-8465(954) 713-8465
Brandon Johnson
Registered Associate
Phone:
(954) 713-8490(954) 713-8490
About Mona Salguero
Drawing on nearly 20 years of industry experience, I provide personalized attention and financial guidance using goals-based wealth management strategies to affluent families and successful business professionals, constantly looking to gain time back into their lives. Time for the things most important to you, such as family, business ventures and the pursuit to one’s passions and aspirations. I enjoy assisting our clients navigate towards their personal financial goals and cultivate long lasting business relationships along the way. Providing exceptional service, a disciplined approach to investing and advice that is customized to each client are my key methods and essential to archiving these goals.
Equipped with cutting edge resources of Morgan Stanley, our experience and team of Firm specialists, top research, investment insights, banking and lending to name a few, I am dedicated to focus on our client’s growth and wealth preservation. It is my pleasure to guide you through the sometimes-complex world of wealth management. I will help you clarify your objectives, understand financial goals and define a strategy appropriate for your current needs and your future.
Privately I am married to my best friend and business partner George Salguero. I enjoy spending time with my son George Jr. and our two Dachshunds in Fort Lauderdale. We also love traveling domestic and abroad. As a health and fitness enthusiast I can be found training at the gym, enjoying Yoga and Pilates, as well as occasionally competing in half Marathons, 5K and Triathlons. Furthermore, I find joy in architecture and design and the diversity of other cultures. Born and raised in Germany, I speak fluently English and German.
Languages: English and German
Membership: Young Professionals for Covent House
Professional FINRA registrations and licenses: Series 7, 63, 66, Florida Life and Health
EDUCATION
Broward College
Florida Metropolitan University
Fort Lauderdale High School
Equipped with cutting edge resources of Morgan Stanley, our experience and team of Firm specialists, top research, investment insights, banking and lending to name a few, I am dedicated to focus on our client’s growth and wealth preservation. It is my pleasure to guide you through the sometimes-complex world of wealth management. I will help you clarify your objectives, understand financial goals and define a strategy appropriate for your current needs and your future.
Privately I am married to my best friend and business partner George Salguero. I enjoy spending time with my son George Jr. and our two Dachshunds in Fort Lauderdale. We also love traveling domestic and abroad. As a health and fitness enthusiast I can be found training at the gym, enjoying Yoga and Pilates, as well as occasionally competing in half Marathons, 5K and Triathlons. Furthermore, I find joy in architecture and design and the diversity of other cultures. Born and raised in Germany, I speak fluently English and German.
Languages: English and German
Membership: Young Professionals for Covent House
Professional FINRA registrations and licenses: Series 7, 63, 66, Florida Life and Health
EDUCATION
Broward College
Florida Metropolitan University
Fort Lauderdale High School
About Daniel Abrahamsohn
Daniel is an experienced and dedicated financial professional currently serving as a Senior Registered Client Service Associate. He has 10 years’ experience in the financial services industry. Daniel has worked at several major financial services firms in their Private Wealth Management Division. Daniel joined our team at Morgan Stanley Wealth Management in 2023. He holds Series 7, Series 63, Series 65, and 2-15 Resident Health & Life licenses.
Daniel enjoys traveling, playing soccer, staying active, snowboarding, watching sports, spending time with family, and is forever working on his golf game.
Daniel enjoys traveling, playing soccer, staying active, snowboarding, watching sports, spending time with family, and is forever working on his golf game.
About Brandon Johnson
Brandon joined Morgan Stanley in 2020 and has been in the financial services industry since 2017. With a long family history from the beautiful island country of Grenada, Brandon was born in Los Angeles, CA and later raised in South Florida. He’s a graduate of the historical and academically significant, Flagler College. He obtained a bachelor’s degree in business administration.
His hobbies include playing basketball, weightlifting, and traveling. He currently holds the Series 7, 63 & 65 licenses. Brandon’s role on the team is to provide support with the development and analysis of financial goals, as well as executing and monitoring investment transactions for clients’ accounts. His role on the team is to respond to client inquiries in a timely and professional manner.
His hobbies include playing basketball, weightlifting, and traveling. He currently holds the Series 7, 63 & 65 licenses. Brandon’s role on the team is to provide support with the development and analysis of financial goals, as well as executing and monitoring investment transactions for clients’ accounts. His role on the team is to respond to client inquiries in a timely and professional manner.
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
John Fanning
Senior Private Banker
Leticia Teixeira, CFP®, CEPA®
Financial Planning Director, Vice President
About John Fanning
John Fanning is a Private Banker serving Morgan Stanley Wealth Management offices in Florida.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
John began his career in financial services in 1992, and joined Morgan Stanley in 2010 as a Financial Advisor. Prior to joining the firm, he was a Commercial Banker at SunTrust Bank (now Truist Bank) and Bank United. He also also served as a Finance Manager at Merrill Lynch Business Financial Services.
John is a graduate of Florida Atlantic University, where he received a Bachelor of Science in Finance. He lives in Fort Lauderdale, Florida with his family. Outside of the office, John enjoys coaching and watching his sons excel in sports, spending time with family and friends, and cheering on all South Florida sports team.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
John began his career in financial services in 1992, and joined Morgan Stanley in 2010 as a Financial Advisor. Prior to joining the firm, he was a Commercial Banker at SunTrust Bank (now Truist Bank) and Bank United. He also also served as a Finance Manager at Merrill Lynch Business Financial Services.
John is a graduate of Florida Atlantic University, where he received a Bachelor of Science in Finance. He lives in Fort Lauderdale, Florida with his family. Outside of the office, John enjoys coaching and watching his sons excel in sports, spending time with family and friends, and cheering on all South Florida sports team.
NMLS#: 803783
About Leticia Teixeira
Leticia Teixeira, CFP®, CEPA® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Southeast Florida. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Leticia began her career in financial services in 2011 and joined Morgan Stanley in 2020. Prior to her current position, she worked at multiple Financial Services firms in Florida including RBC, Itaú and UBS.
Leticia graduated from Florida International University with a B.A. in Psychology and obtained an MBA in Organizational Management from Carlos Albizu University. She holds her Certified Financial Planner® and Certified Exit Planning Advisor® designations.
Outside of work, Leticia enjoys practicing her photography skills, family trips and volunteering at school activities. Leticia is originally from Sao Paulo, Brazil and she is fluent in English and Portuguese, and conversational in Spanish. She currently lives in Broward, FL with her husband and 2 children.
Leticia began her career in financial services in 2011 and joined Morgan Stanley in 2020. Prior to her current position, she worked at multiple Financial Services firms in Florida including RBC, Itaú and UBS.
Leticia graduated from Florida International University with a B.A. in Psychology and obtained an MBA in Organizational Management from Carlos Albizu University. She holds her Certified Financial Planner® and Certified Exit Planning Advisor® designations.
Outside of work, Leticia enjoys practicing her photography skills, family trips and volunteering at school activities. Leticia is originally from Sao Paulo, Brazil and she is fluent in English and Portuguese, and conversational in Spanish. She currently lives in Broward, FL with her husband and 2 children.
Private Bankers, Ultra High Net Worth ("UHNW") Specialists, PBG Market Managers, Lending Advisors, Mortgage Consultants, Regional Mortgage Specialist, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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
Rational Investing in an Age of Uncertainty
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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 George Salguero today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan 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
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan 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
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
CRC 4665150 (8/2025)
