Cindy M. Watson
Portfolio Associate
Phone:
(727) 302-6321(727) 302-6321
Gina D. Timko, CFP®
Senior Vice President,
Financial Advisor,
CERTIFIED FINANCIAL PLANNER®,
Family Wealth Advisor,
Senior Investment Management Consultant
Direct:
(727) 344-6744(727) 344-6744
My Mission Statement
I am committed to helping you navigate life at every stage and to providing you with an exceptional client experience.
Welcome
Excellence, integrity, and compassion are the cornerstones of my practice.
What matters most to you? By gaining a deep understanding of you and your financial picture, I am able to give you thoughtful, comprehensive advice.
I establish life-long relationships with my clients, offering you tailored solutions to help you achieve your goals throughout every stage of your life.
What matters most to you? By gaining a deep understanding of you and your financial picture, I am able to give you thoughtful, comprehensive advice.
I establish life-long relationships with my clients, offering you tailored solutions to help you achieve your goals throughout every stage of your life.
Service After Hours
- Should something come up after hours, please feel comfortable calling or texting me on my corporate phone
- 727-698-6525
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- 401(k) Rollovers
- Estate Planning StrategiesFootnote4
- Asset Management
- Long Term Care InsuranceFootnote5
- Life InsuranceFootnote6
- Cash Management and Lending ProductsFootnote7
- Philanthropic ManagementFootnote8
- Planning for Education FundingFootnote9
Securities Agent: NC, AZ, VA, FL, UT, WA, PR, NJ, CA, MA, GA, CT, SC, NY, MT, PA, MD, TX; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 2159679
NMLS#: 2159679
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Designations and Awards
CERTIFIED FINANCIAL PLANNER™ - CFP®
The CFP® designation identifies those individuals who have met the experience and ethical requirements, have successfully completed financial planning coursework and have passed the CFP® Certification Examination. CFP® certificates must also agree to meet ongoing continuing education requirements and to uphold the Certified Planner Board of Standards Inc.’s Code of Ethics and Professional Responsibility and Financial Planning Practice Standards.
Early on, I realized the importance of financial planning in helping clients. I earned my CFP® designation in January 2000, something I have always been very proud of. This title recognizes my education, ethics, experience, and excellence in financial planning.
Early on, I realized the importance of financial planning in helping clients. I earned my CFP® designation in January 2000, something I have always been very proud of. This title recognizes my education, ethics, experience, and excellence in financial planning.
Family Wealth Advisor
Family Wealth Management involves a thoughtful, diligent approach to deliver a high level of service and standard of care that take into account your family's best interests and full financial picture. As a Family Wealth Advisor I can advise your family on the best strategies for protecting and growing your family's wealth across generation in alignment with your family's goals and values.
I was selected to attain this designation from Morgan Stanley's Institute of Family Wealth Management accreditation program. This program focuses on the skills needed to deliver comprehensive, family-centric wealth management, including:
• Estate planning strategies and wealth transfer considerations
• Engaging the next generation in taking ownership of their finances
• Defining and achieving philanthropic goals that align with family values
• Having meaningful conversations about money with children and parents
I was selected to attain this designation from Morgan Stanley's Institute of Family Wealth Management accreditation program. This program focuses on the skills needed to deliver comprehensive, family-centric wealth management, including:
• Estate planning strategies and wealth transfer considerations
• Engaging the next generation in taking ownership of their finances
• Defining and achieving philanthropic goals that align with family values
• Having meaningful conversations about money with children and parents
Forbes 2024 Top Women Wealth Advisors and Top Women Wealth Advisors Best-In-State
I'm so proud to be recognized by Forbes on their 2024 ranking of America's Top Women Wealth Advisors Best-In-State. It's truly an honor to be recognized among this exceptional group of women.
(Source: Forbes.com (Awarded Feb 2024) Data compiled by SHOOK Research LLC for the period 9/30/22-9/30/23.)
(Source: Forbes.com (Awarded Feb 2024) Data compiled by SHOOK Research LLC for the period 9/30/22-9/30/23.)
My Process
Whatever your financial goal - whether to grow your wealth, preserve it or pass it on to others, you can count on me to help you with a strategy that is flexible to your wants and needs. Below is the process I take when meeting a new prospective client.
1. Introduction
I begin with an informal conversation to understand your financial concerns and determine how we can add value. If we agree to move forward, we’ll schedule our next meeting and request important financial information.
2. Discovery
I continue the dialogue we started, learning about the values that shape your decisions and identifying any unique circumstances around your wealth. I review the documents you prepared and begin to define your priorities and timelines.
3. Analysis and Plan Development
Here, I utilize industry-leading financial planning tools to develop a personalized and detailed financial plan with specific recommendations to help you grow and preserve your wealth. This serves as the foundation for building your initial plan, as well as future wealth management decisions.
4. Plan Presentation
In this step, I will present your financial plan that includes an investment portfolio that aligns your investments with your goals, timeframe, and risk level. We also discuss other wealth management solutions that may include risk management techniques.
5. Implementation
Upon your approval of my recommendations, I begin to implement the strategies outlines in the plan. Once assets have been transferred to Morgan Stanley and are aligned with your investment strategy, I introduce you to all of the tools and recourses available and refer you to my website resources.
6. Continued Service and Care
Committed to premium service, I focus on developing a relationship that provides special value to you and your family. As I begin to implement each strategy, I also want to continue to provide top tier attention to stay on top of those financial objectives and maintain a strong relationship with you.
Comprehensive Financial Planning
Regardless of what stage your life is in - moving ahead in your career, enjoying retirement, or somewhere in between - as your Financial Advisor, I can help you achieve your financial goals on your timeline.
Leveraging a sophisticated suite of digital and analytical tools, the thought leadership of Morgan Stanley, I can work with you to create a robust, holistic strategy that integrates the various aspects of your financial life, including your investment and cash management needs.
I create your personal roadmap to help achieve and protect your goals. This framework addresses you and your family's unique circumstances, dreams, and most pressing concerns, while taking into account risk and opportunity in your life.
Leveraging a sophisticated suite of digital and analytical tools, the thought leadership of Morgan Stanley, I can work with you to create a robust, holistic strategy that integrates the various aspects of your financial life, including your investment and cash management needs.
I create your personal roadmap to help achieve and protect your goals. This framework addresses you and your family's unique circumstances, dreams, and most pressing concerns, while taking into account risk and opportunity in your life.
Interactive Retirement Planning
With an understanding of both sides of the balance sheet, as well as your lifestyle and goals, I create interactive financial plans that allow us to account for every aspect of your financial life leading up to and through retirement. By monitoring and updating this plan throughout your life, I can help you stay on track towards achieving the income and resources to live out the lifestyle you envision, while accounting for the unexpected.
Tailored Lending
I help high net worth clients with customized lending solutions that can be used to enhance liquidity, finance asset acquisition and protect wealth. I use a dedicated team of experience lenders to evaluate your individual profile to structure solutions to fit your needs. Lending can help you access financing that can be better suited to your individual circumstances.
Custom Portfolio Management
While there are certain key tenants of investing that tend to lead to success, I firmly believe that great investment management cannot have a cookie-cutter approach. I know that no two clients are the same, and so every portfolio is custom, purpose-built to fit your individual investment style, preferences, goals and desires. Like your financial plan, my portfolios are actively monitored and adjusted to change not just according to the markets, but your life and evolving needs.
Trust/Estate Strategies
While wealth accumulation and preservation are vital facets of our financial lives, planning for the legacy we leave behind is just as important. Whether you plan to pass wealth to your heirs, foundations, or charities, I work together with you and your estate attorneys to help ensure that your wishes are met in the most efficient and cost-effective way possible.
Cash Flow and Savings
I know investments are just one of the building blocks on the road to financial success - cash flow projection and management is another. Whether it is buying a home, saving for college, leveraging your investments for liquidity, or a myriad of other ways in which you send your hard-earned dollars, I want to help you find the best way to save and invest as you strive to meet your financial goals.
Tax Efficient Advice and Execution
Tax-Efficient Investment Management can have a significant impact on after-tax returns, particularly for clients in the top tax brackets. Which this in mind, along with actively tax managed portfolios that tax-loss harvest on a regular basis, we have numerous strategies available to clients to minimize taxes when dealing with highly appreciated stock. I will often work in conjuncture with your CPA (and can offer referrals if needed), to help ensure a cohesive tax management strategy.
If you engage in tax loss harvesting, you must also keep in mind the “wash sale” rules. Under these rules, if you purchase the same or substantially identical securities within 30 days before or after the sale of the securities that generated the loss, the loss will be disallowed. Tax-aware strategies seek to reduce capital gains. There is no guarantee that they will eliminate them.
If you engage in tax loss harvesting, you must also keep in mind the “wash sale” rules. Under these rules, if you purchase the same or substantially identical securities within 30 days before or after the sale of the securities that generated the loss, the loss will be disallowed. Tax-aware strategies seek to reduce capital gains. There is no guarantee that they will eliminate them.
My Suite of Digital Tools & Insights
Digital Vault
Protect yourself online. Safeguarding your assets and information is one of my highest priorities. Use digital vault to protect your information and learn how you can do more to secure you digital footprint.
Learn MoreLocation
150 2nd Avenue N
Suite 1400
St. Petersburg, FL 33701
US
Direct:
(727) 344-6744(727) 344-6744
Fax:
(727) 214-9490(727) 214-9490
Meet My Team
About Cindy M. Watson
Cindy has been in the financial services industry for over 27 years. She strives to get to know clients so that she can provide a wide range of administrative and operational services best tailored to each client’s need. Cindy currently holds her Series 7 and Series 63 licenses. She is married and has three grown children. When not at work, you can find her attending sporting events, reading or swimming.
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
Michael Johnson
Private Banker
About Michael Johnson
Michael Johnson 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.
Michael began his career in financial services in 2010, and joined Morgan Stanley in 2022. Prior to joining the firm, he was a Regional Lending Director at Wells Fargo Advisors. He also served as a Financial Advisor at Merrill Lynch.
Michael is a graduate of the Middle Tennessee State University, where he received a Bachelors Degree in Finance. He lives in St. Petersburg, FL. Outside of the office, Michael enjoys the outdoors with his dog Wayne, playing ice hockey and golf, and watching all of his favorite sports teams let him down. He serves his community through Reach St. Pete, a non-profit that provides resources to those experiencing homelessness, low-income, and at-risks situations.
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.
Michael began his career in financial services in 2010, and joined Morgan Stanley in 2022. Prior to joining the firm, he was a Regional Lending Director at Wells Fargo Advisors. He also served as a Financial Advisor at Merrill Lynch.
Michael is a graduate of the Middle Tennessee State University, where he received a Bachelors Degree in Finance. He lives in St. Petersburg, FL. Outside of the office, Michael enjoys the outdoors with his dog Wayne, playing ice hockey and golf, and watching all of his favorite sports teams let him down. He serves his community through Reach St. Pete, a non-profit that provides resources to those experiencing homelessness, low-income, and at-risks situations.
NMLS#: 982074
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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Ready to start a conversation? Contact Gina D. Timko 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
9When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
9When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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)
