Kent Hageman, CIMA®
Senior Vice President, Wealth Advisor
Phone:
(440) 835-6819(440) 835-6819
Hageman Masters Group at Morgan Stanley
Direct:
(440) 835-6819(440) 835-6819
Toll-Free:
(800) 473-0003(800) 473-0003
Our Mission Statement
Providing holistic wealth planning strategies for your life and legacy with experience, intellectual capital, and dedicated personal and professional service.
Our Story and Services
"Will I be able to retire on time?"
"Will I outlive my money?"
“How do I leave a lasting legacy for my family?”
We help our clients find the answers to these questions and more. With over 75 years of industry experience, the Hageman Masters Group has enjoyed helping hundreds of families and thousands of individuals just like you achieve their goals. We work with business owners, corporate executives, retirees, as well as other wealthy individuals and families by building a tailored financial plan to suit their needs and goals. Our team structure, along with the backing of one of the largest firms in the world, means that we have the tools, depth, knowledge, and resources necessary to provide you the level of service and attention that your life's work deserves.
Our process begins with a comprehensive financial plan, giving us a snapshot of where you are now, and laying out a road map of what is needed to help achieve your goals. We then construct a portfolio designed to help meet these goals with the lowest risk and volatility possible.
Our investment philosophy involves utilizing both active and passive strategies, ongoing due diligence, manager selection, and tax efficiency in an effort to attain the best risk adjusted rate of return for our clients. With a customized service model, we ensure each client receives the feedback needed to feel confident in their future.
We would be happy to discuss and address your questions and goals.
Please call Scott at 440-759-0577 or Kent at 440-865-9904.
"Will I outlive my money?"
“How do I leave a lasting legacy for my family?”
We help our clients find the answers to these questions and more. With over 75 years of industry experience, the Hageman Masters Group has enjoyed helping hundreds of families and thousands of individuals just like you achieve their goals. We work with business owners, corporate executives, retirees, as well as other wealthy individuals and families by building a tailored financial plan to suit their needs and goals. Our team structure, along with the backing of one of the largest firms in the world, means that we have the tools, depth, knowledge, and resources necessary to provide you the level of service and attention that your life's work deserves.
Our process begins with a comprehensive financial plan, giving us a snapshot of where you are now, and laying out a road map of what is needed to help achieve your goals. We then construct a portfolio designed to help meet these goals with the lowest risk and volatility possible.
Our investment philosophy involves utilizing both active and passive strategies, ongoing due diligence, manager selection, and tax efficiency in an effort to attain the best risk adjusted rate of return for our clients. With a customized service model, we ensure each client receives the feedback needed to feel confident in their future.
We would be happy to discuss and address your questions and goals.
Please call Scott at 440-759-0577 or Kent at 440-865-9904.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
PREPARED FOR ANYTHING
The Hageman Masters Group was formed with the goal of addressing all of our clients concerns under one roof, with one trusted advisory team. We work in a capacity with our clients which requires us to always put your best interests first. Together, we will define what is most important to you and your family, and develop the strategies to help you get there. Through each step, we will provide advice and investment insights to construct a plan that is personalized to your goals.
CIMA®
Certified Investment Management Analyst (CIMA®) is a professional certification for financial advisors and investment consultants in advanced portfolio construction. The program requires completing a sophisticated investment curriculum to reflect the real-world needs of individuals and institutional investors.
CFP ®
Certified Financial Planner (CFP ®) is a professional certification for financial advisors who have met the rigorous qualifications for financial planning and have years of experience related to delivering financial planning services. CFP® professionals commit to the high ethical standards of the CFP® Board.
Step 1: Get to Know Each Other
• Listen carefully to understand what is important to you, your family, and your legacy
• Identify circumstances unique to your personal situation
• Identify your present and future financial goals
• Identify circumstances unique to your personal situation
• Identify your present and future financial goals
Step 2: Assess Your Unique Situation
• Gather important data, documents, and financial statements
• Analyze your current investment and cash management strategies
• Analyze a vast array of information important to you such as the rising costs of healthcare, social security concerns, estate planning strategies, and long term care
• Analyze your current investment and cash management strategies
• Analyze a vast array of information important to you such as the rising costs of healthcare, social security concerns, estate planning strategies, and long term care
Step 3: Develop Your Comprehensive Financial Plan
• Develop a personalized plan using proprietary tools and insights from Morgan Stanley
• Integrate alternative investments into your overall strategy where appropriate
• Incorporate insurance and estate planning strategies
• Help address all current and future income needs
• Integrate alternative investments into your overall strategy where appropriate
• Incorporate insurance and estate planning strategies
• Help address all current and future income needs
Step 4: Implement Your Plan
• Help address each of your unique goals with a tailored approach
• Prioritize activities and establish timelines
• Set up tools to provide convenient access to your accounts
• Coordinate strategies with your CPA and estate attorney if applicable
• Prioritize activities and establish timelines
• Set up tools to provide convenient access to your accounts
• Coordinate strategies with your CPA and estate attorney if applicable
Step 5: Deliver Ongoing Service
• Schedule regular calls and meetings to monitor progress towards your goals
• Apply a strict due diligence process to evaluate investment performance
• Provide ongoing updates to ensure your plan is implemented as expected
• Determine if any adjustments are needed, since personal goals and market conditions can change over time
• Apply a strict due diligence process to evaluate investment performance
• Provide ongoing updates to ensure your plan is implemented as expected
• Determine if any adjustments are needed, since personal goals and market conditions can change over time
Real Advice That's Tailored to You
The Hageman Masters Group works with a large demographic of individuals and families from all over the country helping guide them through the financial planning process. Below are some of the types of clients we have dedicated our career to servicing:
• Business Owners and Corporate Executives
• Non Profits and Foundations
• Families in need of retirement and education planning
• Pre-Retirees striving to preserve and grow their wealth
• Individuals experiencing a significant life event such as a job change, divorce, loss of a spouse, or a large inheritance
• Business Owners and Corporate Executives
• Non Profits and Foundations
• Families in need of retirement and education planning
• Pre-Retirees striving to preserve and grow their wealth
• Individuals experiencing a significant life event such as a job change, divorce, loss of a spouse, or a large inheritance
Helping You Meet Your Goals
- Using our suite of tools we can create your personal roadmap to help achieve your goals — a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
How We Help
- Comprehensive Financial Planning
- Investment Management
- Education Funding Planning
- Legacy and Transfer Planning
- Executive Benefit Planning
- Retirement Planning and Services
- Working with your CPA & Estate Attorney
Valuable Tools and Resources
Our comprehensive suite of digital tools are designed to help enhance virtually every aspect of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Secure Email
At Morgan Stanley, safeguarding your personal information is among our highest priorities. Our Secure Email tool is a safe way for you to exchange messages and documents containing sensitive information.
Secure Email & Protecting Yourself
Global Investment Committee “On the Markets” Report
Every month, Morgan Stanley’s top research analysts publish their “On the Markets” report, providing detailed market commentary on such topics as global equities, fixed income and monetary policy.
Read the most recent report
Morgan Stanley Online (MSO) & MS Mobile
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity. Features include paperless documents, bill pay and secure account management.
Morgan Stanley Online
Thoughts on the Markets Podcast
With perspectives on the forces shaping the market, Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Listen to the latest episode
Total Wealth View
With this service, you can view all your investments together – whether they are held at Morgan Stanley or elsewhere. When you add your external 401(k), as well as your checking, savings and brokerage accounts to this portal, all your assets will be in one place, providing a current and comprehensive view of your wealth.
Total Wealth View
Family Office Resources
Ultra-high net worth individuals and families often have unique and complex planning needs. Here at Morgan Stanley, we have a variety of Family Office Resources that can assist our family office clients in assessing and coming up with solutions to their goals; no matter how complex they may be.
Family Office Resources
Digital Vault
The Digital Vault on Morgan Stanley Online allows you to build a centralized document library where all documents are stored using encryption.
Digital Vault
2022 Mid-year Economic Outlook
Persistent inflation, supply chain constraints, the continuing pandemic and war in Ukraine signal a significant slowdown in global GDP growth this year but not a worldwide recession.
Read more in our mid-year report
Intelligent Withdrawals
Intelligent Withdrawal gives us the ability to look across multiple accounts and products to identify the right combination of securities and tax lots to sell so you can help meet spending needs while making the most out of your hard-earned money.
Intelligent Withdrawals
Spending & Budgeting
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool. We make it easy for you and your financial advisor to oversee trends in your financial life.
Spending & Budgeting Tool
2025 Federal Tax Tables
2025 Federal Tax Table to assist you and your family in your investment decisions.
Review 2025 Tax TablesHelping You Leave a Lasting Legacy
Managing your family’s wealth is about so much more than simply attaining a desired return. At the Hageman Masters Group, we work with our clients and their families to plan for both the present and the future. Our goal is to get all generations involved and set out a plan so that your hard earned wealth transcends generations and lasts long after you are gone. We will set up a strategy to make sure your children and grandchildren are taken care of. Whether this involves estate planning, insurance planning, or just taking a much longer term view on your investment horizon, the Hageman Masters Group is here to guide you through this complicated process.
If you have questions on Estate Planning and securing your legacy, we can help make sense of this complicated area and put a place in place.
Please call Scott at 440-759-0577 or Kent at 440-865-9904 to get the help your family deserves.
If you have questions on Estate Planning and securing your legacy, we can help make sense of this complicated area and put a place in place.
Please call Scott at 440-759-0577 or Kent at 440-865-9904 to get the help your family deserves.
How We Help
- Create a Comprehensive Financial Plan
- Long Term Investment Solutions
- Getting Your Heirs Involved
- College and Education Planning
- Estate Planning
- Gifting Strategies
- Charitable Giving Planning
- Cash Management Solutions
Location
159 Crocker Park Blvd
Ste 460
Westlake, OH 44145
US
Direct:
(440) 835-6819(440) 835-6819
Toll-Free:
(800) 473-0003(800) 473-0003
Meet Hageman Masters Group
About Kent Hageman
I have been providing financial advice to individuals, trusts, corporations and foundations since 1986. In 2001, I joined Morgan as a Senior Vice President and prior to that I was with Merrill Lynch as a Vice President and Certified Financial Manager.
I graduated from Miami University with a Bachelor’s Degree in Business Administration majoring in Finance. In 2002, I earned the Certified Investment Management Analyst (CIMA®) designation from Wharton School at the University of Pennsylvania. In 2006, I completed accreditation from the Morgan Stanley Wealth Advisor program.
I enjoy staying involved in the community. I serve on The Hageman Family Foundation as President, and as a board member of the Lorain County Community College Foundation and am an emeritus member of the Mercy Regional Foundation. I am also a former board member Mercy Lorain Hospital and The Community Foundation of Lorain County.
Currently I live in Lorain, Ohio with my wife, Michelle and two sons, Alex and Michael. Outside of the office, I enjoy golf, traveling, and spending time with my family.
I would be happy to discuss and address your questions and goals.
Please give me a call at 440-865-9904.
I graduated from Miami University with a Bachelor’s Degree in Business Administration majoring in Finance. In 2002, I earned the Certified Investment Management Analyst (CIMA®) designation from Wharton School at the University of Pennsylvania. In 2006, I completed accreditation from the Morgan Stanley Wealth Advisor program.
I enjoy staying involved in the community. I serve on The Hageman Family Foundation as President, and as a board member of the Lorain County Community College Foundation and am an emeritus member of the Mercy Regional Foundation. I am also a former board member Mercy Lorain Hospital and The Community Foundation of Lorain County.
Currently I live in Lorain, Ohio with my wife, Michelle and two sons, Alex and Michael. Outside of the office, I enjoy golf, traveling, and spending time with my family.
I would be happy to discuss and address your questions and goals.
Please give me a call at 440-865-9904.
Securities Agent: CT, WY, OH, IA, NV, IN, VA, TX, NJ, ND, NC, MD, GA, WA, NM, AZ, WI, FL, SC, PA, NY, MN, KS, IL, DE, MI, CA, VI, MA, CO; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1454867
NMLS#: 1454867
About Scott Masters
I work with individuals and businesses that are looking to make the right financial decisions now, to help create a successful future for themselves, their families and their employees. As a Certified Financial Planner I believe that with proper planning and understanding, we can successfully navigate all the challenges that people face today in a simple, tax efficient manner. My focus includes personal retirement planning, education planning, legacy and estate strategies as well as business retirement plans such as a 401(k)’s.
I graduated Magna Cum Laude from Arizona State University with a Bachelor’s degree in Business Management. I then spent several years as a PGA Professional running a private Ritz-Carlton managed facility in Sarasota, Florida before moving back home to Ohio to be closer to family. Since joining Morgan Stanley, I’ve earned the Certified Financial Planner Designation (CFP®) as a way to adhere to a higher standard of education and care for my clients.
I enjoy being involved with the local community and like to give back by working with the Second Harvest Food Bank of North Central Ohio.
My wife and I live in Avon with our two sons, Parker and Connor. Outside of the office I enjoy golfing, running, traveling and time with my family.
I would welcome the opportunity to discuss any questions you may have. Please call me directly at 440-759-0577
I graduated Magna Cum Laude from Arizona State University with a Bachelor’s degree in Business Management. I then spent several years as a PGA Professional running a private Ritz-Carlton managed facility in Sarasota, Florida before moving back home to Ohio to be closer to family. Since joining Morgan Stanley, I’ve earned the Certified Financial Planner Designation (CFP®) as a way to adhere to a higher standard of education and care for my clients.
I enjoy being involved with the local community and like to give back by working with the Second Harvest Food Bank of North Central Ohio.
My wife and I live in Avon with our two sons, Parker and Connor. Outside of the office I enjoy golfing, running, traveling and time with my family.
I would welcome the opportunity to discuss any questions you may have. Please call me directly at 440-759-0577
Securities Agent: AZ, NV, VI, NM, GA, CA, WA, MN, IN, WI, KS, VA, OH, NY, ND, WY, NJ, FL, CO, PA, NC, MI, MD, IA, CT, TX, MA, IL, DE, TN, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 1638794
CA Insurance License #: 0M68416
NMLS#: 1638794
CA Insurance License #: 0M68416
About Angela Carmichael
I am the newest member of the team as of June 2023.
Prior to joining, I worked for Serco as a Quality Assurance Specialist, ensuring clients were receiving the best care and service as possible. I strive to ensure each client’s needs are met and to exceed expectations. Additionally, I also served in the United States Army, where I learned skills that I was able to implement into my day-to-day life.
Outside of the office, I enjoy being a leader of a Girl Scout Troop, playing tennis, practicing my violin, going for bike rides, and playing games with my family.
I am here to answer any questions you may have.
Prior to joining, I worked for Serco as a Quality Assurance Specialist, ensuring clients were receiving the best care and service as possible. I strive to ensure each client’s needs are met and to exceed expectations. Additionally, I also served in the United States Army, where I learned skills that I was able to implement into my day-to-day life.
Outside of the office, I enjoy being a leader of a Girl Scout Troop, playing tennis, practicing my violin, going for bike rides, and playing games with my family.
I am here to answer any questions you may have.
Contact Kent Hageman
Contact Scott Masters
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
Tyson Abert
Senior Private Banker
Andre Shammo, CFP®, CPWA
Financial Planning Director, Vice President
Mamta Shah
Trust Specialist
About Tyson Abert
Tyson R. Abert is a Senior Private Banker serving Morgan Stanley Wealth Management offices in Wisconsin, Northern Ohio and Western Pennsylvania.
Senior 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.
Tyson began his career in financial services in 2004, and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Development Manager and a Senior Relationship Manager at Wells Fargo’s Commercial Banking Services.
Tyson is a graduate of Illinois State University where he received a Bachelor of Science degree in Finance and Accounting, and Lake Forest Graduate School of Management where he received a Master of Business Administration. He and his family currently reside right outside Milwaukee, Wisconsin. Outside of the office, Tyson enjoys golfing, hunting, boating, fishing, and spending time with his family.
Senior 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.
Tyson began his career in financial services in 2004, and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Development Manager and a Senior Relationship Manager at Wells Fargo’s Commercial Banking Services.
Tyson is a graduate of Illinois State University where he received a Bachelor of Science degree in Finance and Accounting, and Lake Forest Graduate School of Management where he received a Master of Business Administration. He and his family currently reside right outside Milwaukee, Wisconsin. Outside of the office, Tyson enjoys golfing, hunting, boating, fishing, and spending time with his family.
NMLS#: 362127
About Andre Shammo
Andre is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in the Northern Ohio and Western Pennsylvania as well as the Central and Eastern Pennsylvania Markets. He is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Andre began his career in financial services in 2017 and joined Morgan Stanley in 2023. Prior to his current position, he was a member of Robert W. Baird’s Wealth Planning team, where he worked with Baird Financial Advisors to deliver financial planning to their clients.
Andre graduated from the University of Wisconsin-Madison with a degree in Personal Finance and holds his CERTIFIED FINANCIAL PLANNER™ and Certified Personal Wealth Advisor designations. Andre lives in Chicago, Illinois and grew up in Milwaukee, WI. Outside of work, Andre enjoys reading, watching and playing sports as well as traveling in his free time.
Andre began his career in financial services in 2017 and joined Morgan Stanley in 2023. Prior to his current position, he was a member of Robert W. Baird’s Wealth Planning team, where he worked with Baird Financial Advisors to deliver financial planning to their clients.
Andre graduated from the University of Wisconsin-Madison with a degree in Personal Finance and holds his CERTIFIED FINANCIAL PLANNER™ and Certified Personal Wealth Advisor designations. Andre lives in Chicago, Illinois and grew up in Milwaukee, WI. Outside of work, Andre enjoys reading, watching and playing sports as well as traveling in his free time.
About Mamta Shah
Mamta Shah is the Trust Specialist based in Chicago, covering the Midwest Region. Morgan Stanley provides a full array of personal and institutional trust services to high net worth clients of the firm. Mamta’s responsibilities include educating Financial Advisors and their clients on the open architecture trust service model and helping them identify opportunities to leverage the trust partners on the platform.
Before joining Trust Services in 2010, she was the Wealth Analyst with the Chicago based Wealth Planning Center at Morgan Stanley. Mamta was responsible for providing information and education on a full range of income and estate tax topics and concerns.
Prior to joining the Planning Center team in 2006, Mamta was Vice President of an Independent Investment Advisory Firm. She worked closely with the clients of the firm on a variety of financial planning and investment advisory services.
Mamta obtained her bachelor’s degree from Babson College with a major in Finance/Entrepreneurship. Mamta is a licensed CPA and holds a CFP® designation, She has been in the financial services industry since 1999. She is Series 7, 63, 65 and life/health insurance licensed. She is a member of the AICPA and the Illinois CPA Society. She lives in Chicago with her family.
Before joining Trust Services in 2010, she was the Wealth Analyst with the Chicago based Wealth Planning Center at Morgan Stanley. Mamta was responsible for providing information and education on a full range of income and estate tax topics and concerns.
Prior to joining the Planning Center team in 2006, Mamta was Vice President of an Independent Investment Advisory Firm. She worked closely with the clients of the firm on a variety of financial planning and investment advisory services.
Mamta obtained her bachelor’s degree from Babson College with a major in Finance/Entrepreneurship. Mamta is a licensed CPA and holds a CFP® designation, She has been in the financial services industry since 1999. She is Series 7, 63, 65 and life/health insurance licensed. She is a member of the AICPA and the Illinois CPA Society. She lives in Chicago with her family.
Wealth Management
From Our Team
The Tax-Smart Portfolio: Helping to Keep More of What You Earned
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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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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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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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 Hageman Masters 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.
2Morgan 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.
3Morgan 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.
4Alternative 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.
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, charitable giving, philanthropic planning and other legal matters.
6When 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8When 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.
9Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
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.
2Morgan 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.
3Morgan 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.
4Alternative 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.
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, charitable giving, philanthropic planning and other legal matters.
6When 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8When 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.
9Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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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.
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Awards Disclosures
CRC 6491812 (04/2024)
