James Harmon
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(561) 776-6491(561) 776-6491
Harmon / Small Group at Morgan Stanley
Direct:
(212) 643-5716(212) 643-5716
Toll-Free:
(800) 223-4565(800) 223-4565
Our Mission Statement
We provide exclusive and highly personalized financial services to a select group of clients. We offer a full suite of services, with the objective of delivering the resources that can accomplish each client’s unique goals.
About Us
The Harmon-Small Group of Morgan Stanley Wealth Management combine over 40 years of investment management experience to provide advice, using a broad array of investment capabilities and the latest technology to tailor an investment strategy to help achieve clients’ goals. Our disciplined approach to investment management begins by understanding your life goals, risk tolerance, liquidity needs, tax liability and financial responsibilities. Then, in collaboration with you, we create an investment strategy unique to your objectives, from current income generation to helping maximize the potential for capital growth. Working with us can ensure that your best interest always comes first. Our focus is on providing the right solution for our clients using a team approach.
To best accomplish this, our team made the transition to Morgan Stanley Wealth Management in 2017 after spending the previous twenty years with Lazard Asset Management. We saw tremendous value in making this move in order to better serve our clients by providing them with access to the extensive research capabilities, intellectual capital, and vast array of investment solutions of a full service brokerage firm such as Morgan Stanley. We are excited about the future and the manner in which we will be able to serve our clients moving forward.
To best accomplish this, our team made the transition to Morgan Stanley Wealth Management in 2017 after spending the previous twenty years with Lazard Asset Management. We saw tremendous value in making this move in order to better serve our clients by providing them with access to the extensive research capabilities, intellectual capital, and vast array of investment solutions of a full service brokerage firm such as Morgan Stanley. We are excited about the future and the manner in which we will be able to serve our clients moving forward.
Services Include
- Alternative InvestmentsFootnote1
- Asset Management
- Cash Management and Lending ProductsFootnote2
- Corporate Pension FundsFootnote3
- Donor Advised Funds
- Endowments and FoundationsFootnote4
- Estate Planning StrategiesFootnote5
- Financial PlanningFootnote6
- SyndicateFootnote7
- Trust AccountsFootnote8
- Wealth ManagementFootnote9
- 401(k) Rollovers
- 529 PlansFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
At Morgan Stanley, we believe that identifying financial solutions begins with a solid understanding of each client's situation, goals, objectives and risk tolerance. We follow a disciplined process that allows us to work with you to craft a solution that helps meet your individual needs. This process aligns our efforts with your interests, providing a road map focused on what is most important to you.
Step 1: Introductory Meeting
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals.
Step 2: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing an appropriate risk tolerance that can help you achieve the financial outcome you envision for yourself.
Step 3: Financial Plan Presentation
Financial plan presentations map out essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage. Examining relevant financial information provides a holistic asset allocation analysis for your accounts helping ensure a comprehensive financial plan.
Step 4: Action Items / Next Steps
After the financial plan presentation, we will follow up with you regarding your analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits and insurance coverage.
Step 5: Implementation Meeting
The implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving/benefit modifications.
Step 6: Monitoring & Performance Tracking
Finally, we will be constantly monitoring your assets and analyzing your performance tracking data seeking to ensure your financial expectations are being met and adjusted accordingly. We will keep a high degree of communication with you to make sure your concerns and requests are always addressed.
Our Suite of Digital Tools
Digital technology is centered on how people communicate, consume, transact and travel. Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are some of the technologies we have to offer our clients.
Morgan Stanley Online (MSO)
When you sign up for MSO, you can conveniently and securely manage your account online or on your mobile device.
Learn More
Morgan Stanley Mobile App
Access your account wherever, whenever using the Morgan Stanley Mobile App. It gives you the same capabilities as Morgan Stanley Online from the convenience of your phone.
Learn More
Cybersecurity
Safeguarding your assets and personal information is among our highest priorities. Our dedicated team of cybersecurity experts is drawn from former senior professionals at government security agencies and the technology industry.
Learn More
E-Sign
E-Sign is a digital, paperless alternative to the traditional means of obtaining signatures for necessary paperwork. There is no registration process to begin using E-Sign – all you need is a valid email address and phone number.
Learn More
E-Delivery
E-Delivery allows you to securely save, print, send and receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App.
Learn More
Digital Vault
The Digital Vault allows you to build a centralized library for all your documents using encryption.
Learn More
Total Wealth View
With this service, you can view all your assets and liabilities together – whether held at Morgan Stanley or elsewhere – in one place for a comprehensive overview of your assets.
Click here to learn more
LifeView Financial Goal Analysis
Leveraging our LifeView Goal Analysis tool, we can work with you to create a personalized wealth strategy. Over time, we will adapt it to changing circumstances, helping you achieve your goals and protect what is meaningful to you.
LifeView Goal Sample Client Profile
Goals Planning System (GPS)
GPS helps clients define what they want out of life, and then creates a financial framework to bring these goals to life.
Learn MoreMONTHLY OUTLOOKS & UPDATES
Here at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We are firm believers of giving our clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. Morgan Stanley seeks to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future, and why. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
Thoughts on the Market
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Listen here
GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income. Click the link below to read the full report.
Read: "GIC Weekly"
Your Guide to Tax-Efficient Planning
The tax decisions you make today can help you save for years to come. Consider these smart tax strategies for your financial plan. Utilizing these strategies can help you enjoy more of your nest egg.
Learn more here
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 award winning tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth ManagementPLANNING FOR YOUR FAMILY'S FINANCIAL NEEDS
Intergenerational Wealth Planning
Highly-skilled accountants and estate attorneys are vital to constructing sound wealth-transfer plans, but sometimes it is the matters these experts cannot address that pose the greatest challenges.
Click here to learn more
Income & Estate Planning Toolkit
A toolkit to help clients develop a general understanding of tax and estate planning techniques by using a summary of considerations, graphic illustrations, and custom examples.
Click here to learn more
Philanthropic Planning
Your set of Philanthropic objectives is as personal as your vision of a better world. Determining your objectives however, can be challenging when there are so many worthy causes and so many unmet needs.
Click here to learn more
Family Governance
Particularly in the case of an ultra high net worth family engaged in a common enterprise, such as running a family business, operating a family office, or simply investing together as a family, it's extremely important to have a sound framework within which to make decisions - in other words, a family governance system.
Click here to learn more
Signature Access
A broad range of specialty services are available to enrich and enhance the health, safety, comfort, and interests of affluent families, from private aviation, personal security, art advisory, and household staffing, to private health advisory services and advisory services for single family offices.
Click here to learn more
Wealth Education
Financial Literacy means being empowered with the knowledge to make smart financial decisions during every stage of life. Discussing family finances is especially important with adult children, no matter their age. It's not always easy, but starting the conversation is a key step in long-term wealth planning.
Click here to learn more
Tax Management
The tax decisions you make today can help you save for years to come. There are many tax smart strategies for your financial plan.
Click here to learn moreLocation
1 Penn Plaza
43rd Fl
New York, NY 10119
US
Direct:
(212) 643-5716(212) 643-5716
Toll-Free:
(800) 223-4565(800) 223-4565
3801 PGA Blvd, Financial Center at The Gardens
Palm Beach Gardens, FL 33410
US
Direct:
(561) 776-6491(561) 776-6491
Meet Harmon / Small Group
Lainie Small
Vice President, Wealth Management, Financial Advisor
Phone:
(212) 643-5935(212) 643-5935
About James Harmon
Jim joined Morgan Stanley in 2017 with his partner, Lainie Small. Jim is a Senior Vice President and Financial Advisor in The Harmon-Small Group. Jim believes in a comprehensive approach to investing and financial planning. He has over 30 years of investment management experience. Jim works with individuals, endowments, foundations, and retirement plans.
Prior to joining Morgan Stanley, Jim spent 21 years at Lazard Asset Management LLC where he was a portfolio manager and relationship manager. Jim also worked at Arnhold and S. Bliechroeder and Gruntal and Co.
Jim received his MBA in Investment Management in 2000 from The Lubin School of Business at Pace University. He received a BA in economics from the State University of New York at Albany in 1994.
Jim lives in Palm Beach County where he spends his time on the water as much as possible and traveling to see his adult children. He has been very active in community and volunteer efforts. Jim is actively involved in Big Brothers Big Sisters of Palm Beach and Martin Counties, Topsoccer, a nationwide soccer program for children with special needs, through the Palm Beach Gardens Soccer Club. A lifelong coach and mentor Jim has coached soccer, football, basketball and flag football.
Prior to joining Morgan Stanley, Jim spent 21 years at Lazard Asset Management LLC where he was a portfolio manager and relationship manager. Jim also worked at Arnhold and S. Bliechroeder and Gruntal and Co.
Jim received his MBA in Investment Management in 2000 from The Lubin School of Business at Pace University. He received a BA in economics from the State University of New York at Albany in 1994.
Jim lives in Palm Beach County where he spends his time on the water as much as possible and traveling to see his adult children. He has been very active in community and volunteer efforts. Jim is actively involved in Big Brothers Big Sisters of Palm Beach and Martin Counties, Topsoccer, a nationwide soccer program for children with special needs, through the Palm Beach Gardens Soccer Club. A lifelong coach and mentor Jim has coached soccer, football, basketball and flag football.
Securities Agent: DE, CT, CA, FL, VT, TX, TN, NJ, VA, PA, NY, MA, WA, MD, GA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1674823
NMLS#: 1674823
About Lainie Small
In 2017, Lainie joined Morgan Stanley Wealth Management as a Vice President and Financial Advisor along with her partner, James Harmon. Together they have fostered a great relationship with their clients and earned their respect and trust. The Harmon/Small Group dedicates valuable time to understanding their clients’ current financial picture, life goals and risk tolerance. Each financial plan is tailored to the client and reflects their values. Lainie is passionate about helping her clients recognize that, with her assistance, their financial goals are attainable and within reach. The Harmon/Small Group is committed to always serving their clients’ best interests.
After earning her Bachelor of Science in Business Administration from Upsala College in New Jersey, Lainie Small began her career in the New York City headquarters of E.F. Hutton & Co. in the technical analysis division. In her role, Lainie provided assistance in identifying potential investments and trading opportunities to the entire brokerage network. Within a very short time, Lainie had cultivated strong relationships with her business unit and was promoted to cover the oil and entertainment industries. She later transitioned to AllianceBernstein and covered the northeast and western regions of the Direct Sales Team for the institutional marketing unit. This role entails a critical focus on engaging directly with institutional asset owners and prospective clients. She moved to Lazard Asset Management LLC building on her career working with the private clients of the Wealth Management Division where she helped to create personalize investment strategies and financial planning for high-net-worth clients.
Lainie is married to her husband, Kevin for 40 years and have two grown children. She values the quality time spent with family and is grateful for their love.
In her spare time, Lainie enjoys cooking, exercising, traveling, and photography. Her favorite quote, “To fully enjoy life, all of us must find our own breathing space and peace of mind.” ~ James E. Faust
After earning her Bachelor of Science in Business Administration from Upsala College in New Jersey, Lainie Small began her career in the New York City headquarters of E.F. Hutton & Co. in the technical analysis division. In her role, Lainie provided assistance in identifying potential investments and trading opportunities to the entire brokerage network. Within a very short time, Lainie had cultivated strong relationships with her business unit and was promoted to cover the oil and entertainment industries. She later transitioned to AllianceBernstein and covered the northeast and western regions of the Direct Sales Team for the institutional marketing unit. This role entails a critical focus on engaging directly with institutional asset owners and prospective clients. She moved to Lazard Asset Management LLC building on her career working with the private clients of the Wealth Management Division where she helped to create personalize investment strategies and financial planning for high-net-worth clients.
Lainie is married to her husband, Kevin for 40 years and have two grown children. She values the quality time spent with family and is grateful for their love.
In her spare time, Lainie enjoys cooking, exercising, traveling, and photography. Her favorite quote, “To fully enjoy life, all of us must find our own breathing space and peace of mind.” ~ James E. Faust
Securities Agent: MA, DE, CT, NJ, VA, TX, VT, TN, MD, FL, PA, NY, CA, WA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1674826
NMLS#: 1674826
Contact James Harmon
Contact Lainie Small
Wealth Management
Global Investment Office
Portfolio Insights
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
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
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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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
Ready to start a conversation? Contact Harmon / Small Group today.
1Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC 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
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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, charitable giving, philanthropic planning and other legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan Stanley 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.
7Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
8Morgan 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.
9Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
10Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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, charitable giving, philanthropic planning and other legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan Stanley 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.
7Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
8Morgan 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.
9Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
10Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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)
