Yvette-Michelle Wynn
Senior Private Banker
Henry Cooperman, CLU®
Senior Vice President,
Financial Advisor
Direct:
(203) 894-3041(203) 894-3041
Toll-Free:
(833) 220-7204(833) 220-7204
My Mission Statement
Financial planning with common sense and experience.
MY STORY
Henry Cooperman is an accomplished and integral Financial Advisor and Senior Vice President to The Litchfield Hills Group. With a career of over 20 years in the field, Henry has established himself as a trusted and knowledgeable professional. He has a vast knowledge in many avenues of Wealth Management, but he focuses on in wealth accumulation and protection of wealth for retirement. This focus, as well as Henry’s deep understanding of the market and current events has demonstrated his commitment to delivering exceptional service and fostering long-term client relationships.
Henry's educational background and licensing credentials exemplify his commitment to excellence. He holds the Chartered Life Underwriter (CLU) designation, which illustrates his deep understanding of life insurance and estate planning strategies. This ensures his clients receive comprehensive and tailored solutions in these areas.
His passion for helping individuals and families make informed financial decisions and his commitment to providing exceptional service make him essential to The Litchfield Hills Group, Morgan Stanley, and the clients he serves.
Henry enjoys spending time with his wife, Trudy, and his family. He is also an active community member in his hometown of Sherman, CT. He serves as the Community Service President for JCC in Sherman, whose mission is to provide high quality educational, cultural, and social programs to the local and surrounding communities.
Henry's educational background and licensing credentials exemplify his commitment to excellence. He holds the Chartered Life Underwriter (CLU) designation, which illustrates his deep understanding of life insurance and estate planning strategies. This ensures his clients receive comprehensive and tailored solutions in these areas.
His passion for helping individuals and families make informed financial decisions and his commitment to providing exceptional service make him essential to The Litchfield Hills Group, Morgan Stanley, and the clients he serves.
Henry enjoys spending time with his wife, Trudy, and his family. He is also an active community member in his hometown of Sherman, CT. He serves as the Community Service President for JCC in Sherman, whose mission is to provide high quality educational, cultural, and social programs to the local and surrounding communities.
Securities Agent: CO, MA, WI, TX, NJ, VT, NV, NM, LA, CA, OR, MN, IN, GA, DE, PA, VA, NY, NC, ME, AZ, WA, MO, IL, DC, FL, MI, MD, KY, IA, CT, SC, OH; General Securities Representative; Investment Advisor Representative
NMLS#: 1600240
NMLS#: 1600240
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
WORKING WITH YOU
I believe that identifying financial solutions begins with a solid understanding of each client's situation, goals, objectives and risk tolerance. I follow a disciplined process that enables us to work with you to craft a solution that helps to meet your individual financial needs:
- Develop a thorough understanding of your financial goals and objectives
- Review and analyze your current financial situation
- Identify and tailor solutions that can help you meet your individual needs
- Implement your customized strategy, including personalized services and benefits
- Review your strategy, meeting periodically to discuss your goals and needs
Whatever your financial goal—whether to grow your wealth, preserve it or pass it on to others, you can count on us to help you with a strategy that is:
- Personal
- Highly individualized and committed to helping you achieve financial success
- Flexible
- Responsive to changes in your life and in your priorities over time
- Comprehensive
- Covering a broad array of investment products and services, with preferred benefits tied to your valued status with us
MY CLIENTS
Corporate and Business Solutions
For sole proprietors, business owners and corporations--including their employees and key executives--we can provide access to a variety of retirement plans, corporate equity solutions, and business lending services to help meet the needs of your organization.
- 401(k) Plans
- Business Cash Management and Lending
- Nonqualified Deferred Compensation Plans
- Profit Sharing and Money Purchase Plans
- SEP, SIMPLE and SAR-SEP Plans
Investments, Cash Management and Lending
I offer an array of solutions for both your near-term priorities and long-term objectives.
- 529 Plans
- Annuities
- Cash Management Services
- Closed-End Funds
- Equities
- Fixed Income
- Alternative Investments
- IRAs
- Mutual Funds
- Structured Investments
Managed Accounts and Advisory Solutions
With our Managed Accounts and Advisory Solutions, we will work with you to develop and monitor an individual portfolio that is tailored to your personal objectives. Our solutions provide customized portfolio construction and asset allocation, as well as professional portfolio management. You can select from a wide range of programs--each with their own unique features, and all based on the firm's consultative approach to investing.
- Financial Advisor- and Client-Directed Programs
- Mutual Fund Advisory Program
- Unified Managed Account Program
Personal Retirement Planning
I can work with you to identify your individual retirement needs and create an action plan for helping to achieve the retirement lifestyle you imagine.
- Annuities
- IRA Rollovers
- Roth Conversions
- Traditional, Roth, Inherited IRAs
Planning
Careful planning can be crucial to nearly any financial goal. I can assist you with reviewing your situation and help determine appropriate strategies.
- Education Planning
- Estate Planning Strategies
- Financial Planning and Financial Goal Analysis
- Life Insurance
- Long Term Care Insurance
- Personal Trust
- Retirement Planning
Client Service Team
Danielle Johnson - Senior Registered Client Service Associate
Phone:
(203) 894-3008(203) 894-3008
Email:Danielle.Johnson@morganstanley.com
Location
90 Grove St
Ridgefield, CT 06877
US
Direct:
(203) 894-3041(203) 894-3041
Toll-Free:
(833) 220-7204(833) 220-7204
Fax:
(716) 236-9759(716) 236-9759
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
Mary Gelfand
Financial Planning Director
Chris Smith
Trust Specialist
Angelo Loumbas
Family Office Resource Generalist
About Yvette-Michelle Wynn
Yvette-Michelle Wynn is a Senior Private Banker serving Morgan Stanley Wealth Management offices in New York and Connecticut.
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.
Yvette joined Morgan Stanley in 2010. Prior to joining the firm, she was a Private Bank Sales Director for the Bank of New York. While at Bank of New York, her roles included Private Bank Relationship Manager, Regional Sales Manager and Branch Manager. She began her career as a personal financial planner at IDS Financial Services, now known as Ameriprise Financial.
Yvette is a graduate of Pace University, where she received a Bachelor of Business Administration in Finance. She is also a graduate of Fordham University, where she received a Master of Economics, and New York University, where she received a Master of Arts & Sciences in Liberal Studies. Additionally, Yvette earned a Professional Diploma in Credit Analysis from NYU.
Within the firm, Yvette serves as Co-COO of U.S. Banks BLEND (Black & Latino Employees for Network & Development), Membership & Community Working Group of the Black Employee Network (BEN), facilitator for the BEN Allyship series and is a #IamRemarkable facilitator. She was also inducted to the MAKERS Class of 2020 at Morgan Stanley. Outside of the office, she dedicates her time to community and faith organizations including President of the Metropolitan Association, United Church of Christ (UCC) and President of the Estate Planning Council of Westchester Counties Inc. She serves on the board of United Church Funds, Children’s Village and co-chairs the Loan Committee of Committee for Community Capital of New York, a Community Development Financial Institution (CDFI). She is active with Alpha Kappa Alpha (AKA) Sorority Incorporated and served as a Graduate Advisor. Yvette is active in ministry studies, dances hula and enjoys figure skating, tennis and traveling.
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.
Yvette joined Morgan Stanley in 2010. Prior to joining the firm, she was a Private Bank Sales Director for the Bank of New York. While at Bank of New York, her roles included Private Bank Relationship Manager, Regional Sales Manager and Branch Manager. She began her career as a personal financial planner at IDS Financial Services, now known as Ameriprise Financial.
Yvette is a graduate of Pace University, where she received a Bachelor of Business Administration in Finance. She is also a graduate of Fordham University, where she received a Master of Economics, and New York University, where she received a Master of Arts & Sciences in Liberal Studies. Additionally, Yvette earned a Professional Diploma in Credit Analysis from NYU.
Within the firm, Yvette serves as Co-COO of U.S. Banks BLEND (Black & Latino Employees for Network & Development), Membership & Community Working Group of the Black Employee Network (BEN), facilitator for the BEN Allyship series and is a #IamRemarkable facilitator. She was also inducted to the MAKERS Class of 2020 at Morgan Stanley. Outside of the office, she dedicates her time to community and faith organizations including President of the Metropolitan Association, United Church of Christ (UCC) and President of the Estate Planning Council of Westchester Counties Inc. She serves on the board of United Church Funds, Children’s Village and co-chairs the Loan Committee of Committee for Community Capital of New York, a Community Development Financial Institution (CDFI). She is active with Alpha Kappa Alpha (AKA) Sorority Incorporated and served as a Graduate Advisor. Yvette is active in ministry studies, dances hula and enjoys figure skating, tennis and traveling.
NMLS#: 796676
About Mary Gelfand
Mary Gelfand is a vice president and financial planning director, serving Morgan Stanley’s Wealth Management offices in Westchester County, NY and Fairfield County, CT. She is responsible for helping financial advisors with their clients’ and prospects’ financial planning needs.
Mary began her career in financial services in 2003 and joined Morgan Stanley in 2024. Prior to her current position, she worked for Fidelity Investments, Smith Barney, and Ameriprise.
Mary graduated from the University of Florida and holds her CERTIFIED FINANCIAL PLANNER™ designation. Mary lives in Westchester County, NY with her husband and children. Outside of work, Mary is an advocate for children’s healthcare and serves on the Family Advisory Council for the Morgan Stanley Children’s Hospital of NY.
Mary began her career in financial services in 2003 and joined Morgan Stanley in 2024. Prior to her current position, she worked for Fidelity Investments, Smith Barney, and Ameriprise.
Mary graduated from the University of Florida and holds her CERTIFIED FINANCIAL PLANNER™ designation. Mary lives in Westchester County, NY with her husband and children. Outside of work, Mary is an advocate for children’s healthcare and serves on the Family Advisory Council for the Morgan Stanley Children’s Hospital of NY.
About Chris Smith
Chris Smith is an Executive Director and Head of Morgan Stanley’s Trust Services Group. As a 30-year employee of Morgan Stanley, Chris is responsible for maintaining the “Open Architecture” trustee platform, which consists of thirteen third-party trust companies who can serve in a fiduciary, agency or custodial role for ultra-high-net worth client trust accounts. Chris and the Trust Services Group help Advisors, clients, prospects and the professional community understand the corporate trustee services available through Morgan Stanley and how our corporate trustee partners can be used to provide fiduciary solutions for clients. This involves reviewing trust document and statements as well as analyzing family dynamics. Chris then uses this information to recommend one or more of the firm’s third-party corporate trustee partners to possibly serve as trustee, co-trustee or administrative agent for a client trust account.
Prior to joining Morgan Stanley (Dean Witter), Chris worked in the Retirement Plans department of Prudential Securities and prior to that the District Agency department of Prudential Insurance Company. Chris holds a Bachelor of Arts degree in Communication/Journalism and Psychology from St. John Fisher College in Rochester, NY. He lives in Saratoga Springs, NY with his wife Sharon and two boys, Ryan and Michael and has a passion for golf, skiing and horse racing.
Prior to joining Morgan Stanley (Dean Witter), Chris worked in the Retirement Plans department of Prudential Securities and prior to that the District Agency department of Prudential Insurance Company. Chris holds a Bachelor of Arts degree in Communication/Journalism and Psychology from St. John Fisher College in Rochester, NY. He lives in Saratoga Springs, NY with his wife Sharon and two boys, Ryan and Michael and has a passion for golf, skiing and horse racing.
About Angelo Loumbas
Angelo is the Family Office Resources Generalist for Family Office Resources in the New York Metro and New England regions. Angelo provides specialized knowledge to ultra-high net worth clients and their Morgan Stanley Financial Advisors across a broad range of family wealth management issues, including family governance/dynamics, wealth education, strategic estate and financial planning, philanthropy management, lifestyle advisory and customized asset allocation and portfolio construction. Angelo has over twenty-five years experience advising wealthy families, business owners, and philanthropic organizations.
Originally from Chicago, Angelo practiced law for 15 years and represented ultra-high net worth clients and the businesses they owned, as well as major philanthropic organizations. Angelo is admitted to the Society of Trust and Estate Practitioners. He has spoken on topics such as “Conditions Suggesting a Management Buyout” before the Chicago Bar Association Corporation and Business Law Committee, “Tax Consequences of Intra-Family Loans,” before the Chicago Bar Association Trust Law Committee, and “Conversations about Wealth and Philanthropy with Prospective Donors” before the Chicago Council on Planned Giving.
Prior to rejoining Morgan Stanley in his current position in 2018, Angelo advised wealthy clients in the financial services industry for 10 years, first as a Wealth Strategist with US Trust in Chicago, then a Wealth and Estate Planning Specialist within Family Office Resources in Chicago, and finally as a Senior Wealth Planning Strategist for the Wells Fargo Private Bank in Greenwich, Connecticut. Angelo earned his B.A. from DePauw University, his M.B.A. from the University of Notre Dame, and his law degree from Indiana University at Bloomington. He is Series 7, 66 and 24 licensed. Angelo served as President of the Rotary Club of Chicago (“ROTARY/One”), the world’s first Rotary club, in 2009-2010, and now lives in Armonk, New York with his wife, a native New Yorker, and their two children.
Originally from Chicago, Angelo practiced law for 15 years and represented ultra-high net worth clients and the businesses they owned, as well as major philanthropic organizations. Angelo is admitted to the Society of Trust and Estate Practitioners. He has spoken on topics such as “Conditions Suggesting a Management Buyout” before the Chicago Bar Association Corporation and Business Law Committee, “Tax Consequences of Intra-Family Loans,” before the Chicago Bar Association Trust Law Committee, and “Conversations about Wealth and Philanthropy with Prospective Donors” before the Chicago Council on Planned Giving.
Prior to rejoining Morgan Stanley in his current position in 2018, Angelo advised wealthy clients in the financial services industry for 10 years, first as a Wealth Strategist with US Trust in Chicago, then a Wealth and Estate Planning Specialist within Family Office Resources in Chicago, and finally as a Senior Wealth Planning Strategist for the Wells Fargo Private Bank in Greenwich, Connecticut. Angelo earned his B.A. from DePauw University, his M.B.A. from the University of Notre Dame, and his law degree from Indiana University at Bloomington. He is Series 7, 66 and 24 licensed. Angelo served as President of the Rotary Club of Chicago (“ROTARY/One”), the world’s first Rotary club, in 2009-2010, and now lives in Armonk, New York with his wife, a native New Yorker, and their two children.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Tax-Smart Ways to Sell Securities
How investors can tap their portfolios in tax-savvy ways.
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact Henry Cooperman today.
1Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
2When 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.
3Morgan 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.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
7Morgan 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.
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
2When 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.
3Morgan 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.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
7Morgan 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.
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)
