John Toomey, CRPS®
Executive Director, Financial Advisor, Family Wealth Director
Phone:
(617) 946-5101(617) 946-5101
The City Point Wealth Management Group at Morgan Stanley
Direct:
(617) 946-5101(617) 946-5101
Toll-Free:
(800) 829-9199(800) 829-9199
Our Mission Statement
Our mission is to oversee a personalized investment framework that supports your lifestyle.
About Us
The City Point Wealth Management Group (CPWM) at Morgan Stanley is a boutique wealth management practice seeking to provide exemplary service and holistic advice to help families and organizations achieve their financial planning, investment, wealth transfer and philanthropic goals.
CPWM was recently formed through the merger of two groups – The Toomey Waterman Group and The Hood Collins Group. Now a six-member team with diverse backgrounds and a strong moral compass, we work with affluent individuals, multi-generational families, foundations and organizations who value close relationships with seasoned advisors.
The decision to combine teams was made so that we may serve our clients more efficiently with more resources and more diversity of thought and talent. Our goal has always been to provide superior service and results to those who put their faith in us. This merger gives us the best opportunity to do so. We look forward to continuing to advise you and your families through all of life’s twists and turns.
Charting a clear and confident course to financial success begins with understanding your values, priorities, and goals for the future. Working together, we define what is most important to you and your family. Using that information, we then develop the appropriate strategies to help you achieve those goals. Through each step, we provide objective advice and investment insights to construct a plan that is uniquely yours.
It is truly a privilege and a responsibility to advise our clients. We realize that relationships are built over time and trust must be earned. Our commitment to our clients is to continually strive to earn that trust throughout our relationship.
Working closely with your other advisors who provide tax and legal advice enables us to maximize the benefits of strategies implemented.
Please contact us to discuss how we may be able to guide you going forward.
CPWM was recently formed through the merger of two groups – The Toomey Waterman Group and The Hood Collins Group. Now a six-member team with diverse backgrounds and a strong moral compass, we work with affluent individuals, multi-generational families, foundations and organizations who value close relationships with seasoned advisors.
The decision to combine teams was made so that we may serve our clients more efficiently with more resources and more diversity of thought and talent. Our goal has always been to provide superior service and results to those who put their faith in us. This merger gives us the best opportunity to do so. We look forward to continuing to advise you and your families through all of life’s twists and turns.
Charting a clear and confident course to financial success begins with understanding your values, priorities, and goals for the future. Working together, we define what is most important to you and your family. Using that information, we then develop the appropriate strategies to help you achieve those goals. Through each step, we provide objective advice and investment insights to construct a plan that is uniquely yours.
It is truly a privilege and a responsibility to advise our clients. We realize that relationships are built over time and trust must be earned. Our commitment to our clients is to continually strive to earn that trust throughout our relationship.
Working closely with your other advisors who provide tax and legal advice enables us to maximize the benefits of strategies implemented.
Please contact us to discuss how we may be able to guide you going forward.
Services Include
- 401(k) Rollovers
- Alternative InvestmentsFootnote1
- Business PlanningFootnote2
- Cash Management and Lending ProductsFootnote3
- Estate Planning StrategiesFootnote4
- Executive Financial ServicesFootnote5
- Financial PlanningFootnote6
- Professional Portfolio ManagementFootnote7
- Retirement PlanningFootnote8
- Stock Plan ServicesFootnote9
- Trust ServicesFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Cash Management & Lending Solutions
At Morgan Stanley, we recognize your unique needs that require dedicated experience and capabilities. Our goal is to help simplify your financial life with a combination of cash management and lending solutions designed to complement your investment strategy and support your financial goals.
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Tax Management Services
Taxes can make a big difference over the long run in helping meet financial goals – so you need a tax-smart edge. Learn how Morgan Stanley Tax Management Services can help efficiently manage your capital gains with a complimentary and fully personalized experience.
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Morgan Stanley Family Office Resources
When it comes to providing institutional-level support for your family office, scale matters. Our offering aims to bring together specialized investment services and operational support to enhance your life and legacy.
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Morgan Stanley At Work
There’s no better investment your company can make than in the people that power it. That’s why Morgan Stanley at Work delivers workplace financial solutions that can help employees build financial well-being—and help you attract and retain top talent.
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Estate Planning
Creating an estate plan can help protect your wealth and prevent hardship for your heirs. Here are seven steps to help simplify the process
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Equity Award Analysis
A more informed view of your equity awards can help you see how they might fit into your broader financial picture and help you towards achieving your goals.
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Alternative Investments
Individuals and institutions can gain access to exclusive offerings, preeminent fund managers and innovative investment opportunities spanning private equity, private credit, real assets, hedge funds and more.
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Morgan Stanley Online
Morgan Stanley Online has a suite of features that allow you to manage your everyday finances from paying bills, spending and budgeting and sending money to transferring funds and authorizing transactions with eAuthorization.
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Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
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eDelivery
eDelivery provides you with the ability to view statements and other documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
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Total Wealth View
View all your external financial accounts directly in Morgan Stanley Online or the mobile app. By linking your accounts, you’ll benefit from more informed wealth planning, secure data access and convenient connectivity.
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Goals Planning System
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
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Portfolio Risk Platform
Research, technology and innovation are powerful guides to managing risks. Morgan Stanley’s Portfolio Risk Platform —powered by a combination of Morgan Stanley and Blackrock’s Aladdin analytics, brings a unique approach to risk management
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Cybersecurity
Safeguarding your assets and information is one of our highest priorities, but you also have a critical role to play. Check out our collection of practical takeaways and best practices from our cybersecurity professionals, then explore a few of the ways we help protect you.
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Our team is here to help you navigate the current market environment and what it means for portfolios. These are some resources meant to transform complex financial analysis and research into concise and easily digestible content. The links below offer insight into the modern market and economic landscape.
Monthly On the Markets
Monthly market insights provided by Morgan Stanley's leading Investment Strategists, considered our clients' destination of choice for latest research on the market.
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Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
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Short, thoughtful and regular takes on recent events in the markets from a variety of perspectives and voices within Morgan Stanley.
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Global Investment Office
The Morgan Stanley Global Investment Office provides you with world-class thought leadership timely market commentary, and portfolio ideas to help guide your investment decisions.
Morgan Stanley Portfolio InsightsLocation
28 State Street 26th
Fl
Boston, MA 02109
US
Direct:
(617) 946-5101(617) 946-5101
Toll-Free:
(800) 829-9199(800) 829-9199
2 North Tamiami Trail
Suite 1100
Sarasota, FL 34236
US
Meet The City Point Wealth Management Group
Kevin Collins, CFP®
Senior Vice President, Financial Advisor, Senior Portfolio Manager, CERTIFIED FINANCIAL PLANNER®, Alternative Investments Director
Phone:
(617) 589-3247(617) 589-3247
David Hood, CFA
Senior Vice President, Financial Advisor, Senior Portfolio Manager, Chartered Financial Analyst, Alternative Investments Director
Phone:
(941) 364-3550(941) 364-3550
Phone:
(617) 589-3429(617) 589-3429
Nicole Deasy
Portfolio Associate
Phone:
(617) 748-5862(617) 748-5862
Catherine Callahan
Portfolio Associate
Phone:
(617) 478-6524(617) 478-6524
About John Toomey
John brings over 20 years of wealth management experience to his clients, with the goal of servicing affluent clients and families on a comprehensive basis. John was in a leadership role at Morgan Stanley for almost ten years helping to lead and grow the Morgan Stanley franchise on the South Shore and Cape Cod.
John’s affinity for wealth management is rooted in his appreciation for delivering advice while educating his clients on complex issues. John grew up in a family of educators, his mother, brother and several aunts and uncles having taught at the elementary, secondary and college levels.
His belief in the educational process led him to successfully complete the Morgan Stanley Family Wealth Director program; achieving the designation of Family Wealth Director. John is part of a select group of highly trained advisors serving clients with complex needs. This designation is for advisors who demonstrate specialized expertise in offering advanced planning, by delivering resources needed to help affluent families to address complex, multi-generational challenges of managing significant wealth. John and Mike consistently focus on wealth transfer, family dynamics, asset management, risk management, lending, philanthropy, business succession planning, monetizing business ownership and control, and restricted securities of corporate executives.
John has obtained the advanced designation of Chartered Retirement Plans Specialist and is a Senior Portfolio Manager within Morgan Stanley.
In his spare time, John enjoys spending time with his wife Stephanie and their three children and five grandchildren. John and Stephanie are very actively involved in multiple local charities, including the All Dorchester Sports and Leadership program, Boston Children’s Hospital Blood Donation Center and Dress for Success. John enjoys staying active, having recently competed in the Haymakers for Hope Charity Boxing Event.
John’s affinity for wealth management is rooted in his appreciation for delivering advice while educating his clients on complex issues. John grew up in a family of educators, his mother, brother and several aunts and uncles having taught at the elementary, secondary and college levels.
His belief in the educational process led him to successfully complete the Morgan Stanley Family Wealth Director program; achieving the designation of Family Wealth Director. John is part of a select group of highly trained advisors serving clients with complex needs. This designation is for advisors who demonstrate specialized expertise in offering advanced planning, by delivering resources needed to help affluent families to address complex, multi-generational challenges of managing significant wealth. John and Mike consistently focus on wealth transfer, family dynamics, asset management, risk management, lending, philanthropy, business succession planning, monetizing business ownership and control, and restricted securities of corporate executives.
John has obtained the advanced designation of Chartered Retirement Plans Specialist and is a Senior Portfolio Manager within Morgan Stanley.
In his spare time, John enjoys spending time with his wife Stephanie and their three children and five grandchildren. John and Stephanie are very actively involved in multiple local charities, including the All Dorchester Sports and Leadership program, Boston Children’s Hospital Blood Donation Center and Dress for Success. John enjoys staying active, having recently competed in the Haymakers for Hope Charity Boxing Event.
Securities Agent: RI, NY, NV, ME, GA, CA, WA, NJ, MO, OR, NM, FL, DE, CT, NC, VA, NH, LA, IN, AR, AL, UT, MI, KS, NE, MA, DC, WI, VT, PA, CO, AZ, TN, SC, TX, OH; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 395014
NMLS#: 395014
About Kevin Collins
Kevin Collins is a founding member at The City Point Wealth Management Group at Morgan Stanley. He comes from an engineering background but now focuses his energies on some of the most complex and sophisticated wealth and tax planning investment strategies. As a member of the team and with 30 years of experience, Kevin specifically focuses his energy on client relationships, investment strategies, portfolio evaluation, financial planning, liability management, and capital market transactions.
He was born and raised in NYC, his family moved to Nashua, NH in his teen years and he grew to love the area of New England. His grandparents immigrated from Ireland during the depression to seek a better life and imbedded a deep focus on education and knowledge on their children and grandchildren. He is proud that among his children, siblings and nieces and nephews and their spouses, there are nine doctorates and fifteen advance degrees in the science and healthcare fields.
Kevin is married to his college sweetheart, Donna for the past 30 years and they have two grown children, Joe and Abby. Donna is a 5th grade teacher and they are both very active in the Nashua community, supporting local children focus groups such as the Boys and Girls Club and PAL.
Kevin has an electrical engineering degree from University of New Hampshire and an MBA in Finance from the Wharton School of University of Pennsylvania. He is a Certified Financial Planner (CFP).
He was born and raised in NYC, his family moved to Nashua, NH in his teen years and he grew to love the area of New England. His grandparents immigrated from Ireland during the depression to seek a better life and imbedded a deep focus on education and knowledge on their children and grandchildren. He is proud that among his children, siblings and nieces and nephews and their spouses, there are nine doctorates and fifteen advance degrees in the science and healthcare fields.
Kevin is married to his college sweetheart, Donna for the past 30 years and they have two grown children, Joe and Abby. Donna is a 5th grade teacher and they are both very active in the Nashua community, supporting local children focus groups such as the Boys and Girls Club and PAL.
Kevin has an electrical engineering degree from University of New Hampshire and an MBA in Finance from the Wharton School of University of Pennsylvania. He is a Certified Financial Planner (CFP).
Securities Agent: TN, MO, AZ, RI, NJ, ME, IN, AL, MA, GA, CT, NV, FL, AR, WA, OH, LA, PA, NC, NY, SC, NH, DE, CO, WI, NE, MI, KS, DC, CA, VT, VA, TX, OR, NM; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1605681
NMLS#: 1605681
About David Hood
David Hood is a founding member of The City Point Wealth Management Group at Morgan Stanley. He serves as Senior Vice President and has been with Morgan Stanley for the last 10+ years. His responsibilities at The Hood Collins Group includes managing client relationships, financial planning, portfolio construction, evaluation, and monitoring. David has extensive industry experience with over 30 years that started at Drexel Burnham Lambert, and then Bear Stearns where he was a Managing Director.
Throughout his career, he has valued becoming more educated. David has completed various financial college courses earlier in his career at Northeastern as well as other universities. In 1994, David earned a CFA designation which entailed 3 years of vigorous study encompassing, accounting, security evaluation, ethics, portfolio management, and other topics. David holds relevant security and insurance licenses. More recently David earned Senior Portfolio Manager Designation in 2020 and is well versed in alternative investments.
David works closely with his experienced team to help establish client plans that closely align with their goals. Every client is unique and we work hard to make sure each and every client has a high standard of care with appropriate strategies based on their circumstances. David and his team collaborate daily to stay on top of current events and to make sure they are taking advantage of all of Morgan Stanley’s resources to the benefit of their clients.
When David is out of the office, he enjoys spending time with his wife Ellen of 36 years. David and Ellen will often travel with their 3 adult children, along their wives/partners, and his 2 grandchildren. David enjoys fly-fishing, playing golf & tennis, watching many sports, visiting museums and listening to music. David supports many charities for those less fortunate which include Bay Cove serving the Boston area.
Throughout his career, he has valued becoming more educated. David has completed various financial college courses earlier in his career at Northeastern as well as other universities. In 1994, David earned a CFA designation which entailed 3 years of vigorous study encompassing, accounting, security evaluation, ethics, portfolio management, and other topics. David holds relevant security and insurance licenses. More recently David earned Senior Portfolio Manager Designation in 2020 and is well versed in alternative investments.
David works closely with his experienced team to help establish client plans that closely align with their goals. Every client is unique and we work hard to make sure each and every client has a high standard of care with appropriate strategies based on their circumstances. David and his team collaborate daily to stay on top of current events and to make sure they are taking advantage of all of Morgan Stanley’s resources to the benefit of their clients.
When David is out of the office, he enjoys spending time with his wife Ellen of 36 years. David and Ellen will often travel with their 3 adult children, along their wives/partners, and his 2 grandchildren. David enjoys fly-fishing, playing golf & tennis, watching many sports, visiting museums and listening to music. David supports many charities for those less fortunate which include Bay Cove serving the Boston area.
Securities Agent: ME, DC, NE, IN, DE, AR, NJ, NM, NC, GA, WI, NH, KS, AL, SC, PA, OR, TX, LA, CO, WA, VT, RI, MI, MA, FL, VA, MO, CT, UT, CA, AZ, TN, OH, NY, NV; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1440023
NMLS#: 1440023
About Jon Sullivan
Jon joined Morgan Stanley in 2017 after spending 12 years in the financial services industry as a consultant to financial advisors. Over his years at Morgan Stanley he has built strong relationships with his clients by taking the time to educate on various subjects such as wealth transfer, cash management, asset allocation, and keeping more of what you earn by utilizing firm resources. Not only does he work with his clients but also his client’s professional advisors such as CPA’s and Attorneys which has helped create a team environment for his client’s success in meeting personal and financial goals.
Jon has been a recipient of the Pacesetter’s Club Award 3 years in a row given by Morgan Stanley to those financial advisors that have demonstrated the highest professional standards and first class service.
Jon grew up in the Boston area and graduated from Bridgewater State College in 2003 with a Bachelor’s degree in Political Science. While he was there he was selected an All-American for the varsity football team.
Outside of the office Jon is busy raising his two young children, Michael and Grace with his wife Jennifer in the town of Sudbury. He's also maintained an interest in helping causes by serving on the board of Sudbury for Wounded Warriors which assists in raising funds for the Home Base Program.
Jon has been a recipient of the Pacesetter’s Club Award 3 years in a row given by Morgan Stanley to those financial advisors that have demonstrated the highest professional standards and first class service.
Jon grew up in the Boston area and graduated from Bridgewater State College in 2003 with a Bachelor’s degree in Political Science. While he was there he was selected an All-American for the varsity football team.
Outside of the office Jon is busy raising his two young children, Michael and Grace with his wife Jennifer in the town of Sudbury. He's also maintained an interest in helping causes by serving on the board of Sudbury for Wounded Warriors which assists in raising funds for the Home Base Program.
Securities Agent: NJ, AZ, VA, TN, SC, NV, NE, MI, ME, CO, AR, WI, RI, NY, NH, MO, MA, KY, CA, TX, OH, GA, DC, NC, IL, DE, CT, LA, KS, FL, OR, AL, PA, NM, MD, VT, WA, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 1680479
NMLS#: 1680479
About Nicole Deasy
Nicole is a Registered Associate. She holds both an Associate’s degree in Accounting and a Bachelor’s degree in Finance from Kutztown University. She worked in various areas of the accounting field before moving to Massachusetts and beginning her career with Morgan Stanley in March 2018.
She lives on Cape Cod and spends most of her time with her husband and their dog. She enjoys staying active outdoors, reading, and volunteering with local charities.
She lives on Cape Cod and spends most of her time with her husband and their dog. She enjoys staying active outdoors, reading, and volunteering with local charities.
About Catherine Callahan
Catherine began her career in finance working with institutional clients and is excited about the transition to working in wealth management for families and individuals.
With our team, she will provide exemplary and comprehensive support and guidance. This is made possible by her long tenured career and experience in the financial Industry.
Outside of the office, Catherine lives North of Boston with her daughter. She enjoys gardening, is active in her community with volunteering for seniors, hospice care and a local historical preservation society.
With our team, she will provide exemplary and comprehensive support and guidance. This is made possible by her long tenured career and experience in the financial Industry.
Outside of the office, Catherine lives North of Boston with her daughter. She enjoys gardening, is active in her community with volunteering for seniors, hospice care and a local historical preservation society.
Contact John Toomey
Contact Kevin Collins
Contact David Hood
Contact Jon Sullivan
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
Jessica Birkins
Private Banker
Van Liao, CFP®
Financial Planning Director, Vice President
About Jessica Birkins
Jessica Birkins is a Private Banker serving Morgan Stanley Wealth Management offices in Massachusetts.
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.
Jessica began her career in financial services in 2010, and joined Morgan Stanley in 2017 as a Associate Private Banker. Prior to joining the firm, she was a Team Leader and Internal Wholesaler at Eaton Vance.
Jessica is a graduate of the Connecticut College, where she received a Bachelor of Arts in Economics. She lives in Scituate, Massachusetts with her family. Outside of the office, Jessica enjoys spending time with her family, running, and reading.
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.
Jessica began her career in financial services in 2010, and joined Morgan Stanley in 2017 as a Associate Private Banker. Prior to joining the firm, she was a Team Leader and Internal Wholesaler at Eaton Vance.
Jessica is a graduate of the Connecticut College, where she received a Bachelor of Arts in Economics. She lives in Scituate, Massachusetts with her family. Outside of the office, Jessica enjoys spending time with her family, running, and reading.
NMLS#: 1699963
About Van Liao
Van Liao is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Boston, MA. She is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Van began his career in financial services in 2006 and joined Morgan Stanley in 2022. Prior to her current position, she was the Sr. Financial Planning Consulting at Citizens Securities, Inc., working closely with financial advisors and their clients on achieving financial success through a holistic approach of financial planning. Before joining Citizens Securities, Inc., Van was with LPL Financial as a Sr. Financial Planning Consultant, where she coached over 3,800 advisors to create comprehensive, client-focused financial plans. Van also spent about 6 years at Wells Fargo Family Wealth, where she collaborated with financial advisors and investment professionals to provide specialized advisory services to high and ultra-high net worth families and business owners.
Van graduated from Clark University with a B.A. in Business Management and M.S. in Finance. She also holds her Certified Financial Planner®. Van is an active member of the Financial Planning Association of New England. She dedicates her time and effort to promoting the planning profession, empowering financial literacy, and building a strong professional community. Van also serves on the Women's Initiative Committee and the DEI Committee and is an active advocate for women and minorities.
Van is of Chinese descent and was born and raised in Ho Chi Minh City, Vietnam. She speaks fluent Vietnamese and Chinese (both Cantonese and Mandarin). Van believes her multi-cultural background has enriched her life in so many ways, personally and professionally.
Van resides in Quincy, MA, with her family, including her husband, her two boys, and a beautiful Siamese cat, Yoyo. Outside of work, Van enjoys traveling, cooking, and spending precious times with her boys.
Van began his career in financial services in 2006 and joined Morgan Stanley in 2022. Prior to her current position, she was the Sr. Financial Planning Consulting at Citizens Securities, Inc., working closely with financial advisors and their clients on achieving financial success through a holistic approach of financial planning. Before joining Citizens Securities, Inc., Van was with LPL Financial as a Sr. Financial Planning Consultant, where she coached over 3,800 advisors to create comprehensive, client-focused financial plans. Van also spent about 6 years at Wells Fargo Family Wealth, where she collaborated with financial advisors and investment professionals to provide specialized advisory services to high and ultra-high net worth families and business owners.
Van graduated from Clark University with a B.A. in Business Management and M.S. in Finance. She also holds her Certified Financial Planner®. Van is an active member of the Financial Planning Association of New England. She dedicates her time and effort to promoting the planning profession, empowering financial literacy, and building a strong professional community. Van also serves on the Women's Initiative Committee and the DEI Committee and is an active advocate for women and minorities.
Van is of Chinese descent and was born and raised in Ho Chi Minh City, Vietnam. She speaks fluent Vietnamese and Chinese (both Cantonese and Mandarin). Van believes her multi-cultural background has enriched her life in so many ways, personally and professionally.
Van resides in Quincy, MA, with her family, including her husband, her two boys, and a beautiful Siamese cat, Yoyo. Outside of work, Van enjoys traveling, cooking, and spending precious times with her boys.
Wealth Management
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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
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.
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Financial Planning for Life After Selling a Business
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Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
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Donor Advised Funds: A Smart Way to Manage Your Giving
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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 The City Point Wealth Management 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.
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.
2Morgan 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.
3Morgan 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
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan Stanley Smith Barney LLC (“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.
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.
7Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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 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.
9Morgan 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.
10Morgan 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.
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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.
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
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.
2Morgan 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.
3Morgan 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
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan Stanley Smith Barney LLC (“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.
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.
7Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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 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.
9Morgan 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.
10Morgan 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.
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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)
