Louis Intorre, CRPC®
Senior Vice President, Financial Advisor
Phone:
(201) 712-4070(201) 712-4070
Intorre, Tracey at Morgan Stanley
Direct:
(201) 712-4070(201) 712-4070
Toll-Free:
(800) 488-0181(800) 488-0181
Our Mission Statement
The Intorre/Tracey group provides financial planning, tax efficient portfolio construction and liquidity management. We help clients manage both sides of the balance sheet through lending and cash flow optimization. We allow clients to enjoy life with the confidence that their goals and obligations are being met.
Intorre, Tracey Group at Morgan Stanley
Comprehensive wealth management takes a unique set of skills that go well beyond general financial planning and investment management. It takes a team of experienced professionals who have acquired the insights, wisdom and experience needed to tackle your family’s personal financial challenges.
The Intorre, Tracey Group at Morgan Stanley has over 50 years of combined experience who knows what it takes to help achieve results. With a deep history of client loyalty and enduring relationships, Lou and Brian focus on what is most important to you. They provide the skills, sophisticated strategies and disciplined process needed to help you make informed decisions about your future, your family and your finances with clarity and confidence.
Lou and Brian use their astute problem-solving skills coupled with an impassioned willingness to roll up their sleeves and identify forward-thinking strategies that can help meet and exceed your particular objectives. They believe the more complex your situation, the more valuable they are to you, and the more rewarding your overall experience can potentially be. Lou Intorre and Brian Tracey combine the world-class resources of a premium global firm, Morgan Stanley, with the intimate relationship you expect from a boutique firm.
The Intorre, Tracey Group are proud of the services and solutions they offer clients and welcome the opportunity to deliver the same white-glove service to you and your family.
The Intorre, Tracey Group at Morgan Stanley has over 50 years of combined experience who knows what it takes to help achieve results. With a deep history of client loyalty and enduring relationships, Lou and Brian focus on what is most important to you. They provide the skills, sophisticated strategies and disciplined process needed to help you make informed decisions about your future, your family and your finances with clarity and confidence.
Lou and Brian use their astute problem-solving skills coupled with an impassioned willingness to roll up their sleeves and identify forward-thinking strategies that can help meet and exceed your particular objectives. They believe the more complex your situation, the more valuable they are to you, and the more rewarding your overall experience can potentially be. Lou Intorre and Brian Tracey combine the world-class resources of a premium global firm, Morgan Stanley, with the intimate relationship you expect from a boutique firm.
The Intorre, Tracey Group are proud of the services and solutions they offer clients and welcome the opportunity to deliver the same white-glove service to you and your family.
Services Include
- 401(k) Rollovers
- 529 PlansFootnote1
- Alternative InvestmentsFootnote2
- AnnuitiesFootnote3
- Asset Management
- Business PlanningFootnote4
- Business Succession PlanningFootnote5
- Cash ManagementFootnote6
- Divorce Financial AnalysisFootnote7
- Endowments and FoundationsFootnote8
- Estate Planning StrategiesFootnote9
- Exchange Traded FundsFootnote10
- Executive Benefit ServicesFootnote11
- Executive Financial ServicesFootnote12
- Financial PlanningFootnote13
- Fixed IncomeFootnote14
- Life InsuranceFootnote15
- Long Term Care InsuranceFootnote16
- Municipal BondsFootnote17
- Philanthropic Services
- Planning for Education FundingFootnote18
- Planning for Individuals with Special Needs
- Professional Portfolio ManagementFootnote19
- Qualified Plans
- Qualified Retirement PlansFootnote20
- Retirement PlanningFootnote21
- Sustainable InvestingFootnote22
- Structured ProductsFootnote23
- Structured Settlement Annuities
- SyndicateFootnote24
- UGMA/UTMAFootnote25
- Wealth Consulting
- Wealth ManagementFootnote26
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Addressing Your Specific Goals & Objectives
Years ago, when Lou and Brian began as Financial Advisor’s, they gave a lot of thought to the types of individuals and families they wanted to help. They asked themselves what are our strengths and skills, and who would best be served by our experience, perspectives and values.
Over the years, Lou and Brian have built a dynamic practice that consists of a broad range of clients:
- Highly successful individuals
- Families spanning multiple generations
- Retirees and individuals planning for retirement
- Business owners and corporate executives with concentrated wealth
- Professional real estate investors
- Entrepreneurs
- Widows and Widowers seeking guidance for themselves and their families
- Referrals from clients and industry professionals
While each client has a unique set of goals and circumstances, they collectively have one thing in common: they want to secure their financial future and pursue their personal ambitions. Lou and Brian help their clients understand their current situation and provide the clarity needed to navigate life-changing events with confidence.
These events include:
- A new job or career
- The transition to retirement
- The sale of a business
- A divorce or loss of a loved one
- The caring of an ill parent / family member
- A large inheritance
They also help clients:
- Save effectively so children can attend the colleges of their choice
- Plan for retirement
- Finance a major acquisition or strengthen a business
- Diversify highly concentrated positions
- Formulate tax efficient investment strategies
- Obtain Liquidity Access Line securities based loans for real estate, luxury purchases, general liquidity, business needs and tax payments
- Acquire mortgages including Interest – Only Mortgages
- Transfer wealth across generations
- Create a legacy plan to help preserve family harmony as well as assets
- Achieve philanthropic goals
As you work with Lou Intorre and Brian Tracey at Morgan Stanley, they are confident you will find the solutions recommended are carefully coordinated to provide the knowledge and insights needed to succeed in today’s fast-paced world. Lou and Brian are skilled at working closely with your various wealth professionals – such as your CPA, estate and / or business attorney and insurance professionals – and can recommend qualified local professionals should you need access to one.
Over the years, Lou and Brian have built a dynamic practice that consists of a broad range of clients:
- Highly successful individuals
- Families spanning multiple generations
- Retirees and individuals planning for retirement
- Business owners and corporate executives with concentrated wealth
- Professional real estate investors
- Entrepreneurs
- Widows and Widowers seeking guidance for themselves and their families
- Referrals from clients and industry professionals
While each client has a unique set of goals and circumstances, they collectively have one thing in common: they want to secure their financial future and pursue their personal ambitions. Lou and Brian help their clients understand their current situation and provide the clarity needed to navigate life-changing events with confidence.
These events include:
- A new job or career
- The transition to retirement
- The sale of a business
- A divorce or loss of a loved one
- The caring of an ill parent / family member
- A large inheritance
They also help clients:
- Save effectively so children can attend the colleges of their choice
- Plan for retirement
- Finance a major acquisition or strengthen a business
- Diversify highly concentrated positions
- Formulate tax efficient investment strategies
- Obtain Liquidity Access Line securities based loans for real estate, luxury purchases, general liquidity, business needs and tax payments
- Acquire mortgages including Interest – Only Mortgages
- Transfer wealth across generations
- Create a legacy plan to help preserve family harmony as well as assets
- Achieve philanthropic goals
As you work with Lou Intorre and Brian Tracey at Morgan Stanley, they are confident you will find the solutions recommended are carefully coordinated to provide the knowledge and insights needed to succeed in today’s fast-paced world. Lou and Brian are skilled at working closely with your various wealth professionals – such as your CPA, estate and / or business attorney and insurance professionals – and can recommend qualified local professionals should you need access to one.
The Planning Process
To reach your goals, you need a wealth plan informed by a comprehensive assessment of your current budget and finances, clear objectives and sound advice that puts you in the center of the process. The Intorre, Tracey Group at Morgan Stanley uses a four-step Goals Planning System (GPS) to create your personal roadmap towards financial achievement and protection.
1. Discover: Understand your values, objectives and quantify your goals.
2. Advise: Create a tailored wealth plan to help keep you on track.
3. Implement: Add value with tax-aware and cost-sensitive capabilities.
4. Track Progress: Know where you stand and adjust to your changing needs and the environment that changes around you.
Using advanced technology and years of industry experience, allows the team to develop a plan that includes not only investments, but also ways to help mitigate investment-related taxes, manage your everyday finances and address borrowing needs. Plus, the team provides regular progress updates so you can see whether your savings and spending habits are in line with your goals – making it easier for you to stay the course.
1. Discover: Understand your values, objectives and quantify your goals.
2. Advise: Create a tailored wealth plan to help keep you on track.
3. Implement: Add value with tax-aware and cost-sensitive capabilities.
4. Track Progress: Know where you stand and adjust to your changing needs and the environment that changes around you.
Using advanced technology and years of industry experience, allows the team to develop a plan that includes not only investments, but also ways to help mitigate investment-related taxes, manage your everyday finances and address borrowing needs. Plus, the team provides regular progress updates so you can see whether your savings and spending habits are in line with your goals – making it easier for you to stay the course.
LifeView - Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use to create a realistic, holistic strategy that integrates the various aspects of an individual's financial life, including investments and cash management needs.
LifeView QuestionnaireGoals Planning System
Our Goals Planning System (GPS) is an innovative platform built on Morgan Stanley's intellectual capital and capabilities, to provide our clients with comprehensive investing and planning solutions for their individual goals.
Learn More About GPSModern Wealth Tools
Morgan Stanley strives to offer clients the finest in financial thinking, products and execution to help them meet their individual needs and achieve their personal financial goals. When we work together, you’ll benefit from personalized advice, objective guidance and dedication to your success as an investor. With access to Morgan Stanley’s renowned global resources and investment opportunities, Lou Intorre and Brian Tracey can help you develop and maintain an optimal investment strategy. The comprehensive wealth management strategy will address key areas of your financial life beyond traditional investments and may incorporate diverse recommendations for building and protecting your wealth.
Morgan Stanley Online
Morgan Stanley Online’s digital capabilities and the Morgan Stanley Mobile App provide clients with access to their account information, enriched reporting tools, several cash management solutions and robust market research. The Morgan Stanley Mobile App provides clients with access to their accounts in just a few taps.
Morgan Stanley Online
Goals Planning System
A holistic Goals Planning System (GPS) approach to wealth management can help tailor an investment framework that considers key aspects of a client's life, such as retirement age, healthcare costs, home buying, cash management, legacy needs and potential withdrawal strategies. Using goals as a benchmark, the investment strategy is continuously evaluated to ensure clients are on track. As circumstances and goals change, Lou and Brian can help adjust priorities and introduce additional solutions.
Goals Planning System
Asset Aggregation
The ability to view all of your assets together provides the opportunity to provide advice on your Morgan Stanley accounts with your entire financial picture in mind. This new tool allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
Total Wealth View
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows you to build a central, shared document library where all documents are stored using encryption.
Location
61 Paramus Rd
Paramus, NJ 07652
US
Direct:
(201) 712-4070(201) 712-4070
Toll-Free:
(800) 488-0181(800) 488-0181
Meet Intorre, Tracey
Brian Tracey
Senior Vice President, Financial Advisor
Phone:
(201) 712-4060(201) 712-4060
About Louis Intorre
Louis Intorre
Lou Intorre is a Senior Vice President and Financial Advisor with The Intorre, Tracey Group at Morgan Stanley, based in Paramus, New Jersey. He has over 24 years of experience as a Financial Advisor in the Financial Services industry. Lou joined Morgan Stanley in 2014. Lou graduated from Montclair State University, with Magna Cum Laude honors, with a B.S. in Business Administration with a concentration in Accounting. He obtained his CPA license within a few years of graduation, working for a well-known regional accounting firm (no longer a practicing CPA). In addition, Lou holds the Chartered Retirement Planning CounselorSM designation.
Lou’s unique background formulates a well-rounded Financial Advisor that is hard to find. He started off his career as a Chief Accounting Officer and Senior Financial Executive in both the private and public sectors for a combined 14 years. This career path helped him better understand finances, taxes and the need to develop and maintain a financial plan. Lou takes his knowledge and expertise in accounting when building financial plans for individuals and Corporate CFO’s, by incorporating tax minimization strategies into his clients customized investment strategies.
Lou values the relationships he has with his clients and is grateful for their confidence and trust. He focuses on multi-generational planning and investment management for individuals, families and corporate executives, helping them articulate and define their goals and objectives. He collaborates with his clients to develop strategies designed for their unique situations, utilizing financial planning as the basis for the strategy. He helps guide his clients through turbulent markets and provides solutions for their needs, drawing upon the skills and knowledge derived from his years of experience. He is readily accessible to his clients, explains market conditions and presents comprehensive strategies in a straightforward manner.
As your Financial Advisor, Lou can help you define and strive to meet your goals by delivering a vast array of resources and knowledge. Working together, he can help you to grow and preserve your wealth for future generations to come. You will have access to some of the world’s most veteran and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Lou resides in River Edge, New Jersey with his wife, Katherine and 4 kids. In his spare time, he enjoys spinning and working out. Lou is an active member throughout the Bergen County community, the former Executive member and Treasurer for the Meadowlands YMCA for over 10 years.
Lou Intorre is a Senior Vice President and Financial Advisor with The Intorre, Tracey Group at Morgan Stanley, based in Paramus, New Jersey. He has over 24 years of experience as a Financial Advisor in the Financial Services industry. Lou joined Morgan Stanley in 2014. Lou graduated from Montclair State University, with Magna Cum Laude honors, with a B.S. in Business Administration with a concentration in Accounting. He obtained his CPA license within a few years of graduation, working for a well-known regional accounting firm (no longer a practicing CPA). In addition, Lou holds the Chartered Retirement Planning CounselorSM designation.
Lou’s unique background formulates a well-rounded Financial Advisor that is hard to find. He started off his career as a Chief Accounting Officer and Senior Financial Executive in both the private and public sectors for a combined 14 years. This career path helped him better understand finances, taxes and the need to develop and maintain a financial plan. Lou takes his knowledge and expertise in accounting when building financial plans for individuals and Corporate CFO’s, by incorporating tax minimization strategies into his clients customized investment strategies.
Lou values the relationships he has with his clients and is grateful for their confidence and trust. He focuses on multi-generational planning and investment management for individuals, families and corporate executives, helping them articulate and define their goals and objectives. He collaborates with his clients to develop strategies designed for their unique situations, utilizing financial planning as the basis for the strategy. He helps guide his clients through turbulent markets and provides solutions for their needs, drawing upon the skills and knowledge derived from his years of experience. He is readily accessible to his clients, explains market conditions and presents comprehensive strategies in a straightforward manner.
As your Financial Advisor, Lou can help you define and strive to meet your goals by delivering a vast array of resources and knowledge. Working together, he can help you to grow and preserve your wealth for future generations to come. You will have access to some of the world’s most veteran and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Lou resides in River Edge, New Jersey with his wife, Katherine and 4 kids. In his spare time, he enjoys spinning and working out. Lou is an active member throughout the Bergen County community, the former Executive member and Treasurer for the Meadowlands YMCA for over 10 years.
Securities Agent: AZ, WA, OH, NV, AL, UT, NY, CT, AR, VT, TX, OR, NC, MA, PA, MD, VA, SC, PR, IL, NJ, GA, FL, CO, CA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 578856
NMLS#: 578856
About Brian Tracey
Brian Tracey
Brian Tracey is a Senior Vice President, Portfolio Manager and Financial Advisor with The Intorre, Tracey Group at Morgan Stanley, based in Paramus, NJ. He has 30 years of wealth management experience and has been with the firm since 2014.
Brian specifically focuses on helping clients develop integrated strategies for the management of their wealth by providing comprehensive solutions covering wealth accumulation, preservation of capital, wealth transfer and legacy planning. He enjoys helping clients navigate life's most difficult transitions including buying a home, planning for retirement, divorce, death of a spouse, or caring for an aging parent with physical or cognitive impairments. Brian takes pride that many of his clients have worked with him for decades, including families whom he has served for multiple generations. His effort to truly care about his clients has led to long-term, trusting relationships.
Brian takes a holistic approach to guiding clients. He not only conducts a detailed review of your finances, but takes the time to find out about your family, values, dreams, aspirations, and thoughts on risk. He uses this information in combination with the firm’s modern wealth management analytics to formulate customized strategies. Developing a thorough understanding of each client’s unique situation and creating an individualized plan is the most effective way to reach your objective.
Providing an extraordinary high level of service is a pillar of the practice. Clients’ portfolios are attentively monitored, and meetings are scheduled to appraise goals and evaluate financial conditions. Brian is always accessible and all questions are welcomed.
Prior to joining Morgan Stanley, Brian worked as a Financial Advisor at Merrill Lynch for 21 years. Brian holds Series 7, 31, 63, and 66 licenses and a Portfolio Manager certification.
He is a member of the US Chess Federation. Brian is an active skier and hiker. An animal lover, Brian has 3 dogs.
Brian Tracey is a Senior Vice President, Portfolio Manager and Financial Advisor with The Intorre, Tracey Group at Morgan Stanley, based in Paramus, NJ. He has 30 years of wealth management experience and has been with the firm since 2014.
Brian specifically focuses on helping clients develop integrated strategies for the management of their wealth by providing comprehensive solutions covering wealth accumulation, preservation of capital, wealth transfer and legacy planning. He enjoys helping clients navigate life's most difficult transitions including buying a home, planning for retirement, divorce, death of a spouse, or caring for an aging parent with physical or cognitive impairments. Brian takes pride that many of his clients have worked with him for decades, including families whom he has served for multiple generations. His effort to truly care about his clients has led to long-term, trusting relationships.
Brian takes a holistic approach to guiding clients. He not only conducts a detailed review of your finances, but takes the time to find out about your family, values, dreams, aspirations, and thoughts on risk. He uses this information in combination with the firm’s modern wealth management analytics to formulate customized strategies. Developing a thorough understanding of each client’s unique situation and creating an individualized plan is the most effective way to reach your objective.
Providing an extraordinary high level of service is a pillar of the practice. Clients’ portfolios are attentively monitored, and meetings are scheduled to appraise goals and evaluate financial conditions. Brian is always accessible and all questions are welcomed.
Prior to joining Morgan Stanley, Brian worked as a Financial Advisor at Merrill Lynch for 21 years. Brian holds Series 7, 31, 63, and 66 licenses and a Portfolio Manager certification.
He is a member of the US Chess Federation. Brian is an active skier and hiker. An animal lover, Brian has 3 dogs.
Securities Agent: AR, WA, VT, NY, NC, MD, MA, CO, AZ, PA, OH, CA, AL, NV, GA, TX, UT, NJ, IL, FL, VA, PR, CT, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 1398750
NMLS#: 1398750
Contact Louis Intorre
Contact Brian Tracey
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
Don Janevski
Private Banker
About Don Janevski
Don Janevski is a Private Banker serving Morgan Stanley Wealth Management offices in New Jersey.
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.
Don began his career in financial services in 2003 and joined Morgan Stanley in 2015 as an Associate Private Banker. Prior to joining the firm, he was a Mortgage Loan Consultant and a Mortgage Product Specialist with Silver Financial Capital Group, as well as a Branch Manager with First Lenders Mortgage.
Don is a graduate of the Montclair State University, where he received a Bachelor of Business Administration in Marketing and Management. He lives in Emerson, NJ with his family. Outside of the office, Don enjoys spending time with family and friends, exercising and painting.
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.
Don began his career in financial services in 2003 and joined Morgan Stanley in 2015 as an Associate Private Banker. Prior to joining the firm, he was a Mortgage Loan Consultant and a Mortgage Product Specialist with Silver Financial Capital Group, as well as a Branch Manager with First Lenders Mortgage.
Don is a graduate of the Montclair State University, where he received a Bachelor of Business Administration in Marketing and Management. He lives in Emerson, NJ with his family. Outside of the office, Don enjoys spending time with family and friends, exercising and painting.
NMLS#: 197095
Wealth Management
From Our Team
A Simple Six-Step Retirement Checkup
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact Intorre, Tracey today.
1Investors 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.
2Alternative 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.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Morgan 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.
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 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
7Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
9Morgan 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.
10An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
11When 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.
12Morgan 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.
13Morgan 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.
14Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
15Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
16Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
17Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
18When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
19Morgan 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.
20When 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.
21When 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.
22The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
23Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
24Participating 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.
25Morgan 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.
26Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
2Alternative 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.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Morgan 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.
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 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
7Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
9Morgan 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.
10An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
11When 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.
12Morgan 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.
13Morgan 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.
14Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
15Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
16Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
17Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
18When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
19Morgan 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.
20When 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.
21When 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.
22The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
23Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
24Participating 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.
25Morgan 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.
26Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
