Andrew S Blackwell, CIMA®, CFP®
Executive Director, Wealth Management, Financial Advisor, Senior Portfolio Manager, Investing with Impact Director, Family Wealth Director
Phone:
(617) 570-9465(617) 570-9465
Ironside Wealth Management at Morgan Stanley
Our Mission Statement
Helping our clients achieve safe passage of their wealth
Guiding You On Your Wealth Planning Journey
Safe passage.
Above all, that is what most investors are looking for. And like any journey through uncharted waters, success requires both careful preparation and vigilant navigation. Organizing wealth is no exception.
In our practice, we are in the business of stewarding capital. It starts with listening to our clients, challenging their thinking and helping them to frame their destination. Then, through extensive planning, we help chart a proper course. And on the purposeful journey that follows, we pride ourselves on being proactive risk managers in the capital markets, leveraging the global investment resources of Morgan Stanley.
Your success is our focus, because when our clients succeed in reaching their goals, we succeed as well.
Above all, that is what most investors are looking for. And like any journey through uncharted waters, success requires both careful preparation and vigilant navigation. Organizing wealth is no exception.
In our practice, we are in the business of stewarding capital. It starts with listening to our clients, challenging their thinking and helping them to frame their destination. Then, through extensive planning, we help chart a proper course. And on the purposeful journey that follows, we pride ourselves on being proactive risk managers in the capital markets, leveraging the global investment resources of Morgan Stanley.
Your success is our focus, because when our clients succeed in reaching their goals, we succeed as well.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Ironside Group at Morgan Stanley Monthly Newsletter
About our Newsletter:
The Ironside Group at Morgan Stanley produces a monthly newsletter for clients and client's friends with content related to timely financial topics. The custom newsletter also provides a personalized look into our practice to give people a better understanding of who we are and what we do. Click the link below to view our custom newsletter and please feel reach out if you have any questions:
The Ironside Group at Morgan Stanley produces a monthly newsletter for clients and client's friends with content related to timely financial topics. The custom newsletter also provides a personalized look into our practice to give people a better understanding of who we are and what we do. Click the link below to view our custom newsletter and please feel reach out if you have any questions:
Accomplishments
Award-Winning Podcast – “What Should I Do With My Money”
Seth Libert was featured as the inaugural speaker on Morgan Stanley’s award-winning podcast, “What Should I Do With My Money”. Seth was one of six financial advisors from across the company that was selected to participate, and his episode, “A Surprise Inheritance”, is the first episode of the series. To listen, you can find it on Apple Music, Spotify, or at the following link:
Check It Out!Recognized by Forbes as a “Best-In-State Wealth Management Team”
In 2022, 2023, 2024, and 2025 we’ve been recognized as a top team in Massachusetts by Forbes. Ironside Wealth Management was founded in 2019 and we’re excited to be recognized as we continue to strive for top service for all of our clients. For more information, you can find our profile here:
View Profile HereAndrew Blackwell recognized by Forbes as a “Best-In-State Wealth Advisor”
Along with team recognition, Andrew has been recognized as a top advisor in Massachusetts by Forbes in 2022, 2023, and 2024. This recognition reflects Andrew’s constant commitment to providing an exceptional experience for the clients he works with. For more information, you can find his profile here: https://www.forbes.com/profile/andrew-blackwell/?sh=3dbba4fd55df
View Profile HereVALUABLE RESOURCES AND CONTENT
Below we have included some of our resources meant to transform complex financial analysis and research into concise and easily digestible content.
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read The Latest Report
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read The Latest Report
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
Check Out The Latest Episode
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Check Out The Latest Episode
Institute for Sustainable Investing
The Institute for Sustainable Investing aims to accelerate sustainable finance and the adoption of sustainable investing strategies across capital markets and drive strategic environmental, social and governance (ESG) initiatives across the firm.
Learn More Here
Morgan Stanley Insights
At Morgan Stanley, we lead with exceptional ideas. Across all our businesses, we offer keen insight on today's most critical issues.
Click Here to Learn MoreInvesting With Impact
Our Team believes in the importance of diversity and aligning your investments with your values. To that end, we have specialization in ESG (environmental, social, governance) or “impact” investing on our team. And with Morgan Stanley, we have state of the art screening and analysis tools as well as demonstrated thought leadership at our disposal to deliver best in class solutions for our clients.
Institute for Sustainable Investing
The Institute for Sustainable Investing aims to accelerate sustainable finance and the adoption of sustainable investing strategies across capital markets and drive strategic environmental, social and governance (ESG) initiatives across the firm.
Learn More Here
Morgan Stanley IQ
Morgan Stanley Impact Quotient™ (Morgan Stanley IQ) is an important set of capabilities that aims to help investors of all sizes understand the environmental and social impact of their investments. The opportunity to take advantage of this tool is available exclusively to Morgan Stanley clients.
Learn More Here
At Scale: A Sustainability Podcast
On Season 2 of At Scale: A Sustainability Podcast, host Audrey Choi takes a close-up look of things that may seem ordinary on the surface, things we often take for granted, but can actually have a big impact on the way we live, the flow of capital and the future of our planet.
Listen Here
Investing With Impact
Our Investing with Impact Platform offers a diverse range of funds and other investments designed to advance environmental, economic and social goals — while striving for competitive performance. We make it easy to craft an investment portfolio of any size that is tailored to meet the impact goals of your choice.
Learn More HereLocation
28 State Street
Fl
Boston, MA 02109
US
Direct:
(617) 570-9050(617) 570-9050
Meet Ironside Wealth Management
Seth Libert
Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager, Alternative Investments Director
Phone:
(617) 570-2959(617) 570-2959
Sam Bonifant, CFP®
Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Alternative Investments Director, Workplace Advisor - Equity Compensation
Phone:
(617) 570-2930(617) 570-2930
Phone:
(617) 570-9496(617) 570-9496
Brian C. Mahoney
First Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(617) 570-9416(617) 570-9416
Linda Kraunelis
Portfolio Associate, Senior Registered Associate
Phone:
(617) 570-9585(617) 570-9585
Mackenzie Rettman
Client Service Associate
Phone:
(617) 570-2986(617) 570-2986
About Andrew S Blackwell
Long before I found my passion as a financial advisor, I grew up in a working-class family outside of Boston and spent a great deal of time on my grandparent’s dairy farm in northern Vermont. The combined experience gave me a deep appreciation for Yankee ingenuity, the satisfaction of hard work, and above all the critical importance of carefully investing and protecting what you have earned. The lessons stuck with me when I went on to Dartmouth College where I rowed on the men’s heavyweight crew team, and when I started my advising career in 2001 with a desire to help other people realize and protect their own financial well-being.
Now, I run a wealth management practice at Morgan Stanley focused on the “safe passage” of wealth for my clients. To that end, I have acquired advanced designations in investment management (CIMA® at the Wharton School of Business), financial planning (CFP®), and alternative investments (Alternative Investment Director through the Chartered Alternative Investment Analyst Association). I am also a Family Wealth Director (a designation achieved by less than 4% of Morgan Stanley advisors with a focus on advanced planning and investments) and an Investing with Impact Director within the firm, helping clients and other advisors implement investment decisions that mirror their values, with a particular interest in climate change. Our team was structured to offer a personalized concierge experience within a world-class global franchise for our clients. But above all, I deeply value the personal relationships that I am able to form with them and the trust they place on me to help guide their financial future.
Outside of work, I live on Boston’s South Shore with my wife Michelle, who has a busy medical career, and sons William and James. I still enjoy time with my family on Lake Champlain, as well as skiing, traveling, playing classic rock on my guitar, and exercising - though I don’t do any of it as well or as often as I’d like.
Now, I run a wealth management practice at Morgan Stanley focused on the “safe passage” of wealth for my clients. To that end, I have acquired advanced designations in investment management (CIMA® at the Wharton School of Business), financial planning (CFP®), and alternative investments (Alternative Investment Director through the Chartered Alternative Investment Analyst Association). I am also a Family Wealth Director (a designation achieved by less than 4% of Morgan Stanley advisors with a focus on advanced planning and investments) and an Investing with Impact Director within the firm, helping clients and other advisors implement investment decisions that mirror their values, with a particular interest in climate change. Our team was structured to offer a personalized concierge experience within a world-class global franchise for our clients. But above all, I deeply value the personal relationships that I am able to form with them and the trust they place on me to help guide their financial future.
Outside of work, I live on Boston’s South Shore with my wife Michelle, who has a busy medical career, and sons William and James. I still enjoy time with my family on Lake Champlain, as well as skiing, traveling, playing classic rock on my guitar, and exercising - though I don’t do any of it as well or as often as I’d like.
Securities Agent: SC, AZ, ME, IL, GA, NJ, WA, NY, MO, VT, RI, TX, MT, LA, KS, IN, HI, OH, VA, OK, NC, MI, MD, DC, MN, OR, NH, FL, NV, DE, CT, CO, CA, PA, MA, UT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1366219
NMLS#: 1366219
About Seth Libert
Seth brings value to his clients through diligent research, clear communication, and a vast knowledge of comprehensive wealth management. His experience covers many aspects of financial planning whether it is holistic family wealth management, business succession planning or retirement and annuity income planning strategies.
A native New Yorker, Seth attended high school at the Northfield Mount Hermon School in Massachusetts, and headed west to the University of Colorado at Boulder to finish his education. A lifelong athlete, during his undergraduate years at CU Seth was a member of the Buffaloes football team from 1989-1992, as well as a decorated member of the track and field team as a decathlete.
After college Seth balanced a full time occupation on the financial side of the mortgage industry, earning several distinctions in ever increasing positions, while also devoting as much time as possible to training as an elite athlete. He spent a good portion of this time training for the 1996 Atlanta Olympics with renowned Decathlon coach Harry Marra. The training Seth received and the success he realized as an elite athlete have been instrumental in his work ethic and success as a Financial Advisor.
Seth joined Morgan Stanley from his most recent endeavor, as an independent business owner of several national gym franchises just outside of Boston. He now lives in Woburn with his wife, Sara, and their three young daughters.
A native New Yorker, Seth attended high school at the Northfield Mount Hermon School in Massachusetts, and headed west to the University of Colorado at Boulder to finish his education. A lifelong athlete, during his undergraduate years at CU Seth was a member of the Buffaloes football team from 1989-1992, as well as a decorated member of the track and field team as a decathlete.
After college Seth balanced a full time occupation on the financial side of the mortgage industry, earning several distinctions in ever increasing positions, while also devoting as much time as possible to training as an elite athlete. He spent a good portion of this time training for the 1996 Atlanta Olympics with renowned Decathlon coach Harry Marra. The training Seth received and the success he realized as an elite athlete have been instrumental in his work ethic and success as a Financial Advisor.
Seth joined Morgan Stanley from his most recent endeavor, as an independent business owner of several national gym franchises just outside of Boston. He now lives in Woburn with his wife, Sara, and their three young daughters.
Securities Agent: HI, OH, TX, ME, DC, VA, OK, FL, VT, SC, NC, IN, MN, OR, MO, KS, IL, WA, UT, CT, NY, MI, GA, CO, NV, NJ, MT, MD, LA, PA, NH, MA, DE, CA, AZ, RI; General Securities Representative; Investment Advisor Representative
NMLS#: 1627127
NMLS#: 1627127
About Sam Bonifant
Growing up in a small town in New Hampshire, I never envisioned my life would lead me to joining a large firm in the middle of a city. Thankfully, I was raised by parents with a contagious work ethic and passion for everything they did. Their approach to life rubbed off on me as I’ve built a practice with clients that I’m so proud to work alongside every day. After graduating from Elon University and moving back to the Northeast, I found my calling as a financial advisor. My work is my passion, and after growing my business “brick by brick”, I now enjoy providing the best experience possible for every individual and family that I work with.
I believe that knowledge is power, and to that extent I’m proud to have earned designations that reflect my appetite for learning. As a CERTIFIED FINANCIAL PLANNER™, Alternative Investments Director and Workplace Advisor (equity compensation), my expertise covers both financial planning and investment strategies. Above all else, however, what’s most important to me is thoroughly understanding my clients’ situations and ultimately providing an excellent experience for everyone with whom I work. My fellow Ironside team members share the same values, which is why when we originally created Ironside Wealth Management, we did so with a vision of exceptional service and attention for our clients.
Today, I reside in Charlestown with my wife, Sarah. We love the seasons, so you can often find us hiking, skiing, or exploring the Green and White Mountains. I still have family in New Hampshire, so the Granite State is a home away from home. I’m an avid sports fan and played baseball my whole life, so when I’m in the city I love to spend time at Fenway Park or TD Garden. And while I’m often on the move, fall Sundays are the opposite – I’ll be on the living room couch cheering on the Patriots!
I believe that knowledge is power, and to that extent I’m proud to have earned designations that reflect my appetite for learning. As a CERTIFIED FINANCIAL PLANNER™, Alternative Investments Director and Workplace Advisor (equity compensation), my expertise covers both financial planning and investment strategies. Above all else, however, what’s most important to me is thoroughly understanding my clients’ situations and ultimately providing an excellent experience for everyone with whom I work. My fellow Ironside team members share the same values, which is why when we originally created Ironside Wealth Management, we did so with a vision of exceptional service and attention for our clients.
Today, I reside in Charlestown with my wife, Sarah. We love the seasons, so you can often find us hiking, skiing, or exploring the Green and White Mountains. I still have family in New Hampshire, so the Granite State is a home away from home. I’m an avid sports fan and played baseball my whole life, so when I’m in the city I love to spend time at Fenway Park or TD Garden. And while I’m often on the move, fall Sundays are the opposite – I’ll be on the living room couch cheering on the Patriots!
Securities Agent: WA, TX, RI, NH, CA, SC, MD, IL, VA, NJ, MT, GA, OK, LA, AZ, OH, NY, KS, IN, OR, CO, PA, MO, MI, ME, DC, VT, UT, NV, NC, MN, HI, MA, FL, DE, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1573344
NMLS#: 1573344
About Judith Ann Reed
For more than 10 years Judi has helped guide individuals and families through their financial journey. By putting her clients first and sincerely caring about their future, she has developed a successful practice dedicated to helping her clients build wealth.
Judi utilizes a comprehensive wealth management process to develop actionable financial plans tailored to individual situations. She analyses her clients’ problems and engages Morgan Stanley’s vast resources to find solutions. The firm’s modern wealth management analytics and risk management tools are used to formulate customized strategies.
Her process starts with discovering what goals are most important to her clients. She gets to know her clients well to then align investments with their goals. She enjoys working with clients who want to learn the art of goal based investing but who also want a trustworthy person to look after their portfolio so they can enjoy spending time with their families and doing things they love.
Judi focuses on transparency, low fees, tax- efficiency, excellent client service and portfolio performance.
Judi utilizes a comprehensive wealth management process to develop actionable financial plans tailored to individual situations. She analyses her clients’ problems and engages Morgan Stanley’s vast resources to find solutions. The firm’s modern wealth management analytics and risk management tools are used to formulate customized strategies.
Her process starts with discovering what goals are most important to her clients. She gets to know her clients well to then align investments with their goals. She enjoys working with clients who want to learn the art of goal based investing but who also want a trustworthy person to look after their portfolio so they can enjoy spending time with their families and doing things they love.
Judi focuses on transparency, low fees, tax- efficiency, excellent client service and portfolio performance.
Securities Agent: UT, PA, NM, IN, GA, VT, SC, NY, MD, IL, CT, TX, NJ, LA, MT, ME, AZ, MO, FL, CA, WA, NC, HI, CO, VA, OR, OH, KS, RI, DC, OK, NV, MN, MA, NH, MI, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 1648259
NMLS#: 1648259
About Brian C. Mahoney
Growing up in Midtown Manhattan, I developed a keen awareness of the finance industry, with family discussions often revolving around the economy and stock market—topics that shaped the retail women's clothing stores my family operated. Attending Stonehill College in North Easton, MA, opened my eyes to life beyond New York City. There, I studied Economics, Political Science, and Business, and met my wife, Carol, during our freshman year.
My professional journey began in retail at Filene's in Boston, but I soon returned to the family business in Manhattan. A significant shift occurred when I started my career as a Financial Advisor in 1985, after connecting with the owner of Cowen & Company through tennis. This experience provided me with a comprehensive view of investment operations, trading, and research, and some of my initial clients—or their families—remain with me today.
After 14 years at Raymond James in Naples, Florida, while raising our three boys (who later attended Boston College, Villanova, and Fairfield), we realized we missed the seasons of the Northeast. In 2002, I joined Smith Barney, which merged with Morgan Stanley in 2009.
As an advisor, my primary focus has always been on managing portfolios for families and individuals, ensuring I understand their unique needs as they navigate life's changes. I emphasize building financial plans that accommodate long-term withdrawals in retirement, especially for women who may need income well into their 90s. I see my role as akin to that of a family business, providing trusted advice and personalized service. I am grateful for the many clients who have become friends, understanding that investing requires time, money, and patience.
A few years ago, I decided to explore a team-oriented approach and prioritized joining the Ironside Group, as I had developed a friendship with Andrew Blackwell over the years. I value collaboration, and being part of this team allows us to enhance the services we provide to our clients through diverse allocation models.
Outside of work, Carol and I live in the Newport, RI area, having moved from Boston several years ago. We have three adult children in LA, San Diego, and Manhattan, along with two grandchildren—one in New York and the other in San Diego. I enjoy walking, sports, playing tennis year-round, and nurturing my flower gardens. Carol and I cherish traveling to see our grandchildren wherever they may be, as well as spending time in Naples, FL, where we previously lived.
My professional journey began in retail at Filene's in Boston, but I soon returned to the family business in Manhattan. A significant shift occurred when I started my career as a Financial Advisor in 1985, after connecting with the owner of Cowen & Company through tennis. This experience provided me with a comprehensive view of investment operations, trading, and research, and some of my initial clients—or their families—remain with me today.
After 14 years at Raymond James in Naples, Florida, while raising our three boys (who later attended Boston College, Villanova, and Fairfield), we realized we missed the seasons of the Northeast. In 2002, I joined Smith Barney, which merged with Morgan Stanley in 2009.
As an advisor, my primary focus has always been on managing portfolios for families and individuals, ensuring I understand their unique needs as they navigate life's changes. I emphasize building financial plans that accommodate long-term withdrawals in retirement, especially for women who may need income well into their 90s. I see my role as akin to that of a family business, providing trusted advice and personalized service. I am grateful for the many clients who have become friends, understanding that investing requires time, money, and patience.
A few years ago, I decided to explore a team-oriented approach and prioritized joining the Ironside Group, as I had developed a friendship with Andrew Blackwell over the years. I value collaboration, and being part of this team allows us to enhance the services we provide to our clients through diverse allocation models.
Outside of work, Carol and I live in the Newport, RI area, having moved from Boston several years ago. We have three adult children in LA, San Diego, and Manhattan, along with two grandchildren—one in New York and the other in San Diego. I enjoy walking, sports, playing tennis year-round, and nurturing my flower gardens. Carol and I cherish traveling to see our grandchildren wherever they may be, as well as spending time in Naples, FL, where we previously lived.
Securities Agent: RI, NC, ME, WA, MI, KS, FL, CT, OK, NV, NJ, MD, DC, CO, DE, IN, VA, TX, PA, IL, OH, LA, MN, UT, SC, OR, NY, NH, MT, MA, CA, AZ, VT, HI, GA, MO; General Securities Representative; Investment Advisor Representative; Managed Futures
About Linda Kraunelis
Linda joined Ironside Wealth Management in 2018, bringing with her 10 years of experience in the financial services industry, specializing in client relationship management. She holds degrees in Finance and a Master of Business Administration from Boston College and Suffolk University, respectively.
Linda is responsible for establishing and managing the team's service model, ensuring its consistent and personalized implementation to deliver an exceptional client experience. Additionally, she works closely with clients to execute their financial planning strategies.
Beyond her professional life, Linda is an avid sports fan, regardless of the sport or season. During the summer months you can often find her relaxing at the beach. A lifelong resident of the South Shore, Linda lives in Braintree with her husband Steve and their two sons, James (26) and John (20).
Linda is responsible for establishing and managing the team's service model, ensuring its consistent and personalized implementation to deliver an exceptional client experience. Additionally, she works closely with clients to execute their financial planning strategies.
Beyond her professional life, Linda is an avid sports fan, regardless of the sport or season. During the summer months you can often find her relaxing at the beach. A lifelong resident of the South Shore, Linda lives in Braintree with her husband Steve and their two sons, James (26) and John (20).
About Mackenzie Rettman
Mackenzie joined Ironside Wealth Management in 2024 and specializes in managing client relationships and driving operational efficiency within the team.
Born and raised in Connecticut, Mackenzie relocated to Boston to grow her career in Wealth Management after graduating from Southern Connecticut State University with a degree in Business Administration and concentration in Accounting.
In her leisure time, Mackenzie enjoys discovering new eateries around the city and exploring the vibrant cityscape, which isn't difficult as she lives in the North End.
Born and raised in Connecticut, Mackenzie relocated to Boston to grow her career in Wealth Management after graduating from Southern Connecticut State University with a degree in Business Administration and concentration in Accounting.
In her leisure time, Mackenzie enjoys discovering new eateries around the city and exploring the vibrant cityscape, which isn't difficult as she lives in the North End.
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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 Ironside Wealth Management today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Alternative 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.
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 and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan Stanley 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
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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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.
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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.
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Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Alternative 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.
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 and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan Stanley 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
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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.
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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.
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Awards Disclosures
CRC 6491812 (04/2024)
