Scott James
First Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(608) 283-2340(608) 283-2340
James-Fuguitt Group at Morgan Stanley
Direct:
(608) 283-2332(608) 283-2332
Our Mission Statement
Experienced wealth planning services for your life and legacy goals
Our Story and Services
As you become more successful and your financial world becomes more complex, careful planning and tailored advice become even more important to achieving your life goals.
The James-Fuguitt Group understands both the challenges and opportunities you face and the complexities you must address. We offer a personalized approach to wealth management that focuses on simplifying your financial life, so you can spend more time enjoying the wealth you’ve worked so hard to achieve. Above all, we help take the emotion out of making important decisions, bringing a disciplined process to comprehensive wealth management.
With an office in Madison, WI and clients all over the country, we have 56 years of collective experience working as Financial Advisors and Portfolio Managers. This unique background enables us to fully serve the specialized needs of a broad array of clients, including families, business owners and corporate executives.
We help them address a number of financial challenges that often involve a meaningful life event, such as:
• Enjoy retirement without a change in lifestyle
• The sale of a business
• Purchase of a home including a second home
• The receipt of a large inheritance
• The desire to leave a lasting legacy, by transitioning the estate to the people and organizations they care about
• Divorce or death of a spouse
• Higher education for their children and grandchildren
As you begin to work with us, you will experience a high level of customer service that puts your best interest at the center of every decision and emphasizes outstanding service. We are proud of the services and solutions we provide each client and welcome the opportunity to deliver this same level of excellence to you and your family.
The James-Fuguitt Group understands both the challenges and opportunities you face and the complexities you must address. We offer a personalized approach to wealth management that focuses on simplifying your financial life, so you can spend more time enjoying the wealth you’ve worked so hard to achieve. Above all, we help take the emotion out of making important decisions, bringing a disciplined process to comprehensive wealth management.
With an office in Madison, WI and clients all over the country, we have 56 years of collective experience working as Financial Advisors and Portfolio Managers. This unique background enables us to fully serve the specialized needs of a broad array of clients, including families, business owners and corporate executives.
We help them address a number of financial challenges that often involve a meaningful life event, such as:
• Enjoy retirement without a change in lifestyle
• The sale of a business
• Purchase of a home including a second home
• The receipt of a large inheritance
• The desire to leave a lasting legacy, by transitioning the estate to the people and organizations they care about
• Divorce or death of a spouse
• Higher education for their children and grandchildren
As you begin to work with us, you will experience a high level of customer service that puts your best interest at the center of every decision and emphasizes outstanding service. We are proud of the services and solutions we provide each client and welcome the opportunity to deliver this same level of excellence to you and your family.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process, Your Journey
Our comprehensive process focuses on you, your family and your future – where you are today and where you want to go. Working together, we develop the strategies to help get you there, navigating life’s challenges and empowering you to make smart decisions about your wealth now and over time.
1. Initial Conversation
We begin with an informal conversation to understand your financial concerns and determine how we can add value. Should we agree to move forward, we schedule a Discovery Meeting and request copies of important financial documents so we can review them in advance of our meeting.
2. Discovery Meeting
In this in-depth discussion, we learn about the values that shape your decisions and identify any special circumstances in your life. Our priority is to really get to know you – your goals, your needs, and your challenges – so we have all the necessary information to create a comprehensive and customized Wealth Management Plan.
3. Analysis and Assessment
Here, we utilize proprietary financial planning tools to meticulously analyze and assess your current financial situation. We then develop a Wealth Management Plan that is uniquely yours, aligning your objectives and priorities with your timeframes and risk level.
4. Wealth Management Plan Meeting
In this step, we meet with you to present your Wealth Management Plan in detail. Your Plan includes investment recommendations as well as other valuable strategies. These may include solutions to help reduce risk, minimize taxes and achieve your estate planning and legacy goals.
5. Mutual Commitment
The next step is to formalize our working relationship. Documents are executed as we officially welcome you into our practice.
6. The Advanced Plan
As your assets transfer to Morgan Stanley, we begin the disciplined process of executing your plan. We often collaborate with specialized professionals in key areas, as well as your CPA and estate attorney to help ensure a cohesive implementation and transparency.
7. Ongoing Service and Care
Committed to premium service, we focus on developing a relationship that provides special value to you and your family. We set up regular calls and meetings to provide updates and keep your plan on track towards achieving your goals.
Important Updates for 2025
We would like to ensure you are up to date on the following changes for the year ahead. Please let us know if you have any questions!
401(k) and IRA limit increases for 2025
The amount individuals can contribute to their 401(k) plans in 2025 will increase to $23,500 - up from $23,000 for 2024. The limit on annual contributions to an IRA is still $7,000 for 2025. The income ranges for determining eligibility to make deductible contributions to traditional IRAs, contribute to Roth IRAs, and claim the Saver's Credit will also all increase for 2025.
Click Here to Read More
Income Tax Brackets for 2025
Depending on your taxable income, you can end up in one of seven different federal income tax brackets – each with its own marginal tax rate.
2025 Tax Tables
Social Security COLA Increase
Based on the increase in the Consumer Price Index (CPI-W) from the third quarter of 2023 through the third quarter of 2024, Social Security and Supplemental Security Income (SSI) beneficiaries will receive a 2.5 percent COLA for 2025.
SSA Fact Sheet
IRS Tax Inflation Adjustments for 2025
Learn more about the 2025 tax inflation adjustments for tax year 2025. Annual exclusion for gifts increases to $19,000 for calendar year 2025, rising from $18,000 for calendar year 2024
More InformationValuable Tools and Resources
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Morgan Stanley Online (MSO) & MS Mobile
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity. Features include paperless documents, bill pay and secure account management.
Morgan Stanley Online
Global Investment Committee “On the Markets” Report
Every month, Morgan Stanley’s top research analysts publish their “On the Markets” report, providing detailed market commentary on such topics as global equities, fixed income and monetary policy.
Read the most recent report
eServices
Send/receive wire transfers, review your monthly statements and safely store your important documents with our suite of eServices. With eDelivery, eAuthorization, eSign and our Digital Vault you can avoid the hassle of paper and monitor your accounts from your MSO account and the MSO mobile app.
Learn more and enroll
Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Access this week's edition
Total Wealth View
With this service, you can view all your investments together – whether they are held at Morgan Stanley or elsewhere. When you add your external 401(k), as well as your checking, savings and brokerage accounts to this portal, all your assets will be in one place, providing a current and comprehensive view of your wealth.
To learn more, click here
Thoughts on the Markets Podcast
With perspectives on the forces shaping the market, Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace
Listen to the latest episode
Adding a Trusted Contact
Adding a Trusted Contact to your account(s) is a great way to protect your assets and personal information. This can be any person who will be a point of contact for us in case there are concerns about your well-being or possible financial exploitation, but has no authority to take action on your account(s). To add a trusted contact, you can either call us to provide contact information for your Trusted Contact and we will submit on your behalf or by logging into MSO at the below link and going to Profile & Settings > Account Settings > Trusted Contact.
Log into MSO
Morgan Stanley Minute
In this ongoing series of one-minute videos from our firm’s top investment thinkers, you can explore current trends and topics like green bonds, active investment, monetizing small businesses, cybercrime and more.
View our our library of interesting content
Goals Based Planning
We design your plan based on your financial aspirations and the life goals you aim to achieve. Wherever you want to go in life, we will help you construct a portfolio to help guide you there.
With constant monitoring of your financial plan we are also able to identify if we fall off track from meeting your goals or even adapt your plan as your goals change.
Work Towards Your Future With A Goals Based PlanWith constant monitoring of your financial plan we are also able to identify if we fall off track from meeting your goals or even adapt your plan as your goals change.
Banking & Lending
Never worry about running low on cash. With our banking and lending services you can always access your accounts and get quick access to funds for financing a home purchase or any of your other needs.
Learn More About Banking & Lending Options
Charitable Giving
Not only is charitable giving a great way to help others, but it can also provide exceptional tax breaks. Whether giving to a local foundation or gifting a 529 to a loved one, we can help you maximize your tax deductions.
Tax Advantaged Ways to Give BackLocation
8215 Greenway Blvd
Ste 400
Middleton, WI 53562
US
Direct:
(608) 283-2332(608) 283-2332
Meet James-Fuguitt Group
Phone:
(608) 283-2321(608) 283-2321
First Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist, Senior Portfolio Manager
Phone:
(608) 283-2313(608) 283-2313
Wendy Rindfliesch
Senior Registered Associate
Phone:
(608) 283-2332(608) 283-2332
About Scott James
Scott James is a First Vice President, Portfolio Management Director and Financial Advisor at Morgan Stanley Wealth Management.
Scott has built his practice focusing on the needs of successful families that require high level wealth planning and portfolio development. His 34 years of experience with retirement planning, asset allocation, portfolio management, and generational wealth transfer has prepared him to advise a diverse range of client including physicians, business owners and corporate executives.
Scott enjoys spending time with his family, playing golf, and is an avid reader.
Scott is a Graduate of Syracuse University with a Bachelors of Economics. He is a lifelong learner, with a current emphasis on 20th century history.
My Mission:
I believe that to be successful in achieving important financial goals is to start with a comprehensive wealth management strategy. With my experience, I know I can help you define what is most important to you and then formulate the strategies that are appropriate for your needs. Especially if it regards you accumulating wealth, investing for income, solidifying your retirement plan along with devising a distribution approach that meets your lifestyle and legacy goals.
Education
• Bachelors of Economics, Syracuse University, Syracuse, N.Y.
• Certification and Licensing
• Series 3 - National Commodity Futures
• Series 7 - General Securities Representative, 1991.
• Certified Financial Manager, Merrill Lynch School of Advanced Financial Management New York, N.Y., 1997.
• Guided Portfolio Management program, 1999.
• Financial Planning Specialist designation, 2004.
• Retirement Plan Consultant, Smith Barney Corporate Retirement Services, New York, N.Y., 2000.
Asset allocation does not guarantee a profit or protect against a loss in a declining financial market.
Scott has built his practice focusing on the needs of successful families that require high level wealth planning and portfolio development. His 34 years of experience with retirement planning, asset allocation, portfolio management, and generational wealth transfer has prepared him to advise a diverse range of client including physicians, business owners and corporate executives.
Scott enjoys spending time with his family, playing golf, and is an avid reader.
Scott is a Graduate of Syracuse University with a Bachelors of Economics. He is a lifelong learner, with a current emphasis on 20th century history.
My Mission:
I believe that to be successful in achieving important financial goals is to start with a comprehensive wealth management strategy. With my experience, I know I can help you define what is most important to you and then formulate the strategies that are appropriate for your needs. Especially if it regards you accumulating wealth, investing for income, solidifying your retirement plan along with devising a distribution approach that meets your lifestyle and legacy goals.
Education
• Bachelors of Economics, Syracuse University, Syracuse, N.Y.
• Certification and Licensing
• Series 3 - National Commodity Futures
• Series 7 - General Securities Representative, 1991.
• Certified Financial Manager, Merrill Lynch School of Advanced Financial Management New York, N.Y., 1997.
• Guided Portfolio Management program, 1999.
• Financial Planning Specialist designation, 2004.
• Retirement Plan Consultant, Smith Barney Corporate Retirement Services, New York, N.Y., 2000.
Asset allocation does not guarantee a profit or protect against a loss in a declining financial market.
Securities Agent: CT, MO, WA, NY, KS, WI, VA, UT, TX, NV, NM, NC, MN, MD, LA, IN, IL, ID, IA, GA, FL, DC, CO, CA, AZ, AL; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1406617
NMLS#: 1406617
About Graham Fuguitt
In 1983, Graham entered the financial services industry as an analyst and service representative for one of the world’s largest credit databases. He was promoted to managerial positions and helped to implement and develop credit-scoring methods that became models for the insurance and consumer lending industries. In 1995, Graham joined Dean Witter, which became Morgan Stanley, and transferred his financial analysis and management skills into directly helping people with their investment goals.
As a Financial Advisor, Graham works for his clients. He believes that everyone needs a master plan, and as their lives and financial goals change, so should their plan. Your Financial Plan should be focused on you – helping to address risk management, identify financial goals, and set your investment expectations.
Graham has built his business helping people he cares about – take care of the people they care about. This is why he asks important questions, listens, and focuses intently on his client’s values and goals. While markets, investments and financial services have increased in complexity and speed of change, his commitment to serving clients and their families has not changed.
While Graham can service the needs of any investor, these are a few of his areas of focus:
• Retirement Planning
• Estate Planning Strategies, Legacy Planning and Special Needs Trusts
• Discretionary Portfolio Management
• Understanding the complex rules surrounding your Company Stock, Restricted Securities and ESOPs
Outside of work, Graham is very active in the Music and Fine Arts community. He has served on the Board of Directors for both the Wisconsin Youth Symphony Orchestra and the Wisconsin Youth Symphony Orchestra Foundation since 2010. He has also served on the Dean's Advisory Board for the De Paul University School of Music since 2013.
Graham is married with two adult sons and in his spare time, he enjoys traveling, attending concerts, and attempting to improve his golf handicap.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee.
As a Financial Advisor, Graham works for his clients. He believes that everyone needs a master plan, and as their lives and financial goals change, so should their plan. Your Financial Plan should be focused on you – helping to address risk management, identify financial goals, and set your investment expectations.
Graham has built his business helping people he cares about – take care of the people they care about. This is why he asks important questions, listens, and focuses intently on his client’s values and goals. While markets, investments and financial services have increased in complexity and speed of change, his commitment to serving clients and their families has not changed.
While Graham can service the needs of any investor, these are a few of his areas of focus:
• Retirement Planning
• Estate Planning Strategies, Legacy Planning and Special Needs Trusts
• Discretionary Portfolio Management
• Understanding the complex rules surrounding your Company Stock, Restricted Securities and ESOPs
Outside of work, Graham is very active in the Music and Fine Arts community. He has served on the Board of Directors for both the Wisconsin Youth Symphony Orchestra and the Wisconsin Youth Symphony Orchestra Foundation since 2010. He has also served on the Dean's Advisory Board for the De Paul University School of Music since 2013.
Graham is married with two adult sons and in his spare time, he enjoys traveling, attending concerts, and attempting to improve his golf handicap.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee.
Securities Agent: MI, CT, NV, MD, WI, WA, FL, CA, AZ, KY, ID, IA, GA, NE, SC, MO, IL, VA, IN, DC, CO, UT, NC, ME, KS, HI, SD, NY, TX, OK, OH, NM, MN; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1347367
NMLS#: 1347367
About Chris Alexander
Chris Alexander joined Morgan Stanley as a financial advisor in 2007. As a second-generation financial advisor, his practice is built upon the core belief that he works and advocates for his clients above all else. Chris is deeply committed to helping individuals, families and businesses envision their financial goals and helps them navigate their path to achieving them. Whether you’re looking to plan for retirement, fund your children’s education or simply seeking to preserve and potentially grow your wealth, Chris works side by side with you to get you the tools and information you’ll need to be successful.
Outside of work Chris spends much of his free time coaching youth and high school athletics in his hometown of Sun Prairie, WI. He serves as the head coach of the Sun Prairie East High School JV football team and volunteers as the pitching coach of the varsity baseball team.
Chris is a graduate of Edgewood College in Madison, WI with a degree in business. He is married with 3 children, 2 in college and 1 in high school. He and his wife enjoy traveling and spending time with family and friends as much as possible.
Outside of work Chris spends much of his free time coaching youth and high school athletics in his hometown of Sun Prairie, WI. He serves as the head coach of the Sun Prairie East High School JV football team and volunteers as the pitching coach of the varsity baseball team.
Chris is a graduate of Edgewood College in Madison, WI with a degree in business. He is married with 3 children, 2 in college and 1 in high school. He and his wife enjoy traveling and spending time with family and friends as much as possible.
Securities Agent: MN, AR, WI, TN, MI, VA, NY, MS, MD, GA, IA, TX, NV, OK, NM, ND, IN, DC, NE, ID, UT, KY, AL, CA, NC, CO, AZ, AK, WA, OR, IL, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1380616
NMLS#: 1380616
About Wendy Rindfliesch
Wendy Rindfliesch joined Morgan Stanley in June of 2010, after being with Merrill Lynch for 27 years. Wendy’s 35+ years of experience in the financial services industry include the areas of operations, risk management, client service, and administration. Her knowledge helps us to build long term relationships based on integrity, dependability, and trust. As a Senior Registered Associate, she is committed to providing the high level of service you expect and deserve. She is recognized for her attention to detail and exceptional organizational skills. In her spare time she enjoys reading, gardening, and spending time with her family and two dogs.
Contact Scott James
Contact Graham Fuguitt
Contact Chris Alexander
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
About Tyson Abert
Tyson R. Abert is a Senior Private Banker serving Morgan Stanley Wealth Management offices in Wisconsin, Northern Ohio and Western Pennsylvania.
Senior 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.
Tyson began his career in financial services in 2004, and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Development Manager and a Senior Relationship Manager at Wells Fargo’s Commercial Banking Services.
Tyson is a graduate of Illinois State University where he received a Bachelor of Science degree in Finance and Accounting, and Lake Forest Graduate School of Management where he received a Master of Business Administration. He and his family currently reside right outside Milwaukee, Wisconsin. Outside of the office, Tyson enjoys golfing, hunting, boating, fishing, and spending time with his family.
Senior 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.
Tyson began his career in financial services in 2004, and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Development Manager and a Senior Relationship Manager at Wells Fargo’s Commercial Banking Services.
Tyson is a graduate of Illinois State University where he received a Bachelor of Science degree in Finance and Accounting, and Lake Forest Graduate School of Management where he received a Master of Business Administration. He and his family currently reside right outside Milwaukee, Wisconsin. Outside of the office, Tyson enjoys golfing, hunting, boating, fishing, and spending time with his family.
NMLS#: 362127
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
Tax-Smart Ways to Sell Securities
How investors can tap their portfolios in tax-savvy ways.
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact James-Fuguitt Group today.
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.
2Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3When 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan Stanley’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.
6The 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.
7When 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.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3When 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan Stanley’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.
6The 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.
7When 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.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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Awards Disclosures
CRC 6491812 (04/2024)
