James Clark, CFP®
First Vice President, Financial Advisor, Portfolio Management Director
Phone:
(623) 875-2424(623) 875-2424
James Clark, CFP®
First Vice President, Wealth Management,
Financial Advisor,
Portfolio Management Director
Direct:
(623) 875-2424(623) 875-2424
Toll-Free:
(800) 347-5032(800) 347-5032
My Mission Statement
As your Certified Financial Planner™ professional, I will take the time to understand your financial concerns and work with you to develop a customized investment program that can best meet your needs. As our relationship builds over time, I will be able to anticipate your changing circumstances and help advise you on appropriate investment strategies. I look forward to serving your long-term investment needs.
Please feel free to call me at any time. 623-875-2424.
Please feel free to call me at any time. 623-875-2424.
My Story and Services
I strive to be the very best in our field by assisting families, individuals and business owners in the development of long-term financial goals. My team has been together for over 25 years and consists of experienced professionals with a “hands on” approach to financial guidance. Not only do clients find our team knowledgeable, but they also discover that we truly care about helping to make their dreams a reality. We do our best to keep our clients focused on where they want to go, advise them on how to get there and continually remind them of the importance of maintaining a disciplined approach to realizing their dreams.
Speak to us for a few minutes, and you will notice something different. We are resolutely focused on our client's goals and continually strive to exceed expectations. Our primary objective is to become a lifetime resource and trusted advisor to those who have entrusted us with their financial well-being by both preserving the wealth they have accumulated and working to grow that wealth. Our work ethic and commitment are the best testimonials to our focus on you, your family and your business.
Speak to us for a few minutes, and you will notice something different. We are resolutely focused on our client's goals and continually strive to exceed expectations. Our primary objective is to become a lifetime resource and trusted advisor to those who have entrusted us with their financial well-being by both preserving the wealth they have accumulated and working to grow that wealth. Our work ethic and commitment are the best testimonials to our focus on you, your family and your business.
Services Include
- 401(k) Rollovers
- Access to Lending Services
- AnnuitiesFootnote1
- Asset Management
- Business PlanningFootnote2
- Certificates of DepositFootnote3
- Estate Planning StrategiesFootnote4
- Exchange Traded FundsFootnote5
- Financial PlanningFootnote6
- Insurance ServicesFootnote7
- Investment Policy Statements
- Life InsuranceFootnote8
- Long Term Care InsuranceFootnote9
- Municipal BondsFootnote10
- Private Banking
- Professional Portfolio ManagementFootnote11
- Qualified Retirement PlansFootnote12
- Retirement PlanningFootnote13
- Trust Services and Accounting
- Wealth ManagementFootnote14
Securities Agent: OH, MO, CO, TX, OR, NE, MN, IL, AZ, AK, NY, NJ, FL, WI, WA, VA, SD, CT, NM, MI, CA, NV, MT, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 1268227
NMLS#: 1268227
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
We are committed to the following beliefs about wealth management that serve as the foundation of our practice. Above all, we pride ourselves on building long-lasting relationships with our clients and their families who share these same principles.
1. Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
2. Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
3. Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
4. Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
5. Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
6. Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
Education & Licensing
- Masters of Science Degree in Financial Services The American College Bryn Mawr PA
- CERTIFIED FINANCIAL PLANNER College for Financial Planning, Denver CO
- Senior Investment Management Consultant Morgan Stanley, Peoria AZ
- Bachelor of Arts Western International University Phoenix AZ
- Series 63 - Uniform State Exam
- Series 65 - Investment Advisory Agent
- Series 7 - General Securities Representative
- Life, Health, Annuities, Property, Casualty Disability Insurance
Christopher Harris, CFP®, CRPC® - Senior Vice President, Financial Advisor
Phone: (602) 954-5787
Email: Christopher.J.Harris@morganstanley.com
Since starting his career as a financial advisor in 2001, Chris works with affluent families, individual clients and closely-held businesses. Through personal consultations, Chris meets with each client to set quantifiable goals and helps them prioritize their needs. Once this has been established, Chris develops and implements a customized strategy using a wide variety of financial tools and techniques. Chris has earned the CERTIFIED FINANCIAL PLANNER™ certification and the Chartered Retirement Planning Counselor®™ designation. The CFP® certification is a designation awarded by the Certified Financial Planner Board of Standards Inc. Chris was named to the 2023 Forbes "Best-in-State Wealth Advisors" list. Chris is a dedicated family man to his wife Adriane and three kids (Will, Raegan and Beau), participates in his children's club sports teams and enjoys outdoor activities.
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Nihaal Rao, CFP®, CRPC®, CPWA® - Senior Vice President, Financial Advisor
Phone: (602) 954-5788
Email: Nihaal.Rao@morganstanley.com
Neil has been a financial advisor since 1997. He focuses on portfolio construction and tracking, asset allocation, risk management and alternative investment strategies tailored to the investment needs of each client. Neil works extensively with option strategies to seek additional investment income and potentially hedge concentrated positions. He has a focus on physicians and health care professionals. Neil was named to the 2023 Forbes "Best-in-State Wealth Advisors" list. Neil has earned the Chartered Retirement Planning Counselor®™ designation, the CERTIFIED FINANCIAL PLANNER™, and the Certified Private Wealth Advisor®™ certifications. The CFP® certification is a designation awarded by the Certified Financial Planner Board of Standards, Inc. The CPWA® designation is an advanced professional certification awarded by the Investments & Wealth Institute for advisors who serve high-net-worth clients. Neil holds a Bachelor's Degree from the University of Arizona, as well as a Master's Degree from The American College of Financial Services. He also has a Master of Business Administration (MBA) from Benedictine University. He is an active member of the University of Arizona Alumni Association as well as a regular volunteer to the United Way and St. Vincent DePaul. Neil is married to Dr. Deepa Shah, and they have two daughters, Bella and Lily.
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Paul Farabaugh - Wealth Management Associate
Phone: (602) 954-5789
Email: Paul.Farabaugh@morganstanley.com
Paul Farabaugh is a seasoned professional in the world of finance and wealth management. Born and raised in Livonia, Michigan, Paul moved to the sun-kissed landscapes of Tempe, Arizona in 1991. Today, he resides in Chandler, Arizona with his wife, Jennifer, two daughters, Gabrielle and Allison, as well as their dogs, Lucky and Princess. An alumnus of the University of Arizona, Paul earned his bachelor's in Finance and Accounting in 2001, later adding an MBA from the University of Phoenix in 2006.
His professional journey includes managing a staggering $1.5 billion corporate cash portfolio for a local For-Profit University and holding multiple esteemed positions at his prior Wall Street Firm since 2007, such as a Financial Advisor, Associate Market Supervision Manager, and Wealth Management Client Associate.
Beyond his corporate commitments, Paul has dedicated his time to the community as a board member of a non-profit Autism organization and by founding a youth softball club team. In his downtime, Paul's passions are diverse, ranging from travel, real estate investing, and being an aficionado of cigars, wine, and bourbon tasting. For Paul, amidst the accolades and achievements, family moments remain the most treasured.
Karen McAndrew - Senior Client Service Associate
Phone: (602) 954-5782
Email: Karen.McAndrew@morganstanley.com
With a career spanning over 30 years in the finance industry, Karen McAndrew stands as a testament to dedication and focus in the field. Her journey in finance has seen her collaborate with world-class companies in a variety of significant roles including Vice President, Hedge Fund Trader, Market Maker and Associate positions. Born and raised in New York City, she took a bold leap of faith in 2014, relocating to Arizona and embarking on an impressive tenure with Morgan Stanley.
Now, nearly a decade into her role, Karen has distinguished herself as an experienced Senior Client Service Associate, skillfully handling onboarding, client services, operations, and account maintenance. Her skills extend across equity trading, risk/compliance, and operations. She is also dedicated to mentorship, generously sharing her knowledge with colleagues to enhance their support roles.
Settled in Chandler, Arizona with her husband Michael and their two dogs, Penelope and Desmond, Karen enjoys family time, music, and unwinding at the spa. Complementing her professional life, Karen has a strong commitment to philanthropy, actively engaging in community service and finding fulfillment in giving back.
Morgan Stanley Digital Tools, Market Analysis, & Tax 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 that we have to offer our clients. You can also find up to date research and analysis from the Morgan Stanley research team to keep you updated and informed.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
The GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
GIC "On The Markets"
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
2024 Tax Tables
This helpful resource outlines the 2024 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
Planning your future
Our team will work with you to understand what your priorities are during these crucial years and implement a customized strategy for you. Whether it is planning for retirement, transitioning into retirement, or already managing your assets in retirement, our team is equipped with the resources and the knowledge to help you accomplish your personal and financial goal.
Understanding your Savings Vehicles
When it comes to retirement savings, the most important thing is to get started—after all, time is one of your greatest assets. Although retirement may seem far for some, it is essential to get started on planning for future living expenses, potential education funds, or travel costs. Let us help you educate on ways to grow and preserve your wealth.
The Psychological Transition into Retirement
Most retirement preparations focus on financial planning, but it is equally crucial to look at personal considerations and help you with easing the fear of the unknown. Given that many people overlook the psychological adjustments of retirement, we can help you understand why it's important to be emotionally (not just financially) ready for retirement.
Risks to Your Retirement
Once you determine what kind of retirement you want, we will work together to take a closer look at the risks that might be standing between you and your retirement goals. No matter how well you save during the accumulation phase, it's critical to plan how you convert those assets to income. We can help you navigate the challenges that may arise.
Impact of Taxes
The strategies you use when drawing down your retirement savings can have a significant impact on how much you'll pay in taxes and may help you keep more of the returns. Each retiree's situation is different but establishing a tax management strategy for your investments can help you retain more of your investment returns.
Location
16155 N 83rd Ave
Suite 100
Peoria, AZ 85382
US
Direct:
(623) 875-2424(623) 875-2424
Toll-Free:
(800) 347-5032(800) 347-5032
Fax:
(623) 875-0706(623) 875-0706
Meet My Team
Karen McAndrew
Senior Client Service Associate
Phone:
(602) 954-5782(602) 954-5782
About James Clark
As a native Arizonian with deep roots in the community, I bring nearly three decades of experience to my role as a Financial Advisor at Morgan Stanley. After joining Smith Barney in 1996, I've dedicated my career to guiding clients through all major life events with an intention of helping them reach their goals. In my free time, I enjoy swimming, exploring new interests, and am currently learning German, reflecting a lifelong passion and commitment I have to learning something new every day.
Securities Agent: OH, MO, CO, TX, OR, NE, MN, IL, AZ, AK, NY, NJ, FL, WI, WA, VA, SD, CT, NM, MI, CA, NV, MT, NC; General Securities Representative; Investment Advisor Representative
About Karen McAndrew
With a career spanning over 30 years in the finance industry, Karen McAndrew stands as a testament to dedication and focus in the field. Her journey in finance has seen her collaborate with world-class companies in a variety of significant roles including Vice President, Hedge Fund Trader, Market Maker and Associate positions. Born and raised in New York City, she took a bold leap of faith in 2014, relocating to Arizona and embarking on an impressive tenure with Morgan Stanley.
Now, nearly a decade into her role, Karen has distinguished herself as an experienced Senior Client Service Associate, skillfully handling onboarding, client services, operations, and account maintenance. Her skills extend across equity trading, risk/compliance, and operations. She is also dedicated to mentorship, generously sharing her knowledge with colleagues to enhance their support roles.
Settled in Chandler, Arizona with her husband Michael and their two dogs, Penelope and Desmond, Karen enjoys family time, music, and unwinding at the spa. Complementing her professional life, Karen has a strong commitment to philanthropy, actively engaging in community service and finding fulfillment in giving back.
Now, nearly a decade into her role, Karen has distinguished herself as an experienced Senior Client Service Associate, skillfully handling onboarding, client services, operations, and account maintenance. Her skills extend across equity trading, risk/compliance, and operations. She is also dedicated to mentorship, generously sharing her knowledge with colleagues to enhance their support roles.
Settled in Chandler, Arizona with her husband Michael and their two dogs, Penelope and Desmond, Karen enjoys family time, music, and unwinding at the spa. Complementing her professional life, Karen has a strong commitment to philanthropy, actively engaging in community service and finding fulfillment in giving back.
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
Nikki Ranck
Private Banker
Alex Delgadillo
Financial Planning Director, Vice President
About Nikki Ranck
Nikki Ranck is a Private Banker serving Morgan Stanley Wealth Management offices in Arizona and New Mexico.
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.
Nikki began her career in financial services in 2006, and joined Morgan Stanley in 2022 as a Private Banker. Prior to joining the firm, she was a Senior Client Service Associate at JP Morgan’s Private Bank. She also served as a Mortgage Banker and Branch Manager at JP Morgan Chase, and a Service Manager and Personal Banker at Wells Fargo Bank, N.A.
Nikki lives in Scottsdale, Arizona with her family. Outside of the office, she enjoys traveling and spending time with her family.
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.
Nikki began her career in financial services in 2006, and joined Morgan Stanley in 2022 as a Private Banker. Prior to joining the firm, she was a Senior Client Service Associate at JP Morgan’s Private Bank. She also served as a Mortgage Banker and Branch Manager at JP Morgan Chase, and a Service Manager and Personal Banker at Wells Fargo Bank, N.A.
Nikki lives in Scottsdale, Arizona with her family. Outside of the office, she enjoys traveling and spending time with her family.
NMLS#: 1075581
About Alex Delgadillo
Alex is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Arizona and New Mexico He is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Alex began his career in financial services in 2010, and joined Morgan Stanley in 2022. Prior to his current position, he worked as a Private Client Advisor for J.P. Morgan.
Alex graduated from Arizona State University and Tecnológico de Monterrey and holds his Certified Financial Planner™ designation. Alex lives in Phoenix, Arizona with his family. Outside of work, Alex enjoys film production, stand-up comedy, and tennis. Some organizations that he supports include the Community Food Bank of Southern Arizona, Phoenix Committee on Foreign Relations, Phoenix Sister Cities, Detour Theatre Company, and Cowtown SKATE.
Alex began his career in financial services in 2010, and joined Morgan Stanley in 2022. Prior to his current position, he worked as a Private Client Advisor for J.P. Morgan.
Alex graduated from Arizona State University and Tecnológico de Monterrey and holds his Certified Financial Planner™ designation. Alex lives in Phoenix, Arizona with his family. Outside of work, Alex enjoys film production, stand-up comedy, and tennis. Some organizations that he supports include the Community Food Bank of Southern Arizona, Phoenix Committee on Foreign Relations, Phoenix Sister Cities, Detour Theatre Company, and Cowtown SKATE.
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 James Clark 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.
1Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Investors 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.
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.
5An 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.
6Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Municipal 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.
11Morgan 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.
12When 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.
13When 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.
14Morgan 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
1Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Investors 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.
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.
5An 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.
6Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Municipal 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.
11Morgan 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.
12When 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.
13When 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.
14Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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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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Awards Disclosures
CRC 6491812 (04/2024)
