Christopher Driscoll
Client Service Associate
Phone:
(516) 227-6138(516) 227-6138
Jason Sanders, CPM®, C(k)P®
Senior Vice President, Wealth Management,
Financial Advisor,
Senior Portfolio Management Director,
Workplace Advisor – Equity Compensation
Direct:
(516) 683-3173(516) 683-3173
Toll-Free:
(800) 488-4083(800) 488-4083
My Mission Statement
Comprehensive wealth planning strategies for your life and legacy.
Welcome
If you want to be a successful investor, consider first how much money you may lose. If you start by first considering how much money you may lose, many good things will happen. You will be patient before you make an investment. You will study alternatives that may result in better outcomes. You will research fees, expenses, and taxes. You will understand the benefits of diversification. You will identify strategies designed to turn debt into equity. You may consider a good financial professional to help you implement your plans, and you should base your consideration on that professional’s knowledge and recommendations.Here are some of mine-Factor based diversified portfolios-Balance sheet investing with a particular emphasis on turning debt into equity-Individual Growth & Value stock strategies-Fixed Income and Midstream investments-Retirement counseling.
Services Include
- Alternative InvestmentsFootnote1
- Asset Management
- Business Succession PlanningFootnote2
- Cash Management and Lending ProductsFootnote3
- Corporate Retirement PlansFootnote4
- Estate Planning StrategiesFootnote5
- Financial PlanningFootnote6
- Life InsuranceFootnote7
- Professional Portfolio ManagementFootnote8
- Retirement PlanningFootnote9
- Trust ServicesFootnote10
- Wealth ManagementFootnote11
- 401(k) Rollovers
Securities Agent: MA, AK, OR, NV, NM, HI, DE, WY, MD, WI, RI, ND, MI, WV, SC, ME, KS, IA, AR, NH, KY, DC, CA, WA, VT, VA, UT, TX, TN, PA, GA, OK, CT, AL, PR, IL, OH, NJ, NC, MN, IN, FL, AZ, NY, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 1270036
CA Insurance License #: 4037205
NMLS#: 1270036
CA Insurance License #: 4037205
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
MY PROCESS
My approach to client service is simple - I put you at the center of everything I do. I recognize that getting to know you is essential to success, so I am focused on active listening and collaboration. The more I know about you, the better I understand your needs and what you want to accomplish working with me.
My goals-based approach leads to strategies that are not only designed to reach specific financial targets but are reflective of who you are and how you intend to share wealth with others.
My goals-based approach leads to strategies that are not only designed to reach specific financial targets but are reflective of who you are and how you intend to share wealth with others.
Step 1: Introduction
We begin with an informal conversation. This is an opportunity to learn about each other, as well as understand your financial concerns. We'll then schedule a more in-depth discussion and ask you to bring important financial documents.
Step 2: Discovery
We continue the dialogue by fostering an in-depth conversation where I learn about the values that shape your decisions, and identify where we can add value. We also review the information you've prepared and define specific priorities within.
Step 3: Analysis & Plan Development
Here, I utilize various financial planning tools to develop a detailed and completely personalized plan with recommendations to help you preserve and grow your wealth.
Step 4: Implementation
In this step, I present appropriate strategies that are designed to work together to achieve your goals. Upon your approval, I initiate the investment recommendations and begin to implement the additional strategies we’ve discussed. These often encompass risk management and estate planning.
Step 5: Ongoing Service
Committed to an ongoing premium service, I focus on creating a relationship that provides special value to you and your family. We'll set up tools for your immediate access to all account information and because personal needs evolve over time, we will schedule ongoing meetings to keep up to date plans regarding your goals.
KEEPING YOU CONNECTED
Digital technology is centered on how people communicate, consume, transact, and travel. Our comprehensive suite of digital tools is designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients:
Morgan Stanley Online
Morgan Stanley Online (MSO) has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with eAuthorizations.
To learn more and to log in click here >>
Morgan Stanley Mobile App
Access your account wherever, whenever using the Morgan Stanley Mobile App. It gives you the same capabilities as Morgan Stanley Online from the convenience of your phone.
To learn more about the mobile capabilities and to get the app click here >
Total Wealth View
The ability to view all of your assets and liabilities together, whether held at Morgan Stanley or elsewhere, enables us to advise with your entire financial picture in mind.
To learn more, click here >>
Goals Planning System
A holistic Goals Planning System (GPS) approach to Wealth Management can help tailor an investment framework that considers key aspects of a client's life, such as retirement age, healthcare costs, home buying, cash management, legacy needs, and potential withdrawal strategies. Using goals as a benchmark, the investment strategy is continuously evaluated to ensure clients are on track.
To learn more, watch this video>>
Portfolio Risk Platform
This platform allows the ability to leverage state-of- the art analytics that help identify various elements of risk in your holdings. You can even see your total assets and financial risk as an integrated whole, not just within a particular portfolio.
To learn more, watch this video>>
Tips To Navigate Your Parents’ Evolving Needs and Finding Balance in the Chaos
A multitude of economic, social and cultural factors have given rise to many middle-aged Americans providing financial, emotional and physical support for their young children, adult children and parents at the same time, often with multiple generations living under one roof. Caring for children while caring for parents, while also trying to keep your own head above water, is a life masterclass in juggling. Needs are constantly competing for attention and resources, often leaving you stuck in the middle.
One of the main concerns facing the Sandwich Generation is: “How do I plan for my own future – my own retirement needs – when I’m constantly balancing the immediate needs of my family?” By addressing the three questions below, you can start to find balance in the chaos, while making sure your own financial future is secure.
One of the main concerns facing the Sandwich Generation is: “How do I plan for my own future – my own retirement needs – when I’m constantly balancing the immediate needs of my family?” By addressing the three questions below, you can start to find balance in the chaos, while making sure your own financial future is secure.
What Are My Needs?
Flight attendants tell you to put on your own oxygen mask first before helping others and this is no different. The first step is to create a personal budget.
- Determine Your Income. Specifically, you’ll want to determine your average monthly income. If your income varies by month, estimate by averaging the past six to 12 months.
- Evaluate Your Emergency Fund. Keeping a stash of cash on hand in case of an emergency is essential. Your emergency fund should be separate from your day-to-day cash, and if you can, put away enough to cover at least three to six months’ of expenses.
- Plan for Savings & Surplus. If you have surplus in your budget, it may be challenging to decide what to do with it. As a dual caregiver, there are an unending number of things you could do with that money, but the most important thing is to pay yourself first. A good rule of thumb is to save for your retirement ahead of your children’s college funds and your parents’ care needs. Be sure to pay off all your debt and evaluate your insurance needs.
What Are My Children’s Needs?
One of the biggest expenses of raising a child is education. If they’re young, consider whether private school tuition is going to be necessary. There may also be the added expenses of books, extracurricular activities and tutors. If you can swing it without sacrificing your own retirement needs, open a 529 College Savings plan, and start investing with as little as $25 per month.
Fifty percent of young Millennials plan to move back home with their parents after college.1 In order to make this work for everyone, it’s important to set expectations. Talk through everything from rent and shared expenses to division of household chores. Don’t neglect the impact this situation will have on your own retirement goals.
Fifty percent of young Millennials plan to move back home with their parents after college.1 In order to make this work for everyone, it’s important to set expectations. Talk through everything from rent and shared expenses to division of household chores. Don’t neglect the impact this situation will have on your own retirement goals.
What Are My Parents’ Needs?
Navigating the needs of your parents can be emotional and tricky. But staying in the loop on what your parents have saved, where it is, what plans they have for the future, and who they trust as their Financial Advisor, will help protect their money and yours. You'll also be better able to make decisions on their behalf in case of an emergency.
Budgeting for your parents’ current and future needs is important. The good news is that you can use the same process you used to create your own budget. Include discussions about their desired standard of living – and what changes would need to happen, given financial constraints. Don’t forget the hard questions: How long can my parents stay in their home? Can they afford home health care? Should they live with me? What about assisted living? Additional care? These are all discussions that need to happen before a move is required.
Budgeting for your parents’ current and future needs is important. The good news is that you can use the same process you used to create your own budget. Include discussions about their desired standard of living – and what changes would need to happen, given financial constraints. Don’t forget the hard questions: How long can my parents stay in their home? Can they afford home health care? Should they live with me? What about assisted living? Additional care? These are all discussions that need to happen before a move is required.
Finding Balance in the Chaos
Dual caregiving comes with a lot of chaos. Don’t forget to make yourself a priority. By creating a clear picture of the needs of every generation under your care, you can map out strategies and solutions that help your entire family thrive. And if you need additional guidance on how to balance this big picture, don’t be afraid to reach out to a financial advisor for help.
1 Forbes. 50% Of Millennials Are Moving Back Home With Their Parents After College. Available at https://www.forbes.com/sites/zackfriedman/2019/06/06/millennials-move-back-home-college/. Accessed February 24, 2020.
If an account owner or the beneficiary resides in or pays income taxes to a state that offers its own 529 college savings or pre-paid tuition plan (an “In-State Plan”), that state may offer state or local tax benefits. These tax benefits may include deductible contributions, deferral of taxes on earnings and/or tax-free withdrawals. In addition, some states waive or discount fees or offer other benefits for state residents or taxpayers who participate in the In-State Plan. An account owner may be denied any or all state or local tax benefits or expense reductions by investing in another state’s plan (an “Out-of-State Plan”). In addition, an account owner’s state or locality may seek to recover the value of tax benefits (by assessing income or penalty taxes) should an account owner rollover or transfer assets from an In-State Plan to an Out-of-State Plan. While state and local tax consequences and plan expenses are not the only factors to consider when investing in a 529 Plan, they are important to an account owner’s investment return and should be taken into account when selecting a 529 plan.
Tax laws are complex and are subject to change. This information is based upon current tax rules in effect at the time this was written. Morgan Stanley Smith Barney LLC and its Financial Advisors do not provide tax or legal advice. 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.
Investments in a 529 Plan are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so an individual may lose money. Investors should review a Program Disclosure Statement, which contains more information on investment options, risks factors, fees and expenses and possible tax consequences. Investors should read the Program Disclosure Statement carefully before investing.
©2020 Morgan Stanley Smith Barney LLC. Member SIPC.
CRC# 2952350 03/2020
COMPREHENSIVE WEALTH MANAGEMENT AND BUSINESS SOLUTIONS
I believe that effective wealth management requires adherence to an overall, tightly integrated strategy. Accordingly, I provide a full array of services, and can also leverage the expertise and vast global resources of Morgan Stanley specialists as appropriate.
Investment Management
• Portfolio construction and management
• Tax-efficient asset allocation
• Open architecture platform
• Diversification of concentrated stock positions
• Alternative investments
• Tax-efficient asset allocation
• Open architecture platform
• Diversification of concentrated stock positions
• Alternative investments
Business Services
• Mergers and acquisitions
• Raising capital
• Restructuring
• Private secondary's
• Retirement plans
• ESOPs
• Raising capital
• Restructuring
• Private secondary's
• Retirement plans
• ESOPs
Legacy planning: trusts and estates
• Estate planning
• Family wealth governance
• Family mission statements
• Wealth transfer and trust strategies
• Coordination with trusted legal and tax advisors
• Family wealth governance
• Family mission statements
• Wealth transfer and trust strategies
• Coordination with trusted legal and tax advisors
Cash Management
• Preferred Savings
• Cash Plus
• Reserved Living and Giving
• Certificates of Deposit
• Cash Plus
• Reserved Living and Giving
• Certificates of Deposit
Banking and Lending
• Tailored Lending
• Liquidity access lines
• Mortgages
• CMBS
• Liquidity access lines
• Mortgages
• CMBS
Insurance
• Life insurance
• Health insurance
• Long-term care insurance
• Annuities
• Health insurance
• Long-term care insurance
• Annuities
Location
1200 Franklin Avenue 2nd
Fl
Garden City, NY 11530
US
Direct:
(516) 683-3173(516) 683-3173
Toll-Free:
(800) 488-4083(800) 488-4083
Fax:
(516) 977-9249(516) 977-9249
Meet My Team
About Christopher Driscoll
Christopher Driscoll is a registered client services associate serving Morgan Stanley’s Wealth Management offices in Western long Island.
Christopher began his career in financial services in 2022 and joined Morgan Stanley in 2024. Prior to joining the firm, he was a registered agent with New York Life Insurance Company, and an investment consultant with Fidelity.
Christopher received a Bachelor of Science in Business Administration at Farmingdale State College. He currently resides in Seaford, NY. Outside of the office, Christopher enjoys traveling, working out, and attending sporting events.
Christopher began his career in financial services in 2022 and joined Morgan Stanley in 2024. Prior to joining the firm, he was a registered agent with New York Life Insurance Company, and an investment consultant with Fidelity.
Christopher received a Bachelor of Science in Business Administration at Farmingdale State College. He currently resides in Seaford, NY. Outside of the office, Christopher enjoys traveling, working out, and attending sporting events.
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
Breno Vilete
Associate Private Banker
Charlie Simon
Planning Associate
About Breno Vilete
Breno Vilete is an Associate Private Banker serving Morgan Stanley Wealth Management offices in New York.
Associate Private Bankers partner with Private Bankers and 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.
Breno began his career in financial services in 2011, and joined Morgan Stanley in 2022 as an Associate Private Banker. Prior to joining the firm, he was a Senior Relationship Banker at Santander Bank. He also served as a Wealth Strategy Associate at UBS.
Breno is a graduate of the Kean University, where he received a Bachelor of Science in Finance. He lives in Wantagh, New York. Outside of the office, Breno enjoys riding his peloton, working out, and watching movies.
Associate Private Bankers partner with Private Bankers and 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.
Breno began his career in financial services in 2011, and joined Morgan Stanley in 2022 as an Associate Private Banker. Prior to joining the firm, he was a Senior Relationship Banker at Santander Bank. He also served as a Wealth Strategy Associate at UBS.
Breno is a graduate of the Kean University, where he received a Bachelor of Science in Finance. He lives in Wantagh, New York. Outside of the office, Breno enjoys riding his peloton, working out, and watching movies.
NMLS#: 910208
About Charlie Simon
Charlie Simon is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define the goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Charlie provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Gettysburg College and received the Financial Planning Specialist® designation from the College for Financial Planning. Charlie is originally from Fairfield, Connecticut and currently resides in New York City.
He earned his undergraduate degree from Gettysburg College and received the Financial Planning Specialist® designation from the College for Financial Planning. Charlie is originally from Fairfield, Connecticut and currently resides in New York City.
Wealth Management
From My Desk
To Manage Risks, You Have to See Them First
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
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
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
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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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.
Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
State of the Workplace Study 2023
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Ready to start a conversation? Contact Jason Sanders today.
1Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
4When 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.
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 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.
8Morgan 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.
9When 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.
10Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
11Morgan 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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
4When 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.
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 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.
8Morgan 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.
9When 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.
10Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
11Morgan 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.
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Awards Disclosures
CRC 6491812 (04/2024)
