Brian Kerns
Lead Private Banker
Jean-Pierre Gobic
Senior Vice President, Wealth Management,
Financial Advisor,
Family Wealth Advisor,
Alternative Investments Director
Direct:
(941) 363-8508(941) 363-8508
My Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
My Story and Services
I believe success in achieving important financial goals starts with a comprehensive wealth strategy. I will help you define what is most important to you and then formulate the strategies that are suited for your needs, whether you are accumulating wealth or investing for income, solidifying your retirement plan or devising a distribution approach that meets your lifestyle and legacy goals.
Services Include
- Fixed IncomeFootnote1
- Life InsuranceFootnote2
- Municipal BondsFootnote3
- Philanthropic Services
- Precious MetalsFootnote4
- Retirement PlanningFootnote5
- Wealth ManagementFootnote6
- 401(k) Rollovers
- Access to Lending Services
- Alternative InvestmentsFootnote7
- Asset Management
- Certificates of DepositFootnote8
- Estate Planning StrategiesFootnote9
- Executive Financial ServicesFootnote10
- Family Consulting
Securities Agent: MA, UT, CT, OH, NY, GA, DE, TX, MO, SC, WV, VT, WI, CO, IA, TN, VA, KY, KS, WA, NH, ME, FL, MD, HI, DC, IL, OR, RI, AL, AZ, CA, IN, MI, MT, NC, NJ, PA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1398719
NMLS#: 1398719
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Education and Licensing
- Attended Fordham Graduate School
- Adelphi University, Undergraduate
- Alternative Investment Certified
- Life, Health, Variable Annuity and Long Term Care Insurance Licensed
- Series 31 - Futures Managed Funds License
- Series 66 - Uniform Combined State Law License
- Series 7 - General Securities License
Associations
- Member of Rotary Club of Sarasota Florida
Client Service Team
Henley Ridore - Registered Client Service Associate
Phone:
(407) 849-4701(407) 849-4701
Email:Henley.Ridore@morganstanley.com
Henley Ridore is a Registered Client Service Associate working with Morgan Stanley since 2021. Henley received his B.S. in Health Service Administration from University of Central Florida in 2018 and a MBA with a specialization in Finance from The University of Texas of the Permian Basin in 2021. Prior to Morgan Stanley, Henley served as a Registered Relationship Banker at Wells Fargo. Henley currently holds a license in Series 63, 66, 6 and 7.
His primary focus is centered on developing and maintaining client relationships through active engagement and communication with new and existing clients. Taking the lead on duties such as client onboarding, trade execution, resolving inquiries, and ensuring key information and documentation remains current and in compliance.
When not assisting clients and seeing to the needs of the day, Henley is an avid reader. One of his favorite authors is Ryan Holiday and the novel The Obstacle is the Way. When not immersed in a book, he enjoys jogging and frequent road trips along the east coast with his wife.
Areas of Focus:
• Relationship Management
• Operational Support
• Risk and Compliance
• Trading
His primary focus is centered on developing and maintaining client relationships through active engagement and communication with new and existing clients. Taking the lead on duties such as client onboarding, trade execution, resolving inquiries, and ensuring key information and documentation remains current and in compliance.
When not assisting clients and seeing to the needs of the day, Henley is an avid reader. One of his favorite authors is Ryan Holiday and the novel The Obstacle is the Way. When not immersed in a book, he enjoys jogging and frequent road trips along the east coast with his wife.
Areas of Focus:
• Relationship Management
• Operational Support
• Risk and Compliance
• Trading
Edward Ho - Senior Vice President, Financial Advisor
Phone:
(407) 849-4792(407) 849-4792
Email:Edward.Ho@Morganstanley.com
Edward Ho is an Alternative Investments Director and CERTIFIED INVESTMENT MANAGEMENT ANALYST® at Morgan Stanley. With more than 25 years of experience in the financial services industry, Edward focuses on delivering a core financial plan for his clients that is then backfilled by the appropriate investments to ensure the client meets their financial goal.
Edward received his B.S. in Biology and MBA in finance from Vanderbilt University. Upon graduation, he joined the financial services industry working his way up to the position of portfolio manager. He then transitioned to the role of a Financial Advisor at Morgan Stanley. Edward earned CERTIFIED INVESTMENT MANANGMENT ANLAYST® designation to help ensure he brings the most up-to-date skills and analysis to his clients' financial plans. As a CIMA® professional, Edward combines his advanced knowledge in investment and portfolio management to ensure his clients are correctly allocated to achieve their outlined goals. This combination of skills and investment knowledge is a great benefit to clients and the team as a whole. As a result of Edward's exceptional portfolio management skills, he has been designated as a Senior Portfolio Manager within Morgan Stanley.
Deeply involved in his community, Edward is a key member in Habitat for Humanity, a non-for-profit that aims to build affordable housing, revitalize neighborhoods, and strengthen communities. In his free time, Edward enjoys spending time participating in the CFA association, playing the violin, and honoring God through the Winter Park Episcopal Church.
Edward received his B.S. in Biology and MBA in finance from Vanderbilt University. Upon graduation, he joined the financial services industry working his way up to the position of portfolio manager. He then transitioned to the role of a Financial Advisor at Morgan Stanley. Edward earned CERTIFIED INVESTMENT MANANGMENT ANLAYST® designation to help ensure he brings the most up-to-date skills and analysis to his clients' financial plans. As a CIMA® professional, Edward combines his advanced knowledge in investment and portfolio management to ensure his clients are correctly allocated to achieve their outlined goals. This combination of skills and investment knowledge is a great benefit to clients and the team as a whole. As a result of Edward's exceptional portfolio management skills, he has been designated as a Senior Portfolio Manager within Morgan Stanley.
Deeply involved in his community, Edward is a key member in Habitat for Humanity, a non-for-profit that aims to build affordable housing, revitalize neighborhoods, and strengthen communities. In his free time, Edward enjoys spending time participating in the CFA association, playing the violin, and honoring God through the Winter Park Episcopal Church.
Securities Agent: WV, WI, WA, VT, VA, UT, TX, TN, SC, RI, PA, OR, OH, NY, NJ, NH, NC, MT, MO, MN, MI, ME, MD, MA, KY, KS, IN, IL, IA, GA, FL, DE, DC, CT, CO, CA, AZ, AR, AL, HI; General Securities Representative; Investment Advisor Representative
Edward Paul Magda - Vice President, Financial Advisor
Phone:
(941) 364-3552(941) 364-3552
Email:Edward.Magda@morganstanley.com
Edward Magda joined Morgan Stanley after spending the last 5 years on the Morgan Stanley fixed income trading desk. He has over 25-years’ experience in the financial industry, primarily in fixed income, where he has work as trader, institutional salesperson and portfolio manager. Prior to joining Morgan Stanley, Ed was a Portfolio Manager at Franklin Templeton managing individual municipal bond portfolios for high net worth clients and family offices. Prior to that he held similar positions at U.S trust and Oppenheimer Capital managing both taxable and tax-exempt fixed income assets. Ed began his career as a trader on the commodities desk at Bank of Tokyo in 1990 where he traded financial futures and options for institutional accounts.
Securities Agent: WI, TN, DE, RI, OH, MO, IA, DC, UT, TX, ME, CO, LA, VT, MI, KS, NJ, KY, FL, CT, AR, MD, HI, AZ, WV, MT, IL, WA, OR, NH, MA, GA, CA, AL, VA, SC, PA, NY, NC, MN, IN; General Securities Representative; Investment Advisor Representative
Joe Dean - Vice President, Financial Advisor
Phone:
(941) 364-3536(941) 364-3536
Email:Ernest.Dean.Jr@morganstanley.com
Joe joined Morgan Stanley as a Financial Advisor and Financial Planning Specialist after a 26-year career in finance and accounting including the Chief Financial Officer position for several public and private companies in Southwest Florida. His focus is on Financial Planning, Portfolio Risk Analysis, Separately Managed Accounts, and Alternative Investments.
Joe graduated from the University of Missouri with a BSBA in Accounting and also completed his Master of Business Administration degree at the University of South Florida, Executive MBA Program in Tampa, Florida. He is a Non-Practicing Certified Public Accountant with the Missouri State Board of Accountancy. He currently holds the Series 7, 31 and 66 securities licenses.
Joe lives in Sarasota with his wife Ann. They have three adult children: Joey, Casey and Katy.
Joe graduated from the University of Missouri with a BSBA in Accounting and also completed his Master of Business Administration degree at the University of South Florida, Executive MBA Program in Tampa, Florida. He is a Non-Practicing Certified Public Accountant with the Missouri State Board of Accountancy. He currently holds the Series 7, 31 and 66 securities licenses.
Joe lives in Sarasota with his wife Ann. They have three adult children: Joey, Casey and Katy.
Securities Agent: FL, CO, NC, VT, MD, MI, VA, IA, AR, RI, NJ, MO, PA, AL, MN, CT, KS, OH, TN, WV, ME, UT, SC, GA, DE, CA, WA, HI, MT, NY, DC, IL, TX, MA, KY, AZ, IN, OR, WI, NH; General Securities Representative; Investment Advisor Representative; Managed Futures
Maile Aiwohi - Vice President, Financial Advisor
Phone:
(407) 849-4730(407) 849-4730
Email:Maile.Aiwohi@morganstanley.com
With 10 years of experience in the industry, Maile joined The Accelerando Group in 2023 to elevate her clients’ experience, focused on building lasting relationships centered on trust and communication. She works diligently with individuals, families, and businesses to create financial plans that help them to and through each life event they come across.
Maile received a BA and MA from SUNY Stony Brook, a Secondary Education Teaching certificate from Hawaii Pacific University, and an MBA from University of Florida. She is highly involved in the Orlando community having served as an Executive Board Member for 6 years, 2 years as President, on Windermere Elementary PTO, 2 years on the City of Orlando Certification Appeals Board, and a current Board Member for the West Orange County Lacrosse Club. She also volunteers time at the City of Orlando Fire Museum, YMCA, and is a Coach for girl’s lacrosse at the elementary level.
Maile received a BA and MA from SUNY Stony Brook, a Secondary Education Teaching certificate from Hawaii Pacific University, and an MBA from University of Florida. She is highly involved in the Orlando community having served as an Executive Board Member for 6 years, 2 years as President, on Windermere Elementary PTO, 2 years on the City of Orlando Certification Appeals Board, and a current Board Member for the West Orange County Lacrosse Club. She also volunteers time at the City of Orlando Fire Museum, YMCA, and is a Coach for girl’s lacrosse at the elementary level.
Securities Agent: PA, AL, MO, KY, HI, VA, NY, NH, NC, MN, IL, DE, AR, WI, WA, OR, MI, IA, MT, ID, NJ, TN, MA, DC, CO, WV, PR, IN, SC, FL, VT, UT, TX, ME, CA, RI, OH, MD, KS, GA, CT, AZ; General Securities Representative; Investment Advisor Representative
Location
2 North Tamiami Trail
Ste 1100
Sarasota, FL 34236
US
Direct:
(941) 363-8508(941) 363-8508
Fax:
(941) 951-2513(941) 951-2513
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
Kevin Ryan, CFP®
Financial Planning Director, Vice President
About Brian Kerns
Brian Kerns is a Private Banker serving Morgan Stanley Wealth Management offices in Florida.
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.
Brian began his career in financial services in 2004, and joined Morgan Stanley in 2018. Prior to joining the firm, he was a Senior Premier Banker at SunTrust. He also served as a Wealth Management Banker at the Merrill Lynch.
Brian is a graduate of the University of North Florida, where he received a Bachelor of Business Administration in Business Management. Brian resides in Lake Mary, Florida with his wife and children. Outside of the office, he enjoys playing golf and coaching his son T-ball team.
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.
Brian began his career in financial services in 2004, and joined Morgan Stanley in 2018. Prior to joining the firm, he was a Senior Premier Banker at SunTrust. He also served as a Wealth Management Banker at the Merrill Lynch.
Brian is a graduate of the University of North Florida, where he received a Bachelor of Business Administration in Business Management. Brian resides in Lake Mary, Florida with his wife and children. Outside of the office, he enjoys playing golf and coaching his son T-ball team.
NMLS#: 652554
About Kevin Ryan
Kevin Ryan grew up in Merrick, Long Island and is the third oldest of eight children. As a student-athlete, he played basketball in high school, at Colgate University, and professionally in Luxembourg.
His career in Wealth Management began as a Financial Planner for SunTrust (Truist) eventually moving into the Ultra High Net Worth arena as a Senior Financial Adviser at the Merrill Lynch Palm Beach office and as the Wealth Strategist for BBVA Compass. He most recently served as a Wealth Management Adviser for C-Suite Executives at Goldman Sachs.
Kevin has two master’s degrees: an MBA from the University of North Carolina at Charlotte, and an MAFM (Master of Accounting and Financial Management) from the Keller Graduate School of Management.
Additionally, he holds six financial designations including: Certified Public Accountant (CPA); Certified Financial Planner (CFP®); Trust and Estate Practitioner (TEP); Certified Trust Financial Adviser (CTFA); Chartered Life Underwriter (CLU); and Chartered Financial Consultant (ChFC)
He has been married to Liliana Ryan for over 14 years and enjoys swimming, exercising, and classic rock.
His career in Wealth Management began as a Financial Planner for SunTrust (Truist) eventually moving into the Ultra High Net Worth arena as a Senior Financial Adviser at the Merrill Lynch Palm Beach office and as the Wealth Strategist for BBVA Compass. He most recently served as a Wealth Management Adviser for C-Suite Executives at Goldman Sachs.
Kevin has two master’s degrees: an MBA from the University of North Carolina at Charlotte, and an MAFM (Master of Accounting and Financial Management) from the Keller Graduate School of Management.
Additionally, he holds six financial designations including: Certified Public Accountant (CPA); Certified Financial Planner (CFP®); Trust and Estate Practitioner (TEP); Certified Trust Financial Adviser (CTFA); Chartered Life Underwriter (CLU); and Chartered Financial Consultant (ChFC)
He has been married to Liliana Ryan for over 14 years and enjoys swimming, exercising, and classic rock.
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
A Simple Six-Step Retirement Checkup
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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
The Robots are Coming
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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
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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
Ready to start a conversation? Contact Jean-Pierre Gobic today.
1Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Municipal 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.
4Physical precious metals are non-regulated products. Precious metals are speculative investments, which may experience short-term and long-term price volatility. The value of precious metals investments may fluctuate and may appreciate or decline, depending on market conditions. If sold in a declining market, the price you receive may be less than your original investment. Unlike bonds and stocks, precious metals do not make interest or dividend payments. Therefore, precious metals may not be appropriate for investors who require current income. Precious metals are commodities that should be safely stored, which may impose additional costs on the investor. The Securities Investor Protection Corporation (“SIPC”) provides certain protection for customers’ cash and securities in the event of a brokerage firm’s bankruptcy, other financial difficulties, or if customers’ assets are missing. SIPC protection does not apply to precious metals or other commodities.
5When 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.
6Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
7Alternative 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.
8Investors 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
10Morgan 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.
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.
2Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Municipal 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.
4Physical precious metals are non-regulated products. Precious metals are speculative investments, which may experience short-term and long-term price volatility. The value of precious metals investments may fluctuate and may appreciate or decline, depending on market conditions. If sold in a declining market, the price you receive may be less than your original investment. Unlike bonds and stocks, precious metals do not make interest or dividend payments. Therefore, precious metals may not be appropriate for investors who require current income. Precious metals are commodities that should be safely stored, which may impose additional costs on the investor. The Securities Investor Protection Corporation (“SIPC”) provides certain protection for customers’ cash and securities in the event of a brokerage firm’s bankruptcy, other financial difficulties, or if customers’ assets are missing. SIPC protection does not apply to precious metals or other commodities.
5When 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.
6Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
7Alternative 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.
8Investors 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
10Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
