Jennifer Hradek, CFP®
First Vice President,
Financial Advisor,
Portfolio Management Director
Direct:
(203) 221-6045(203) 221-6045
My Mission Statement
Helping you navigate life's decisions with thoughtful, comprehensive financial guidance tailored to your goals, priorities and what matters most to you
My Story and Services
My approach to wealth management begins with understanding the whole picture—not just your investments. I take the time to understand your goals, concerns, family dynamics and the life you want your wealth to support. From there, I develop a highly personalized financial strategy designed to bring clarity to complex decisions and help keep every aspect of your financial life working together.
As a CERTIFIED FINANCIAL PLANNER™ and Portfolio Management Director, I work with high-net-worth individuals and families on comprehensive financial planning and investment management. My work extends beyond portfolio construction to retirement planning, estate planning strategies, tax-aware planning, liability management, education funding and the many financial decisions that arise as life evolves.
I have a particular passion for helping women build financial confidence and independence, especially during periods of transition such as divorce, the loss of a spouse or caring for loved ones. Whatever brings a client to me, my goal is the same: to simplify the complex, anticipate what needs attention and provide thoughtful guidance that reflects the person behind the financial plan.
Before joining Morgan Stanley in 2011, I was an Associate at JPMorgan Chase, where I provided asset management and dedicated, concierge-level client service. I earned my Bachelor of Science with honors from Sacred Heart University, double majoring in Finance and Business Management.
Outside of the office, I enjoy live music, Pilates, volleyball, gardening and spending as much time near the water as possible. I live in Stratford, CT with my rescue dogs and consider Montauk a second home.
As a CERTIFIED FINANCIAL PLANNER™ and Portfolio Management Director, I work with high-net-worth individuals and families on comprehensive financial planning and investment management. My work extends beyond portfolio construction to retirement planning, estate planning strategies, tax-aware planning, liability management, education funding and the many financial decisions that arise as life evolves.
I have a particular passion for helping women build financial confidence and independence, especially during periods of transition such as divorce, the loss of a spouse or caring for loved ones. Whatever brings a client to me, my goal is the same: to simplify the complex, anticipate what needs attention and provide thoughtful guidance that reflects the person behind the financial plan.
Before joining Morgan Stanley in 2011, I was an Associate at JPMorgan Chase, where I provided asset management and dedicated, concierge-level client service. I earned my Bachelor of Science with honors from Sacred Heart University, double majoring in Finance and Business Management.
Outside of the office, I enjoy live music, Pilates, volleyball, gardening and spending as much time near the water as possible. I live in Stratford, CT with my rescue dogs and consider Montauk a second home.
Services Include
- Financial PlanningFootnote1
- Professional Portfolio ManagementFootnote2
- Divorce Financial AnalysisFootnote3
- Retirement PlanningFootnote4
- Wealth PlanningFootnote5
- Estate Planning StrategiesFootnote6
- Alternative InvestmentsFootnote7
- Cash Management and Lending ProductsFootnote8
- Life InsuranceFootnote9
- Donor Advised Funds
- Sustainable InvestingFootnote10
- Planning for Education FundingFootnote11
- AnnuitiesFootnote12
Securities Agent: WI, MT, UT, SC, DC, CT, WV, WA, OK, NH, KS, DE, CO, SD, OR, LA, MD, TN, PR, NC, MA, ID, AR, MI, ME, IN, IA, AZ, HI, VT, RI, PA, NY, NV, KY, GA, FL, TX, OH, NM, NJ, IL, VA, MN, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1663884
CA Insurance License #: 0H14944
NMLS#: 1663884
CA Insurance License #: 0H14944
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
My Commitment to You
In choosing to work with me, you are placing your trust in me to help you reach your financial goals and address any concerns you have. It’s a responsibility I take very seriously.
What I Do
Create and help you implement a personalized financial plan for you based on your goals, needs and preferences.
Provide thoughtful, objective advice and recommendations on any decision you face involving your assets to help ensure your financial choices always serve your goals.
To enhance my time-tested process, intellectual capital, and 18 years of experience, I leverage the vast resources and world-class research from Morgan Stanley. I also act as your advocate to help align your decisions with your overall strategy.
How I Do It
Take the time to get to know you – What are your short and long term goals? What keeps you up at night? Who or what in your life motivates you?
Provide a complete analysis of your cash flow, existing portfolios and retirement plans, estate plan, tax planning, insurance (life, disability, long term care, liability, property), and liabilities.
Implement and regularly monitor a comprehensive financial plan which includes investment management, liability management, and retirement, estate, tax, insurance planning strategies.
My work as your Financial Advisor and planner never ceases. I continually work to:
• Regularly review changes in your life that may drive adjustments in all aspects of your financial planning
• Address your questions or concerns with honesty, clarity and integrity
• Provide proactive and thoughtful white-glove service
• Coordinate with your accountant, attorney and other professionals in your life to ensure we are all working in tandem to achieve your goals
• Constantly educate myself on the evolving issues in personal finance – and pass on my knowledge to you and your loved ones
• Be the professional you count on throughout all stages of your life and your family’s lives
Advice Matters - Click here to learn more
What I Do
Create and help you implement a personalized financial plan for you based on your goals, needs and preferences.
Provide thoughtful, objective advice and recommendations on any decision you face involving your assets to help ensure your financial choices always serve your goals.
To enhance my time-tested process, intellectual capital, and 18 years of experience, I leverage the vast resources and world-class research from Morgan Stanley. I also act as your advocate to help align your decisions with your overall strategy.
How I Do It
Take the time to get to know you – What are your short and long term goals? What keeps you up at night? Who or what in your life motivates you?
Provide a complete analysis of your cash flow, existing portfolios and retirement plans, estate plan, tax planning, insurance (life, disability, long term care, liability, property), and liabilities.
Implement and regularly monitor a comprehensive financial plan which includes investment management, liability management, and retirement, estate, tax, insurance planning strategies.
My work as your Financial Advisor and planner never ceases. I continually work to:
• Regularly review changes in your life that may drive adjustments in all aspects of your financial planning
• Address your questions or concerns with honesty, clarity and integrity
• Provide proactive and thoughtful white-glove service
• Coordinate with your accountant, attorney and other professionals in your life to ensure we are all working in tandem to achieve your goals
• Constantly educate myself on the evolving issues in personal finance – and pass on my knowledge to you and your loved ones
• Be the professional you count on throughout all stages of your life and your family’s lives
Advice Matters - Click here to learn more
Serving the Unique Needs of Women
I was raised by several generations of single women and witnessed first-hand the financial obstacles faced and mistakes made without the guidance of a Financial Advisor. This is why I'm dedicated to helping women to be financially confident, literate, and independent. Often juggling children, careers, divorces, deaths of spouses, or being caretakers for their own parents or loved ones, women need clear and personalized plans that simplify their lives. I take the time to understand the distinctive goals, needs and concerns that women have, and collaborate with them to put the pieces of their unique puzzle together to form a roadmap for their financial future, and assist in adjusting their sails when life changes.
I strive to provide my female clients with peace of mind surrounding all aspects of their finances, so they can be freed up to focus on the things most important to them. Advising women throughout different stages of their lives, my services are centered around the distinctive values and preferences of my female clients. I enjoy uplifting clients and celebrating life’s achievements and milestones with them. I will take time to understand your hopes and dreams, and focus on efficiency, clarity and honesty. I’m here to help increase your financial literacy or take the reins from you if you prefer.
It’s not surprising that women think about money differently than men. Because of all the reasons below, I am committed to creating a collaborative goals based investing experience for all women so that they feel more secure and empowered about their finances.
• 48% of women fear that they will be unable to meet the basic financial needs of their family in retirement, compared to 36% of men.
• Only 35% of women with at least a bachelor’s degree are comfortable making investment decisions, compared to 60% of men.
• A woman who is now 65 years old will spend approximately $47,000 more during her retirement years for health care expenses than her male counterpart.
• 33% of widows have trouble locating bank accounts and investments after their spouse dies, and 49% of widows lose at least half their income after their spouse dies
• Whereas men get an average income boost of 6% when they don the dad cap (the so-called fatherhood bonus), women see their income drop by around 4% per child — for an average of $16,000 per year.
• Only 34% of women negotiated salary at their last job offer (compared to 46% of men)
• When it comes to senior caregivers, women spend an average of six years on their duties (versus four years for men)—roughly 10% of their adult life.
• 77% of single-parent households are headed by women.
• Women generally outlive their partners, and many will manage their finances alone later in life.
• Only 17% of women over age 85 are married with a living spouse, compared to 60% of men at the same age. Translation: Whether it is due to divorce or widowhood, the majority of women will eventually need to face their finances alone.
• 41% of women say their biggest financial regret is not investing more
* All statistics from “A Woman’s Guide to Life & Money” by Morgan Stanley (CRC 2788577, 2788488, 2788627 11/2019 WP2928041)
I strive to provide my female clients with peace of mind surrounding all aspects of their finances, so they can be freed up to focus on the things most important to them. Advising women throughout different stages of their lives, my services are centered around the distinctive values and preferences of my female clients. I enjoy uplifting clients and celebrating life’s achievements and milestones with them. I will take time to understand your hopes and dreams, and focus on efficiency, clarity and honesty. I’m here to help increase your financial literacy or take the reins from you if you prefer.
It’s not surprising that women think about money differently than men. Because of all the reasons below, I am committed to creating a collaborative goals based investing experience for all women so that they feel more secure and empowered about their finances.
• 48% of women fear that they will be unable to meet the basic financial needs of their family in retirement, compared to 36% of men.
• Only 35% of women with at least a bachelor’s degree are comfortable making investment decisions, compared to 60% of men.
• A woman who is now 65 years old will spend approximately $47,000 more during her retirement years for health care expenses than her male counterpart.
• 33% of widows have trouble locating bank accounts and investments after their spouse dies, and 49% of widows lose at least half their income after their spouse dies
• Whereas men get an average income boost of 6% when they don the dad cap (the so-called fatherhood bonus), women see their income drop by around 4% per child — for an average of $16,000 per year.
• Only 34% of women negotiated salary at their last job offer (compared to 46% of men)
• When it comes to senior caregivers, women spend an average of six years on their duties (versus four years for men)—roughly 10% of their adult life.
• 77% of single-parent households are headed by women.
• Women generally outlive their partners, and many will manage their finances alone later in life.
• Only 17% of women over age 85 are married with a living spouse, compared to 60% of men at the same age. Translation: Whether it is due to divorce or widowhood, the majority of women will eventually need to face their finances alone.
• 41% of women say their biggest financial regret is not investing more
* All statistics from “A Woman’s Guide to Life & Money” by Morgan Stanley (CRC 2788577, 2788488, 2788627 11/2019 WP2928041)
Your wealth is the fuel to power your goals and dreams, and therefore preserving and growing your assets is paramount to me. So that I can fully dedicate my time to your wide-breadth of financial needs, I have partnered with seasoned Senior Portfolio Management Directors, Daniel Wright, CFA®, and Matthew Bisland of The Shoreview Group to ensure your investments receive constant attention in the ever-changing financial environment. Dan and Matt have over 30 years* of combined portfolio management experience, and you can learn about their impressive credentials on their website - The Shoreview Group | Westport, CT | Morgan Stanley Wealth Management
Incorporating their extensive experience with mine, your investments will be actively managed with the objective of maintaining diversification as well as helping maximize tax-savings opportunities and cost efficiency in your portfolios. Dan, Matt and I share the same philosophy that your financial needs and goals are the pillar of your risk-based asset management plan.
*Dan Wright, a Chartered Financial Analyst® and Family Wealth Director, has been a Financial Advisor since 2004, and Matt Bisland, an Insurance Planning Director, has been a Financial Advisor since 2010. Both Dan and Matt are Senior Portfolio Management Directors and Alternative Investment Directors at Morgan Stanley.
Incorporating their extensive experience with mine, your investments will be actively managed with the objective of maintaining diversification as well as helping maximize tax-savings opportunities and cost efficiency in your portfolios. Dan, Matt and I share the same philosophy that your financial needs and goals are the pillar of your risk-based asset management plan.
*Dan Wright, a Chartered Financial Analyst® and Family Wealth Director, has been a Financial Advisor since 2004, and Matt Bisland, an Insurance Planning Director, has been a Financial Advisor since 2010. Both Dan and Matt are Senior Portfolio Management Directors and Alternative Investment Directors at Morgan Stanley.
Certified Financial Planner
Portfolio Management Director
Client Service Team
Rhys Schaper - Registered Service Associate
Phone:
(203) 221-6093(203) 221-6093
Email:Rhys.Schaper@morganstanley.com
Focusing on providing world-class client service to high-net-worth individuals and families, Rhys prides himself on growing and sustaining strong client relationships. Understanding the importance of client satisfaction and trust, Rhys will work to address your questions and needs efficiently and accurately. He provides effective solutions and assistance in the areas of financial transactions, account administration, assistance with online access, and educating clients about the breath of services that Morgan Stanley offers. He holds his Series 7 and 66 licenses.
Rhys graduated from Coastal Carolina University with a Bachelor of Science in Economics. He grew up in Fairfield, CT and currently resides in Black Rock, CT.
In his spare time, Rhys enjoys tennis, golf, fishing, going to the beach, and spending time with his friends and family.
Rhys graduated from Coastal Carolina University with a Bachelor of Science in Economics. He grew up in Fairfield, CT and currently resides in Black Rock, CT.
In his spare time, Rhys enjoys tennis, golf, fishing, going to the beach, and spending time with his friends and family.
Location
500 Post Road East
3rd Fl
Westport, CT 06880
US
Direct:
(203) 221-6045(203) 221-6045
Wealth Management
From My Desk
Tax-Smart Strategies for Your Retirement
Wealth Management
Global Investment Office
Portfolio Insights
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
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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
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Ready to start a conversation? Contact Jennifer Hradek today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan 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.
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.
8Morgan 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
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
11When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
12Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan 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.
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.
8Morgan 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
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
11When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
12Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
