Andy Grad
Senior Registered Client Service Associate
Jeremy Bisceglia, CFP®, CEPA®
Senior Vice President, Wealth Management,
Financial Advisor,
CERTIFIED FINANCIAL PLANNER®
Direct:
(615) 764-4477(615) 764-4477
Toll-Free:
(866) 835-7152(866) 835-7152
My Mission Statement
My mission is to deliver exceptional service, thoughtful guidance, and clear financial education, striving to empower clients to help identify and seek their financial goals. I believe in a collaborative approach, working together to navigate your financial journey.
My Story and Services
With over 19 years' experience in the financial services industry, I am committed to helping clients achieve their financial goals. My approach is built on three pillars: planning, investment management, and an ongoing service commitment to help you every step of the way.
My focuses include wealth management and retirement planning for individuals, families, business owners, executives, and corporate retirement plan participants.
My process begins with an in-depth conversation about your current financial situation and long-term objectives. Through careful planning, I uncover overlooked opportunities, address potential gaps, and create a strategy that adapts to life’s changes. With experienced investment management, I focus on growing and preserving your wealth, with an ongoing service commitment to help you stay informed, aligned, and prepared for the unexpected.
Let’s start the conversation about how I can help you and your family work towards a brighter financial future. Contact me today to begin.
My focuses include wealth management and retirement planning for individuals, families, business owners, executives, and corporate retirement plan participants.
My process begins with an in-depth conversation about your current financial situation and long-term objectives. Through careful planning, I uncover overlooked opportunities, address potential gaps, and create a strategy that adapts to life’s changes. With experienced investment management, I focus on growing and preserving your wealth, with an ongoing service commitment to help you stay informed, aligned, and prepared for the unexpected.
Let’s start the conversation about how I can help you and your family work towards a brighter financial future. Contact me today to begin.
Securities Agent: MN, WY, NC, MA, MO, OR, LA, MI, ND, OK, AL, GA, VA, WI, KY, WA, TN, NE, CA, WV, TX, NJ, SC, PA, IN, IL, FL, AZ, AR, MD, NY, KS, CO, PR, OH, MS; General Securities Representative; Investment Advisor Representative
NMLS#: 2158257
NMLS#: 2158257
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Jeremy is committed to providing clients with exceptional service, timely and thoughtful guidance, and clear financial education. Entering the financial industry in 2006, he brings over 18 years of experience, helping individuals, families, and businesses navigate the complexities of personal finance. His experience spans tailored wealth management, business and estate planning strategies, tax management strategies, corporate retirement plans, and sustainable investing.
Originally from Brentwood, TN, Jeremy attended Father Ryan High School before earning a degree in Political Science from Boston College. He is deeply passionate about working with clients to help seek their financial goals, and he considers it an honor to be part of their journeys.
Jeremy and his wife, Jennifer, have been married since 2002 and are the proud parents of three boys: one studying mechanical engineering at the University of Tennessee Chattanooga, another currently attending Father Ryan High School, and the youngest at St. Bernard Academy. As a family, they make an effort to travel internationally each year, fostering a shared love for exploration. Jeremy himself has visited 42 states and 24 countries, and he enjoys sharing these experiences with his family.
In his community, Jeremy actively participates in the Men’s Club at Holy Family Catholic Church and the Saint Bernard Parents Association. In 2022, he was honored as the Catholic Professional of the Year. Jeremy enjoys watching his children’s activities, playing touch rugby, and participating in mission trips.
Originally from Brentwood, TN, Jeremy attended Father Ryan High School before earning a degree in Political Science from Boston College. He is deeply passionate about working with clients to help seek their financial goals, and he considers it an honor to be part of their journeys.
Jeremy and his wife, Jennifer, have been married since 2002 and are the proud parents of three boys: one studying mechanical engineering at the University of Tennessee Chattanooga, another currently attending Father Ryan High School, and the youngest at St. Bernard Academy. As a family, they make an effort to travel internationally each year, fostering a shared love for exploration. Jeremy himself has visited 42 states and 24 countries, and he enjoys sharing these experiences with his family.
In his community, Jeremy actively participates in the Men’s Club at Holy Family Catholic Church and the Saint Bernard Parents Association. In 2022, he was honored as the Catholic Professional of the Year. Jeremy enjoys watching his children’s activities, playing touch rugby, and participating in mission trips.
Your Success, My Process
My disciplined approach begins with developing a comprehensive understanding of who you are, what you value and what you truly want your wealth to accomplish. Specifically, you can count on me to work closely with you in the following manner:
Discovery
Before offering specific recommendations, I take the time to truly understand you—both as a person and as an investor. I explore your goals, aspirations, and what you hope to achieve for yourself and your family. This involves an in-depth conversation about your current financial situation, future objectives, risk tolerance, and other factors that will help me develop a customized plan tailored specifically to you.
Formulation
I analyze your input to create a personalized wealth management plan with recommendations designed to meet the objectives you’ve set. These recommendations may include strategies for helping business owners plan their eventual exit, retirement planning, executive compensation, tax minimization, wealth transfer, private equity, and access to Banking and Lending Services. Most importantly, your plan features a customized asset allocation that accounts for your entire financial picture, including accounts held at other institutions.
Implementation
After presenting your plan, I collaborate closely with you to bring it to life. This may include consultations with Morgan Stanley specialists in areas such as private equity, estate planning, business exit planning, lending strategies, and other disciplines relevant to your needs. Additionally, I will develop an investment strategy tailored to the goals and criteria identified during the Discovery phase of our process.
Evaluation
I believe ongoing communication is essential to building a strong financial partnership. I am committed to staying attuned to your evolving financial needs and providing actionable solutions to address them. This involves continuously monitoring your plan and portfolio to ensure your assets are well-positioned to adapt to both your changing circumstances and shifting market conditions.
Digital Tools and Resources
As a client of Morgan Stanley Wealth Management, you have access to a wide array of digital tools and resources designed to enhance every aspect of your financial life. Here are a few of the technologies we offer to our clients:
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online Today
Total Wealth View
Securely housed within Morgan Stanley Online, Total Wealth View allows you to link accounts from other institutions. It gives you a more complete view of your financial picture and will help us make better decisions with respect to your goal planning. By updating your information in real time, it eliminates the inconvenience of having to provide statements and ensures that we are making decisions based on a full and timely financial picture.
Link Your Accounts
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started Today
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Enroll Today
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk Platform
Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our award winning tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth Management
Private Markets
Many of today’s companies stay private longer, with more of their valuation being created before they become publicly traded. Morgan Stanley Private Markets connects a broad network of potential private investors in an accessible ecosystem, allowing eligible clients to buy and sell securities of private companies.
Morgan Stanley Private MarketsLocation
2000 Meridian Blvd
Suite 290
Franklin, TN 37067
US
Direct:
(615) 764-4477(615) 764-4477
Toll-Free:
(866) 835-7152(866) 835-7152
Fax:
(615) 764-4401(615) 764-4401
Meet My Team
About Andy Grad
Andy Grad's journey to becoming a Senior Registered Client Service Associate at Morgan Stanley is fueled by a profound passion for helping others. His career has traversed various roles where he made significant impacts, from being an EMT to guiding individuals towards fulfilling careers as a recruiter. In late 2023, Andy brought this wealth of experience to Morgan Stanley, driven by an innate desire to aid clients in reaching their financial and retirement goals.
His academic background from San Francisco State University, where he earned a degree in Business Administration, forms the foundation of his deep understanding of the financial world. Andy’s professional acumen is further bolstered by an impressive array of certifications and licenses, including Life, Accident, Sickness & Health licenses, Variable Insurance license, SIE, Series 7, and Series 66. These qualifications enable him to offer comprehensive, well-rounded financial advice to his clients.
At the heart of Andy’s approach is his genuine care for his clients' well-being. He stands out in the financial services industry by prioritizing people over profits, a philosophy that resonates deeply with those he serves. His clients often describe him as caring and committed, traits that underscore his dedication to making a positive and lasting impact in their lives. Andy leverages a team-based approach, offering clients the reassurance and benefits of a diverse, experienced support system. The most fulfilling aspect of his work is witnessing the tangible, positive changes he facilitates in his clients' financial journeys.
Outside the office, Andy's commitment extends to his community involvement with the Surfrider Foundation, reflecting his dedication to environmental stewardship. His personal interests include a love for sports like hockey and golf, and a keen interest in computer technology and hardware. On a personal note, Andy has been embracing the journey of fatherhood, with his first child now almost a year old. This milestone has given him a deeper appreciation for the evolving financial needs of growing families, further enriching his perspective in his work.
His academic background from San Francisco State University, where he earned a degree in Business Administration, forms the foundation of his deep understanding of the financial world. Andy’s professional acumen is further bolstered by an impressive array of certifications and licenses, including Life, Accident, Sickness & Health licenses, Variable Insurance license, SIE, Series 7, and Series 66. These qualifications enable him to offer comprehensive, well-rounded financial advice to his clients.
At the heart of Andy’s approach is his genuine care for his clients' well-being. He stands out in the financial services industry by prioritizing people over profits, a philosophy that resonates deeply with those he serves. His clients often describe him as caring and committed, traits that underscore his dedication to making a positive and lasting impact in their lives. Andy leverages a team-based approach, offering clients the reassurance and benefits of a diverse, experienced support system. The most fulfilling aspect of his work is witnessing the tangible, positive changes he facilitates in his clients' financial journeys.
Outside the office, Andy's commitment extends to his community involvement with the Surfrider Foundation, reflecting his dedication to environmental stewardship. His personal interests include a love for sports like hockey and golf, and a keen interest in computer technology and hardware. On a personal note, Andy has been embracing the journey of fatherhood, with his first child now almost a year old. This milestone has given him a deeper appreciation for the evolving financial needs of growing families, further enriching his perspective in his work.
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
Mark Thompson
Private Banker
Robert Petersen
Private Banker
About Mark Thompson
NMLS# 152531
Mark Thompson is a Private Banker serving Morgan Stanley Wealth Management offices in Tennessee, Kentucky, and West Virginia.
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.
Mark began his career in financial services in 1995, and joined Morgan Stanley in 2016. Prior to joining the firm, he was a Private Banker at Merrill Lynch.
Mark is a graduate of St. Thomas University, where he received a Bachelor of Arts in Political Science. He lives in Franklin, Tennessee with his family. Outside of the office, Mark enjoys playing golf and hockey.
Mark Thompson is a Private Banker serving Morgan Stanley Wealth Management offices in Tennessee, Kentucky, and West Virginia.
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.
Mark began his career in financial services in 1995, and joined Morgan Stanley in 2016. Prior to joining the firm, he was a Private Banker at Merrill Lynch.
Mark is a graduate of St. Thomas University, where he received a Bachelor of Arts in Political Science. He lives in Franklin, Tennessee with his family. Outside of the office, Mark enjoys playing golf and hockey.
NMLS#: 152531
About Robert Petersen
Robert Petersen is a Private Banker serving Morgan Stanley Wealth Management offices in Tennessee.
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.
Robert began his career in financial services in 1995, and joined Morgan Stanley in 2010. Prior to joining the firm, he was a Financial Relationship Counselor at Wells Fargo Advisors. He also served in various investment related roles and as a Relationship Manager at Wachovia Securities.
Robert is a graduate of the State University of New York at Stony Brook, where he received a Bachelor of Arts in Liberal Studies. He lives in Nashville, Tennessee. Outside of the office, Robert volunteers his time as a youth baseball coach and enjoys spending time with family and friends.
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.
Robert began his career in financial services in 1995, and joined Morgan Stanley in 2010. Prior to joining the firm, he was a Financial Relationship Counselor at Wells Fargo Advisors. He also served in various investment related roles and as a Relationship Manager at Wachovia Securities.
Robert is a graduate of the State University of New York at Stony Brook, where he received a Bachelor of Arts in Liberal Studies. He lives in Nashville, Tennessee. Outside of the office, Robert volunteers his time as a youth baseball coach and enjoys spending time with family and friends.
NMLS#: 799938
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
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.
Ready to start a conversation? Contact Jeremy Bisceglia today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley 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 (“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.
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.
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.
6Alternative 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.
7The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley 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 (“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.
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.
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.
6Alternative 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.
7The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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)
