William R. White
Senior Vice President, Financial Advisor, Senior Portfolio Manager
Phone:
(631) 851-5305(631) 851-5305
Jesse Whitsit, CFP®
Financial Advisor,
CERTIFIED FINANCIAL PLANNER®,
Family Wealth Advisor,
Portfolio Manager,
Financial Planning Specialist
Direct:
(631) 851-5346(631) 851-5346
Direct:
(631) 987-5579(631) 987-5579
My Mission Statement
We empower individuals & families to achieve their financial goals by offering personalized financial planning services. With our comprehensive approach, we create custom tax and estate strategies while managing risk in investment portfolios, providing the guidance and support needed to build a secure financial future.
Our Team's Story
Being a CERTIFIED FINANCIAL PLANNER® Jesse's held to one of the highest ethical standards. Our team's goals are to help provide our clients (i) confidence about re-thinking retirement, (ii) their dream vacation/home, or (iii) transitioning wealth to the next generation or charity of their choice.
We get to understand your (i) personal, lifestyle, financial goals and (ii) concerns in order to create your (iii) personal wealth strategy. Utilizing Portfolio Management Designation, we provide investment advise to high networth individuals as well as successful professionals to select the investment products to maximize returns on a tax efficient basis.
With 54 years of investment experience, we’ve grown our practice with a small niche of clientele with our personalized portfolio construction process. By utilizing all of Morgan Stanley Wealth Managements and various external resources, we have the ability to address any tax, life insurance, estate/trust, liability concerns and provide personalized solutions.
Long Island natives, our team has spent the last 30 years in the community and devoting our free time to better it. Residing in Saint James with his wife, Caitlyn both are active in the community. Volunteering his free time by working with Wings for Widows to assist Widows with understanding their top priorities after spouse passes and Home For Our Troops, to help US Veterans with home building/construction through manual and financial assistance. He spends his free time assisting the less fortunate in the homeless community through his non-for-profit organization and feeding less fortunate families across the world by organizing meal packaging events with another non-for-profit organization, "Rise Against Hunger". In his free-time, Jesse enjoys powerlifting, golfing, 1/2 Marathons, Spartan Races, and hosting financial literacy seminars through Suffolk County Community College and SUNY Binghamton.
Disclaimers:
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee.
We get to understand your (i) personal, lifestyle, financial goals and (ii) concerns in order to create your (iii) personal wealth strategy. Utilizing Portfolio Management Designation, we provide investment advise to high networth individuals as well as successful professionals to select the investment products to maximize returns on a tax efficient basis.
With 54 years of investment experience, we’ve grown our practice with a small niche of clientele with our personalized portfolio construction process. By utilizing all of Morgan Stanley Wealth Managements and various external resources, we have the ability to address any tax, life insurance, estate/trust, liability concerns and provide personalized solutions.
Long Island natives, our team has spent the last 30 years in the community and devoting our free time to better it. Residing in Saint James with his wife, Caitlyn both are active in the community. Volunteering his free time by working with Wings for Widows to assist Widows with understanding their top priorities after spouse passes and Home For Our Troops, to help US Veterans with home building/construction through manual and financial assistance. He spends his free time assisting the less fortunate in the homeless community through his non-for-profit organization and feeding less fortunate families across the world by organizing meal packaging events with another non-for-profit organization, "Rise Against Hunger". In his free-time, Jesse enjoys powerlifting, golfing, 1/2 Marathons, Spartan Races, and hosting financial literacy seminars through Suffolk County Community College and SUNY Binghamton.
Disclaimers:
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee.
Services Include
- Professional Portfolio ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Wealth PlanningFootnote4
- Estate Planning StrategiesFootnote5
- Trust ServicesFootnote6
- Planning for Education FundingFootnote7
- Long Term Care InsuranceFootnote8
- 401(k) Rollovers
- Alternative InvestmentsFootnote9
- Cash Management and Lending ProductsFootnote10
- Business PlanningFootnote11
- Planning for Individuals with Special Needs and their Families
- Trust AccountsFootnote12
- Life InsuranceFootnote13
Securities Agent: PA, MN, GA, TN, AK, VT, RI, MA, IA, AZ, NH, MD, KY, HI, WV, OR, MO, NM, TX, FL, CT, AR, MS, AL, NC, OH, IN, DE, VA, NY, ME, DC, CA, WA, MI, LA, WI, SC, OK, NJ, IL, CO, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 1913305
NMLS#: 1913305
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Customized Wealth Management Approach
1 & 2) We Get to Know You
We learn your current lifestyle, financial situation, long-term goals, and family values you’ve set for yourself. We learn what concerns you may have that might affect your lifestyle over time.
3 & 4) Tax, Estate, Risk Strategy
Tax management isn't just a year-end task, but a year-long process. Carry forward tax credit is critical to offset an unexpected expense while providing the ability for higher income generating vehicles. No matter where you are in your life, we want to help limit the possible tax impact. Active tax harvesting is key to take advantage of volatile market conditions.
View Our Tax Savings5) Utilizing Our Portfolio Management Designations
We create customized portfolio allocations for your specific financial situation to match the goals you’ve discussed with us, present our different solutions and you pick which one you feel comfortable doing.
Accredited Experience6 & 7) Implement & Review
After selecting the customized roadmap of investments and solutions, we do the heavy lifting for you. As the needs, wants and wishes in your life change we’ll have ongoing assessments to make sure you’re still on track to reach your goals.
View Your Progress, Wherever, WheneverFamily Office Resources
Managing an investment portfolio is only a small part of your overall financial picture. We work with you to adapt to the different changes in your life by utilizing all of our firms services.
The term "Family Office Resources" is being used as a term of art and not to imply that Morgan Stanley and/or it's employees are acting as a family office pursuant to Investment Advisers Act of 1940.
The term "Family Office Resources" is being used as a term of art and not to imply that Morgan Stanley and/or it's employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Shield, Maintain, Grow
Tax laws are complex, range across state/national boarders, and subject to many changes over time. Within the next 25 years, we'll see the largest wealth transfer in history of an estimated $68 trillion. We utilize Morgan Stanley's Tax planning and preparation services to help keep the wealth you've worked hard to grow.
You've worked hard to grow your wealth and we want to help protect it. Our Family Office Resources specializes in ultra-high net-worth families and leveraging all aspects of tax, estate, LLC/LLP and other business practices to help enjoy your lifestyle goals.
Estate PlanningYou've worked hard to grow your wealth and we want to help protect it. Our Family Office Resources specializes in ultra-high net-worth families and leveraging all aspects of tax, estate, LLC/LLP and other business practices to help enjoy your lifestyle goals.
Morgan Stanley Total Tax 365
Click here to view the Q4 Tax Savings for select UMAs in 2022 and 2023Risk Management & Investment Selection
Who likes paying taxes? No one. Being Portfolio Managers with a personalized plan in place, we can effectively manage your finances, minimize taxes, and make smart investment decisions.
Just as your lifestyle is ever changing, the investment portfolio should evolve with it. Risk management is key to minimizing market volatility in the unforeseen event of a large withdrawal. Utilizing our award winning risk analysis platform, Aladdin, we help to ease your overall risk to capture opportunistic timing.
Utilizing Experience with Firm Intellectual Capital
- Evaluating our Global Investment Committee’s Approved/Focus Lists, AAA 2.0, Risk, and Value Scoring measurements to align your ideal portfolio and goals
- With over +50years of experience, we screen individual investment product to customize your portfolio in order to achieve your goals
Awards, Certifications & In The Press
At The Harborview Group, we put our client's needs above all else. We strive for excellence and continue to lead by example - setting the standard for client dedication in the financial services industry.
Jesse Whitsit, CFP®
Financial Advisor | Portfolio Manager | CERTIFIED FINANCIAL PLANNER®
View My Full Linkedin Profile
CERTIFIED FINANCIAL PLANNER® (CFP®)
Jesse maintains his CERTIFIED FINANCIAL PLANNER® certification. CERTIFIED FINANCIAL PLANNER® is a formal license that recognizes knowledge and experience in the areas of financial planning, taxes, insurance, estate planning strategies, and retirement. CFP® professionals are held to some of the highest ethical standards in the industry.
View Ranking
Portfolio Manager
Portfolio Management Research
Issued Jan 2023
Jesse holds the Portfolio Manager designation. He works with his clients to help them make informed investment decisions catered to their individual portfolio, aiming to meet specific financial goals while managing risk.
Issued Jan 2023
Jesse holds the Portfolio Manager designation. He works with his clients to help them make informed investment decisions catered to their individual portfolio, aiming to meet specific financial goals while managing risk.
Financial Planning Specialist
College for Financial Planning
Issued Jan 2020
Issued Jan 2020
AWARDS
____________________
IN THE PRESS
____________________
Financial Planning Newsletter
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Location
888 Veterans Memorial Hwy
Ste 300
Hauppauge, NY 11788
US
Direct:
(631) 851-5346(631) 851-5346
611 E Main Street
Riverhead, NY 11901
US
Direct:
(631) 987-5579(631) 987-5579
Meet My Team
Preston Schoenfeld, CFP®, CIMA®
Executive Director, Financial Advisor, Portfolio Management Director
Phone:
(631) 548-4017(631) 548-4017
Daveta Winski
Client Service Associate, Portfolio Associate
Phone:
(631) 851-5318(631) 851-5318
Cindy E. Hubbard
Client Service Associate, Wealth Management Analyst
Phone:
(631) 548-4004(631) 548-4004
About Preston Schoenfeld
Preston began his career at Morgan Stanley in 2002 as a Financial Advisor and Consulting Group Analyst. He has also held positions as a Senior Analyst within Morgan Stanley’s Institutional Consulting Group and as a Senior Investor Service Associate with two investment management firms.
Preston is a CERTIFIED FINANCIAL PLANNER™ (CFP®), a designation that is considered the recognized standard of excellence for competent and ethical personal financial planning. He has also earned the Certified Investment Management Analyst® (CIMA®) designation from the Wharton School of Business at the University of Pennsylvania.
Preston attended Pace University in New York, where he earned his BBA in Economics. He also earned his certificate of Financial Planning from New York University. Preston is a member of the Investment Management Consultants Association (IMCA), which provides financial advisors with advanced resources and education. On a personal note, Preston strives to better his community through his involvement with the Riverhead Rotary Club, as Treasurer of the Riverhead Rotary Charities and his position as Chair of the Temple Isaiah Caring Committee. Preston also enjoys competitive chess and is a member of the Long Island Chess Club.
Preston is a CERTIFIED FINANCIAL PLANNER™ (CFP®), a designation that is considered the recognized standard of excellence for competent and ethical personal financial planning. He has also earned the Certified Investment Management Analyst® (CIMA®) designation from the Wharton School of Business at the University of Pennsylvania.
Preston attended Pace University in New York, where he earned his BBA in Economics. He also earned his certificate of Financial Planning from New York University. Preston is a member of the Investment Management Consultants Association (IMCA), which provides financial advisors with advanced resources and education. On a personal note, Preston strives to better his community through his involvement with the Riverhead Rotary Club, as Treasurer of the Riverhead Rotary Charities and his position as Chair of the Temple Isaiah Caring Committee. Preston also enjoys competitive chess and is a member of the Long Island Chess Club.
Securities Agent: DE, ME, MA, WI, TX, TN, NH, AL, NC, AZ, RI, PA, NY, MI, GA, CO, CA, NJ, MD, OH, MT, CT, WV, WA, OR, FL, VA, SC, IL; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
About Cindy E. Hubbard
In 2005, Cindy obtained her Series 7, 63, and 66 professional licenses. In her current role, Cindy facilitates various administrative and operational functions for the group, all while maintaining a strong commitment to providing the highest level of client service.
Cindy earned her B.S. in Business Management from Liberty University. She is a member of the Association Professional Investment Consultants (APIC) and serves as a licensed notary public. She currently resides in Riverhead with her husband John, three children and their new puppy. Cindy is an active member of her community. In her free time, you can find Cindy on a ball field, attending a school event or boating on the Great Peconic Bay with her family.
Cindy earned her B.S. in Business Management from Liberty University. She is a member of the Association Professional Investment Consultants (APIC) and serves as a licensed notary public. She currently resides in Riverhead with her husband John, three children and their new puppy. Cindy is an active member of her community. In her free time, you can find Cindy on a ball field, attending a school event or boating on the Great Peconic Bay with her family.
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
Kathleen Kowlessar
Associate Private Banker
Mark Jansen
Family Office Resources Generalist
About Kathleen Kowlessar
Kathleen Kowlessar is an Associate Private Banker serving Morgan Stanley Wealth Management offices in New York.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kathleen began her career in financial services in 2013, and joined Morgan Stanley in 2022. Prior to joining the firm, she was a Store Manager at the TD Bank.
Kathleen is a graduate of the Zicklin School of Business, Baruch College, where she received a Master of Science in Finance and a Bachelor of Business Administration in Business Management. She lives in Garden City, New York with her family. Outside of the office, Kathleen enjoys spending time with her family, cooking and trying new foods.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kathleen began her career in financial services in 2013, and joined Morgan Stanley in 2022. Prior to joining the firm, she was a Store Manager at the TD Bank.
Kathleen is a graduate of the Zicklin School of Business, Baruch College, where she received a Master of Science in Finance and a Bachelor of Business Administration in Business Management. She lives in Garden City, New York with her family. Outside of the office, Kathleen enjoys spending time with her family, cooking and trying new foods.
NMLS#: 1037493
About Mark Jansen
Mark Jansen is a Family Office Resources Generalist for Morgan Stanley’s Family Office Resources, covering the Southeast Region. In this capacity, Mark provides specialized expertise to Financial Advisors and their UHNW clients across a broad range of family wealth management issues including; family governance and wealth education, strategic estate and financial planning, philanthropy management and lifestyle advisory. Mark has over 30 years of experience advising wealthy families, business owners, and their children.
Most recently, Mark worked with New York Life in their Advanced Planning Group working with agents and their UHNW clients advising them on estate and legacy planning, business buy sell planning, and succession planning. Prior to New York Life, Mark held similar Advanced Planning Consulting roles in several National financial organizations. He originally started his career in the financial services industry in the tax department of the public accounting firm Grant Thornton. He is known for taking complex ideas and making them easy to understand. Frequently speaking to groups and individuals on estate and business planning, he brings a conversational style that helps to clarify the complex nature of these topics.
Mark received a Bachelor of Science degree from St. John’s University in Collegeville MN, received his JD degree Cum Laude from the University of Minnesota and his CPA license while working at Grant Thornton. He holds a Series 7, 24 and 63 securities licenses. He currently lives in Richmond Virginia with his wife and occasionally one of their 6 children.
Most recently, Mark worked with New York Life in their Advanced Planning Group working with agents and their UHNW clients advising them on estate and legacy planning, business buy sell planning, and succession planning. Prior to New York Life, Mark held similar Advanced Planning Consulting roles in several National financial organizations. He originally started his career in the financial services industry in the tax department of the public accounting firm Grant Thornton. He is known for taking complex ideas and making them easy to understand. Frequently speaking to groups and individuals on estate and business planning, he brings a conversational style that helps to clarify the complex nature of these topics.
Mark received a Bachelor of Science degree from St. John’s University in Collegeville MN, received his JD degree Cum Laude from the University of Minnesota and his CPA license while working at Grant Thornton. He holds a Series 7, 24 and 63 securities licenses. He currently lives in Richmond Virginia with his wife and occasionally one of their 6 children.
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
Are You Prepared for Tax Day?
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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
Article Image
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
Ready to start a conversation? Contact Jesse Whitsit 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’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.
2Morgan 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.
3When 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.
4Morgan 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7When 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Alternative 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.
10Morgan 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
11Morgan 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.
12Morgan 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.
13Insurance products 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 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’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.
2Morgan 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.
3When 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.
4Morgan 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7When 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Alternative 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.
10Morgan 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
11Morgan 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.
12Morgan 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.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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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
CRC 6491812 (04/2024)
