Jessica Locatelli, QPFC
Senior Vice President,
Financial Advisor,
Financial Planning Specialist
Direct:
(831) 440-5281(831) 440-5281
Toll-Free:
(800) 488-3436(800) 488-3436
My Mission Statement
Simplifying your financial life by providing exceptional client service coupled with timely and personalized financial guidance.
My Story and Services
I launched my financial career in 2008 after graduating from University of California, Santa Cruz. For over a decade, my practice has developed into a variety of financial services including; retirement planning, 401(k) rollovers, trust accounts, estate planning, annuities, life insurance strategies and more. Understanding the importance of financial planning and commitment necessary to meet client expectations has kept the full scope of my practice focused on delivering exceptional client service and personalized financial guidance.
Starting with a collaborative focus on clients’ financial goals, I create an investment strategy designed to simplify their financial lives and provide stability throughout life's many phases. While some clients choose to work with me because they do not wish to commit to daily monitoring of financial markets; there are others that want to simplify their financial lives and focus on their lifestyle. To address these and similar perspectives I work with each client to identify their financial goals and create a personalized financial plan that highlights a pathway to the lifestyle they desire.
Given the opportunity I will diligently work to earn your trust and confidence- not only with regards to investment selection, monitoring, and performance, but also through my exceptional service and consistent communication. I look forward to the opportunity to work together and build a relationship focused on delivering the financial guidance necessary to create the pathway to your financial goals.
Starting with a collaborative focus on clients’ financial goals, I create an investment strategy designed to simplify their financial lives and provide stability throughout life's many phases. While some clients choose to work with me because they do not wish to commit to daily monitoring of financial markets; there are others that want to simplify their financial lives and focus on their lifestyle. To address these and similar perspectives I work with each client to identify their financial goals and create a personalized financial plan that highlights a pathway to the lifestyle they desire.
Given the opportunity I will diligently work to earn your trust and confidence- not only with regards to investment selection, monitoring, and performance, but also through my exceptional service and consistent communication. I look forward to the opportunity to work together and build a relationship focused on delivering the financial guidance necessary to create the pathway to your financial goals.
Services Include
Securities Agent: HI, NC, LA, KS, AZ, UT, NV, IL, NM, WA, NJ, CO, WI, CT, AR, TX, PA, MT, FL, VA, DE, TN, OK, MN, MI, GA, SD, OR, OH, NY, MA, IN, ID, CA, WV, VT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1279644
CA Insurance License #: 0H77343
NMLS#: 1279644
CA Insurance License #: 0H77343
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
About Me
As a long standing resident of Santa Cruz County and San Francisco Bay Area, I recognize and personally experience many of the unique issues my clients face.
Since 2008, I built a successful practice in financial services. With diligent studies and continued education I maintain several financial licenses including; Series 7, 66, 31, CA Insurance License and NMLS designation. From these accomplishments and experiences I provide my clients with knowledge in:
• Retirement Planning
• Portfolio Construction
• Insurance and Annuities
• Long Term Care
• Fixed Income and Municipal Bonds
• Alternative and Structured Investments
•Cash Management and lending solutions
• Liability Management
• Family, Multi-Generational Wealth Management
I am a proud member of the San Lorenzo Valley Rotary Club focusing on "Service Above Self" through community involvement and volunteer projects.
In 2017 and 2018, I worked closely with Friends of Santa Cruz Library and in particular the Felton Library Friends to promote the upcoming Felton Library and Nature Discovery as a member of the Capital Campaign Leadership Team.
As a Texas native I love riding my American Paint Horse, Diamond. We actively participate in the local horse community and compete in show jumping. I also enjoy yoga, running, strength training, and travel.
When I'm not in the office or in the saddle, I am spending time with my growing family. My husband is a third generation local volunteer firefighter and a paid NASA Ames firefighter. Together, we raise our young family on our ranch in the Santa Cruz Mountains.
Since 2008, I built a successful practice in financial services. With diligent studies and continued education I maintain several financial licenses including; Series 7, 66, 31, CA Insurance License and NMLS designation. From these accomplishments and experiences I provide my clients with knowledge in:
• Retirement Planning
• Portfolio Construction
• Insurance and Annuities
• Long Term Care
• Fixed Income and Municipal Bonds
• Alternative and Structured Investments
•Cash Management and lending solutions
• Liability Management
• Family, Multi-Generational Wealth Management
I am a proud member of the San Lorenzo Valley Rotary Club focusing on "Service Above Self" through community involvement and volunteer projects.
In 2017 and 2018, I worked closely with Friends of Santa Cruz Library and in particular the Felton Library Friends to promote the upcoming Felton Library and Nature Discovery as a member of the Capital Campaign Leadership Team.
As a Texas native I love riding my American Paint Horse, Diamond. We actively participate in the local horse community and compete in show jumping. I also enjoy yoga, running, strength training, and travel.
When I'm not in the office or in the saddle, I am spending time with my growing family. My husband is a third generation local volunteer firefighter and a paid NASA Ames firefighter. Together, we raise our young family on our ranch in the Santa Cruz Mountains.
Working With You
A Disciplined and Customized Investment Process
From day one - I remain engaged with you through regular phone calls, email, as well as face to face interactions to ensure we can successfully navigate both challenging personal moments as well as market volatility. While markets are in consistent flux, the full scope of my practice is always focused on Building Trust & Confidence, delivering Exceptional Client Service and Personalized Financial Guidance.
Building Trust & Confidence:
I devote myself to spending quality time learning about you. We discuss short-term and long-term financial goals, prioritize needs, and recognize concerns to create a road map you will be comfortable with for years to come.
Personalized Financial Guidance:
I develop a tailored investment strategy that balances your objectives, financial concerns and needs with timely, calculated investment guidance. Once completed, we implement our financial plan starting you on the pathway to achieve your financial goals. We then regularly evaluate your portfolio to ensure your plan stays on track.
Exceptional Client Service:
As I monitor investments daily, special attention is given during times of personal or market volatility. In these times my trusted relationship with you allows us to thoughtfully communicate with confidence via scheduled calls, email updates, and regular meetings to provide the personalized financial guidance you require.
From day one - I remain engaged with you through regular phone calls, email, as well as face to face interactions to ensure we can successfully navigate both challenging personal moments as well as market volatility. While markets are in consistent flux, the full scope of my practice is always focused on Building Trust & Confidence, delivering Exceptional Client Service and Personalized Financial Guidance.
Building Trust & Confidence:
I devote myself to spending quality time learning about you. We discuss short-term and long-term financial goals, prioritize needs, and recognize concerns to create a road map you will be comfortable with for years to come.
Personalized Financial Guidance:
I develop a tailored investment strategy that balances your objectives, financial concerns and needs with timely, calculated investment guidance. Once completed, we implement our financial plan starting you on the pathway to achieve your financial goals. We then regularly evaluate your portfolio to ensure your plan stays on track.
Exceptional Client Service:
As I monitor investments daily, special attention is given during times of personal or market volatility. In these times my trusted relationship with you allows us to thoughtfully communicate with confidence via scheduled calls, email updates, and regular meetings to provide the personalized financial guidance you require.
Our Commitment to Diversity & Inclusion
We are all bearing witness to a profoundly challenging and unsettling time in the history of our country – and the world.
Our nation is in mourning as we’ve witnessed the recent and tragic events that have led to the loss of George Floyd, Ahmaud Arbery, Tony McDade, Breonna Taylor, and the countless other Black people who have died at the hands of racism over the years. The injustices against the Black community have placed a spotlight on the injustices still prevalent today. Racism and discrimination have no place in our society and an injustice against one of us, is an injustice against us all.
No one should ever compromise the dignity of another human being.
One of our core values at Morgan Stanley is to do the right thing and as a firm we will continue to embody this value by treating everyone with respect. We will continue to take action against racial injustice and social inequality. We have a number of programs and initiatives that support our diversity and inclusion agenda, but we as a firm recognize that there is more work to be done. We are committed to doing our part to make a difference and help in the healing of our community.
Our firm recently made an announcement that highlighted some significant and impactful actions. Among them are the establishment of The Diversity and Inclusion Institute, which will be chaired by our Chairman & CEO. The firm has also committed $5 million dollars to support the mission of the NAACP Legal Defense Fund, and has established a matching program for employee contributions to the Fund.
We know that right now it is important to immerse ourselves in learning more about the historical context of what led us to where we are today and to engage in healthy and respectful dialogue with those who do not look like us.
We stand with and support the Black community – today and every day.
Please take care of one another.
NOTICE: Morgan Stanley is not acting as a municipal advisor and the opinions or views contained herein are not intended to be, and do not constitute, advice within the meaning of Section 975 of the Dodd-Frank Wall Street Reform and Consumer Protection Act. If you have received this communication in error, please destroy all electronic and paper copies and notify the sender immediately. Mistransmission is not intended to waive confidentiality or privilege. Morgan Stanley reserves the right, to the extent permitted under applicable law, to monitor electronic communications. This message is subject to terms available at the following link:https://www.morganstanley.com/disclaimers. If you cannot access these links, please notify us by reply message and we will send the contents to you. By communicating with Morgan Stanley you acknowledge that you have read, understand and consent, (where applicable), to the foregoing and the Morgan Stanley General Disclaimers.
Please see our Privacy Pledge for details about how Morgan Stanley handles personal information.
If you would like to update your email preferences or unsubscribe from marketing emails from Morgan Stanley Wealth Management, you may do so here. Please note, you will still receive service emails from Morgan Stanley Wealth Management.
Not all products and services may be available to persons living outside of the United States.
Morgan Stanley Wealth Management
2000 Westchester Avenue, Purchase, NY 10577-2530 USA
© 2020 Morgan Stanley Smith Barney LLC. Member SIPC.
CRC 3115831 06/2020
Our nation is in mourning as we’ve witnessed the recent and tragic events that have led to the loss of George Floyd, Ahmaud Arbery, Tony McDade, Breonna Taylor, and the countless other Black people who have died at the hands of racism over the years. The injustices against the Black community have placed a spotlight on the injustices still prevalent today. Racism and discrimination have no place in our society and an injustice against one of us, is an injustice against us all.
No one should ever compromise the dignity of another human being.
One of our core values at Morgan Stanley is to do the right thing and as a firm we will continue to embody this value by treating everyone with respect. We will continue to take action against racial injustice and social inequality. We have a number of programs and initiatives that support our diversity and inclusion agenda, but we as a firm recognize that there is more work to be done. We are committed to doing our part to make a difference and help in the healing of our community.
Our firm recently made an announcement that highlighted some significant and impactful actions. Among them are the establishment of The Diversity and Inclusion Institute, which will be chaired by our Chairman & CEO. The firm has also committed $5 million dollars to support the mission of the NAACP Legal Defense Fund, and has established a matching program for employee contributions to the Fund.
We know that right now it is important to immerse ourselves in learning more about the historical context of what led us to where we are today and to engage in healthy and respectful dialogue with those who do not look like us.
We stand with and support the Black community – today and every day.
Please take care of one another.
NOTICE: Morgan Stanley is not acting as a municipal advisor and the opinions or views contained herein are not intended to be, and do not constitute, advice within the meaning of Section 975 of the Dodd-Frank Wall Street Reform and Consumer Protection Act. If you have received this communication in error, please destroy all electronic and paper copies and notify the sender immediately. Mistransmission is not intended to waive confidentiality or privilege. Morgan Stanley reserves the right, to the extent permitted under applicable law, to monitor electronic communications. This message is subject to terms available at the following link:https://www.morganstanley.com/disclaimers. If you cannot access these links, please notify us by reply message and we will send the contents to you. By communicating with Morgan Stanley you acknowledge that you have read, understand and consent, (where applicable), to the foregoing and the Morgan Stanley General Disclaimers.
Please see our Privacy Pledge for details about how Morgan Stanley handles personal information.
If you would like to update your email preferences or unsubscribe from marketing emails from Morgan Stanley Wealth Management, you may do so here. Please note, you will still receive service emails from Morgan Stanley Wealth Management.
Not all products and services may be available to persons living outside of the United States.
Morgan Stanley Wealth Management
2000 Westchester Avenue, Purchase, NY 10577-2530 USA
© 2020 Morgan Stanley Smith Barney LLC. Member SIPC.
CRC 3115831 06/2020
Client Service Team
Angie McClellan - Wealth Management Associate
Monica Carney - Senior Registered Associate, Financial Planning Associate
Jacob Willet - Registered Associate
Location
6004 La Madrona Dr
Santa Cruz, CA 95060
US
Direct:
(831) 440-5281(831) 440-5281
Toll-Free:
(800) 488-3436(800) 488-3436
Fax:
(831) 440-5201(831) 440-5201
Wealth Management
From My Desk
You Work Hard, Make Your 401(k) Plan Work Harder
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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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 Jessica Locatelli today.
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.
2When 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.
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.
4Morgan 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.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
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.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
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.
4Morgan 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.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
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.
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
CRC 4665150 (8/2025)
