Greg Cole
Private Banker
James Monken, CEPA®, QPFC
Financial Advisor,
First Vice President,
Portfolio Management Director
Direct:
(314) 889-8119(314) 889-8119
My Mission Statement
Understand what's most important to you so that, together, we can piece together your personal financial puzzle, giving you confidence in your financial future.
My Story
With experience as a business owner and working with professionals, I understand issues and complexities in making the most of the financial life you expect. So, my process takes a coordinated, rather than a fragmented, approach to assemble your complete financial picture.
I have developed and refined a process based on what matters most to Plan, Grow, & Preserve personal and business wealth and philanthropic interests. I serve, among others, professionals and pre-liquidity business-owners, with coordinated Family Wealth Planning, Professional Investment Management and Tax-Aware Succession & Wealth Strategies.
My prior career includes strategic finance and development with Exxon Mobil, 10 years as president/owner of a business development company and adjunct faculty professor of finance and economics for McKendree University in Lebanon, IL. I graduated with a B.S. in Applied Economics from Cornell University in Ithaca, NY and later earned an MBA from Southern Illinois University-Edwardsville. Licenses include the Series 7 and Series 66, along with receiving the Portfolio Management Director designation from Morgan Stanley and earning the Certified Exit Planning Advisor (CEPA®) designation.
I have developed and refined a process based on what matters most to Plan, Grow, & Preserve personal and business wealth and philanthropic interests. I serve, among others, professionals and pre-liquidity business-owners, with coordinated Family Wealth Planning, Professional Investment Management and Tax-Aware Succession & Wealth Strategies.
My prior career includes strategic finance and development with Exxon Mobil, 10 years as president/owner of a business development company and adjunct faculty professor of finance and economics for McKendree University in Lebanon, IL. I graduated with a B.S. in Applied Economics from Cornell University in Ithaca, NY and later earned an MBA from Southern Illinois University-Edwardsville. Licenses include the Series 7 and Series 66, along with receiving the Portfolio Management Director designation from Morgan Stanley and earning the Certified Exit Planning Advisor (CEPA®) designation.
Services Include
- Wealth ManagementFootnote1
- Professional Portfolio ManagementFootnote2
- Business Succession PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Wealth PlanningFootnote5
- Retirement PlanningFootnote6
- 401(k) Rollovers
- Alternative InvestmentsFootnote7
- Philanthropic ManagementFootnote8
- Corporate Retirement PlansFootnote9
- Divorce Financial AnalysisFootnote10
- Trust AccountsFootnote11
Securities Agent: TX, CO, UT, WA, NY, OH, SC, TN, GA, IL, KS, NC, MI, MO, DE, FL, CA, IN, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 1279575
NMLS#: 1279575
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Financial GPS: Plan + Grow + Preserve
The Financial GPS Process is a coordinated approach to Modern Wealth Management that helps prepare clients for a range of outcomes, assesses financial risks as life unfolds and seeks to grow and preserve wealth for the life you expect. This approach delivers Modern Wealth Management through a Planning-Based Process and a Financial Concierge Standard of Care.
Each client and each journey is unique. Through a coordinated, rather than a fragmented process, we are mindful of “what matters most” and focus on “what we can control”. This approach takes the pieces of your financial puzzle and puts them together for a more complete picture. Many of those pieces may not be relevant today, but as life unfolds and needs evolve, those pieces eventually become relevant.
MID-LIFE FINANCIAL PREPAREDNESS CHECKLIST
This checklist is part of a standard of care that is designed to identify the components for financial success at this stage in life and to help ensure that you don’t miss anything so that you stay on track to get the financial life you expect now and in the future.
Portfolio Review
- Define and quantify each financial goals and objective
- How does your current strategy contribute to reaching each goal? Are you ON TRACK?”
- Assess the risks within the portfolio and potential impact on meeting each objective. Ensure that the portfolio is optimized to avoid impairments/underperformance over time, especially for lower levels of assets?
- What is the role of Alternative Investments in the portfolio? How could Alternatives be incorporated?
- How is your overall wealth allocated across your Safety-Core Growth-Opportunistic buckets?
- How does your current strategy contribute to reaching each goal? Are you ON TRACK?”
- Assess the risks within the portfolio and potential impact on meeting each objective. Ensure that the portfolio is optimized to avoid impairments/underperformance over time, especially for lower levels of assets?
- What is the role of Alternative Investments in the portfolio? How could Alternatives be incorporated?
- How is your overall wealth allocated across your Safety-Core Growth-Opportunistic buckets?
Financial Planning
- Define long-term financial goals
- Perform a Monte Carlo analysis of goals
- Budget and savings strategy: determine how savings and sacrifices influence long-term goals
- College spending plan: How does the client balance 529/ savings/scholarship/student plans? How does the client equalize spending if children have different college expenses?
- Is the client saving for a wedding?
- Does the client plan to keep the existing home, buy or rent a short-term domicile, and/or move now or later to a retirement location?
- Is the client planning to help adult children financially? If so, when and how much?
- Perform a Monte Carlo analysis of goals
- Budget and savings strategy: determine how savings and sacrifices influence long-term goals
- College spending plan: How does the client balance 529/ savings/scholarship/student plans? How does the client equalize spending if children have different college expenses?
- Is the client saving for a wedding?
- Does the client plan to keep the existing home, buy or rent a short-term domicile, and/or move now or later to a retirement location?
- Is the client planning to help adult children financially? If so, when and how much?
Retirement Planning
- Determine and communicate to your advisor the vision of retirement
- Calculate “On-Track” and Probability of Success toward vision and goal
- Determine how much funding is needed to reach your retirement vision and goal
- Quarterly align employer-sponsored retirement plan: refine strategy congruent to overall Financial Plan
- Does the client have additional retirement accounts?
- Calculate “On-Track” and Probability of Success toward vision and goal
- Determine how much funding is needed to reach your retirement vision and goal
- Quarterly align employer-sponsored retirement plan: refine strategy congruent to overall Financial Plan
- Does the client have additional retirement accounts?
Legacy Goals
- Define family gifting goals and philanthropic interests
- Include these current and future goals/interests in your Financial and Estate Plan
- Include these current and future goals/interests in your Financial and Estate Plan
Irrevocable Living Trust
- Protect assets from the impact of taxes
- Meet annually (or at least bi-annually) with your Estate Attorney, CPA and Financial Advisor team to review/update your estate plan, goals and strategy
- Meet annually (or at least bi-annually) with your Estate Attorney, CPA and Financial Advisor team to review/update your estate plan, goals and strategy
Education Goals
- Establish Maximum Out-Of-Pocket Funding for each child/grandchild
- Engage grandparents/extended family
- Build a funding bucket to cover your established Pout-Of-Pocket College Funding Goal
- Systematically auto-fund your college savings
- Engage grandparents/extended family
- Build a funding bucket to cover your established Pout-Of-Pocket College Funding Goal
- Systematically auto-fund your college savings
Balance-Sheet Management
- Balance-sheet review: Optimize borrowing/asset-based lending?
- Review loans and mortgages with consideration of a long-term spending plan
- Banking: Use a line-of-credit strategy?
- Tax strategy review: personal and business
- Review loans and mortgages with consideration of a long-term spending plan
- Banking: Use a line-of-credit strategy?
- Tax strategy review: personal and business
Insurance Review
- Set life insurance strategy: Include life insurance/ income replacement?
- Review home insurance for replacement cost coverage, especially in areas with rapidly escalating replacement costs
- Review health, disability and umbrella insurance policies for coverage amounts and beneficiaries
- Review all beneficiaries for all plans (including defined contribution plans)
- Perform expanded insurance review: traveler’s insurance, pet insurance, inventory of vehicles and hard assets
- Review home insurance for replacement cost coverage, especially in areas with rapidly escalating replacement costs
- Review health, disability and umbrella insurance policies for coverage amounts and beneficiaries
- Review all beneficiaries for all plans (including defined contribution plans)
- Perform expanded insurance review: traveler’s insurance, pet insurance, inventory of vehicles and hard assets
Health Savings Account (HSA) (where applicable)
- Set strategy for accumulating assets in HSA for later use
- Establish policy of saving all health-related expenses for later reimbursement
- Establish policy of saving all health-related expenses for later reimbursement
Medical Screening and Preventative Healthcare Plan
- Consider a comprehensive diagnostic service, such as an Executive Health Assessment; recent research shows there are simple lifestyle changes that people can make to significantly improve their quality of life and reduce their risk of early mortality
- Exercise
- Practice Mindfulness and other stress reducing activities
- Exercise
- Practice Mindfulness and other stress reducing activities
Estate Planning
- Discuss advance medical directives and durable power of attorney for medical and financial decisions for adults and children; consider sharing with godparents and other adults of influence
- Update all wills, executors and durable powers of attorney
- Consider adding an ethical will to enrich the understanding of what this money means to the extended family
- Establish medical power of attorney for adult children
- Establish inheritance/intergenerational gifting strategy (discuss with grandparents): include Roth IRAs with grandchildren as beneficiaries
- Update all wills, executors and durable powers of attorney
- Consider adding an ethical will to enrich the understanding of what this money means to the extended family
- Establish medical power of attorney for adult children
- Establish inheritance/intergenerational gifting strategy (discuss with grandparents): include Roth IRAs with grandchildren as beneficiaries
Safety and Documentation
- Set strategy for identity theft protection
- Collect next of kin/family contact permissions
- Collect a record of safes, storage units and safe deposit boxes as well as accessibility for each
- Engage the Digital Vault or craft a Personal Family Records Book to Collect records of key documents, computer files and passwords, photos of personal property, inventory of vehicles, and confirmation of financing and ownership
- Collect next of kin/family contact permissions
- Collect a record of safes, storage units and safe deposit boxes as well as accessibility for each
- Engage the Digital Vault or craft a Personal Family Records Book to Collect records of key documents, computer files and passwords, photos of personal property, inventory of vehicles, and confirmation of financing and ownership
Starting and Exiting a Business
Many of my clients have complex business arrangements, from executive-level employment situations to various levels of investment in a multitude of business ventures—from startups to established enterprises. As a Financial Advisor, I play a critical role in helping them navigate the complexities of business ownership, investment and associated activities such as selling, divesting or planning for succession.
Typically, you’re likely to encounter three primary scenarios:
• Starting a business
• Funding a business
• Exiting a business
Starting a business
I give sound advice and counsel on starting a new business venture and understanding the financial implications that such an endeavor may have on my clients overall financial profiles.
Funding a business
Clients with investable assets beyond traditional vehicles seek my guidance and counsel on funding a business, whether it’s their own or a third-party venture.
Exiting a business
I help my clients navigate the numerous monetary, tax and financial implications involved in selling or exiting a business.
Typically, you’re likely to encounter three primary scenarios:
• Starting a business
• Funding a business
• Exiting a business
Starting a business
I give sound advice and counsel on starting a new business venture and understanding the financial implications that such an endeavor may have on my clients overall financial profiles.
Funding a business
Clients with investable assets beyond traditional vehicles seek my guidance and counsel on funding a business, whether it’s their own or a third-party venture.
Exiting a business
I help my clients navigate the numerous monetary, tax and financial implications involved in selling or exiting a business.
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Location
7733 Forsyth Blvd
Ste 2100
Clayton, MO 63105
US
Direct:
(314) 889-8119(314) 889-8119
Fax:
(314) 854-5606(314) 854-5606
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
About Greg Cole
Greg Cole is a Private Banker serving Morgan Stanley Wealth Management offices in Missouri.
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.
Greg began his career in financial services in 1999, and joined Morgan Stanley in 2011. Prior to joining the firm, he was a Regional Banking Consultant at Wells Fargo Advisors. Greg has also served as an Area Manager with JP Morgan Chase and was a Senior Mortgage Consultant in the Smith Barney division at CitiMortgage.
Greg is a graduate of Rockhurst University, where he received a Bachelor of Arts in Psychology. He and his family currently reside in O’Fallon, Missouri. Outside of the office, Greg enjoys spending time with his 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.
Greg began his career in financial services in 1999, and joined Morgan Stanley in 2011. Prior to joining the firm, he was a Regional Banking Consultant at Wells Fargo Advisors. Greg has also served as an Area Manager with JP Morgan Chase and was a Senior Mortgage Consultant in the Smith Barney division at CitiMortgage.
Greg is a graduate of Rockhurst University, where he received a Bachelor of Arts in Psychology. He and his family currently reside in O’Fallon, Missouri. Outside of the office, Greg enjoys spending time with his family and friends.
NMLS#: 801927
Wealth Management
From My Desk
6 Financially Smart Ways to Start 2025
Wealth Management
Global Investment Office
Portfolio Insights
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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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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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
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 James Monken today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
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.
5Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6When 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.
7Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
9When 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.
10Morgan 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.
11Morgan 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.
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
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
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.
5Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6When 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.
7Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
9When 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.
10Morgan 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.
11Morgan 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.
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)