Joseph Silva, CIMA®
Financial Advisor
Direct:
(360) 650-1794(360) 650-1794
My Mission Statement
I am dedicated to helping you achieve financial independence with my customized planning process, responsive service, and tailored investment solutions.
My Services
My name is Joseph Silva and I am a Financial Advisor at Morgan Stanley focused on serving the needs of my clients locally in Whatcom, Skagit, and San Juan Counties, and throughout the United States,
It is through my commitment to my clients and my well thought out process, that I strive to provide each customer with the sense of confidence that comes with knowing that they have a professional in their corner, actively supporting them through life’s big decisions with their best interests always in mind. I am dedicated to keeping ethics and trust at the forefront of my practice, and am committed to being a reliable financial resource to all of my clients.
I help my clients plan for their futures through a collaborative process in which we clearly define their goals and create customized, actionable plans to help them achieve these goals.
The focus of my practice is centered on my approach to goals-based wealth management. I look beyond investments and take into account my clients entire financial picture, and in doing so, consider how to help be more tax efficient, manage everyday finances, and address complex investment needs.
By leveraging my intellectual capital and the sophisticated capabilities of Morgan Stanley, I create personalized strategies to help clients achieve their financial goals.
Clear, open lines of communication are vital in every relationship, and I am committed to being both straightforward in my communication, and accessible to my clients.
I am dedicated to continuing professional development to help ensure that I am always up to date with the resources and products available, and always searching for better ways to create a more impactful client experience.
I chose Morgan Stanley because of what it is able to provide both me and my clients, including but not limited to:
Full spectrum of investment choices on premier trading and execution platform
Capabilities and infrastructure to deliver a high standard of care and a cutting-edge client experience
Intellectual capital and support of a team of colleagues including some of the most respected investment professionals in the industry
Ongoing professional learning and educational opportunities
Strong platforms and technology to support my clients including our goals based planning system, portfolio risk platform, identity theft protection, digital vault, Morgan Stanley Online, Morgan Stanley App, total wealth view, and cash management solutions, amongst others.
It is through my commitment to my clients and my well thought out process, that I strive to provide each customer with the sense of confidence that comes with knowing that they have a professional in their corner, actively supporting them through life’s big decisions with their best interests always in mind. I am dedicated to keeping ethics and trust at the forefront of my practice, and am committed to being a reliable financial resource to all of my clients.
I help my clients plan for their futures through a collaborative process in which we clearly define their goals and create customized, actionable plans to help them achieve these goals.
The focus of my practice is centered on my approach to goals-based wealth management. I look beyond investments and take into account my clients entire financial picture, and in doing so, consider how to help be more tax efficient, manage everyday finances, and address complex investment needs.
By leveraging my intellectual capital and the sophisticated capabilities of Morgan Stanley, I create personalized strategies to help clients achieve their financial goals.
Clear, open lines of communication are vital in every relationship, and I am committed to being both straightforward in my communication, and accessible to my clients.
I am dedicated to continuing professional development to help ensure that I am always up to date with the resources and products available, and always searching for better ways to create a more impactful client experience.
I chose Morgan Stanley because of what it is able to provide both me and my clients, including but not limited to:
Full spectrum of investment choices on premier trading and execution platform
Capabilities and infrastructure to deliver a high standard of care and a cutting-edge client experience
Intellectual capital and support of a team of colleagues including some of the most respected investment professionals in the industry
Ongoing professional learning and educational opportunities
Strong platforms and technology to support my clients including our goals based planning system, portfolio risk platform, identity theft protection, digital vault, Morgan Stanley Online, Morgan Stanley App, total wealth view, and cash management solutions, amongst others.
Services Include
- Wealth ManagementFootnote1
- Retirement PlanningFootnote2
- Cash Management and Lending ProductsFootnote3
- Financial PlanningFootnote4
- 401(k) Rollovers
- Stock Option PlansFootnote5
- Stock Plan ServicesFootnote6
- Sustainable InvestingFootnote7
- Wealth PlanningFootnote8
- Trust AccountsFootnote9
- Planning for Education FundingFootnote10
- Estate Planning StrategiesFootnote11
- 529 PlansFootnote12
- Life InsuranceFootnote13
Securities Agent: NC, MN, LA, AR, WA, UT, ME, TX, PA, ID, GA, AK, IL, NY, MD, FL, OR, CA, MT, AZ, VA, MI, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 1990414
NMLS#: 1990414
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
My Mission
My mission is to work collaboratively with my clients to develop a deep understanding of their unique needs by providing the appropriate level of education, investment advice and communication to help them achieve their holistic financial goals.
My commitment to my mission is demonstrated through three core principles:
Customized Approach
Thorough discovery process that uncovers and prioritizes client’s goals and objectives.
Summary of present financial picture and clearly defined direction for future
Clear recommendations that encompass client’s unique needs
The value of this to you as a client is the confidence that comes with clarity of where you are, where you want to go, and how you can get there.
Tailored Solutions
Intellectual capital and a commitment to continuing education and professional development
Personalized investment portfolios to stay on track with goals based plan
Access to full spectrum of investment choices on premier trading and execution platform
Research from a team of some of the most respected investment professionals in the industry
What this means for you as a client is that you know you have someone in your corner, and the ability to leverage the resources of one of the most respected wealth management firms in the industry.
Responsive Service
Accessible and responsive to your needs and requests.
Ongoing monitoring, maintenance, and reviews of portfolio to track progress and adapt to changing conditions
Clear, straightforward communication
Active interest in clients and their family’s lives
The benefit of this for you is potentially forming a long-term relationship with someone you can trust will do what is in your best interests.
My commitment to my mission is demonstrated through three core principles:
Customized Approach
Thorough discovery process that uncovers and prioritizes client’s goals and objectives.
Summary of present financial picture and clearly defined direction for future
Clear recommendations that encompass client’s unique needs
The value of this to you as a client is the confidence that comes with clarity of where you are, where you want to go, and how you can get there.
Tailored Solutions
Intellectual capital and a commitment to continuing education and professional development
Personalized investment portfolios to stay on track with goals based plan
Access to full spectrum of investment choices on premier trading and execution platform
Research from a team of some of the most respected investment professionals in the industry
What this means for you as a client is that you know you have someone in your corner, and the ability to leverage the resources of one of the most respected wealth management firms in the industry.
Responsive Service
Accessible and responsive to your needs and requests.
Ongoing monitoring, maintenance, and reviews of portfolio to track progress and adapt to changing conditions
Clear, straightforward communication
Active interest in clients and their family’s lives
The benefit of this for you is potentially forming a long-term relationship with someone you can trust will do what is in your best interests.
My Process
Discovery
Typically, what you can expect when you work with me is a process designed to help me understand who you are and what you are trying to accomplish in working with a financial advisor.
This typically involves an initial fact-finding period, in which we discuss your goals and objectives, and information we need to know such as your investment experience, investment time horizon(s), and risk tolerance.
We also take inventory of your current financial picture, which includes your current assets and liabilities. This can include statements for your bank accounts, investment accounts, retirement accounts, W-2’s, mortgages, insurance, and other loans you may have.
Many clients only want us to manage a portion of their overall finances, which is no problem at all. However, it is critical that we have as complete of a picture of your finances as possible to ensure any recommendations we make are not only appropriate but aligned with your goals and in your best interest.
This step is deeply personal, and we take your trust, privacy, and security very seriously. We take the utmost care in protecting all personally identifiable and non-public information.
Proposal
Once we have a collective understanding of what you are looking to accomplish and where you stand currently, I will work to provide you a summary of the information we have compiled and a customized investment proposal. We will review together and once you are satisfied with the proposal; my team will go to work to begin implementing it. We will also set expectations for our working relationship, in terms of contact preferences and frequency, and other aspects of our service model.
Implementation
The implementation step is typically where the heavy lifting occurs. We will provide you everything you need including paperwork to open and transfer accounts, designate beneficiaries, and information to get you registered for a Morgan Stanley Online account help you familiarize yourself with the resources and tools available to you as a new client.
Monitoring
Going forward, we will continue to work for you behind the scenes, monitoring your investments, conducting risk analyses, evaluating the markets, and communicating with you any events that may warrant your attention. In addition to this ongoing account maintenance, we will hold periodic reviews of your portfolio, and discuss any changes to the markets or your life circumstances that may give us reason to adjust your plan.
Typically, what you can expect when you work with me is a process designed to help me understand who you are and what you are trying to accomplish in working with a financial advisor.
This typically involves an initial fact-finding period, in which we discuss your goals and objectives, and information we need to know such as your investment experience, investment time horizon(s), and risk tolerance.
We also take inventory of your current financial picture, which includes your current assets and liabilities. This can include statements for your bank accounts, investment accounts, retirement accounts, W-2’s, mortgages, insurance, and other loans you may have.
Many clients only want us to manage a portion of their overall finances, which is no problem at all. However, it is critical that we have as complete of a picture of your finances as possible to ensure any recommendations we make are not only appropriate but aligned with your goals and in your best interest.
This step is deeply personal, and we take your trust, privacy, and security very seriously. We take the utmost care in protecting all personally identifiable and non-public information.
Proposal
Once we have a collective understanding of what you are looking to accomplish and where you stand currently, I will work to provide you a summary of the information we have compiled and a customized investment proposal. We will review together and once you are satisfied with the proposal; my team will go to work to begin implementing it. We will also set expectations for our working relationship, in terms of contact preferences and frequency, and other aspects of our service model.
Implementation
The implementation step is typically where the heavy lifting occurs. We will provide you everything you need including paperwork to open and transfer accounts, designate beneficiaries, and information to get you registered for a Morgan Stanley Online account help you familiarize yourself with the resources and tools available to you as a new client.
Monitoring
Going forward, we will continue to work for you behind the scenes, monitoring your investments, conducting risk analyses, evaluating the markets, and communicating with you any events that may warrant your attention. In addition to this ongoing account maintenance, we will hold periodic reviews of your portfolio, and discuss any changes to the markets or your life circumstances that may give us reason to adjust your plan.
About Me
I was born and raised in and near Bozeman, Montana. I graduated from Bozeman Senior High School with honors, where I played basketball and served as an editor for the video yearbook. After high school, I took a few years off to live and work at Big Sky Resort where I accumulated 250+ days snowboarding over 3 seasons.
After returning to Bozeman to attend Montana State University, I met my future wife, Mandi. We moved to Bellingham in 2014 as part of a relocation for Mandi’s work, along with our 2 miniature schnauzers, Minnie and Nala. We were married in 2019, bought our first home in Bellingham in 2020, and recently had our second child in January of 2024.
After gaining residency in WA, I completed my degree at Western Washington University in Bellingham, graduating cum laude with my B.A. in Finance and joined Morgan Stanley later that year.
When I’m not working to help my clients achieve their financial goals, I find joy in working out, playing basketball, spending time outdoors, and learning to be the best husband and father that I can be.
After returning to Bozeman to attend Montana State University, I met my future wife, Mandi. We moved to Bellingham in 2014 as part of a relocation for Mandi’s work, along with our 2 miniature schnauzers, Minnie and Nala. We were married in 2019, bought our first home in Bellingham in 2020, and recently had our second child in January of 2024.
After gaining residency in WA, I completed my degree at Western Washington University in Bellingham, graduating cum laude with my B.A. in Finance and joined Morgan Stanley later that year.
When I’m not working to help my clients achieve their financial goals, I find joy in working out, playing basketball, spending time outdoors, and learning to be the best husband and father that I can be.
Location
2200 Rimland Drive
Suite 105
Bellingham, WA 98226
US
Direct:
(360) 650-1794(360) 650-1794
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
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
Iran Conflict: Seven Takeaways for Investors
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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
Article Image
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
Ready to start a conversation? Contact Joseph Silva today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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 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
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.
5Morgan 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.
6Morgan 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.
7Investing 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.
8Morgan 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.
9Morgan 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.
10When 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.
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.
12Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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 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 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
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.
5Morgan 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.
6Morgan 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.
7Investing 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.
8Morgan 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.
9Morgan 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.
10When 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.
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.
12Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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 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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
