John P. Fitzpatrick
Executive Director, Wealth Management,
Wealth Advisor
Direct:
(631) 642-8603(631) 642-8603
My Mission Statement
High quality, personalized advice to simplify your financial life and preserve and grow your wealth
About Me
John P. Fitzpatrick is an Executive Director and Wealth Advisor at Morgan Stanley and the founding partner of the Fitzpatrick Capital Group. He is deeply dedicated to helping individual clients, their families and small businesses, realize their financial goals.
Over his 39 years in practice, John has built a strong reputation as a trusted and thoughtful advisor known for helping families meet their multigenerational financial objectives. He provides comprehensive private wealth management services with a concentration on estate planning and tax efficient investing strategies.
John is deeply involved in the community, serving as a member of the St. Charles Hospital Foundation Board for the past 20 years, in the role of Chairman for the last 12. He has served as a member of the Finance Board at Infant Jesus RCC for 13 years, serving as Co-Chairman of the Board for the past 9 years. He has previously held positions on the board of directors at Theater Three in Port Jefferson as a member of the Board of Trustees of Catholic Charities for the Diocese of Rockville Centre. John spent many years as a volunteer basketball coach for Infant Jesus CYO and Our Lady of Wisdom Regional School, and as a baseball and softball coach with Terryville Little League. In recognition for his service, John was awarded the St. Charles Hospital Theodore Roosevelt Award in 2010 and the prestigious Spirit of St. Charles Award in 2023.
John started his career at Paine Webber in 1984, spending 21 years at the firm as it transitioned to UBS Wealth Management, with a 5-year interlude at Prudential Securities, before joining Morgan Stanley in 2010. He graduated from Hauppauge High School in 1979 and the University of Buffalo in 1983. At UB, John was the captain of the Basketball team, becoming one of only four members of the 1,000 Point Club and ended his career as the all-time leader in games played. He graduated with a B.S. from the School of Business.
Mr. Fitzpatrick has been married to his wife Mary for 38 years and resides in Port Jefferson, New York. Together they have four daughters and one son, three sons-in-law, and four precious granddaughters, Grace, Amelia, Nora and Rosalie.
Over his 39 years in practice, John has built a strong reputation as a trusted and thoughtful advisor known for helping families meet their multigenerational financial objectives. He provides comprehensive private wealth management services with a concentration on estate planning and tax efficient investing strategies.
John is deeply involved in the community, serving as a member of the St. Charles Hospital Foundation Board for the past 20 years, in the role of Chairman for the last 12. He has served as a member of the Finance Board at Infant Jesus RCC for 13 years, serving as Co-Chairman of the Board for the past 9 years. He has previously held positions on the board of directors at Theater Three in Port Jefferson as a member of the Board of Trustees of Catholic Charities for the Diocese of Rockville Centre. John spent many years as a volunteer basketball coach for Infant Jesus CYO and Our Lady of Wisdom Regional School, and as a baseball and softball coach with Terryville Little League. In recognition for his service, John was awarded the St. Charles Hospital Theodore Roosevelt Award in 2010 and the prestigious Spirit of St. Charles Award in 2023.
John started his career at Paine Webber in 1984, spending 21 years at the firm as it transitioned to UBS Wealth Management, with a 5-year interlude at Prudential Securities, before joining Morgan Stanley in 2010. He graduated from Hauppauge High School in 1979 and the University of Buffalo in 1983. At UB, John was the captain of the Basketball team, becoming one of only four members of the 1,000 Point Club and ended his career as the all-time leader in games played. He graduated with a B.S. from the School of Business.
Mr. Fitzpatrick has been married to his wife Mary for 38 years and resides in Port Jefferson, New York. Together they have four daughters and one son, three sons-in-law, and four precious granddaughters, Grace, Amelia, Nora and Rosalie.
Services Include
- 401(k) Rollovers
- 529 PlansFootnote1
- AnnuitiesFootnote2
- Asset Management
- Certificates of DepositFootnote3
- Corporate BondsFootnote4
- Estate Planning StrategiesFootnote5
- Exchange Traded FundsFootnote6
- Financial PlanningFootnote7
- Fixed IncomeFootnote8
- Lending Products
- Life InsuranceFootnote9
- Municipal BondsFootnote10
- Qualified Retirement PlansFootnote11
- Retirement PlanningFootnote12
- Wealth ManagementFootnote13
Securities Agent: WY, MS, OR, NH, MO, ME, DE, VI, SD, NY, NC, MI, MD, MA, VA, PA, GA, CO, WV, UT, TN, IN, DC, RI, OH, AZ, WA, VT, NM, MN, IL, FL, CA, SC, NV, NJ, CT, TX, HI; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 94455
NMLS#: 94455
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Experience
2010 - Present: Morgan Stanley Wealth Management
2000 - 2010: UBS Financial Services
1997 - 2000: Paine Webber Inc.
In 1997, I rejoined Paine Webber Inc. to open their Port Jefferson Office. In 2000, UBS Financial Services acquired Paine Webber Inc.
1991 - 1997: Prudential Securities
1983 - 1991: Paine Webber Inc.
2000 - 2010: UBS Financial Services
1997 - 2000: Paine Webber Inc.
In 1997, I rejoined Paine Webber Inc. to open their Port Jefferson Office. In 2000, UBS Financial Services acquired Paine Webber Inc.
1991 - 1997: Prudential Securities
1983 - 1991: Paine Webber Inc.
Awards
- St. Charles Hospital Theodore Roosevelt Award - November 2010
Associations
- Infant Jesus Parish - Finance Board Member
- St. Charles Hospital - Foundation Board Chairman
Resources and Research
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term results. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Thoughts On The Market Podcast
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From the use of satellite data technology to solve some of the world's most complex problems, to learning how not to follow the crowd when making decisions, The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond. Click the link below for more information and to access a library of interesting content.
Morgan Stanley Ideas Podcast
On The Markets Research Reports
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
On The Markets Research Reports
Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Global Investment Committee Weekly Research ReportClient Service Team
Maryann Ryan - Senior Client Service Associate
Phone:
(631) 642-8601(631) 642-8601
Email:maryann.ryan@morganstanley.com
Drawing on over 32 years of experience, Maryann delivers outstanding service to clients of the Fitzpatrick Capital Group at Morgan Stanley. Her attention to detail and vast knowledge of firm resources, products and platforms help ensure that every client enjoys an easy and seamless experience.
Maryann is responsible for managing the operational aspects of the practice, including assisting clients with account opening, maintenance and disbursements, and helping them stay connected to their financial information both online and in person. She enjoys building decades-long relationships with our clients and removing obstacles as they work through the everyday management of their financial lives. Our clients know they can rely on Maryann to help deliver for them, from the largest tasks to the smallest requests.
Maryann began her career in financial services as a client associate at Prudential in 1992 and has supported John Fitzpatrick and his clients at Prudential Securities, Paine Webber and UBS before joining Morgan Stanley in 2010. She lives in Port Jefferson, New York with her husband Rich and is originally from British Columbia, Canada. When not working, you can find her spending time at the beaches of Long Island, taking in a concert, exploring new places and enjoying whatever new adventures come her way.
Maryann is responsible for managing the operational aspects of the practice, including assisting clients with account opening, maintenance and disbursements, and helping them stay connected to their financial information both online and in person. She enjoys building decades-long relationships with our clients and removing obstacles as they work through the everyday management of their financial lives. Our clients know they can rely on Maryann to help deliver for them, from the largest tasks to the smallest requests.
Maryann began her career in financial services as a client associate at Prudential in 1992 and has supported John Fitzpatrick and his clients at Prudential Securities, Paine Webber and UBS before joining Morgan Stanley in 2010. She lives in Port Jefferson, New York with her husband Rich and is originally from British Columbia, Canada. When not working, you can find her spending time at the beaches of Long Island, taking in a concert, exploring new places and enjoying whatever new adventures come her way.
Janice Chiarenza - Portfolio Associate
Email:Janice.Chiarenza@morganstanley.com
Janice Chiarenza is a Portfolio Associate with the Fitzpatrick Capital Group at Morgan Stanley. She leverages her 27 years of industry experience to deliver exceptional administrative support to clients.
Janice takes a personal approach to providing professional and compassionate service. She assists with account opening, online service enrollment, account maintenance, trading, and disbursements. Over the years she has become adept at anticipating the challenges and inquiries that arise in managing clients’ wealth. In Janice, our clients know they have found a trusted resource and hardworking advocate.
Prior to joining Morgan Stanley in 2015, Janice served clients at Aegis Capital Corp, WFG Investments, First Midwest Securities and several other firms with client relationships that span decades. She joined the Fitzpatrick Capital Group in 2020 and maintains her Series 7 and 66 licenses. In her leisure time, Janice enjoys traveling, cooking and spending time at the beach.
Janice takes a personal approach to providing professional and compassionate service. She assists with account opening, online service enrollment, account maintenance, trading, and disbursements. Over the years she has become adept at anticipating the challenges and inquiries that arise in managing clients’ wealth. In Janice, our clients know they have found a trusted resource and hardworking advocate.
Prior to joining Morgan Stanley in 2015, Janice served clients at Aegis Capital Corp, WFG Investments, First Midwest Securities and several other firms with client relationships that span decades. She joined the Fitzpatrick Capital Group in 2020 and maintains her Series 7 and 66 licenses. In her leisure time, Janice enjoys traveling, cooking and spending time at the beach.
Mary E. Fitzpatrick - Assistant Vice President, Financial Advisor
Phone:
(631) 642-8607(631) 642-8607
Email:mary.e.fitzpatrick@morganstanley.com
Mary E. Fitzpatrick is an Assistant Vice President with the Fitzpatrick Capital Group at Morgan Stanley. She focuses her talents on providing the practice with operational support across three main sleeves: relationship management, marketing, and use of financial planning technology.
An engineer by training, Mary takes an analytical, process-driven approach to helping the team achieve its mission: providing clients with high quality, personalized advice to help simplify their financial lives and preserve and grow their wealth. She enjoys working alongside her own family to help achieve the goals of other families. Mary maintains her series 7 and 63 licenses and registrations.
Mary began her career as an engineer for the Grumman Corporation, where she worked on flight systems and control technology for EAC-6B aircraft. She embarked on her financial services career at UBS in 2005, and later joined Morgan Stanley in 2010. In her free time, Mary relishes spending time together with the five children and four grandchildren she shares with her husband of 38 years, John Fitzpatrick. Mary graduated with distinction from Cornell University with a degrees in mechanical and agricultural engineering.
An engineer by training, Mary takes an analytical, process-driven approach to helping the team achieve its mission: providing clients with high quality, personalized advice to help simplify their financial lives and preserve and grow their wealth. She enjoys working alongside her own family to help achieve the goals of other families. Mary maintains her series 7 and 63 licenses and registrations.
Mary began her career as an engineer for the Grumman Corporation, where she worked on flight systems and control technology for EAC-6B aircraft. She embarked on her financial services career at UBS in 2005, and later joined Morgan Stanley in 2010. In her free time, Mary relishes spending time together with the five children and four grandchildren she shares with her husband of 38 years, John Fitzpatrick. Mary graduated with distinction from Cornell University with a degrees in mechanical and agricultural engineering.
Location
414 Main St
Ste 101
Port Jefferson, NY 11777
US
Direct:
(631) 642-8603(631) 642-8603
Fax:
(631) 237-3325(631) 237-3325
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact John P. Fitzpatrick today.
1Investors 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.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Investors 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.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
7Morgan 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.
8Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Municipal 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.
11When 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.
12When 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.
13Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Investors 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.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
7Morgan 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.
8Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Municipal 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.
11When 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.
12When 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.
13Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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)
