Mary Perrone
Portfolio Management Associate, Financial Planning Specialist, Vice President
Phone:
(732) 435-2233(732) 435-2233
Jordan Krantz
Senior Vice President,
Financial Advisor
Direct:
(732) 435-2274(732) 435-2274
My Mission Statement
Providing customized, objective advice designed to give individuals and families the confidence to follow their passions and desires.
About Me
Jordan Krantz is a third generation Financial Advisor, following in the footsteps of both his Grandfather and Father before him. He has over 25 years of industry experience; he has been a Financial Advisor for more than twenty of those years. Through his unique approach to financial planning, Jordan can help you define and strive to meet life’s most important goals by delivering an array of resources in a way that is catered to you. Additionally, his vast experience has helped clients navigate the financial markets through good times and bad.
Jordan has access to some of the world’s most seasoned, respected investment professionals, a premiere trading and execution platform and a full spectrum of investment choices. Jordan is Series 7, Series 63, Series 65 and Life and Health Insurance licensed and was recently promoted to Senior Vice President at Morgan Stanley.
Jordan was born and raised in East Brunswick New Jersey, summering at the Jersey shore. He enjoys spending time in his favorite city, New Orleans, where he met his wife Kristina and his two step-children, twins Jordan and Jayden. As a self-proclaimed music fanatic, Jordan enjoys live music and tinkering on the piano, guitar, and drums. He is also passionate about his favorite sports team, the New York Giants.
Jordan has access to some of the world’s most seasoned, respected investment professionals, a premiere trading and execution platform and a full spectrum of investment choices. Jordan is Series 7, Series 63, Series 65 and Life and Health Insurance licensed and was recently promoted to Senior Vice President at Morgan Stanley.
Jordan was born and raised in East Brunswick New Jersey, summering at the Jersey shore. He enjoys spending time in his favorite city, New Orleans, where he met his wife Kristina and his two step-children, twins Jordan and Jayden. As a self-proclaimed music fanatic, Jordan enjoys live music and tinkering on the piano, guitar, and drums. He is also passionate about his favorite sports team, the New York Giants.
Services Include
- Asset Management
- Retirement PlanningFootnote1
- Planning for Education FundingFootnote2
- Business PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Philanthropic Services
- Trust ServicesFootnote5
- Long Term Care InsuranceFootnote6
- Cash Management and Lending ProductsFootnote7
- AnnuitiesFootnote8
- Alternative InvestmentsFootnote9
- Financial PlanningFootnote10
- Life InsuranceFootnote11
- Fixed IncomeFootnote12
NMLS#: 1371433
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Importance Of Communication
Jordan's advice is backed by advanced technology, insight and institutional scale that can't be found just anywhere. His plans and recommendations are designed specifically to meet his clients' needs and goals. Jordan seeks to establish everlasting relationships with his clients by giving comprehensive advice during times of prosperity and turmoil.
Jordan offers wealth planning informed by sound advice, developing comprehensive solutions to help his clients meet their goals. He looks to develop a deep understanding of his clients' complete financial picture, using unique objectives to construct an investment strategy that is appropriate and all-encompassing. Jordan frequently communicates with his clients throughout their relationship and makes adjustments as his clients' lives progress and financial markets transform.
What Do We Give to Our Clients?
- Exceptional Standard of Care
- Personalized Financial Planning
- Comprehensive Advice
- World-Class Support
Welcome to our life navigator
One of our goals is to help our clients navigate different life events. Here you will find a wide range of content and materials covering a variety of life events and milestones that you might face.
Birth
Welcoming a child into the family is a joyous occasion for everyone. As a trusted advisor to our clients, we play a critical role in helping you plan and prepare for the financial components that a new child introduces into your lives.
Education
Education is a major investment and expense for most of our clients—one that often requires years of careful, advanced planning. As educational costs continue to rise—from primary education through undergraduate, graduate and professional schools—we can help you approach the range of educational expenses, such as tuition, extension programs and advanced professional training, with appropriate funding strategies for your particular situations.
Click here for information about preparing for educational expenses
Business/Work
Many of our 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 their Financial Advisor, we 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.
Click here to learn more
Marriage
There are few events more exciting than when our client decides to align their life with the person they love. Of course, there are conversations you should have with your partner before tying the knot. One of the most important is about money—how you will make it, save it, spend it and invest it.
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Post-Career
Today's 65-year-olds have a high likelihood of living until their mid-80s, and it's not uncommon anymore to reach substantially beyond that. That means you need to plan for a retirement that will span two decades and potentially much more. Longer retirements are great outcomes, but also place a great deal of stress on a household’s finances. As your Financial Advisor, we make sure to put a plan in place so that you are able to take on any curveball retirement may throw at you.
Click here to learn more
Caregiving
Health care costs are rising—especially for retirees, and many will need long-term care. Learn the moves you can make to help prepare yourself.
Click here to learn more
Death
Dealing with death is never easy. Aside from coping with the loss of a loved one, legal matters also require immediate attention, including administration of the estate. Though it may be hard for individuals to talk about estate planning because of the heartache, addressing it promptly is crucial to saving both time and money, and to minimizing family conflict or confusion. Passing away without a will, known as intestacy, means the state determines how the deceased’s assets will be distributed, and this may not be consistent with the family’s wishes
Click here to learn moreHow do you successfully plan for retirement?
Jordan believes in a financial planning strategy that is all encompassing, addressing future living expenses, education funding and travel expenses as clients approach retirement and beyond.
Jordan and his team work with individuals and their families to help them uncover and achieve life’s most important goals. Developed as a dynamic process, Jordan’s approach allows him to fine-tune financial plans as personal values and life changes. Jordan’s unique financial planning process is outlined below.
Jordan and his team work with individuals and their families to help them uncover and achieve life’s most important goals. Developed as a dynamic process, Jordan’s approach allows him to fine-tune financial plans as personal values and life changes. Jordan’s unique financial planning process is outlined below.
1. Discovery
- Discover the goals, wants and needs of the client and his/her family
- Listen to their values and beliefs and how they affect their decision-making
- Identify any challenges that will need to be addressed
- Learn about their interests – both professional and personal
- Listen to their values and beliefs and how they affect their decision-making
- Identify any challenges that will need to be addressed
- Learn about their interests – both professional and personal
2. Assessment
- Analyze financial plans
- Determine the likelihood of achieving goals
- Address potential shortcomings with current plan
- Determine the likelihood of achieving goals
- Address potential shortcomings with current plan
3. Customization
- Construct a personalized financial plan
- Implement specific strategies that will help achieve goals
- Discuss any costs/fees that are involved with tailored plan
- Implement specific strategies that will help achieve goals
- Discuss any costs/fees that are involved with tailored plan
4. Implementation
- Execute investment strategy (upon approval from client)
- Establish timelines and prioritize activities when necessary
- Adjust plan when applicable
- Utilize Morgan Stanley’s industry-leading wealth management tools
- Establish timelines and prioritize activities when necessary
- Adjust plan when applicable
- Utilize Morgan Stanley’s industry-leading wealth management tools
5. Communication
- Track and review progress with clients
- Employ due diligence when evaluating performance
- Interact with clients regardless of market conditions and/or financial status
- Employ due diligence when evaluating performance
- Interact with clients regardless of market conditions and/or financial status
6. Review
Determine if goals or financial situation has changed
- Monitor plan and investments to make sure you are on track
- Reallocate and rebalance portfolio as needed
- Monitor plan and investments to make sure you are on track
- Reallocate and rebalance portfolio as needed
Outlooks & Updates
Here at Morgan Stanley, we strive to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future. Jordan is a firm believer of giving his clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
Morgan Stanley Event Replays
In case you missed one our Morgan Stanley Events. Click the link below to watch the replay of one of our most recent events.
In case you missed one our Morgan Stanley Events. Click the link below to watch the replay of one of our most recent events.
Watch ReplayIn case you missed one our Morgan Stanley Events. Click the link below to watch the replay of one of our most recent events.
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance, and fixed income.
Read The Latest Report
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy, and more.
Read The Latest Report
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Listen To The Latest Episode
The Morgan Stanley Minute
Explore our 1-minute investment insights videos, in this on-going series, from our firm’s leading thinkers. Discover current investment trends and topics like green bonds, active investment, monetizing small businesses, cybercrime and more.
Morgan Stanley MinuteLocation
340 Mount Kemble Avenue
Morristown, NJ 07960
US
Direct:
(732) 435-2274(732) 435-2274
Fax:
(732) 435-2255(732) 435-2255
Meet My Team
Csilla Daloia
Portfolio Management Associate, Vice President
Phone:
(732) 435-2249(732) 435-2249
Jordan Kizmann, CFP®
Financial Advisor
Phone:
(732) 435-2213(732) 435-2213
About Mary Perrone
Mary began her career in the financial services industry in 1987 and joined Morgan Stanley in 2005. She currently holds her Series 7, 63, and 67 licenses and has been a Portfolio Management Associate since 2010.
As a Portfolio Management Associate, she is a skilled and dedicated point of contact for our clients and supports the daily management of client portfolios. With more than 35 years of industry experience, Mary spearheads operations and administration for the team.
Mary is a lifelong resident of Staten Island and lover of country music. She enjoys spending time with her husband Steven and daughter Meagan and day trips to the beach.
As a Portfolio Management Associate, she is a skilled and dedicated point of contact for our clients and supports the daily management of client portfolios. With more than 35 years of industry experience, Mary spearheads operations and administration for the team.
Mary is a lifelong resident of Staten Island and lover of country music. She enjoys spending time with her husband Steven and daughter Meagan and day trips to the beach.
About Csilla Daloia
Csilla began her financial career on Wall Street in 1986. She joined our predecessor firm, Smith Barney in 1993 as a Registered Associate and has been working with the Tobias Group since 1997. She completed the Portfolio Management Associate program in 2009 and holds her Series 7, 63 and 66 licenses. Most recently, Csilla celebrated her 30th anniversary with the Firm and received the 30 Year Loyal Service Award.
As a Portfolio Management Associate, she supports the team in the daily management of client portfolios as well as the operation of the Tobias Group. Csilla is highly involved in all aspects of the team’s relationships to ensure that clients receive exceptional service. Csilla is a dedicated and knowledgeable resource for our clients and team, with more than 37 years of industry experience and focuses in trusts, retirement, cash management, lending, and estate settlements.
Csilla was born in Transylvania and is fluent in Hungarian. Her interests outside of work revolve around her family and friends. She enjoys cooking, music and a relaxing day at the beach.
As a Portfolio Management Associate, she supports the team in the daily management of client portfolios as well as the operation of the Tobias Group. Csilla is highly involved in all aspects of the team’s relationships to ensure that clients receive exceptional service. Csilla is a dedicated and knowledgeable resource for our clients and team, with more than 37 years of industry experience and focuses in trusts, retirement, cash management, lending, and estate settlements.
Csilla was born in Transylvania and is fluent in Hungarian. Her interests outside of work revolve around her family and friends. She enjoys cooking, music and a relaxing day at the beach.
About Jordan Kizmann
Jordan is a Wealth Management Analyst at The Tobias Group. A 2016 graduate of Rutgers University, Jordan transitioned into the financial services industry in 2019 when she joined Morgan Stanley. She currently holds her series 7, 66, 9 and 10 certifications. Jordan’s primary responsibilities include cultivating deep relationships with clients to help them with the financial planning process, assisting in portfolio management, and conducting relevant market research.
An avid runner and rock-climber, Jordan now lives in Somerville, NJ. She volunteers each year with Girls on the Run, a nonprofit organization that helps elementary school-aged girls run their first 5k. In her free time, Jordan also enjoys spending time outside with her extended family, daytrips to the beach and painting.
*This role cannot solicit or provide investment advice.
An avid runner and rock-climber, Jordan now lives in Somerville, NJ. She volunteers each year with Girls on the Run, a nonprofit organization that helps elementary school-aged girls run their first 5k. In her free time, Jordan also enjoys spending time outside with her extended family, daytrips to the beach and painting.
*This role cannot solicit or provide investment advice.
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 Lauren Akers
Lauren Akers is a Private Banker serving Morgan Stanley Wealth Management offices in New Jersey.
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.
Lauren began her career in financial services in 2011, and joined Morgan Stanley in 2013 as a Regional Transaction Manager for the Home Loans Division. Prior to joining the firm, she served as a Credit Analyst at PHH Mortgage.
Lauren is a graduate of Rider University, where she received a Bachelor of Science in Business Administration with a concentration in Finance. She and her family currently reside in Chesterfield, NJ. Outside of the office, Lauren dedicates her time to her family and a number of volunteer activities. Lauren also enjoys spending time with her 2 kitties, cooking, baking, reading, gardening, shopping. traveling and going to the beach. She remains active by exercising and participating in 5K runs.
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.
Lauren began her career in financial services in 2011, and joined Morgan Stanley in 2013 as a Regional Transaction Manager for the Home Loans Division. Prior to joining the firm, she served as a Credit Analyst at PHH Mortgage.
Lauren is a graduate of Rider University, where she received a Bachelor of Science in Business Administration with a concentration in Finance. She and her family currently reside in Chesterfield, NJ. Outside of the office, Lauren dedicates her time to her family and a number of volunteer activities. Lauren also enjoys spending time with her 2 kitties, cooking, baking, reading, gardening, shopping. traveling and going to the beach. She remains active by exercising and participating in 5K runs.
NMLS#: 1457897
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
The Robots are Coming
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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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 Jordan Krantz today.
1When 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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 Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
10Morgan Stanley 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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 Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
10Morgan Stanley 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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)
