Christine Gallo
Senior Client Service Associate
Phone:
(610) 892-4413(610) 892-4413
Joseph DiGregorio, CRPC®
Senior Vice President,
Branch Manager,
Financial Advisor
Direct:
(610) 892-4409(610) 892-4409
Toll-Free:
(800) 232-7977(800) 232-7977
My Mission Statement
My team understands the execution of our process is key, and our dedication to creating a unique plan, discussing investment strategies and monitoring changes in the market can lead to creating a healthier financial future. We want to be the team that helps create your financial peace of mind.
Welcome
In 1991, I embarked on my journey into the financial industry, starting at one of the major wealth management firms on Wall Street. My strategy started simple but was effective. Pick up the phone and engage in meaningful conversations to tackle issues and seize opportunities. Now, together with my team, we've evolved to embrace a multitude of communication vehicles and modern wealth tools. I take immense pride in not just knowing my clients' lives but in fostering an environment rich in education and transparency.
My tenure on Wall Street endowed me with a unique vantage point on the intricacies of financial services. My stint at large banking center in NY, trading world currency on a desk that was the largest of its kind back then, was particularly enlightening. Immersing myself in the dynamics of Fed policy, market fluctuations, and strategy discussions with seasoned professionals propelled me toward asset management and financial planning. Returning to Philadelphia marked my resurgence into wealth management, first at Merrill Lynch as a Financial Advisor and intra-office sales manager, eventually leading me to my current role as a Financial Advisor and Branch Manager at Morgan Stanley.
I chose Morgan Stanley for its best-in-class investment opportunities and comprehensive global wealth management resources. Here, I've been able to craft top-tier financial plans, implement holistic strategies, and leverage the firm's extensive resources to proactively manage and enhance our clients' financial futures.
Being back in Philadelphia with my family, leading a dedicated team of financial advisors, assistants, and specialists has been a full-circle moment. I now have the privilege of serving the community that shaped me.
I always encourage my clients to see our team not just as managers of their wealth but as partners in navigating all life's financial aspects. Our strong foundation enables us to support them through both the expected and the unexpected. It's about being ready, come what may, to step in and make a difference.
My tenure on Wall Street endowed me with a unique vantage point on the intricacies of financial services. My stint at large banking center in NY, trading world currency on a desk that was the largest of its kind back then, was particularly enlightening. Immersing myself in the dynamics of Fed policy, market fluctuations, and strategy discussions with seasoned professionals propelled me toward asset management and financial planning. Returning to Philadelphia marked my resurgence into wealth management, first at Merrill Lynch as a Financial Advisor and intra-office sales manager, eventually leading me to my current role as a Financial Advisor and Branch Manager at Morgan Stanley.
I chose Morgan Stanley for its best-in-class investment opportunities and comprehensive global wealth management resources. Here, I've been able to craft top-tier financial plans, implement holistic strategies, and leverage the firm's extensive resources to proactively manage and enhance our clients' financial futures.
Being back in Philadelphia with my family, leading a dedicated team of financial advisors, assistants, and specialists has been a full-circle moment. I now have the privilege of serving the community that shaped me.
I always encourage my clients to see our team not just as managers of their wealth but as partners in navigating all life's financial aspects. Our strong foundation enables us to support them through both the expected and the unexpected. It's about being ready, come what may, to step in and make a difference.
Services Include
- 401(k) Rollovers
- Alternative InvestmentsFootnote1
- Asset Management
- Business PlanningFootnote2
- Cash ManagementFootnote3
- Estate Planning StrategiesFootnote4
- Financial PlanningFootnote5
- Lending Products
- Life InsuranceFootnote6
- Planning for Education FundingFootnote7
- Professional Portfolio ManagementFootnote8
- Retirement PlanningFootnote9
- Trust Services*
- UGMA/UTMAFootnote10
- Wealth Consulting
- Wealth ManagementFootnote11
Securities Agent: RI, IL, WI, CT, DC, IA, VA, MN, MO, UT, TX, NC, ND, MT, NE, OH, OR, PA, MD, SD, SC, AZ, CA, CO, IN, WA, VT, PR, NY, NV, NM, NJ, MS, MA, GA, FL, DE, AR, AL, AK, HI, LA, MI, WY, VI, WV, ID, KS, KY, ME, NH, OK, TN; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 526475
NMLS#: 526475
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Step-by-Step Process
Initial Meeting and Setting Expectations
- Review your Financial background and submitted documents.
- Discuss current life goals, recent life developments, discuss tolerance for risk.
- Set a clear expectation of our relationship going forward.
An Assessment of your Journey so Far
- Tell us your story, your background and how you got here today.
- Provide educational resources on retirement, estate planning, tax strategies and other relevant topics brough up during our talk.
Developing the Right Plan, Goal Setting
- We will review your current income, expenses, assets, investments, insurance and other liabilities to discuss the bigger picture.
- Discuss any changes in your life since we have met so far.
- Set tangible goals that fit your unique profile.
- Collaborate on both short term and long term expectations that relate to your tax status, time horizon and risk tolerance.
- Close with providing guidance, educational resources and a look at the breadth of resources our firm has to offer.
Implement Your Decisions
- Develop a plan of action that outlines specific agreed upon steps to help reach your goals within your timeline.
- Clarify responsibilities and schedule a follow up call.
Ongoing Review and Monitoring for All Stages of Life
- Summarize this process from our initial discussion and confirm your understanding of where we are now.
- Provide necessary paperwork.
- Close on when we will meet again and how we will communicate going forward.
CLIENT RESOURCES
I am always looking for ways to leverage cutting-edge technology and deliver customized wealth management solutions to my clients and their families. I want to ensure my clients are served on market-leading technology platforms that are resilient, safe, efficient, smart, fast, and flexible. Below you will find some of the resources that Morgan Stanley delivers.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online Today
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started Today
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Enroll Today
Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our award winning tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth Management
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Learn More
Security Center
Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
Visit our Security Center
Reserved Offers
Exclusive offers to keep Reserved Clients and their families safe and engaged. Offers span across such categories as Dining, Health & Wellness, Travel, Entertainment, and more.
Learn More
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk PlatformMy Family
Growing up in the Philadelphia area, my wife, Meghan, and I agreed that there was no better place to start a family of our own. We were both raised playing sports and loving the outdoors, it was only natural that those traits were passed on to the kids. Whether we were coaching their teams or just being supportive parents, we spent time on every kind of athletic field imaginable! Although we still can be seen at soccer and field hockey games, our time is also spent attending concerts, supporting our local Philadelphia Opera, or figuring out how to get the family together for vacations and dinners. (The picture is from our trip to Italy in 2023). When we are not organizing family fun, we can be found with our cherished friends sharing a meal or on the golf course enjoying the time spent with them. My wife and I are so thankful for the family and friends we have, our goal has always been to share life's experiences with those that we love.
Upcoming Firm Events
We hope you will join us for this upcoming event.
U.S. Policy Pulse: Trump 2.0 and the Markets
DATE: February 25, 2025 at 4:15 p.m. ETJoin Morgan Stanley Wealth Management Chief Investment Officer, Lisa Shalett, on Tuesday, February 25, for a conversation with Chief Economic Strategist and Global Head of Thematic and Macro Investing, Ellen Zentner, and Head of U.S. Public Policy, Monica Guerra, on the top policy and regulatory actions that could impact investors in the months ahead.
CRC4192005 02/2025
Online
Location
3803 West Chester Pike
Ste 200
Newtown Square, PA 19073
US
Direct:
(610) 892-4409(610) 892-4409
Toll-Free:
(800) 232-7977(800) 232-7977
Fax:
(610) 565-7549(610) 565-7549
Meet My Team
About Christine Gallo
Christine Gallo serves as a Senior Registered Client Service Associate with Morgan Stanley Wealth Management. Her primary responsibility is to handle the day-to-day operational and administrative responsibilities. She is committed to providing outstanding customer service and does so through her attention to detail. She holds the Series 7, Series 63, Series 65 and PA Life/Health Accident Insurance licenses.
She has been in the industry for over 20 years. Prior to joining Morgan Stanley, Christine worked at TIAA as a Registered Client Service Associate and has held various roles within brokerage operations and relationship management with firms such as Vanguard, BlackRock and J.P. Morgan.
Outside the office, Christine lives in Media, PA. In her free time, she enjoys volunteering and spending time with friends and family.
She has been in the industry for over 20 years. Prior to joining Morgan Stanley, Christine worked at TIAA as a Registered Client Service Associate and has held various roles within brokerage operations and relationship management with firms such as Vanguard, BlackRock and J.P. Morgan.
Outside the office, Christine lives in Media, PA. In her free time, she enjoys volunteering and spending time with friends and family.
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
Fabienne Sarnecki
Private Banker
About Fabienne Sarnecki
Fabienne Sarnecki is a Private Banker serving Morgan Stanley Wealth Management offices in Pennsylvania.
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.
Fabienne began her career in financial services in 2009, and joined Morgan Stanley in 2016 as a Regional Analyst. Prior to joining the firm, she was an Internal Wholesaler at Lincoln Financial Group as well as an Account Manager & Marketing Coordinator at Navidor Merchant Services.
Fabienne is a graduate of New York University where she received a Bachelor of Arts in Economics. She lives in Wayne, Pennsylvania with her family. Outside of the office, Fabienne enjoys running, hiking, exploring new types of cuisines and traveling with her family.
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.
Fabienne began her career in financial services in 2009, and joined Morgan Stanley in 2016 as a Regional Analyst. Prior to joining the firm, she was an Internal Wholesaler at Lincoln Financial Group as well as an Account Manager & Marketing Coordinator at Navidor Merchant Services.
Fabienne is a graduate of New York University where she received a Bachelor of Arts in Economics. She lives in Wayne, Pennsylvania with her family. Outside of the office, Fabienne enjoys running, hiking, exploring new types of cuisines and traveling with her family.
NMLS#: 1879930
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?
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
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact Joseph DiGregorio today.
1Alternative 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.
2Morgan 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.
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 Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
8Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
9When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
11Morgan 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
2Morgan 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.
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 Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
8Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
9When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
11Morgan 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)
