Kyle Witte, CFP®
Financial Planning Director, Vice President
Joseph Anthony Morandi, QPFC
Vice President, Wealth Management,
Financial Advisor,
Corporate Retirement Director,
Financial Wellness Director
Direct:
(212) 613-6719(212) 613-6719
Toll-Free:
(800) 223-4565(800) 223-4565
My Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
About Me
I joined Morgan Stanley in 2012. I chose Morgan Stanley because I am afforded the autonomy to do what is best for our clients. The access to resources and intellectual capital is extensive and I am proud to share that for the benefit of my clients and their families.
I was born in Brooklyn, grew up in Staten Island and have lived in Manhattan since 2003. My childhood has shaped my services model. My family arrived in the US at the turn of the century, from southern Italy, became entrepreneurs, out of necessity, since steady employment was hard to secure at that time.
My father was a carpenter and my mother, a stay-at-home mom until I entered high school, at which point she took a job with NYC Department of Education. Working with my father as a child, taught me the importance of closely listening to clients to fully understand their goals, concerns, vision, and desired outcomes. This stuck with me because once we begin a home remodeling, it’s too late to undo it.
Sadly, my father died in my 20's and having never been exposed to wealth management or financial planning I learned firsthand the vital importance of both. This is why I decided to dedicate myself to wealth management. A few years into my career I realized a well-designed corporate retirement benefit program can deliver what I’m most passionate about, at scale, potentially impacting thousands of lives. This led me to shift my focus to corporate retirement. I earned the designation of Corporate Retirement Director, Financial Wellness Director and earned the Qualified Plan Financial Consultant® credentials from the National Association of Plan Advisors (NAPA).
Academically my background is in Biochemistry. I graduated in 1998 from Stony Brook University. A brief stint in a molecular genetics lab reinforced that my passions and skills actually lie at the intersection of business and research, which led me toward a rewarding early career in sales and marketing. Interestingly, this paved the path for my transition to wealth management at Morgan Stanley.
Outside of work I enjoy learning about behavioral finance, and neuroscience with a focus on the neurobiology of peak performance and flow states. I’m casually learning how to speak proper Italian. I remain fascinated by childhood development and what makes kids my sons age tick. I enjoy attempting to learn about food and wine, and I can honestly say I make very few things well and MANY mediocre dishes at best. Progress is slow, but continuous. Most hobbies revolve around the activities that captivate my son’s interest at the moment and when I can, I’ll squeeze in a round or two of golf.
Giving back has been a core value instilled in my early years and well aligned with one of our corporate core values of Giving Back. I’ve always been willing to lend a helping hand, most recently being appointed a trustee of my local Parish (for the third time in 15 years). I’ve served as trustee and treasurer of La Scuola d’Italia and served on the board of a transitional women’s shelter in Hells Kitchen NYC.
I was born in Brooklyn, grew up in Staten Island and have lived in Manhattan since 2003. My childhood has shaped my services model. My family arrived in the US at the turn of the century, from southern Italy, became entrepreneurs, out of necessity, since steady employment was hard to secure at that time.
My father was a carpenter and my mother, a stay-at-home mom until I entered high school, at which point she took a job with NYC Department of Education. Working with my father as a child, taught me the importance of closely listening to clients to fully understand their goals, concerns, vision, and desired outcomes. This stuck with me because once we begin a home remodeling, it’s too late to undo it.
Sadly, my father died in my 20's and having never been exposed to wealth management or financial planning I learned firsthand the vital importance of both. This is why I decided to dedicate myself to wealth management. A few years into my career I realized a well-designed corporate retirement benefit program can deliver what I’m most passionate about, at scale, potentially impacting thousands of lives. This led me to shift my focus to corporate retirement. I earned the designation of Corporate Retirement Director, Financial Wellness Director and earned the Qualified Plan Financial Consultant® credentials from the National Association of Plan Advisors (NAPA).
Academically my background is in Biochemistry. I graduated in 1998 from Stony Brook University. A brief stint in a molecular genetics lab reinforced that my passions and skills actually lie at the intersection of business and research, which led me toward a rewarding early career in sales and marketing. Interestingly, this paved the path for my transition to wealth management at Morgan Stanley.
Outside of work I enjoy learning about behavioral finance, and neuroscience with a focus on the neurobiology of peak performance and flow states. I’m casually learning how to speak proper Italian. I remain fascinated by childhood development and what makes kids my sons age tick. I enjoy attempting to learn about food and wine, and I can honestly say I make very few things well and MANY mediocre dishes at best. Progress is slow, but continuous. Most hobbies revolve around the activities that captivate my son’s interest at the moment and when I can, I’ll squeeze in a round or two of golf.
Giving back has been a core value instilled in my early years and well aligned with one of our corporate core values of Giving Back. I’ve always been willing to lend a helping hand, most recently being appointed a trustee of my local Parish (for the third time in 15 years). I’ve served as trustee and treasurer of La Scuola d’Italia and served on the board of a transitional women’s shelter in Hells Kitchen NYC.
Securities Agent: AZ, VA, NJ, CT, NC, MA, TX, KS, HI, CA, NY, IL, GA, MD, PA, MO, FL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1312613
NMLS#: 1312613
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Corporate Retirement Planning
As a Corporate Retirement Director at Morgan Stanley, Joseph Morandi helps make administering retirement plan easier. so you can target more time running your business. He has an intense focus on helping clients meet the demand of being a retirement plan sponsor. Joe appreciates that each plan will share some foundational characteristics, but each plan is different; driven by company culture, sector, and the clients' vision for an effective retirement benefit program. To that end, Joe is ever vigilant in his efforts to help clients manage plan sponsor's fiduciary risks and expense while striving to enhance employee experience.
Joe's experience and guidance helps allow plan sponsors to effectively navigate the fiduciary landscape among:
•Defined Contribution Plans
•Defined Benefit Liability Driven Investing
•Pension De-risking
•Risk Transfer
•Non-Qualified Deferred Compensation Plans
•Cash Balance Plans
Plan Consulting
Joe integrates aspects such as plan design, vendor research, benchmarking, investment fund lineup oversight, employee education and engagement programs to help support financial wellness, retirement readiness, and program management Joseph Morandi acts in your best interest by providing strategies that are aligned with your unique investment objectives. His world-class resources seek to deliver beyond traditional consulting to provide a holistic approach to managing your retirement plan.
Your Duty as a Fiduciary:
Recently it has become more complex managing a Corporate Retirement Plan such as a 401(k), 403(b), or Cash Balance. A number of responsibilities fall upon the plan sponsor -from investment management and fee analysis to documenting fiduciary processes, to working with the recordkeeper - with the intention of helping their employees prepare for retirement. Joe promotes plan sponsor engagement education to help empower you to make confident and informed decisions about your retirement plan now and in the future.
Joe's approach:
Joe's tailored consulting and management of your Corporate Retirement Plan provides an end-to-end process that can be of benefit to the plan sponsor and employees alike including: plan management and risk mitigation, investment management, expense and service provider oversight, and employee engagement throughout production and delivery of an employee education plan. He is positioned to help you review your plan's investment policy statement, select and review investments, evaluate service providers, prepare benchmarking reports and share best practices. Additionally, the robust investment options at Morgan Stanley allows Joe to work to help improve outcomes for retirement for your employees while helping the business maintain and adhere to industry standards.
Disclaimer:
When 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.
Joe's experience and guidance helps allow plan sponsors to effectively navigate the fiduciary landscape among:
•Defined Contribution Plans
•Defined Benefit Liability Driven Investing
•Pension De-risking
•Risk Transfer
•Non-Qualified Deferred Compensation Plans
•Cash Balance Plans
Plan Consulting
Joe integrates aspects such as plan design, vendor research, benchmarking, investment fund lineup oversight, employee education and engagement programs to help support financial wellness, retirement readiness, and program management Joseph Morandi acts in your best interest by providing strategies that are aligned with your unique investment objectives. His world-class resources seek to deliver beyond traditional consulting to provide a holistic approach to managing your retirement plan.
Your Duty as a Fiduciary:
Recently it has become more complex managing a Corporate Retirement Plan such as a 401(k), 403(b), or Cash Balance. A number of responsibilities fall upon the plan sponsor -from investment management and fee analysis to documenting fiduciary processes, to working with the recordkeeper - with the intention of helping their employees prepare for retirement. Joe promotes plan sponsor engagement education to help empower you to make confident and informed decisions about your retirement plan now and in the future.
Joe's approach:
Joe's tailored consulting and management of your Corporate Retirement Plan provides an end-to-end process that can be of benefit to the plan sponsor and employees alike including: plan management and risk mitigation, investment management, expense and service provider oversight, and employee engagement throughout production and delivery of an employee education plan. He is positioned to help you review your plan's investment policy statement, select and review investments, evaluate service providers, prepare benchmarking reports and share best practices. Additionally, the robust investment options at Morgan Stanley allows Joe to work to help improve outcomes for retirement for your employees while helping the business maintain and adhere to industry standards.
Disclaimer:
When 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.
Plan Governance
•Investment Selection & Monitoring
•Guide Investment Oversight
•Deliver Stable Value Due Diligence Review and Analysis
•Provide Ongoing Investment Monitoring
•Assist with Investment Selection such as ERISA 3(21) Fiduciary and ERISA 3(38) Investment Manager, upon request
•Guide Investment Oversight
•Deliver Stable Value Due Diligence Review and Analysis
•Provide Ongoing Investment Monitoring
•Assist with Investment Selection such as ERISA 3(21) Fiduciary and ERISA 3(38) Investment Manager, upon request
Equity Solutions for Public Companies
•Equity Administration
•Financial Reporting
•Global Intelligence
•Financial Reporting
•Global Intelligence
Equity Solutions for Private Companies
•Equity Administration
•Liquidity
•409A Valuation
•Liquidity
•409A Valuation
Retirement
•Defined Contribution Consulting
•Defined Benefit Liability Driven Investing
•Small Business Retirement Plans
•Fiduciary Investment Oversight
•Defined Benefit Liability Driven Investing
•Small Business Retirement Plans
•Fiduciary Investment Oversight
Financial Wellness
•Financial Guidance
•Goalsetting to Help Prepare Employees for Retirement
•Help Educate Plan Participation
•Perks
•Goalsetting to Help Prepare Employees for Retirement
•Help Educate Plan Participation
•Perks
Executive Services
•Equity Compensation Services
•Equity Award Analysis
•Specialized Solutions
•Equity Award Analysis
•Specialized Solutions
Deferred Compensation
•Recordkeeping and Plan Design
•Portfolio Construction
•Wealth Management Services
•Portfolio Construction
•Wealth Management Services
Plan Management & Risk Reduction
•Keep Apprised of Legislative and Regulatory Updates
•Perform Plan Assessment and Review
•Provide Strategic Planning
Read the Washington Update, a Summary of Key Legislative and Regulatory Developments Affecting Retirement Savings•Perform Plan Assessment and Review
•Provide Strategic Planning
My Six-Step Approach
My wealth management approach focuses on you, your family and your career – where you are today and where you want to go. Working together, we develop the strategies to help get you there, navigating life’s challenges and helping you make more informed decisions about your wealth.
1. Introductory Call
We begin with an informal conversation to understand your financial concerns and determine how we can add value. If we all agree to move forward, we’ll schedule our next meeting and request important financial information.
2. Get To Know You Meeting
We continue the dialogue by fostering an in-depth conversation where we learn about the values that shape your decisions and identify any unique circumstances. We also review the documents you’ve prepared and define your priorities.
3. Analysis & Plan Development
Here, we utilize proprietary financial planning tools to develop a personalized and detailed plan with recommendations to help you grow, preserve and transfer your wealth.
4. Implementation
In this step, we present appropriate strategies that are designed to work together to achieve your goals. Upon your approval, we open new accounts for you at Morgan Stanley and initiate our investment recommendations. We’ll also begin to implement other strategies we’ve discussed. These often encompass tax minimization strategies, as well as risk management and estate planning techniques.
5. Plan Monitoring
Financial plans change over time as your personal and family situations change. We are here to revisit your plan regularly to make tactical changes to help meet the needs of our ever-changing situations and environment.
6. Ongoing Service
Committed to premium service, we focus on developing a relationship that provides special value to you and your family. As we begin to execute each strategy, we’ll set up tools so you have immediate access to your account information. And because markets and personal needs evolve over time, we set up ongoing meetings to help ensure your plan remains on schedule to achieve your goals.
Comprehensive Financial Planning
Regardless of what stage your life is in - moving ahead in your career, enjoying retirement, or somewhere in between - as your Financial Advisor, I can help you achieve your financial goals.
Using a suite of tools that includes goal-specific analysis, I can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
We can create your personal roadmap to help achieve and protect your goals — a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
Using a suite of tools that includes goal-specific analysis, I can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
We can create your personal roadmap to help achieve and protect your goals — a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
2024 Tax Tables
This helpful resource outlines the 2024 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
Access the 2024 federal tax tables
Manage Debt
We thoroughly review your mortgage, car loans, credit cards, and any other debts that you may have in order to help determine where you can save on interest and create a timeline for your debt payments by prioritizing which ones should be paid off first.
Insurance
We take an extremely close look at your financial profile to decipher what type(s) of insurance most fit your needs, and determine if your current insurance policies are best suited for you and your goals.
Retirement
Leading up to and through retirement, Joseph helps you identify the most appropriate ways to obtain the income you need and help ensure that you are on track to achieve for financial goals.
Estate Planning Strategies
Regardless of your current financial circumstances, it is crucial to have a backup plan for your money. We regularly review your finances with you and coordinate with your estate attorney to help ensure that your wishes are met in the most efficient and cost-effective way possible.
Managing Investments
We take care of your investment accounts based on your comfort level with risk and your current tax circumstances, tailoring your financial strategy to your unique situation, needs, and goals.
Monthly Outlooks & Updates
Joseph strives to simplify complex financial ideas into a digestible format so that clients can truly understand the work that goes into planning for their financial future and livelihood. He is a firm believer in providing clients with as many resources as possible so that they may stay informed on the latest market trends, analyses, and outlooks. The resources below provide in-depth analysis on current market events and finance topics that are affecting the business world today.
Virtual Firm Events
Join us on Tuesday, December 10 for a conversation with Dr. Condoleezza Rice, the 66th Secretary of State, and John Kerry, the 68th Secretary of State. These esteemed leaders will offer their perspectives on the geopolitical challenges that the next U.S administration will face, including rising military tensions, trade policy issues, shifting international alliances, and growing misinformation threats.
Watch Replay
Global Investment Committee on the Markets Monthly Report
A monthly publication that summarizes the Global Investment Committee's market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape
Read more
Global Investment Committee Weekly Research Report
The Global Investment Committee's Weekly Report provides an in depth look at markets, asset class performance and fixed income on a weekly basis.
Read more
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, join Morgan Stanley's Chief Investment Officer and Chief US Equity Strategist as he and his colleagues discuss their viewpoints regarding the latest trends in the financial marketplace.
Listen here
Wealth Management Portfolio Insights
Timely market commentary, thought leadership and portfolio ideas from Morgan Stanley's Global Investment Office.
Learn more
Navigating Real Estate & Homeownership in 2024
Mortgage rates are forecast to drop in 2024, but affordability likely won’t return to pre-pandemic levels. Here’s what that means for buyers, sellers, investors and policymakers.
Learn moreLocation
1 Penn Plaza
43rd Fl
New York, NY 10119
US
Direct:
(212) 613-6719(212) 613-6719
Toll-Free:
(800) 223-4565(800) 223-4565
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
Andrew Howard
Planning Associate
About Kyle Witte
Kyle Witte, CFP® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Midtown Manhattan. He is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Kyle began his career in financial services with Morgan Stanley in 2012. Prior to his current position, he worked with the financial planning product development team.
Kyle graduated from Florida State University and holds his Certified Financial Planner® designation. He lives on the West Side of Manhattan and appreciates all the perks of a walkable city. Outside of work, he enjoys traveling with friends, reading, football, soccer, and fundraising for a community golf tournament held annually in Florida.
Kyle began his career in financial services with Morgan Stanley in 2012. Prior to his current position, he worked with the financial planning product development team.
Kyle graduated from Florida State University and holds his Certified Financial Planner® designation. He lives on the West Side of Manhattan and appreciates all the perks of a walkable city. Outside of work, he enjoys traveling with friends, reading, football, soccer, and fundraising for a community golf tournament held annually in Florida.
About Andrew Howard
Andrew Howard is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Andrew provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from the University of Connecticut, School of Business, and received the Financial Planning Specialist® designation from the College for Financial Planning. Andrew is originally from Fairfield County, Connecticut, and currently resides in Norwalk, Connecticut.
He earned his undergraduate degree from the University of Connecticut, School of Business, and received the Financial Planning Specialist® designation from the College for Financial Planning. Andrew is originally from Fairfield County, Connecticut, and currently resides in Norwalk, Connecticut.
Wealth Management
Global Investment Office
Portfolio Insights
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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Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
State of the Workplace Study 2023
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Joseph Anthony Morandi 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 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.
3When 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.
4Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7Morgan 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.
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 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.
3When 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.
4Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7Morgan 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.
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Awards Disclosures
CRC 6491812 (04/2024)
