Jules Raymond Gimbernat, CIMA®
Financial Advisor
Direct:
(425) 999-0328(425) 999-0328
My Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
ELEVATING YOUR FINANCIAL JOURNEY: UNVEILING MY STORY
With a rich legacy spanning three decades, Jules has been a guiding force, propelling clients toward their financial aspirations with astute insights and impactful advice. Jules thrives on simplifying intricate wealth landscapes while orchestrating holistic investment strategies. At the heart of his approach lies the art of cultivating enduring, authentic relationships with clients founded upon trust, integrity, and an unwavering commitment to exceptional service.
Jules embarked on his professional voyage in 1992, commencing as a Financial Consultant at Merrill Lynch in Honolulu, HI. His journey led him to WA in 1998, where in 2000, he founded his practice—a haven of personalized investment counsel that mirrors the essence of a refined boutique family office.
Years of unwavering dedication and accomplishments have earned Jules prestigious invitations to distinguished academic symposiums such as the Retirement Income Summit, 401k IRA Rollover, Women's Financial Planning, Mortgage Champions, and FA Directed Management. This signifies Jules's dedication to offering clients the most current and pertinent insights.
As a Portfolio Manager (PM), Jules pioneers dynamic investment strategies, tailored to the unique needs of each client. To augment his ability to cater to clients effectively, he earned the coveted CERTIFIED INVESTMENT MANAGER ACCREDITATION™ (CIMA®), a program curated by luminaries from the Wharton School of the University of Pennsylvania.
Jules's formative years in Newport Beach, California endowed him with a keen understanding of living costs and an abiding love for the ocean, sailing, and fly-fishing. As a devoted father, he takes immense pride in his children—Gigi, 23, and JR, 18.
In the tapestry of any business relationship, a conversation is where it all begins. We extend a warm invitation to engage in a "Discovery Meeting" to commence our collaborative journey.
Jules embarked on his professional voyage in 1992, commencing as a Financial Consultant at Merrill Lynch in Honolulu, HI. His journey led him to WA in 1998, where in 2000, he founded his practice—a haven of personalized investment counsel that mirrors the essence of a refined boutique family office.
Years of unwavering dedication and accomplishments have earned Jules prestigious invitations to distinguished academic symposiums such as the Retirement Income Summit, 401k IRA Rollover, Women's Financial Planning, Mortgage Champions, and FA Directed Management. This signifies Jules's dedication to offering clients the most current and pertinent insights.
As a Portfolio Manager (PM), Jules pioneers dynamic investment strategies, tailored to the unique needs of each client. To augment his ability to cater to clients effectively, he earned the coveted CERTIFIED INVESTMENT MANAGER ACCREDITATION™ (CIMA®), a program curated by luminaries from the Wharton School of the University of Pennsylvania.
Jules's formative years in Newport Beach, California endowed him with a keen understanding of living costs and an abiding love for the ocean, sailing, and fly-fishing. As a devoted father, he takes immense pride in his children—Gigi, 23, and JR, 18.
In the tapestry of any business relationship, a conversation is where it all begins. We extend a warm invitation to engage in a "Discovery Meeting" to commence our collaborative journey.
Services Include
- Cash ManagementFootnote1
- Wealth ManagementFootnote2
- Retirement PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Trust AccountsFootnote5
- 401(k) Rollovers
- Professional Portfolio ManagementFootnote6
- Sustainable InvestingFootnote7
- Alternative InvestmentsFootnote8
- Endowments and FoundationsFootnote9
- Philanthropic ManagementFootnote10
Securities Agent: CA, UT, DE, NV, NC, WA, HI, TN, KS, IL, ID, AZ, MI, OR, FL, MN, TX; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 526643
CA Insurance License #: 0C81528
NMLS#: 526643
CA Insurance License #: 0C81528
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
My work with you starts with one or more in-depth, exploratory meetings. I need to understand your unique financial situation so I can offer you the best possible advice and solutions.
When you work with me, you can expect that I will:
Develop a comprehensive financial strategy based on your individual needs
Substitute discipline for emotion in the investment process
Adjust your holdings in response to new opportunities and risks
Maintain strict financial objectivity and avoid conflicts of interest
Substitute discipline for emotion in the investment process
Adjust your holdings in response to new opportunities and risks
Maintain strict financial objectivity and avoid conflicts of interest
I can also coordinate my work with other key members of your financial team, including your:
Tax Specialist
Maximizing Retirement Income
Optimizing a Divorce Financial Outcome
Charitable Giving
Estate or Multi-Family-Member Strategies
Maximizing Retirement Income
Optimizing a Divorce Financial Outcome
Charitable Giving
Estate or Multi-Family-Member Strategies
CIMA® Designation
Not only do I value my clients and building new relationships, but I also have a passion for learning. The CIMA® certification program covers five core topic areas and requires that candidates meet all eligibility requirements, including experience, education, examination, and ethics.
Learn More About The DesignationFamily Wealth Management Life Plan
Whatever it is you want to achieve, we are here to help. Working with me, paired with our technology, is a great way to access advice and build a wealth plan. I can help you and your family uncover your needs, manage risk, and build a customized plan to help you reach your financial goals.
Learn More HereEstate Planning: Giving to Children
A significant part of estate planning involves transferring assets to future generations. Since this involves gifting to minor children, special planning must be employed to ensure that the gift meets the donor’s tax and non-tax objectives.
Learn More HereIRA Charitable Distribution
Knowing when and how you are able to distribute some of your IRA, tax free, is something everyone who is nearing retirement should be aware of. For a more in-depth look at your own personal finances, Jules Gimbernat is able to help you today.
The pdf below will be help answer the most common questions we have found to be asked, related to IRA Charitable Distributions
Find Out More HereThe pdf below will be help answer the most common questions we have found to be asked, related to IRA Charitable Distributions
GPS: Goal Planning System
Our integrated platform ties goals to implementation, leveraging the intellectual capital and sophisticated institutional capabilities of Morgan Stanley. As your life stage changes, so do your goals- our platform helps you to adapt your strategy to meet those changing demands
Learn More About The Goal Planning SystemMorgan Stanley Reserved Living & Giving
As a Reserved member, clients will have access to exclusive partner offers and discounts, as well as thought leadership content on a variety of lifestyle and personal finance topics.
Clients with $1 million+ in assets and liabilities at Morgan Stanley are eligible to enroll in the Reserved Living & Giving program.
Learn More HereClients with $1 million+ in assets and liabilities at Morgan Stanley are eligible to enroll in the Reserved Living & Giving program.
Equity Award Analysis
Compensation in the form of employee stock and options tends to carry a significant level of risk and a high degree of complexity. The appropriateness of a particular investment strategy or account type will depend on an investor’s individual circumstances and objectives.
This Report contains hypothetical examples for consideration and is not intended to be a personalized security, account type or investment strategy recommendation.
Check Out The Sample HereThis Report contains hypothetical examples for consideration and is not intended to be a personalized security, account type or investment strategy recommendation.
2024 Midyear Global Macro Outlook
In the U.S., economic growth could slow in 2024, but business investment may finally turn positive in the second half, according to Morgan Stanley economists. Here’s a closer look at their outlook across regions.
2024 Global Macro Outlook
With inflation cooling, central banks around the world face a Goldilocks dilemma: If they are too easy with monetary policy, inflation could come roaring back; but if they keep policy too tight, it could trigger a recession.
As central bankers try to maneuver a “soft landing,” Morgan Stanley economists expect their efforts will come with a tradeoff: lackluster growth in 2024 and 2025, especially in developed markets.
Click Here to Learn MoreAs central bankers try to maneuver a “soft landing,” Morgan Stanley economists expect their efforts will come with a tradeoff: lackluster growth in 2024 and 2025, especially in developed markets.
Tips To Navigate Your Parents’ Evolving Needs and Finding Balance in the Chaos
A multitude of economic, social and cultural factors have given rise to many middle-aged Americans providing financial, emotional and physical support for their young children, adult children and parents at the same time, often with multiple generations living under one roof. Caring for children while caring for parents, while also trying to keep your own head above water, is a life masterclass in juggling. Needs are constantly competing for attention and resources, often leaving you stuck in the middle.
One of the main concerns facing the Sandwich Generation is: “How do I plan for my own future – my own retirement needs – when I’m constantly balancing the immediate needs of my family?” By addressing the three questions below, you can start to find balance in the chaos, while making sure your own financial future is secure.
One of the main concerns facing the Sandwich Generation is: “How do I plan for my own future – my own retirement needs – when I’m constantly balancing the immediate needs of my family?” By addressing the three questions below, you can start to find balance in the chaos, while making sure your own financial future is secure.
What Are My Needs?
Flight attendants tell you to put on your own oxygen mask first before helping others and this is no different. The first step is to create a personal budget.
- Determine Your Income. Specifically, you’ll want to determine your average monthly income. If your income varies by month, estimate by averaging the past six to 12 months.
- Evaluate Your Emergency Fund. Keeping a stash of cash on hand in case of an emergency is essential. Your emergency fund should be separate from your day-to-day cash, and if you can, put away enough to cover at least three to six months’ of expenses.
- Plan for Savings & Surplus. If you have surplus in your budget, it may be challenging to decide what to do with it. As a dual caregiver, there are an unending number of things you could do with that money, but the most important thing is to pay yourself first. A good rule of thumb is to save for your retirement ahead of your children’s college funds and your parents’ care needs. Be sure to pay off all your debt and evaluate your insurance needs.
What Are My Children’s Needs?
One of the biggest expenses of raising a child is education. If they’re young, consider whether private school tuition is going to be necessary. There may also be the added expenses of books, extracurricular activities and tutors. If you can swing it without sacrificing your own retirement needs, open a 529 College Savings plan, and start investing with as little as $25 per month.
Fifty percent of young Millennials plan to move back home with their parents after college.1 In order to make this work for everyone, it’s important to set expectations. Talk through everything from rent and shared expenses to division of household chores. Don’t neglect the impact this situation will have on your own retirement goals.
Fifty percent of young Millennials plan to move back home with their parents after college.1 In order to make this work for everyone, it’s important to set expectations. Talk through everything from rent and shared expenses to division of household chores. Don’t neglect the impact this situation will have on your own retirement goals.
What Are My Parents’ Needs?
Navigating the needs of your parents can be emotional and tricky. But staying in the loop on what your parents have saved, where it is, what plans they have for the future, and who they trust as their Financial Advisor, will help protect their money and yours. You'll also be better able to make decisions on their behalf in case of an emergency.
Budgeting for your parents’ current and future needs is important. The good news is that you can use the same process you used to create your own budget. Include discussions about their desired standard of living – and what changes would need to happen, given financial constraints. Don’t forget the hard questions: How long can my parents stay in their home? Can they afford home health care? Should they live with me? What about assisted living? Additional care? These are all discussions that need to happen before a move is required.
Budgeting for your parents’ current and future needs is important. The good news is that you can use the same process you used to create your own budget. Include discussions about their desired standard of living – and what changes would need to happen, given financial constraints. Don’t forget the hard questions: How long can my parents stay in their home? Can they afford home health care? Should they live with me? What about assisted living? Additional care? These are all discussions that need to happen before a move is required.
Finding Balance in the Chaos
Dual caregiving comes with a lot of chaos. Don’t forget to make yourself a priority. By creating a clear picture of the needs of every generation under your care, you can map out strategies and solutions that help your entire family thrive. And if you need additional guidance on how to balance this big picture, don’t be afraid to reach out to a financial advisor for help.
1 Forbes. 50% Of Millennials Are Moving Back Home With Their Parents After College. Available at https://www.forbes.com/sites/zackfriedman/2019/06/06/millennials-move-back-home-college/. Accessed February 24, 2020.
If an account owner or the beneficiary resides in or pays income taxes to a state that offers its own 529 college savings or pre-paid tuition plan (an “In-State Plan”), that state may offer state or local tax benefits. These tax benefits may include deductible contributions, deferral of taxes on earnings and/or tax-free withdrawals. In addition, some states waive or discount fees or offer other benefits for state residents or taxpayers who participate in the In-State Plan. An account owner may be denied any or all state or local tax benefits or expense reductions by investing in another state’s plan (an “Out-of-State Plan”). In addition, an account owner’s state or locality may seek to recover the value of tax benefits (by assessing income or penalty taxes) should an account owner rollover or transfer assets from an In-State Plan to an Out-of-State Plan. While state and local tax consequences and plan expenses are not the only factors to consider when investing in a 529 Plan, they are important to an account owner’s investment return and should be taken into account when selecting a 529 plan.
Tax laws are complex and are subject to change. This information is based upon current tax rules in effect at the time this was written. Morgan Stanley Smith Barney LLC and its Financial Advisors do not provide tax or legal advice. 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.
Investments in a 529 Plan are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so an individual may lose money. Investors should review a Program Disclosure Statement, which contains more information on investment options, risks factors, fees and expenses and possible tax consequences. Investors should read the Program Disclosure Statement carefully before investing.
©2020 Morgan Stanley Smith Barney LLC. Member SIPC.
CRC# 2952350 03/2020
Valuable Tools and Resources
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Also featured are Executive Financial Services Resources that focus on helping corporate executives and key insiders effectively navigate the complex landscape of insider trading regulations and reporting requirements.
Also featured are Executive Financial Services Resources that focus on helping corporate executives and key insiders effectively navigate the complex landscape of insider trading regulations and reporting requirements.
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
Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
Morgan Stanley Alternative Investments
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
Rolling Over Your 401(k)
You deserve a retirement plan that aligns with your goals and values. Consider rolling over your 401(k) into an Access Investing account today, by giving me a call: 425.999.0328
Stock & Stock Options
Executives today are increasingly compensated with stock or stock options. However, exercising stock options presents a number of difficult—and sometimes divergent—choices. Accordingly, it is critical that an executive understand the risk of investing financial assets and the potential reward of preferential income tax treatment.
10b5-1 Trading Plan
Equity is an exciting addition to every officer's, director's and other insider's compensation plan. Helping your team protect and grow this asset is a top priority, but so is minimizing insider trading concerns. The right structure can help create compliance clarity for both your company and your insiders.
Rule 144
Morgan Stanley has been #1 in Rule 144 sales for the last 16 years. Our dedicated group of professionals who specialize in assisting executives and other key insiders effectively navigate the complex landscape of insider trading regulations.
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 TodayLocation
4000 Carillon Point
Ste 600
Kirkland, WA 98033
US
Direct:
(425) 999-0328(425) 999-0328
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
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Ready to start a conversation? Contact Jules Raymond Gimbernat today.
1Morgan 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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 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 (“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’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.
7The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
8Alternative 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
10Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 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 (“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’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.
7The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
8Alternative 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.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
10Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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)
