Justin Jacobs
Vice President, Wealth Management,
Financial Advisor,
Qualified Plan Financial Consultant,
Insurance Planning Director
Direct:
(561) 393-1801(561) 393-1801
Toll-Free:
(800) 327-5890(800) 327-5890
My Mission Statement
As your Financial Advisor, my commitment is to help protect you and your family's long-term wealth and health. Not just your account balance, but your quality of life. Not just where you are today, but where you deserve to be tomorrow.
My Story and Services
As a Financial Advisor at Morgan Stanley, I help formulate strategies that are designed to build and protect the wealth of many different types of people and organizations across the spectrum; from affluent families looking to expand their portfolios to small business owners, retirees and professionals.
As a highly regarded professional, I follow a disciplined approach to helping my clients define and achieve their goals. I develop a customized plan individually tailored to each of my clients. Each client’s plan is as much of an individual as they are.
My clients are my family and I want my clients to feel that they are truly part of the family. It is this level of service towards my clients that has been the key to my success.
I’m proud of the first-class service I provide each client and welcome the opportunity to deliver the same level of excellence to you and your family.
I look forward to speaking with you soon.
As a highly regarded professional, I follow a disciplined approach to helping my clients define and achieve their goals. I develop a customized plan individually tailored to each of my clients. Each client’s plan is as much of an individual as they are.
My clients are my family and I want my clients to feel that they are truly part of the family. It is this level of service towards my clients that has been the key to my success.
I’m proud of the first-class service I provide each client and welcome the opportunity to deliver the same level of excellence to you and your family.
I look forward to speaking with you soon.
Services Include
- Retirement PlanningFootnote1
- Alternative InvestmentsFootnote2
- 401(k) Rollovers
- Corporate Pension Plans
- Business PlanningFootnote3
- Wealth ManagementFootnote4
- Wealth PlanningFootnote5
- UGMA/UTMAFootnote6
- Trust AccountsFootnote7
- Structured ProductsFootnote8
- Sustainable InvestingFootnote9
- Qualified Retirement PlansFootnote10
Securities Agent: ME, NY, NJ, MS, FL, VA, NC, MI, KY, PA, NV, NM, AL, OK, OH, MD, CA, MA, DE, TX, SC, OR, ID, NH, MT, IL, CO, TN, GA, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1285370
CA Insurance License #: 0K24232
NMLS#: 1285370
CA Insurance License #: 0K24232
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Creating a clear and confident plan to get you from point “A” to point “B” begins with understanding your values, priorities and aspirations. Working together, I define what is most important to you and develop the path and strategies to get you there.
Together we can discuss strategies designed to fit your unique situation.
Customized Investment Planning:
My commitment to helping my clients plan effectively, invest wisely and map a realistic financial course to their future years
Professionally Selected Investment Choices:
Custom selected investment options as well as direct access to a select group of world-class portfolio managers from renowned investment firms offering customized active, passive and tax efficient strategies
Retirement, Estate and Legacy Planning:
Both personal and corporate retirement planning as well as trust strategies, insurance strategies, beneficiary consulting, family limited partnerships and other legacy planning strategies designed to maximize assets left to heirs
Insurance and Annuities:
I’m life, health and variable annuity licensed in a number of states with the ability to access a large number insurance carriers and solutions.
Corporate 401(k) Management:
Build customized retirement plans for business owners that reduce their fiduciary risk, control costs and maximize employee retirement readiness and outcomes.
Working Together with Your Tax and Legal Professionals:
I work closely with clients’ CPAs, Attorneys and Professional Trustees to help ensure all assets are titled properly, invested appropriately, operating efficiently and per the clients’ plan
Lending Services:
Clients have access to various cash management and lending solutions.
Insurance products, including annuities, are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Together we can discuss strategies designed to fit your unique situation.
Customized Investment Planning:
My commitment to helping my clients plan effectively, invest wisely and map a realistic financial course to their future years
Professionally Selected Investment Choices:
Custom selected investment options as well as direct access to a select group of world-class portfolio managers from renowned investment firms offering customized active, passive and tax efficient strategies
Retirement, Estate and Legacy Planning:
Both personal and corporate retirement planning as well as trust strategies, insurance strategies, beneficiary consulting, family limited partnerships and other legacy planning strategies designed to maximize assets left to heirs
Insurance and Annuities:
I’m life, health and variable annuity licensed in a number of states with the ability to access a large number insurance carriers and solutions.
Corporate 401(k) Management:
Build customized retirement plans for business owners that reduce their fiduciary risk, control costs and maximize employee retirement readiness and outcomes.
Working Together with Your Tax and Legal Professionals:
I work closely with clients’ CPAs, Attorneys and Professional Trustees to help ensure all assets are titled properly, invested appropriately, operating efficiently and per the clients’ plan
Lending Services:
Clients have access to various cash management and lending solutions.
Insurance products, including annuities, are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
A Strong Moral Compass
I build longstanding relationships based on integrity and trust. Every decision I make will be focused on doing the right thing for you. I simplify your financial life, offering the most efficient solutions for your consideration with unbiased, objective advice. Most importantly, I am committed to a superior service model that emphasizes responsiveness and approachability. I am a creative problem solver who puts your interests first.
Caring Relationships
Successful wealth management begins with personalized service and attention. I invite potential clients to meet with me to share their needs and expectations. I look forward to working with companies, individuals and families who seek the kind of long-term, fully engaged relationships I value. The bonds I form are fundamental to my mission, and it is my hope – and has been my experience – that they span generations. My goal is to be the last financial advisor you will ever need.
Highly Personalized Service
I recognize every client is different. Some require in-depth explanations of investment concepts, while others understand those concepts thoroughly and prefer a Financial Advisor with whom they can formulate sophisticated strategies. I am committed to helping you achieve your goals in a manner that aligns with your expectations of a concierge experience.
Transparency
It is critically important for you to always know where you stand. It is my responsibility to keep you informed. I stay in regular contact with you and provide ongoing communication about your plan and portfolio. I believe in transparency of process and utilize an “open architecture” platform with non-proprietary investments to ensure there is never a conflict of interest.
Team Approach
I work in collaboration with your accountant, attorney and other advisors to gain the precise knowledge needed to effectively manage your wealth, while helping ensure our recommendations are fully aligned with your overall financial plan’s goals.
Ongoing Education
Financial education helps ensure continuity as wealth moves from one generation to the next. I believe it is my responsibility to assist you and family members as they face important financial challenges. I am here to answer critical questions that may impact the long-term wealth of your extended family.
I build longstanding relationships based on integrity and trust. Every decision I make will be focused on doing the right thing for you. I simplify your financial life, offering the most efficient solutions for your consideration with unbiased, objective advice. Most importantly, I am committed to a superior service model that emphasizes responsiveness and approachability. I am a creative problem solver who puts your interests first.
Caring Relationships
Successful wealth management begins with personalized service and attention. I invite potential clients to meet with me to share their needs and expectations. I look forward to working with companies, individuals and families who seek the kind of long-term, fully engaged relationships I value. The bonds I form are fundamental to my mission, and it is my hope – and has been my experience – that they span generations. My goal is to be the last financial advisor you will ever need.
Highly Personalized Service
I recognize every client is different. Some require in-depth explanations of investment concepts, while others understand those concepts thoroughly and prefer a Financial Advisor with whom they can formulate sophisticated strategies. I am committed to helping you achieve your goals in a manner that aligns with your expectations of a concierge experience.
Transparency
It is critically important for you to always know where you stand. It is my responsibility to keep you informed. I stay in regular contact with you and provide ongoing communication about your plan and portfolio. I believe in transparency of process and utilize an “open architecture” platform with non-proprietary investments to ensure there is never a conflict of interest.
Team Approach
I work in collaboration with your accountant, attorney and other advisors to gain the precise knowledge needed to effectively manage your wealth, while helping ensure our recommendations are fully aligned with your overall financial plan’s goals.
Ongoing Education
Financial education helps ensure continuity as wealth moves from one generation to the next. I believe it is my responsibility to assist you and family members as they face important financial challenges. I am here to answer critical questions that may impact the long-term wealth of your extended family.
As a Morgan Stanley Financial Advisor, I believe successful wealth management is a process, not an event. As a result, I have built a personalized, first-class service experience that is based on three critical components:
• Continuous service
• Mutual understanding of goals and direction, and
• Ongoing relationship building.
This Client Experience Model enables me to provide service that is both value-added and differentiating. The number one way I attract new clients – and maintain existing ones – is my premium service experience.
Regular Communication
As part of my commitment to superior service, I regularly communicate with my clients. Each call is intended to address different topics that will help you more effectively reach your goals. During this time, I also discuss updates in your life, questions you may have about the market or an opportunity to provide timely information about your portfolio.
While I prepare and agenda for our calls, you have the opportunity to drive each conversation with your agenda items. Below are a list of some of the items we may address during the year:
• Retirement plan contributions and distributions
• Required minimum distributions
• Beneficiary review and estate plan updates
• Debt reduction
• Insurance and annuity reviews
• Tax-efficient gifting strategies
• Maximizing social security benefits
• Educating the next generation
• Tax harvesting
As steward of your personal wealth, I believe you should have immediate access to me, as well as the vast services offered through Morgan Stanley. In addition to the above scheduled activities, I’m always available to answer your questions, either in person or by phone. My number one priority is to be your first call for any financial matter – no matter how simple or complex the situation.
Insurance products, including annuities, are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates. Annuity contracts contain exclusions, limitations, reductions of benefits and terms for keeping them in force.
Guarantees and contractual obligations are backed by the claims-paying ability of the issuing insurance company
• Continuous service
• Mutual understanding of goals and direction, and
• Ongoing relationship building.
This Client Experience Model enables me to provide service that is both value-added and differentiating. The number one way I attract new clients – and maintain existing ones – is my premium service experience.
Regular Communication
As part of my commitment to superior service, I regularly communicate with my clients. Each call is intended to address different topics that will help you more effectively reach your goals. During this time, I also discuss updates in your life, questions you may have about the market or an opportunity to provide timely information about your portfolio.
While I prepare and agenda for our calls, you have the opportunity to drive each conversation with your agenda items. Below are a list of some of the items we may address during the year:
• Retirement plan contributions and distributions
• Required minimum distributions
• Beneficiary review and estate plan updates
• Debt reduction
• Insurance and annuity reviews
• Tax-efficient gifting strategies
• Maximizing social security benefits
• Educating the next generation
• Tax harvesting
As steward of your personal wealth, I believe you should have immediate access to me, as well as the vast services offered through Morgan Stanley. In addition to the above scheduled activities, I’m always available to answer your questions, either in person or by phone. My number one priority is to be your first call for any financial matter – no matter how simple or complex the situation.
Insurance products, including annuities, are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates. Annuity contracts contain exclusions, limitations, reductions of benefits and terms for keeping them in force.
Guarantees and contractual obligations are backed by the claims-paying ability of the issuing insurance company
Through my consultative process I strive to help you improve:
Participant Engagement
Management of Your Fiduciary Responsibilities and Risk
Investment Oversight
Plan Design
Provider Management
Fees Benchmarking and assessment
Ongoing Employee Education
Participant Engagement
Management of Your Fiduciary Responsibilities and Risk
Investment Oversight
Plan Design
Provider Management
Fees Benchmarking and assessment
Ongoing Employee Education
Tax laws are complex and subject to change. 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 and are not “fiduciaries” (under ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www.morganstanley.com/disclosures/dol. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.
Location
4855 Technology Way
Suite 600
Boca Raton, FL 33431
US
Direct:
(561) 393-1801(561) 393-1801
Toll-Free:
(800) 327-5890(800) 327-5890
Fax:
(561) 790-8534(561) 790-8534
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
Article Image
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
Iran Conflict: Seven Takeaways for Investors
Article Image
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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
Ready to start a conversation? Contact Justin Jacobs 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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.
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.
6Morgan 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.
7Morgan 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.
8Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
9Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact 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.
10When 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.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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.
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.
6Morgan 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.
7Morgan 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.
8Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
9Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact 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.
10When 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.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
CRC 4665150 (8/2025)
