Julia Karasik, CFP®, CIMA®
Executive Director, Financial Advisor, Alternative Investments Director, Family Wealth Director, Senior Investment Management Consultant, Portfolio Manager
Phone:
(312) 648-3417(312) 648-3417
The Karasik Cohen Group at Morgan Stanley
Direct:
(312) 648-3417(312) 648-3417
Direct:
(303) 572-4084(303) 572-4084
Our Mission Statement
We help our clients define and achieve financial success by combining our high-touch consultative process with wealth management simplification and transparency
Who We Are.
The Karasik Cohen Group is a multi-generational family team which helps a select group of affluent individuals and families to protect and grow their wealth so they can stay focused on areas of life that bring them joy.
Our approach centers on construction of a custom-tailored financial plan for you with your unique investment, tax and legacy objectives at its core. By listening and learning during our 50-question discovery meeting, we aim to understand you better than any professional you have worked with.
In electing to work with only a limited number of clients, we are able to devote our full attention to you and your family, as you deserve.
When You Work With Our Team You Can Expect:
- A team of specialists committed to treating you as an individual - not an account number
- A Client Service team to assist you in taking full advantage of our range of services
- Strategic Comprehensive Financial Planning
- Retirement Income Distribution Planning
- Social Security Planning
- College & Education Planning
- Advice on Assets Held Away from Morgan Stanley (i.e. 401(k) Plans)
- Coordination with Your Tax Advisor
- Tax-loss Harvesting
- Technology Services (assistance with Morgan Stanley Online, importing into tax software, and smartphone applications)
- Access to Mortgage & Lending Services
- Insurance Planning (including long-term care insurance)
- Account Aggregation Services (view all of your assets in one location)
- Legacy Planning and Working with Your Family's Next Generation
Services Include
- Professional Portfolio ManagementFootnote1
- Financial PlanningFootnote2
- Alternative InvestmentsFootnote3
- Sustainable InvestingFootnote4
- Retirement PlanningFootnote5
- 401(k) Rollovers
- Life InsuranceFootnote6
- Long Term Care InsuranceFootnote7
- AnnuitiesFootnote8
- 529 PlansFootnote9
- Trust AccountsFootnote10
- Business PlanningFootnote11
- Philanthropic ManagementFootnote12
- Estate Planning StrategiesFootnote13
- Cash Management and Lending ProductsFootnote14
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Forbes Best-In-State Wealth Management Team (2025)
2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Jan 2025) 2024 Forbes Best-In-State Wealth Management Teams ranking awarded in 2025. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) for the period from 3/31/23–3/31/24.
Forbes Top Women Wealth Advisors Best-In State (2024)
2024 Forbes Top Women Wealth Advisors Best-In State Source: Forbes.com (April 2024) 2024 Forbes Top Women Wealth Advisors Best-In State ranking awarded in 2024. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) for the period from 9/31/22–9/31/23.
Forbes Best-In-State Wealth Management Team (2024)
2024 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Jan 2024) 2024 Forbes Best-In-State Wealth Management Teams ranking awarded in 2024. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) for the period from 3/31/22–3/31/23.
Forbes Best-In-State Wealth Management Team (2023)
Source: Forbes.com (January 2023) 2023 Forbes Best-In-State Wealth Management Teams ranking awarded in 2023. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 3/31/21 – 3/31/22.
Forbes Best-In-State Wealth Advisors (2023)
Source: Forbes.com (April 2023) 2023 Forbes Best-In- State Wealth Advisors rankings awarded in 2023. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 6/30/21 - 6/30/22.
Forbes America’s Top Women Wealth Advisors (2023)
Source: Forbes.com (February 2023) Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State rankings awarded in 2023. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 9/30/21 - 9/30/22.
Forbes Top Women Wealth Advisors Best-In-State (2023)
Source: Forbes.com (February 2023) Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State rankings awarded in 2023. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 9/30/21 - 9/30/22.
Forbes Best-In-State Wealth Advisors (2022)
Source: Forbes.com (April 2022) 2022 Forbes Best-In- State Wealth Advisors rankings awarded in 2022. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 6/30/20 - 6/30/21.
Forbes America’s Top Women Wealth Advisors (2022)
Source: Forbes.com (February 2022) 2022 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State rankings awarded in 2022. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 9/30/20 - 9/30/21.
Forbes Best-In-State Wealth Advisors (2021)
Source: Forbes.com (April 2021) 2021 Forbes Best-In- State Wealth Advisors rankings awarded in 2021. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 6/30/19 - 6/30/20.
Forbes America’s Top Women Wealth Advisors (2021)
Source: Forbes.com (March 2021) 2021 Forbes America's Top Women Wealth Advisors ranking awarded in 2021. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 9/30/19 - 9/30/20.
Forbes America’s Top Women Wealth Advisors (2020)
Source: Forbes.com (April 2020) 2020 Forbes America's Top Women Wealth Advisors ranking awarded in 2020. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) during the period from 9/30/18 - 9/30/19.
The Formula for Success
To view our Wealth Management Formula, click the arrow on the right-hand side of the photo.
(If you are on mobile, change to landscape mode and utilize the 'pinch to zoom' feature to get the best view)
The Tools to Support and Pursue Your Financial Goals
Our comprehensive suite of digital tools are designed to help enhance virtually every aspect of your financial life. Each component works together to provide a cohesive experience. This will allow you to view your financial plan, while also safeguarding your personal information. Using these tools, your financial life will be easier to understand and access.
Goals Planning System
In an increasingly complex and ever-changing world, we leverage deep expertise to create a goal plan that can help you adapt to your changing needs and helps keep you on track to reach your financial goals.
Strategic Withdrawals
In which order should you withdraw from your accounts? Backed by our new technology, we can help find the optimal way to pull your money from your various accounts, helping you decide.
Tax-Loss Harvesting
Tax loss harvesting is a tax-efficient investing strategy that can help minimize the amount of current taxes you have to pay on your investments. Under current U.S. federal tax law, you can offset your capital gains with capital losses incurred during that tax year or carried over from a prior tax return. Capital gains are generally the profits you realize when you sell an investment for more than you paid for it, and capital losses are generally the losses you realize when you sell an investment for less than you paid for it.
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors.
Total Wealth View
It's hard to see the complete picture with only half the details. As a Morgan Stanley client, you can now conveniently view your accounts from other financial institutions on Morgan Stanley Online or by using the Morgan Stanley Mobile App, giving you a more complete financial picture.
Aladdin
Our state-of-the-art risk engine is powered by Blackrock's Aladdin engine, used by many of the world's largest institutional asset managers. This unique risk management solution provides sophisticated risk analytics and a view of risk and returns across your portfolios held at Morgan Stanley and at other financial institutions. The Portfolio Risk Platform seeks to help you understand risk across all of your investment holdings, both at Morgan Stanley and at other financial institutions.
Banking and Lending
Morgan Stanley offers a comprehensive approach to wealth management—we provide investment advice and create lending solutions that may meet your financing needs. Whether you want to buy a home, finance a tax obligation, expand your business or have other borrowing needs, your Financial Advisor and team of specialists can work with you to determine appropriate lending strategies to help you achieve your goals.
Spending and Budgeting
Your everyday spending can significantly impact your long-term goals. Our spending and budgeting tool makes it easy for you and your Financial Advisor to see your complete financial picture.
Where Life and Finance Meet
Welcome to the Lifestyle and Wellness tab, your guide to balancing financial stability and a satisfying lifestyle. Discover practical strategies for smart financial decision-making, educational content for both you and your family members, as well as current offers and promotions you may be eligible for as a client with Morgan Stanley.
Building a Budget
Your everyday spending can affect your longer-term goals. Follow these five steps to spend smartly now—so you can reach your goals later.
Credit Card Advice for Students
Teach your college-age child to avoid debt pitfalls, control impulse buying and create a clean credit report for life.
2025 Tax Tables
Here's the 2025 Tax Tables to make sure you're informed of all changes and limits that my impact you, as well as help you keep track of all filing deadlines.
Amex Platinum Card by Morgan Stanley
With the Platinum Card from American Express Exclusively for Morgan Stanley, you'll open new doors to luxury travel and everyday excellence. From weekend getaway's, to one-of-a-kind dining experiences, to an Uber across town, the possibilities of Platinum will touch every aspect of your life.
Philanthropy Portfolio Impact
Our Investing with Impact Platform offers a diverse range of funds and other investments designed to advance environmental, economic and social goals — while striving for competitive performance. We make it easy to craft an investment portfolio of any size that is tailored to meet the impact goals of your choice.
Reserved Living and Giving (RLG)
A tiered complimentary loyalty program featuring bespoke services, curated content and exclusive discounts from over 60 premium brands, ranging from luxury vehicles, entertainment, food & wine, and retail gifts. RLG includes many offers to keep your family safe and engaged at home.
Location
227 West Monroe St.,Suite 3400
Chicago, IL 60606
US
Direct:
(312) 648-3417(312) 648-3417
1550 Market St
Suite 600
Denver, CO 80202
US
Direct:
(303) 572-4084(303) 572-4084
Meet The Karasik Cohen Group
William Cohen
Financial Advisor, Financial Planning Specialist, Alternative Investments Director, Insurance Planning Director
Phone:
(303) 572-4084(303) 572-4084
Maureen Carney
Portfolio Associate, Financial Planning Specialist
Phone:
(312) 648-3452(312) 648-3452
About Julia Karasik
With a career in financial advising beginning in 1994, Julia joined Morgan Stanley in 1998 and quickly became one of the firm's elite advisors. Julia has been named as one of Forbes Magazine Top Women Wealth Advisors from 2020-2023 as well as one of Forbes Best in State Advisors in 2018 and from 2020-2022. Additionally, the Karasik Cohen Wealth Management Group was named as one of Forbes Best-In-State Wealth Management Teams for 2023.
Julia is a firm believer in continually expanding her knowledge base to ensure she provides the highest level of service on an ongoing basis. Her designations include:
-CERTIFIED FINANCIAL PLANNER (CFP®) - recognizing a consultative approach to wealth management, earned at Northwestern University
-Certified Investment Management Analyst (CIMA®) - indicating holistic understanding within all areas of investing, earned at Wharton School of Business at the University of Pennsylvania
-Family Wealth Director - exclusive and rigorous accreditation held by less than 3% of Morgan Stanley’s more than 15,000 advisors focused on comprehensive skills important to ultra-high net worth individuals
-Alternative Investments Director - one of the firm's leaders in the Alternative Investment asset class space
-Master’s Club Member - an elite group within Morgan Stanley composed of the firm's top advisors - the appointment recognizes Julia’s consistent creativity and excellence in providing a wide range of investment products and wealth management services to her clients
Julia was born in Kiev, Ukraine. Fluent in Ukrainian and Russian, Julia is a board member of the Russian Jewish Division of the Jewish United Fund (JUF). She holds Bachelors and Master's Degrees in Civil Engineering and resides in Chicago, Illinois with her husband and is a proud mother of two daughters. An avid skier, most of Julia’s winter weekends are spent as a ski instructor while her warm weather passions include tennis, biking, running and traveling with her family. As a lifelong learner, Julia enjoys reading various subjects including non-fiction and financial books.
2020,2021,2022,2023 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2020,2021,2022,2023). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2018,2020,2021,2022 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018,2020,2021, 2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Julia is a firm believer in continually expanding her knowledge base to ensure she provides the highest level of service on an ongoing basis. Her designations include:
-CERTIFIED FINANCIAL PLANNER (CFP®) - recognizing a consultative approach to wealth management, earned at Northwestern University
-Certified Investment Management Analyst (CIMA®) - indicating holistic understanding within all areas of investing, earned at Wharton School of Business at the University of Pennsylvania
-Family Wealth Director - exclusive and rigorous accreditation held by less than 3% of Morgan Stanley’s more than 15,000 advisors focused on comprehensive skills important to ultra-high net worth individuals
-Alternative Investments Director - one of the firm's leaders in the Alternative Investment asset class space
-Master’s Club Member - an elite group within Morgan Stanley composed of the firm's top advisors - the appointment recognizes Julia’s consistent creativity and excellence in providing a wide range of investment products and wealth management services to her clients
Julia was born in Kiev, Ukraine. Fluent in Ukrainian and Russian, Julia is a board member of the Russian Jewish Division of the Jewish United Fund (JUF). She holds Bachelors and Master's Degrees in Civil Engineering and resides in Chicago, Illinois with her husband and is a proud mother of two daughters. An avid skier, most of Julia’s winter weekends are spent as a ski instructor while her warm weather passions include tennis, biking, running and traveling with her family. As a lifelong learner, Julia enjoys reading various subjects including non-fiction and financial books.
2020,2021,2022,2023 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2020,2021,2022,2023). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2018,2020,2021,2022 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018,2020,2021, 2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: NC, MD, IA, MA, IN, OH, IL, MI, AZ, CA, ID, FL, NY, CO, WI, NV, TX; General Securities Principal; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1293917
CA Insurance License #: 0D86368
NMLS#: 1293917
CA Insurance License #: 0D86368
About William Cohen
Since joining Morgan Stanley in 2017, Will’s passion for helping others and lifelong learning have combined to create a powerful set of tools for his clients. Will provides highly customized advice to affluent families, business owners and busy professionals who lead complex lives and seek unbiased and carefully considered guidance on the full spectrum of financial matters. Additionally, The Karasik Cohen Wealth Management Group was named as one of Forbes Best in State Wealth Management Teams for 2023.
Will is a firm believer in continually expanding his knowledge base to ensure he provides the highest level of service on an ongoing basis. His designations include:
-Financial Planning Specialist – knowledge and ethics necessary to address the wide range of financial challenges confronting high net worth individuals, as well as individuals who are aggressively seeking to increase their wealth
-Alternative Investments Director – focuses on understanding, identifying and selecting alternative investments to diversify client portfolios for those who qualify
-Insurance Planning Director – understanding, identifying and selecting life insurance, long-term care insurance and property/casualty insurance seeking to protect wealth and create tax-efficient estate planning strategies
-2022 and 2023 Pacesetter’s Club Member – Financial Advisors who, within their first five years, demonstrate the highest professional standards and first-class client service
Will and his wife Victoria live in Denver, Colorado. In his free time, Will enjoys competing in amateur golf tournaments and is an avid runner, having completed over a dozen half marathons and the Chicago Marathon in 2014. Reading and self-education play are important to Will as he is currently in process of learning Russian.
2023 Forbes Best-In-State Wealth Management Team
Source: Forbes.com (Awarded 2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
Diversification does not guarantee a profit or protect against loss in a declining financial market.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Will is a firm believer in continually expanding his knowledge base to ensure he provides the highest level of service on an ongoing basis. His designations include:
-Financial Planning Specialist – knowledge and ethics necessary to address the wide range of financial challenges confronting high net worth individuals, as well as individuals who are aggressively seeking to increase their wealth
-Alternative Investments Director – focuses on understanding, identifying and selecting alternative investments to diversify client portfolios for those who qualify
-Insurance Planning Director – understanding, identifying and selecting life insurance, long-term care insurance and property/casualty insurance seeking to protect wealth and create tax-efficient estate planning strategies
-2022 and 2023 Pacesetter’s Club Member – Financial Advisors who, within their first five years, demonstrate the highest professional standards and first-class client service
Will and his wife Victoria live in Denver, Colorado. In his free time, Will enjoys competing in amateur golf tournaments and is an avid runner, having completed over a dozen half marathons and the Chicago Marathon in 2014. Reading and self-education play are important to Will as he is currently in process of learning Russian.
2023 Forbes Best-In-State Wealth Management Team
Source: Forbes.com (Awarded 2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
Diversification does not guarantee a profit or protect against loss in a declining financial market.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Securities Agent: FL, OR, MI, CA, WI, TX, NY, IL, GA, AZ, NM, WA, HI, CO, MA, ID, NC, IN, MD, OH, NV, IA; General Securities Representative; Investment Advisor Representative
NMLS#: 1975039
NMLS#: 1975039
About Maureen Carney
With over 30 years of financial industry experience as a Registered Associate, Maureen brings a wealth of knowledge and experience to the team in the areas of client service, operations, sales and trading. Above all else, she prioritizes client satisfaction, priding herself on going the extra mile every day and upholding the standard of excellence which clients of The Karasik Cohen Group have come to know.
Maureen joined Morgan Stanley in 2017. She received her B.A. in Business Administration from Loyola University of Chicago. She holds Series 7, 63 and 66 licenses, and serves as a financial services resource for the team's clients and family office. In her free time, Maureen is an avid reader and enjoys many pursuits including history, the arts, music, interior design, and spending time with family and friends.
Maureen joined Morgan Stanley in 2017. She received her B.A. in Business Administration from Loyola University of Chicago. She holds Series 7, 63 and 66 licenses, and serves as a financial services resource for the team's clients and family office. In her free time, Maureen is an avid reader and enjoys many pursuits including history, the arts, music, interior design, and spending time with family and friends.
Contact Julia Karasik
Contact William Cohen
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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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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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact The Karasik Cohen Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan 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.
2Morgan 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.
3Alternative 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.
4The 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.
5When 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
11Morgan Stanley 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.
12Products 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.
13Morgan 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.
14Morgan 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
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
1Morgan 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.
2Morgan 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.
3Alternative 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.
4The 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.
5When 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
11Morgan Stanley 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.
12Products 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.
13Morgan 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.
14Morgan 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
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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.
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Awards Disclosures
CRC 6491812 (04/2024)
