Taisha Palmer
Assistant Vice President, Wealth Management Associate
Phone:
(914) 225-0622(914) 225-0622
Karen Rosner, CFP®
First Vice President,
Financial Advisor,
Senior Portfolio Manager,
Alternative Investments Director
Direct:
(914) 225-6724(914) 225-6724
My Mission Statement
I am committed to delivering outstanding long-term performance, exceptional service and insightful investment advice. My client-centric approach to portfolio construction begins with a plan and incorporates both risk and tax management.
About Me
The Kenilworth Group manages wealth for individuals and families, businesses, non-profits, and philanthropies. We develop a deep understanding of your priorities to create personalized plans and investment recommendations that keep you aligned with your long-term goals.
Karen understands the markets, risk mitigation and tax management. She identifies opportunities across asset classes and geographies, while also providing access to Morgan Stanley's wide range of products and services.
Karen’s mission is to deliver outstanding long-term performance, prioritize and attain your goals and help give you a sense of financial well-being. She wants to know what matters most to you. Karen will create a dynamic, goals-and-values-based plan, tailored specifically to you, and will continuously review your plan on a regular basis.
Karen earned her Masters in Science from MIT Sloan School of Management after graduating from Rensselaer Polytechnic Institute where she received a B.S. degree in Electrical Engineering. She also holds a designation as a Certified Financial Planner (CFP®) and at Morgan Stanley, holds certifications as a Senior Portfolio Manager and an Alternative Investments Director. In her career, Karen started at Merrill Lynch in 1995 on the Debt Capital Markets Desk, where she was responsible for debt issuance and derivative hedges for corporations, government agencies and foreign governments. She then transitioned from investment banking to Wealth Management at Morgan Stanley, bringing with her a long and deep understanding of the markets.
Karen understands the markets, risk mitigation and tax management. She identifies opportunities across asset classes and geographies, while also providing access to Morgan Stanley's wide range of products and services.
Karen’s mission is to deliver outstanding long-term performance, prioritize and attain your goals and help give you a sense of financial well-being. She wants to know what matters most to you. Karen will create a dynamic, goals-and-values-based plan, tailored specifically to you, and will continuously review your plan on a regular basis.
Karen earned her Masters in Science from MIT Sloan School of Management after graduating from Rensselaer Polytechnic Institute where she received a B.S. degree in Electrical Engineering. She also holds a designation as a Certified Financial Planner (CFP®) and at Morgan Stanley, holds certifications as a Senior Portfolio Manager and an Alternative Investments Director. In her career, Karen started at Merrill Lynch in 1995 on the Debt Capital Markets Desk, where she was responsible for debt issuance and derivative hedges for corporations, government agencies and foreign governments. She then transitioned from investment banking to Wealth Management at Morgan Stanley, bringing with her a long and deep understanding of the markets.
Services Include
- Financial PlanningFootnote1
- Professional Portfolio ManagementFootnote2
- Alternative InvestmentsFootnote3
- Retirement PlanningFootnote4
- 401(k) Rollovers
- Estate Planning StrategiesFootnote5
- Trust ServicesFootnote6
- Divorce Financial AnalysisFootnote7
- Endowments and FoundationsFootnote8
- Philanthropic ManagementFootnote9
- Planning for Education FundingFootnote10
- Planning for Individuals with Special Needs and their Families
- Long-term Care InsuranceFootnote11
- Sustainable InvestingFootnote12
- Business PlanningFootnote13
- Corporate Retirement PlansFootnote14
Securities Agent: CT, KY, NJ, CO, VT, MO, MD, FL, CA, GA, WA, SC, OH, MN, MA, IL, DE, WY, LA, IN, WI, NH, ME, WV, TX, OR, NY, AZ, UT, PA, NC, ID, VA, RI, MT, MI, KS, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 1492331
NMLS#: 1492331
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
We are committed to providing access to our intellectual capital to provide high-quality investment advice. We work with you to create and implement a strategy, address your concerns and aspirations, manage risk, and deliver innovative strategies tailored to your needs. Below please find additional information on our key areas of strength:
Alternative Investments
Our array of alternative investments include private equity, private real estate, private credit, exchange funds and hedge funds. We provide access to exclusive funds that would otherwise only be available to institutional investors. Karen has extensive training and experience in this area and incorporates these products into your portfolio based on your goals and risk tolerance. She holds a Morgan Stanley certification as an Alternative Investments Director.
Professional Portfolio Management
Karen is a Senior Portfolio Manager at Morgan Stanley and utilizes her training and expertise to research and analyze stocks, bonds, and alternatives for inclusion in your portfolio. Karen’s philosophy when choosing and allocating your assets is focused on the risk-adjusted return, with a tax-efficient overlay.
Trust and Estate Planning Strategies
Building, protecting and passing on a legacy involves much more than investing wisely. It requires a careful analysis of your objectives, intelligent structuring of your assets and an integrated, strategic approach to estate planning and implementation.
Divorce Financial Analysis
We work with you and your attorneys to provide detailed data that calculates the financial impact of settlement proposals to help you negotiate and ultimately choose the best option during divorce.
Endowments, Foundations, and Philanthropic Management
We can help you establish a charitable giving strategy that reflects your passions, vision and values. Our strategies can be structured to provide enhanced tax benefits, generate positive environmental and social impact, and create a philanthropic legacy.
Planning for Education and Special Needs
Planning for your family’s education is an investment in their future. We help you to prepare for this expense, incorporating tax advantaged strategies into your portfolio.
Situations may also arise where you want to ensure that your assets are needed to support a family member who can no longer make independent financial decisions. We help to devise a plan that includes appropriate investment decisions, safety and security.
Situations may also arise where you want to ensure that your assets are needed to support a family member who can no longer make independent financial decisions. We help to devise a plan that includes appropriate investment decisions, safety and security.
Retirement Planning and 401k Rollovers
There are many ways that you can plan for retirement, and a common avenue is through a 401k or 403b at your employer. When working with us, we include these assets in your plan, and incorporate savings and liabilities, as well. We also provide advice and guidance on rolling over your retirement plan.
Business Planning
We believe that integrating your workplace and personal finances is the best way to achieve your goals. We will work with you to create and implement a corporate retirement plan. If you are looking to sell or transfer your business, we can help create a business succession plan and work with your CPA and attorney to make your exit as effective and seamless as possible.
Sustainable Investing
We can select companies or funds in your portfolio that not only aim to achieve financial returns, but also have a positive social or environmental impact.
A Plan for You
We help our clients by developing tailored retirement plans and/or estate planning strategies that are designed to preserve, manage, and distribute your assets during your lifetime and after, while managing risk and minimizing taxation. We included the below resources and tools that we leverage when building out your plan, which also gives you the ability to track your progress and monitor your risk.
CFP® - Certified Financial Planner™
Karen holds a designation as a Certified Financial Planner™. CFP professionals have met rigorous education, training and ethical standards that require them to put their clients’ interests first.
Portfolio Risk Platform - Aladdin
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that measures risk and return characteristics of investment portfolios, measured at the individual security level. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.
Learn More
Total Wealth View
Total Wealth View is a service that allows you to view all your assets and liabilities together - whether held at Morgan Stanley or elsewhere.
Learn More
Retirement Planning
Working with our team and being a client of Morgan Stanley provides you with the ability to also monitor the progress of your plan. LifeView is our financial planning software that allows you to see if you're on track and if the amount you're saving, and investing is on pace to equal the money you'll need when the time comes (with some margin for error).
Learn More
Data Security
Our highest priority is keeping your information protected. Morgan Stanley dedicates significant resources to protecting your assets and personal information.
- We know our clients and utilize verbal confirmations
- Strong encryption protocols designed to protect your data.
- Continuous monitoring to help detect and prevent fraud.
- Routine testing of our systems and security protocols.
- Independent review by outside security firms.
Learn More- We know our clients and utilize verbal confirmations
- Strong encryption protocols designed to protect your data.
- Continuous monitoring to help detect and prevent fraud.
- Routine testing of our systems and security protocols.
- Independent review by outside security firms.
A key principle when working with our wealth management team is that we focus on tax-efficient strategies. Our goal is not simply aimed at seeking returns, but also to help you maintain as much of your wealth when taxes come due. Consider the following resources and reach out to us if you would like to discuss how you can potentially save on taxes.
Tax-Efficient Planning
The tax decisions you make today can help you save for years to come. Consider these smart tax strategies for your financial plan.
Learn More
Tax-Efficient Investing
A key strategy for boosting long-term investment returns is being smart about tax efficiency.
Learn More
Tax Strategies for Retirement
Smart tax planning can help you save more for retirement and keep more of what you've already saved. Consider these tax-efficient retirement planning strategies.
Learn More
Tax-Loss Harvesting
What is tax-loss harvesting exactly, and how do some investors use it to opportunistically reduce their tax bills?
Learn More
Form 1040: Reading Between the Lines
Take a look at your Form 1040 to find potential opportunities to save money hidden between its lines.
Learn More
Are You Prepared for Tax Day?
The countdown to Tax Day has begun. Here are some steps you can take as the deadline approaches.
Learn MoreLocation
2000 Westchester Ave 1nc
Purchase, NY 10577
US
Direct:
(914) 225-6724(914) 225-6724
Meet My Team
Ari Vomvolakis
Senior Registered Client Services Associate
Phone:
(914) 225-4719(914) 225-4719
Roya Ghavami
Vice President, Wealth Management Associate
Phone:
(914) 225-9945(914) 225-9945
About Taisha Palmer
With 7 years of experience in the financial services industry, Taisha Palmer serves as a Wealth Management Associate, where she brings a strong background in client service and financial planning. Taisha holds a comprehensive set of industry licenses, including the Series 7, 66, 9, 10, Life and Health Insurance certifications and the Morgan Stanley Financial Planning Specialist designation. Her expertise spans multiple facets of wealth management, allowing her to provide strategic guidance, operational oversight, and client-focused solutions.
Taisha’s leadership and dedication were recognized through her selection as a Service Associate Coach and her appointment to the firm’s National Service Advisory Council, where she collaborated with 20 prestigious members nationwide to share service innovations and enhance operational efficiency across the wealth management platform.
Taisha is a graduate of Pennsylvania State University with a B.S in Economics and minor in Finance. Beyond her professional achievements, Taisha is a dedicated mother, and an active member of her faith community and regularly engages in community service initiatives. Her personal interests include strength training, culinary arts, and genealogy research.
Taisha’s leadership and dedication were recognized through her selection as a Service Associate Coach and her appointment to the firm’s National Service Advisory Council, where she collaborated with 20 prestigious members nationwide to share service innovations and enhance operational efficiency across the wealth management platform.
Taisha is a graduate of Pennsylvania State University with a B.S in Economics and minor in Finance. Beyond her professional achievements, Taisha is a dedicated mother, and an active member of her faith community and regularly engages in community service initiatives. Her personal interests include strength training, culinary arts, and genealogy research.
About Roya Ghavami
With 25 years of industry experience, Roya Ghavami, Portfolio Associate, started her career as a Trading Assistant on the Government Trading desk at Kidder, Peabody. She then joined Prudential Securities as a Registered Sales Assistant and, subsequently, Financial Advisor. After approximately four years at their Mt. Kisco branch, Roya moved to Prudential's corporate headquarters in New York City where she was as a supervisor at the National Client Center and subsequently a Training Consultant for the company's Branch Liaison department, where she was responsible for training new Operations Managers. Prior to joining Morgan Stanley as a Senior Registered Client Service Associate in July 2007, Roya spent five years as a Supervisory Principal at Citicorp Investment Services' Office of Supervisory Jurisdiction. Roya is a graduate of Brown University and holds the series 3, 7, 9, 10, 24, 63, and 65 securities licenses and a New York State Health and Life insurance license.
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
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
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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
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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
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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
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Karen Rosner today.
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.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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.
4When 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 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, charitable giving, philanthropic planning and other legal matters.
8Morgan 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.
9Products 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Investing 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.
13Morgan 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.
14When 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
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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.
4When 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 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, charitable giving, philanthropic planning and other legal matters.
8Morgan 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.
9Products 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Investing 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.
13Morgan 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.
14When 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.
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Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
