John Reim
Private Wealth Advisor
Phone:
(202) 292-5460(202) 292-5460
Kevin M. Pilarski, CEPA®
Financial Advisor,
Workplace Advisor - Equity Compensation
Direct:
(202) 993-0950(202) 993-0950
My Mission Statement
Helping executives bring their vision & goals to life through equity award planning and comprehensive wealth management solutions.
Welcome
Securities Agent: FL, MT, OR, TN, PR, NJ, NE, MO, MD, HI, CT, WA, PA, OH, ID, VA, SC, CO, CA, AK, WI, OK, NY, NM, NC, LA, KY, VT, UT, MS, MN, KS, DE, WV, RI, NH, ND, IL, IA, DC, AZ, GA, AL, WY, NV, MA, IN, AR, TX, SD, MI, ME, VI; General Securities Representative; Investment Advisor Representative
NMLS#: 2587770
NMLS#: 2587770
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our process links every aspect of your financial management with your vision, ideals and goals.
At Morgan Stanley, we believe that identifying financial solutions begins with a solid understanding of each client's situation, goals, needs, and risk tolerance. We follow a disciplined approach that allows us to work with you to craft a solution that helps meet your individual financial needs.
Step 1: Introductory Meeting & Assessment
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals.
Step 2: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing an appropriate risk tolerance that can help you achieve the financial outcome you envision for yourself.
Step 3: Financial Plan Presentation
Financial plan presentations map out essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage. Examining relevant financial information provides a holistic asset allocation analysis for your current accounts helping ensure a comprehensive financial plan.
Step 4: Action Items / Next Steps
After the financial plan presentation, we will follow up with you regarding our analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits, and insurance coverage.
Step 5: Implementation Meeting
The implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving/benefit modifications.
Step 6: Monitoring & Performance Tracking
Finally, we will be constantly monitoring your assets and analyzing your performance tracking data seeking to ensure your financial expectations are being met and adjusted accordingly. We will keep a high degree of communication with you to make sure your concerns and requests are always being addressed.
As your family grows and your wealth increases, you may face more subtle and profound wealth management issues. As the demands of your family grow and evolve, you will likely need professionals who have expanded capabilities.
Morgan Stanley Family Office Overview
Addressing the full spectrum of your complex, multigenerational, wealth management. As your family grows and your wealth increases, you may face more subtle and profound wealth management issues.
Learn More
Family Governance & Dynamics
For many UHNW clients, the most difficult wealth planning challenge they face relates not to their financial capital, but to their human capital. For these clients, their most daunting challenge involves managing the complex mix of issues relating to the impact that wealth has on their families.
Learn More
Wealth & Estate Planning
The Wealth & Estate Planning Specialists are a team within Morgan Stanley Wealth Management that serves as “virtual” team members for Financial Advisors to assist in creating tailored solutions to help preserve and transfer wealth.
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Signature - Lifestyle Advisory
We provide referrals to knowledgeable, highly personal assistance to help meet your exceptional needs from the everyday to the extraordinary.
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Investing With Impact
Managing significant wealth can make it difficult to focus on what matters most to you: pursuing personal goals and family aspirations, exploring opportunities and living the life you envision.
Learn More
Philanthropy Management
We deliver the information, advice and support needed to help you define your philanthropic goals and create an effective strategy to reach them.
Learn More
Insured Solutions
Many high net worth families have tax planning, wealth transfer and philanthropy needs that may be met by comprehensive insurance solutions.
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Wealth Education
The Wealth Education group helps ultra high net worth families strive to maximize the value of their human capital by driving family wealth education, making it more likely that all members of the family will have the foundation they need to lead meaningful, fulfilled and engaged lives.
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Trust Services
Our trustee platform is “open architecture,” meaning that we provide you with access and ability to select an
appropriate third-party corporate trustee for your trust account. Trust Specialists, within Morgan Stanley,
analyze client trust documents and situations and then suggest a fiduciary solution for your needs and goals
Learn Moreappropriate third-party corporate trustee for your trust account. Trust Specialists, within Morgan Stanley,
analyze client trust documents and situations and then suggest a fiduciary solution for your needs and goals
CORPORATE SOLUTIONS WITH MORGAN STANLEY AT WORK
I am committed to provide workplace solutions through Morgan Stanley at Work to help employees thrive across three verticals: equity solutions, financial wellness, and retirement plans. We bring in corporate solutions to empower companies in their management of these programs and, ultimately, to support their employees through their financial journeys.
Our mission is to assist your company in elevating your workplace financial solutions to the next level and support your employees on their financial journeys, understanding their individual life stages and addressing their timely needs, no matter where they are in their life or career. Discover our workplace financial solutions deliver powerful tools, guidance, and education to help your company and your employees thrive.
- Equity Administration
- Liquidity
- 409A Valuation
- When launching a new equity plan for employees (e.g. ESPP launch, new equity type issued)
- When going global and expanding their equity plan into new jurisdictions/countries
- If dissatisfied with their current provider/platform
- When there's plan-impacting action happening (e.g. merger/acquisition, going from public to private)
- When looking for additional participant offerings to enhance their current benefits program (e.g. financial wellness, retirement planning)
- Defined Contribution Consulting
- Solutions-Oriented Plans
- Fiduciary Investment Oversight
- Recordkeeping and Plan Design
- Portfolio Construction
- Wealth Management Services
- Education
- Financial Guidance
- Perks
- Student Loan Repayment
- College Savings
- Student Loan Refinancing
- Equity Compensation Services
- Equity Award Analysis
- Specialized Solutions
Equity Solutions for Private Companies
Morgan Stanley at Work's comprehensive suite of financial solutions for the private markets is designed to help companies create a culture of ownership. From the early days of a startup to preparing to go public, Morgan Stanley at Work provides the technology and services needed to manage cap tables and equity plans, generate audit-ready 409A valuations, run liquidity programs and support secondary transactions. These equity management solutions, delivered through the Shareworks platform, are complemented by a suite of workplace financial solutions to help build employee financial confidence, foster loyalty, and help companies attract and retain talent. These include:
Equity Solutions for Public Companies
We help corporate clients and prospects get the most from their equity compensation benefits with cutting-edge technology that's customizable and scalable. Whether they're newly public, expanding globally or looking to evolve their equity compensation management offering, we're able to help with their end-to-end equity compensation solutions.
Situations when public market clients may be looking for equity compensation management help include:
Retirement Solutions
Retirement Services maintains relationships with service providers to offer an array of product solutions for retirement plans of all sizes. We also have relationships with investment-only providers who offer value-added tools and resources. Some of our services include:
Deferred Compensation
With Morgan Stanley at Work, we have access to a range of Nonqualified Deferred Compensation plan services and will help guide your company in picking the ones that best fit the needs of your company and employees.
We can help review and evaluate available plan designs and informal funding strategies through a needs-based assessment, provide manager selection support and investment-related insights to help informally fund a non-qualified deferred compensation plan, and provide participants with plan education through a Morgan Stanley Financial Advisor.
Financial Wellness
The more knowledgeable employees are in their finances, the more confident they can be in work and life. That's why we include Financial Wellness with every service we provide.
Through a powerful combination of education, digital tools and financial guidance from our professionals, Financial Wellness is designed to address the unique needs of employees and empower their financial journey at every stage, giving employees the confidence to take charge of their finances. These services include:
Saving and Giving
Saving and Giving benefits can make a real difference in employees' lives as they can support the things that matter most to them—like saving for education and repaying student loans. Companies can show that they are committed to employees' priorities with leading-edge solutions that help them chart a path toward financial well-being. These services include:
Executive Services
While business leaders are busy driving change for a company, our Executive Services team provides specialized expertise in equity compensation so they can keep taking the company to new heights. At Morgan Stanley, we can provide a dedicated team provides concierge-level support for executives' equity compensation, from 10b5-1 trading plans to form filing related to Rule 144 transactions, to access to wealth management and tax-optimization strategies, helping them navigate their complex financial needs with greater confidence and certainty. Some of our services include:
Location
1747 Pennsylvania Ave NW
Ste 900
Washington, DC 20006
US
Direct:
(202) 993-0950(202) 993-0950
Meet My Team
Eddy Moss
Financial Advisor
Phone:
(202) 292-5436(202) 292-5436
About John Reim
John F. Reim is a Managing Director of Morgan Stanley’s Private Wealth Management division in Washington, D.C. Prior to joining Morgan Stanley in 1986, John earned his CPA designation working for Price Waterhouse as a senior staff accountant in Philadelphia, and earned an MBA in Finance from the University of Pennsylvania’s Wharton School in 1984. John graduated from Penn State with a B.S. and the Honors Program in Accounting in 1979.
John manages more than $900 million of client assets, providing discretionary separate account management services for families and trusts. John has been regularly listed among top financial advisors in the United States based upon annual rankings published by Barron’s.
John is currently a member of the board of directors of CareFirst BlueCross BlueShield (Baltimore, Md). John has previously served on the boards of The Wolf Trap Foundation (Vienna, Va.) and The Heights School (Potomac, Md.).
John manages more than $900 million of client assets, providing discretionary separate account management services for families and trusts. John has been regularly listed among top financial advisors in the United States based upon annual rankings published by Barron’s.
John is currently a member of the board of directors of CareFirst BlueCross BlueShield (Baltimore, Md). John has previously served on the boards of The Wolf Trap Foundation (Vienna, Va.) and The Heights School (Potomac, Md.).
Securities Agent: CA, WI, TN, OR, MT, IL, AR, WA, VA, NY, NV, NH, NC, HI, ME, LA, KY, IA, CT, AZ, OK, NM, ND, MS, MI, MD, IN, MN, UT, NJ, AK, RI, OH, MA, VT, TX, PA, NE, FL, AL, SC, PR, MO, KS, GA, DC, WY, WV, VI, SD, ID, DE, CO; BM/Supervisor; General Securities Principal; General Securities Representative; Investment Advisor Representative
About Eddy Moss
Eddy is a Vice President and Financial Advisor whose mission is to help families and organizations use wealth as a force for good. It’s his belief that true financial success goes beyond balance sheet, income, and return. He believes that true Financial Success is determined by how effectively each dollar earned, spent, invested, or gifted becomes an intentional force for good within families, communities, and the world at large. He developed a purpose driven planning process for each domain of wealth management - defining mission driven goals, values aligned portfolio management, high impact philanthropic strategies.
Eddy came to Morgan Stanley from Merrill Lynch in 2020 after 7 years in the financial services industry. He graduated from the University of Dallas with a Cum Laude degree in Economics.
Eddy currently serves on the board of directors of The Heights School (Potomac, MD) and the Tenley Study Center. He teaches as an adjunct professor of Wealth Management at the Catholic University of America, and is the founder of DC Accelerator.
He lives in Great Falls, VA with his wife Sarah and three children James, Isaac, and Mia.
The 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.
Eddy came to Morgan Stanley from Merrill Lynch in 2020 after 7 years in the financial services industry. He graduated from the University of Dallas with a Cum Laude degree in Economics.
Eddy currently serves on the board of directors of The Heights School (Potomac, MD) and the Tenley Study Center. He teaches as an adjunct professor of Wealth Management at the Catholic University of America, and is the founder of DC Accelerator.
He lives in Great Falls, VA with his wife Sarah and three children James, Isaac, and Mia.
The 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.
Securities Agent: TX, SC, MN, CA, WI, WA, NC, GA, NH, MD, CO, AZ, NJ, ME, AL, SD, VI, TN, PR, OR, LA, AR, WY, ND, AK, NM, NE, MS, IN, KS, IA, VT, MT, HI, WV, MO, MA, DE, UT, RI, OK, OH, NY, NV, MI, KY, IL, FL, CT, PA, ID, DC, VA; General Securities Representative; Investment Advisor Representative
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Tolu Adeyemi
Private Banker
Jill Toomey, CFP®
Financial Planning Director, Vice President
Mark Jansen
Family Office Resources Generalist
About Tolu Adeyemi
Tolu Adeyemi is a Private Banker serving Morgan Stanley Wealth Management offices in Washington D.C. and Maryland.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Tolu began his career in financial services in 2007, and joined Morgan Stanley in 2018. Prior to joining the firm, he was a Senior Client Advisor at PNC Private Bank. He also served as a Wealth Management Banker and Investment Service Adviser for Merrill Lynch.
Tolu is a graduate of Kean University, where he received a Bachelor of Science in Marketing. He lives in Fulton, MD with his wife and two sons. Outside of the office, Tolu enjoys playing golf, fishing, cooking, and spending time with family and friends.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Tolu began his career in financial services in 2007, and joined Morgan Stanley in 2018. Prior to joining the firm, he was a Senior Client Advisor at PNC Private Bank. He also served as a Wealth Management Banker and Investment Service Adviser for Merrill Lynch.
Tolu is a graduate of Kean University, where he received a Bachelor of Science in Marketing. He lives in Fulton, MD with his wife and two sons. Outside of the office, Tolu enjoys playing golf, fishing, cooking, and spending time with family and friends.
NMLS#: 643728
About Jill Toomey
Jill Toomey, CFP® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management and Private Wealth Management offices in the Washington D.C. Market. Jill is responsible for helping Financial Advisors’ clients and prospects with their financial planning needs.
Jill began her career in financial services in 2013 and joined Morgan Stanley in 2016. Prior to her current position, Jill served as a Financial Advisor and as the Southeast Region Planning Solutions Specialist covering the states of GA, FL, AL, KY, TN, and WV.
Jill received her bachelor’s degree in mathematics from the University of Delaware and holds her Certified Financial Planner® designation, which is the standard of excellence in financial planning. Jill currently resides in Alpharetta, GA.
Jill began her career in financial services in 2013 and joined Morgan Stanley in 2016. Prior to her current position, Jill served as a Financial Advisor and as the Southeast Region Planning Solutions Specialist covering the states of GA, FL, AL, KY, TN, and WV.
Jill received her bachelor’s degree in mathematics from the University of Delaware and holds her Certified Financial Planner® designation, which is the standard of excellence in financial planning. Jill currently resides in Alpharetta, GA.
About Mark Jansen
Mark Jansen is a Family Office Resources Generalist for Morgan Stanley’s Family Office Resources, covering the Southeast Region. In this capacity, Mark provides specialized expertise to Financial Advisors and their UHNW clients across a broad range of family wealth management issues including; family governance and wealth education, strategic estate and financial planning, philanthropy management and lifestyle advisory. Mark has over 30 years of experience advising wealthy families, business owners, and their children.
Most recently, Mark worked with New York Life in their Advanced Planning Group working with agents and their UHNW clients advising them on estate and legacy planning, business buy sell planning, and succession planning. Prior to New York Life, Mark held similar Advanced Planning Consulting roles in several National financial organizations. He originally started his career in the financial services industry in the tax department of the public accounting firm Grant Thornton. He is known for taking complex ideas and making them easy to understand. Frequently speaking to groups and individuals on estate and business planning, he brings a conversational style that helps to clarify the complex nature of these topics.
Mark received a Bachelor of Science degree from St. John’s University in Collegeville MN, received his JD degree Cum Laude from the University of Minnesota and his CPA license while working at Grant Thornton. He holds a Series 7, 24 and 63 securities licenses. He currently lives in Richmond Virginia with his wife and occasionally one of their 6 children.
Most recently, Mark worked with New York Life in their Advanced Planning Group working with agents and their UHNW clients advising them on estate and legacy planning, business buy sell planning, and succession planning. Prior to New York Life, Mark held similar Advanced Planning Consulting roles in several National financial organizations. He originally started his career in the financial services industry in the tax department of the public accounting firm Grant Thornton. He is known for taking complex ideas and making them easy to understand. Frequently speaking to groups and individuals on estate and business planning, he brings a conversational style that helps to clarify the complex nature of these topics.
Mark received a Bachelor of Science degree from St. John’s University in Collegeville MN, received his JD degree Cum Laude from the University of Minnesota and his CPA license while working at Grant Thornton. He holds a Series 7, 24 and 63 securities licenses. He currently lives in Richmond Virginia with his wife and occasionally one of their 6 children.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact Kevin M. Pilarski today.
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.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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 offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
6Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
7Morgan 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
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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 offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
6Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
7Morgan 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
CRC 6491812 (04/2024)
