Kevin Kielt, CFP®
Financial Advisor, Senior Vice President, Wealth Management, Workplace Advisor - Equity Compensation
Phone:
(617) 570-2901(617) 570-2901
Kielt Ullo Schaeffer & Associates at Morgan Stanley
Direct:
(617) 570-2904(617) 570-2904
Our Mission Statement
Working with you to preserve and grow wealth for your long-term goals.
Our Story and Services
Kielt Ullo Schaeffer & Associates works closely with successful families, business owners, and corporate executives to help take steps needed to achieve the goals that matter most to them.
We always start by listening. Our process begins with understanding your goals and objectives. We work with you to develop a personalized financial strategy and then continue the conversation with regular reviews and updates. As you experience inevitable changes to your circumstance, we strive to maintain the flexibility needed to adapt your plan accordingly.
Through our experience, we have encountered many complicated, unique circumstances. As a team of 6 members, we strive to help add simplicity and transparency to the complexities of your financial life with exceptional client care and service.
How We Can Help
Workplace Advisor - Equity Compensation
Owning equity in the company you work for makes you more than an employee, it makes you a shareholder. Our clients understand that decisions they make around company stock and options are some of the most consequential they'll face in their financial life. We are part of a small group of Morgan Stanley advisors that have earned the designation of Workplace Advisor - Equity Compensation.
Our team has the experience, resources, and skills to help clients with high concentrations of wealth, especially with in-depth planning around 10b5-1 plans. After understanding your specific situation, we work with you on how to unite your equity compensation plan with your overall financial roadmap. Contact us here directly with the button above to start the conversation.
We always start by listening. Our process begins with understanding your goals and objectives. We work with you to develop a personalized financial strategy and then continue the conversation with regular reviews and updates. As you experience inevitable changes to your circumstance, we strive to maintain the flexibility needed to adapt your plan accordingly.
Through our experience, we have encountered many complicated, unique circumstances. As a team of 6 members, we strive to help add simplicity and transparency to the complexities of your financial life with exceptional client care and service.
How We Can Help
Workplace Advisor - Equity Compensation
Owning equity in the company you work for makes you more than an employee, it makes you a shareholder. Our clients understand that decisions they make around company stock and options are some of the most consequential they'll face in their financial life. We are part of a small group of Morgan Stanley advisors that have earned the designation of Workplace Advisor - Equity Compensation.
Our team has the experience, resources, and skills to help clients with high concentrations of wealth, especially with in-depth planning around 10b5-1 plans. After understanding your specific situation, we work with you on how to unite your equity compensation plan with your overall financial roadmap. Contact us here directly with the button above to start the conversation.
ADDING SIMPLICITY TO YOUR COMPLEX BENEFIT STRUCTURE
- Decisions you make around company stock and options may be among the most consequential in your life. We’re here to help you make sense of the complexity. Some questions you may have considered: • How well do I understand my equity compensation? Have I considered any strategies to maximize its value? • Should I be making different choices from my colleagues based on my specific situation and needs? • When the time comes to part ways with my company, how should I plan for that transition?
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Approach
As Certified Financial Planners (CFP) our group focuses on providing comprehensive wealth management and financial planning services to a select group of clients based in both New England and across the country. Our holistic approach to the planning process incorporates all aspects of your financial life to truly understand the best way to make your assets work for you.
Our process begins with you, your investment objectives, and your financial goals. We start by taking the time to ask hard questions and to listen carefully, then to understand exactly where your wealth stands today and where you’d like it to be tomorrow. Holistic in its approach, it may encompass all the elements of your financial life – your investments and your cash management needs – seeking to make sure they align with your goals and financial plan.
As your dedicated wealth management team, our role is to tailor a personalized financial strategy which fits your needs. In our experience, we have developed a step-by-step approach to service.
Our process begins with you, your investment objectives, and your financial goals. We start by taking the time to ask hard questions and to listen carefully, then to understand exactly where your wealth stands today and where you’d like it to be tomorrow. Holistic in its approach, it may encompass all the elements of your financial life – your investments and your cash management needs – seeking to make sure they align with your goals and financial plan.
As your dedicated wealth management team, our role is to tailor a personalized financial strategy which fits your needs. In our experience, we have developed a step-by-step approach to service.
Step 1: Discovery Process
We take the time to fully understand you and your family - whether you're planning for retirement, purchasing a new home, or living out your golden years - we consider all of your challenges, goals, and aspirations when building your financial picture.
Step 2: Forming Your Strategy
Using your life goals as our compass, we create a risk-balanced strategy which maps a clear path to achieving your success.
Step 3: Implementing Your Plan
We apply extensive research and analysis, and utilize Morgan Stanley's full suite of resources, to ensure swift decisive action in various market scenarios.
Step 4: Measuring Your Success
We check in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards or away from your goals. Our ultimate mission is your success and well-being.
Kevin Kielt, CFP®
You can't feel good about your finances unless you know exactly where you are, where you want to go, and how much you may need to get there. I became a CERTIFIED FINANCIAL PLANNER™ practitioner because I want to help simplify the complexity in my client's financial lives and remove their stress caused by money. When you succeed, I succeed.
As a founding member of the Kielt Ullo Schaeffer & Associates at Morgan Stanley, I believe there is a big difference between investing and planning. Clients at various stages in their lives count on us to help them find ways to pursue their financial and life goals, including:
• Work optional retirement
• Education planning for children & grandchildren
• Wealth transfer to the next generation
• Establishment of their legacy through family foundations and philanthropy
• Concentrated stock management
I graduated from Boston University with a Bachelor's degree in Business Administration. During my years at BU, I was a member of the Division 1 Men's Ice Hockey team, and remain an active participant within with BU community, specifically within the athletic department and alumni relations. Currently I live in Lynnfield with my wife Angie, sons Landon and Brayden and daughter Kensie.
As a founding member of the Kielt Ullo Schaeffer & Associates at Morgan Stanley, I believe there is a big difference between investing and planning. Clients at various stages in their lives count on us to help them find ways to pursue their financial and life goals, including:
• Work optional retirement
• Education planning for children & grandchildren
• Wealth transfer to the next generation
• Establishment of their legacy through family foundations and philanthropy
• Concentrated stock management
I graduated from Boston University with a Bachelor's degree in Business Administration. During my years at BU, I was a member of the Division 1 Men's Ice Hockey team, and remain an active participant within with BU community, specifically within the athletic department and alumni relations. Currently I live in Lynnfield with my wife Angie, sons Landon and Brayden and daughter Kensie.
Anthony Ullo, CFP®, CRPC®
I am a founding member of Kielt Ullo Schaeffer & Associates. Working within Morgan Stanley Wealth Management supports our commitment to providing clients with both the premier service similar to a boutique-like office and the intellectual capital and resources of a global financial services firm. Our objective is to be the primary source for financial advice and guidance. We want clients to value the dedication and diligence we provide at each step of the wealth management process.
I'm a graduate of the Manning School of Business at the University of Massachusetts Lowell, where I captained the Division II Men's Golf team, and remain active in the UML community. When I'm not in the office I enjoy golfing, skiing and spending time with family and friends. I also live in Acton with my wife Erica.
I'm a graduate of the Manning School of Business at the University of Massachusetts Lowell, where I captained the Division II Men's Golf team, and remain active in the UML community. When I'm not in the office I enjoy golfing, skiing and spending time with family and friends. I also live in Acton with my wife Erica.
Kevin Schaeffer, CFP®
My goal is to help clients pursue their objectives with simplicity and transparency. One of the most valuable things I can do for clients is to help them map out their goals through a written framework that is tangible and revisited regularly. Throughout this process is a passion to provide an exceptional level of client care and service.
Working within Morgan Stanley Wealth Management supports our commitment to providing clients with both the premier service similar to a boutique-like office and the intellectual capital and resources of a global financial services firm. Our objective is to be the primary source for financial advice and guidance. We want clients to value the dedication and diligence we provide at each step of the wealth management process.
We advise and guide clients in multiple areas of wealth management, including: retirement income planning, investment management, estate planning strategies, as well as Cash Management and Lending Solutions through Morgan Stanley Private Bank. Our team also brings experienced strengths in the area of equity compensation, including stock option and restricted stock strategy and analysis, 10b5-1 trading plans and concentrated stock management.
I attended Boston University, where I was a member of the Men's Ice Hockey Team. While in school, I was fortunate enough to be selected by the Nashville Predators in the 2004 NHL Entry Draft. Upon graduation, I was able to enjoy a four year professional hockey career before moving into the financial services industry. Currently residing in Charlestown, MA, I remain active within the BU Hockey community and various philanthropic efforts. Outside of the office, I enjoy being active, and spending time with family and friends.
Working within Morgan Stanley Wealth Management supports our commitment to providing clients with both the premier service similar to a boutique-like office and the intellectual capital and resources of a global financial services firm. Our objective is to be the primary source for financial advice and guidance. We want clients to value the dedication and diligence we provide at each step of the wealth management process.
We advise and guide clients in multiple areas of wealth management, including: retirement income planning, investment management, estate planning strategies, as well as Cash Management and Lending Solutions through Morgan Stanley Private Bank. Our team also brings experienced strengths in the area of equity compensation, including stock option and restricted stock strategy and analysis, 10b5-1 trading plans and concentrated stock management.
I attended Boston University, where I was a member of the Men's Ice Hockey Team. While in school, I was fortunate enough to be selected by the Nashville Predators in the 2004 NHL Entry Draft. Upon graduation, I was able to enjoy a four year professional hockey career before moving into the financial services industry. Currently residing in Charlestown, MA, I remain active within the BU Hockey community and various philanthropic efforts. Outside of the office, I enjoy being active, and spending time with family and friends.
Anne McLister
Experienced Wealth Management Associate with a demonstrated history of working in the financial services industry. Strong operations professional skilled in Securities, Asset Management, Equities, Mutual Funds, and Management
Justin Dernoga
Justin is our newest team member joining as a Registered Client Service Associate! Justin completed his studies at Providence College in May 2023, where he earned a degree in finance and theology. While at school, he developed a special interest in financial planning and management services. Post graduation he obtained his industry licenses and spent time at Merrill Lynch as a Summer Analyst and Financial Solutions Advisor. He now looks forward to making an impact at Morgan Stanley and helping the team work with clients to help build confidence.
Designations & Accolades
Kielt Ullo Schaeffer & Associates Named to Forbes Best-In-State Wealth Management Teams 2023
Forbes America’s Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
Kevin Kielt Named to Forbes Best-In-State Next-Generation Wealth Advisors 2022
Forbes Best-In-State Next-Generation Wealth Advisors 2022
Source: Forbes.com (Awarded Aug 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
Source: Forbes.com (Awarded Aug 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
CERTIFIED FINANCIAL PLANNER® (Kevin Kielt, Anthony Ullo, Kevin Schaeffer)
Individuals certified by the CFP® Board have taken the extra step to demonstrate commitment and professionalism by voluntarily submitting to the rigorous CFP® certification process that includes demanding education, examination, experience, and ethical requirements
Chartered Retirement Planning Counselor® (Anthony Ullo)
The CRPC® is a professional designation awarded to advisors that successfully demonstrate proficiency on retirement planning for individuals, especially in areas of pre- and post-retirement needs, as well as issues related to asset management and estate planning.
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Morgan Stanley Portfolio InsightsLocation
28 State Street
Fl
Boston, MA 02109
US
Direct:
(617) 570-2904(617) 570-2904
Meet Kielt Ullo Schaeffer & Associates
Anthony Ullo, CFP®, CRPC®
Financial Advisor, Senior Vice President, Wealth Management, Portfolio Manager, Workplace Advisor - Equity Compensation
Phone:
(617) 570-2902(617) 570-2902
Kevin Schaeffer, CFP®
Financial Advisor, Vice President, Wealth Management, Workplace Advisor - Equity Compensation
Phone:
(617) 570-2903(617) 570-2903
Anne McLister
Assistant Vice President, Business Development Director
Phone:
(617) 570-2904(617) 570-2904
Justin Dernoga
Registered Client Service Associate
Phone:
(617) 570-2905(617) 570-2905
Mackenzie Howe
Registered Client Service Associate
Phone:
(617) 570-2906(617) 570-2906
About Me
You can't feel good about your finances unless you know exactly where you are, where you want to go, and how much you may need to get there. I became a CERTIFIED FINANCIAL PLANNER™ practitioner because I want to help simplify the complexity in my client's financial lives and remove their stress caused by money. When you succeed, I succeed.
As a founding member of the Kielt Ullo Schaeffer & Associates at Morgan Stanley, I believe there is a big difference between investing and planning. Clients at various stages in their lives count on us to help them find ways to pursue their financial and life goals, including:
• Work optional retirement
• Education planning for children & grandchildren
• Wealth transfer to the next generation
• Establishment of their legacy through family foundations and philanthropy
• Concentrated stock management
I graduated from Boston University with a Bachelor's degree in Business Administration. During my years at BU, I was a member of the Division 1 Men's Ice Hockey team, and remain an active participant within with BU community, specifically within the athletic department and alumni relations. Currently I live in Lynnfield with my wife Angie, sons Landon and Brayden and daughter Kensie.
As a founding member of the Kielt Ullo Schaeffer & Associates at Morgan Stanley, I believe there is a big difference between investing and planning. Clients at various stages in their lives count on us to help them find ways to pursue their financial and life goals, including:
• Work optional retirement
• Education planning for children & grandchildren
• Wealth transfer to the next generation
• Establishment of their legacy through family foundations and philanthropy
• Concentrated stock management
I graduated from Boston University with a Bachelor's degree in Business Administration. During my years at BU, I was a member of the Division 1 Men's Ice Hockey team, and remain an active participant within with BU community, specifically within the athletic department and alumni relations. Currently I live in Lynnfield with my wife Angie, sons Landon and Brayden and daughter Kensie.
Securities Agent: CO, SC, PA, AZ, OR, NE, MN, IN, GA, OH, NY, AL, TN, RI, NJ, WA, MI, MD, IL, MA, CA, VA, TX, NM, NC, MO, HI, DC, WI, NH, VT, MS, CT, ME, IA, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 652377
NMLS#: 652377
About Me
I am a founding member of Kielt Ullo Schaeffer & Associates. Working within Morgan Stanley Wealth Management supports our commitment to providing clients with both the premier service similar to a boutique-like office and the intellectual capital and resources of a global financial services firm. Our objective is to be the primary source for financial advice and guidance. We want clients to value the dedication and diligence we provide at each step of the wealth management process.
I'm a graduate of the Manning School of Business at the University of Massachusetts Lowell, where I captained the Division II Men's Golf team, and remain active in the UML community. When I'm not in the office I enjoy golfing, skiing and spending time with family and friends. I also live in Acton with my wife Erica.
I'm a graduate of the Manning School of Business at the University of Massachusetts Lowell, where I captained the Division II Men's Golf team, and remain active in the UML community. When I'm not in the office I enjoy golfing, skiing and spending time with family and friends. I also live in Acton with my wife Erica.
Securities Agent: WA, CT, AL, TN, SC, OR, OH, MN, VA, PA, NM, NC, HI, GA, FL, CO, NJ, IL, TX, MI, IN, CA, WI, RI, DC, NH, MO, NE, MA, ME, MD, AZ, VT, NY, MS; General Securities Representative; Investment Advisor Representative
NMLS#: 885960
NMLS#: 885960
About Me
My goal is to help clients pursue their objectives with simplicity and transparency. One of the most valuable things I can do for clients is to help them map out their goals through a written framework that is tangible and revisited regularly. Throughout this process is a passion to provide an exceptional level of client care and service.
Working within Morgan Stanley Wealth Management supports our commitment to providing clients with both the premier service similar to a boutique-like office and the intellectual capital and resources of a global financial services firm. Our objective is to be the primary source for financial advice and guidance. We want clients to value the dedication and diligence we provide at each step of the wealth management process.
We advise and guide clients in multiple areas of wealth management, including: retirement income planning, investment management, estate planning strategies, as well as Cash Management and Lending Solutions through Morgan Stanley Private Bank. Our team also brings experienced strengths in the area of equity compensation, including stock option and restricted stock strategy and analysis, 10b5-1 trading plans and concentrated stock management.
I attended Boston University, where I was a member of the Men's Ice Hockey Team. While in school, I was fortunate enough to be selected by the Nashville Predators in the 2004 NHL Entry Draft. Upon graduation, I was able to enjoy a four year professional hockey career before moving into the financial services industry. Currently residing in Charlestown, MA, I remain active within the BU Hockey community and various philanthropic efforts. Outside of the office, I enjoy being active, and spending time with family and friends.
Working within Morgan Stanley Wealth Management supports our commitment to providing clients with both the premier service similar to a boutique-like office and the intellectual capital and resources of a global financial services firm. Our objective is to be the primary source for financial advice and guidance. We want clients to value the dedication and diligence we provide at each step of the wealth management process.
We advise and guide clients in multiple areas of wealth management, including: retirement income planning, investment management, estate planning strategies, as well as Cash Management and Lending Solutions through Morgan Stanley Private Bank. Our team also brings experienced strengths in the area of equity compensation, including stock option and restricted stock strategy and analysis, 10b5-1 trading plans and concentrated stock management.
I attended Boston University, where I was a member of the Men's Ice Hockey Team. While in school, I was fortunate enough to be selected by the Nashville Predators in the 2004 NHL Entry Draft. Upon graduation, I was able to enjoy a four year professional hockey career before moving into the financial services industry. Currently residing in Charlestown, MA, I remain active within the BU Hockey community and various philanthropic efforts. Outside of the office, I enjoy being active, and spending time with family and friends.
Securities Agent: IL, FL, CT, IA, CO, TX, OH, ME, IN, PA, NJ, NH, MA, GA, OR, MI, AL, NY, MS, SC, NC, CA, WI, VA, NE, HI, DC, AZ, WA, VT, RI, NM, MD, TN, MO, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 1635888
NMLS#: 1635888
Contact Kevin Kielt
Contact Anthony Ullo
Contact Kevin Schaeffer
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
Van Liao, CFP®
Financial Planning Director, Vice President
About Van Liao
Van Liao is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Boston, MA. She is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Van began his career in financial services in 2006 and joined Morgan Stanley in 2022. Prior to her current position, she was the Sr. Financial Planning Consulting at Citizens Securities, Inc., working closely with financial advisors and their clients on achieving financial success through a holistic approach of financial planning. Before joining Citizens Securities, Inc., Van was with LPL Financial as a Sr. Financial Planning Consultant, where she coached over 3,800 advisors to create comprehensive, client-focused financial plans. Van also spent about 6 years at Wells Fargo Family Wealth, where she collaborated with financial advisors and investment professionals to provide specialized advisory services to high and ultra-high net worth families and business owners.
Van graduated from Clark University with a B.A. in Business Management and M.S. in Finance. She also holds her Certified Financial Planner®. Van is an active member of the Financial Planning Association of New England. She dedicates her time and effort to promoting the planning profession, empowering financial literacy, and building a strong professional community. Van also serves on the Women's Initiative Committee and the DEI Committee and is an active advocate for women and minorities.
Van is of Chinese descent and was born and raised in Ho Chi Minh City, Vietnam. She speaks fluent Vietnamese and Chinese (both Cantonese and Mandarin). Van believes her multi-cultural background has enriched her life in so many ways, personally and professionally.
Van resides in Quincy, MA, with her family, including her husband, her two boys, and a beautiful Siamese cat, Yoyo. Outside of work, Van enjoys traveling, cooking, and spending precious times with her boys.
Van began his career in financial services in 2006 and joined Morgan Stanley in 2022. Prior to her current position, she was the Sr. Financial Planning Consulting at Citizens Securities, Inc., working closely with financial advisors and their clients on achieving financial success through a holistic approach of financial planning. Before joining Citizens Securities, Inc., Van was with LPL Financial as a Sr. Financial Planning Consultant, where she coached over 3,800 advisors to create comprehensive, client-focused financial plans. Van also spent about 6 years at Wells Fargo Family Wealth, where she collaborated with financial advisors and investment professionals to provide specialized advisory services to high and ultra-high net worth families and business owners.
Van graduated from Clark University with a B.A. in Business Management and M.S. in Finance. She also holds her Certified Financial Planner®. Van is an active member of the Financial Planning Association of New England. She dedicates her time and effort to promoting the planning profession, empowering financial literacy, and building a strong professional community. Van also serves on the Women's Initiative Committee and the DEI Committee and is an active advocate for women and minorities.
Van is of Chinese descent and was born and raised in Ho Chi Minh City, Vietnam. She speaks fluent Vietnamese and Chinese (both Cantonese and Mandarin). Van believes her multi-cultural background has enriched her life in so many ways, personally and professionally.
Van resides in Quincy, MA, with her family, including her husband, her two boys, and a beautiful Siamese cat, Yoyo. Outside of work, Van enjoys traveling, cooking, and spending precious times with her boys.
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
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- Traditional Investments
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- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
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- 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
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Financial Planning for Life After Selling a Business
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Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
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- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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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 Kielt Ullo Schaeffer & Associates 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
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 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.
7Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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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.
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*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.
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Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
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 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.
7Products 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.
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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:
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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.
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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)
