Charles Natt, CFP®
Executive Director, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(212) 649-8618(212) 649-8618
KPMG Solutions By The Carrier Group at Morgan Stanley
Our Mission Statement
Customizing coverage to your needs, we craft comprehensive plans to pursue your objectives and provide clear and transparent reports on your progress
Our Story and Services
We are a dedicated team of experienced investing and planning professionals who work with a highly accomplished group of families, individuals, and a small number of institutions. Our clients tend to have complex balance sheets that call for integrated solutions across multiple wealth management disciplines. To address those needs, we customize every aspect of each relationship, not only crafting personalized investment strategies but also assembling a coverage team based on their specific requirements. Combining our talents with the vast global resources of Morgan Stanley, we can then provide access to whatever capabilities are needed to help our clients clearly define and strategically pursue their goals.
Should you choose to work with us, our team will work to bring clarity and control to your financial life. We will go to great lengths to understand your needs and preferences, and report on your progress toward your goals with uncommon transparency and detail. We will coordinate our efforts with your tax and legal advisors to deliver cohesive solutions to address your financial priorities. We will help you make well-informed decisions and put them into action.
We look forward to discussing the goals you have established for yourself and your family and how we can help you reach them.
Should you choose to work with us, our team will work to bring clarity and control to your financial life. We will go to great lengths to understand your needs and preferences, and report on your progress toward your goals with uncommon transparency and detail. We will coordinate our efforts with your tax and legal advisors to deliver cohesive solutions to address your financial priorities. We will help you make well-informed decisions and put them into action.
We look forward to discussing the goals you have established for yourself and your family and how we can help you reach them.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
OUR UNIQUE APPROACH
Discovery
We begin with an uncommonly detailed discovery process, seeking to gain an in-depth understanding of your current financial situation, greater life goals, and your past behavioral tendencies toward investing. We learn about your assets, liabilities and risk exposures; evaluate trust and estate plans; discuss plans for your business and/or career and explore any other issues that impact your financial life.
Coverage Customization
Working to help you create and implement a truly comprehensive wealth plan, we assemble a team of professionals best suited to support your needs. Led by your Private Wealth Advisor, this team may include specialists from across Morgan Stanley’s wealth management and institutional divisions, as well your attorney, CPA and other advisors.
Reporting & Review
Working to deliver full transparency, we provide clear and detailed reports on the performance of your investment portfolios and the progress of your financial plans. These reports are part of a larger review process to ensure that your strategy adapts to changing financial and family needs.
Location
55 East 52nd Street 10th
Fl
New York, NY 10055
US
Direct:
(212) 649-8611(212) 649-8611
Meet KPMG Solutions By The Carrier Group
Phone:
(212) 903-7729(212) 903-7729
Phone:
(212) 883-7703(212) 883-7703
William Gambrill
Executive Director, Financial Advisor, Family Wealth Director, International Client Advisor
Phone:
(212) 883-8506(212) 883-8506
Jack Topham
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(212) 649-8611(212) 649-8611
Brian Malloy
First Vice President, Director of Business Strategy
Phone:
(212) 883-8509(212) 883-8509
Norine Strazza
Senior Registered Associate, Financial Planning Associate
Phone:
(212) 883-8508(212) 883-8508
Kevin Massa
Registered Associate
Phone:
(212) 883-8589(212) 883-8589
Kate Hudson
Registered Associate
Phone:
(212) 883-8510(212) 883-8510
About Charles Natt
Drawing on over 16 years of wealth management experience, Charles Natt works closely with affluent families and individuals to craft highly customized wealth management plans. Charles also plays a key role in the team’s business development efforts.
A CERTIFIED FINANCIAL PLANNER™ (CFP®), Charles joined Morgan Stanley in 2005. He had previously served as a Financial Advisor at Oppenheimer & Company for two years.
Charles graduated from the State University of New York in Albany with a degree in clinical psychology. He lives in Hoboken, New Jersey with his wife Karen, and two children, Ari and Isaac. He is an active member of his synagogue and the greater community.
A CERTIFIED FINANCIAL PLANNER™ (CFP®), Charles joined Morgan Stanley in 2005. He had previously served as a Financial Advisor at Oppenheimer & Company for two years.
Charles graduated from the State University of New York in Albany with a degree in clinical psychology. He lives in Hoboken, New Jersey with his wife Karen, and two children, Ari and Isaac. He is an active member of his synagogue and the greater community.
Securities Agent: WI, WV, WY, PR, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278587
NMLS#: 1278587
About Adam Lang
A CERTIFIED FINANCIAL PLANNERTM (CFP®), Adam Lang brings 15 years of experience to the service of the team’s clients. His primary focus is on wealth planning strategies across three planning verticals:
• Retirement strategies from cash flow optimization to structured solutions, including self-funded pensions
• Intergenerational wealth transfers that leverage insurance and trust vehicles
• Charitable giving strategies that seek to both help define a client’s legacy and enhance tax outcomes
Adam was named to the 2018- 2021 Forbes’ Top Next-Generation Wealth Advisors and in Best in State Wealth Advisors list in 2022. Prior to joining Morgan Stanley in 2007, Adam worked at both JPMorgan and Smith Barney.
Adam volunteers with iMentor, a nonprofit organization that seeks to empower high school students to raise and achieve their ambitions. In his free time, Adam enjoys spending time with his family, playing golf and traveling. He resides in Boca Raton, FL with his wife, Amy, and two children, Ryan and Emma.
2018-2021 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com 2018-2021. Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
• Retirement strategies from cash flow optimization to structured solutions, including self-funded pensions
• Intergenerational wealth transfers that leverage insurance and trust vehicles
• Charitable giving strategies that seek to both help define a client’s legacy and enhance tax outcomes
Adam was named to the 2018- 2021 Forbes’ Top Next-Generation Wealth Advisors and in Best in State Wealth Advisors list in 2022. Prior to joining Morgan Stanley in 2007, Adam worked at both JPMorgan and Smith Barney.
Adam volunteers with iMentor, a nonprofit organization that seeks to empower high school students to raise and achieve their ambitions. In his free time, Adam enjoys spending time with his family, playing golf and traveling. He resides in Boca Raton, FL with his wife, Amy, and two children, Ryan and Emma.
2018-2021 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com 2018-2021. Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Securities Agent: SD, DE, GA, SC, MT, NJ, CA, HI, WI, MD, NE, MS, NY, MI, MA, WY, VT, AL, ME, KY, OK, MN, VI, NC, MO, ND, AR, CO, FL, IN, KS, PR, VA, IA, PA, TN, DC, UT, WA, OH, NV, RI, WV, NM, AK, TX, OR, ID, NH, AZ, IL, CT, LA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1288152
NMLS#: 1288152
About Francesca Zavolta
As one of the few Advisors with permission to work with clients from European jurisdictions, Francesca Zavolta focuses primarily on serving nonresident clients on the U.S. platform. With over 20 years of institutional investing and private wealth experience, Francesca has a deep knowledge of the complex regulatory environment that impacts cross-border investors and is well prepared for the unique challenges of international clients from both cultural and wealth management perspectives.
Francesca started her career at JPMorgan in their Asset & Liability Group in New York. She moved to their Emerging Markets Derivative Group, and, finally, their Private Bank Special Clients Group. Prior to joining Morgan Stanley in 2013, Francesca worked at Lehman Brothers Private Investment Management Group and Barclays Wealth America.
Francesca received a B.S. in economics from the College of Charleston and a master’s in international business studies from the University of South Carolina, Columbia.
She lives in Manhattan with her husband, Stuart, and son, Giacomo.
Francesca started her career at JPMorgan in their Asset & Liability Group in New York. She moved to their Emerging Markets Derivative Group, and, finally, their Private Bank Special Clients Group. Prior to joining Morgan Stanley in 2013, Francesca worked at Lehman Brothers Private Investment Management Group and Barclays Wealth America.
Francesca received a B.S. in economics from the College of Charleston and a master’s in international business studies from the University of South Carolina, Columbia.
She lives in Manhattan with her husband, Stuart, and son, Giacomo.
Securities Agent: CA, AR, HI, KS, CO, MI, ME, AZ, PR, OR, UT, VI, WI, PA, RI, SD, MD, IL, FL, DE, DC, TN, VA, MN, MS, NJ, NM, NY, MT, SC, WA, VT, GA, MA, CT, TX, NH, NE, NC, OH, NV, ID, MO, IN, OK, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 1279116
NMLS#: 1279116
About William Gambrill
Drawing on over 20 years of investment experience, William Gambrill works closely with the team’s ultra high net worth clients, both domestic and international. William focuses primarily on managing client relationships and new business development, and serves as the team specialist in insurance and lending.
William came to Morgan Stanley in 2015 after spending five years at Credit Suisse in the New York Private Banking office. Prior to Credit Suisse, William worked as an associate at Barclays Wealth, the successor firm to Lehman Brothers’ Private Investment Management business. William was named to On Wall Street's 2015 Top 40 Advisors Under 40 list
William graduated from Trinity College in 2001 with a Bachelor’s degree in history. He lives in Connecticut with his wife, Kaitlin, and four children: Lila, Jack, Cecily, and Rosie.
William came to Morgan Stanley in 2015 after spending five years at Credit Suisse in the New York Private Banking office. Prior to Credit Suisse, William worked as an associate at Barclays Wealth, the successor firm to Lehman Brothers’ Private Investment Management business. William was named to On Wall Street's 2015 Top 40 Advisors Under 40 list
William graduated from Trinity College in 2001 with a Bachelor’s degree in history. He lives in Connecticut with his wife, Kaitlin, and four children: Lila, Jack, Cecily, and Rosie.
Securities Agent: VT, WY, WV, WI, WA, VI, VA, UT, TX, TN, SD, SC, PR, PA, OR, OH, NY, NV, NJ, NH, NE, ND, NC, MT, MS, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, FL, DE, MO, DC, CT, CO, CA, AZ, AR, AL, NM, AK, RI, OK; General Securities Representative; Investment Advisor Representative
NMLS#: 1528183
NMLS#: 1528183
About Jack Topham
Jack Topham works to create and implement comprehensive wealth management solutions for highly accomplished individuals and their families. Serving as the primary contact for many relationships, Jack develops financial plans, customizes asset allocations and executes trades. He is also responsible for coordinating efforts with the other professionals, at Morgan Stanley and elsewhere, who play key roles in his clients’ financial lives.
Jack interned with The Carrier Group in 2014 while attending the Fordham University Gabelli School of Business. He joined the team full time in 2016 after graduating with a degree in applied accounting and finance with a concentration in alternative investments. In 2018 he was promoted to portfolio associate and, in 2020, to Financial Advisor.
In his free time, Jack volunteers with iMentor at a high school in the Bronx. iMentor matches students from lower-income neighborhoods with college-educated mentors to help them navigate their college journey. He also enjoys playing squash and attending live music events. Jack lives on the Upper East Side of Manhattan.
Jack interned with The Carrier Group in 2014 while attending the Fordham University Gabelli School of Business. He joined the team full time in 2016 after graduating with a degree in applied accounting and finance with a concentration in alternative investments. In 2018 he was promoted to portfolio associate and, in 2020, to Financial Advisor.
In his free time, Jack volunteers with iMentor at a high school in the Bronx. iMentor matches students from lower-income neighborhoods with college-educated mentors to help them navigate their college journey. He also enjoys playing squash and attending live music events. Jack lives on the Upper East Side of Manhattan.
Securities Agent: WV, WY, WI, VT, VI, VA, TX, TN, SD, SC, RI, PR, PA, OK, OH, NY, NM, NJ, NH, NC, MT, MO, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, IA, HI, GA, FL, DE, DC, NE, CT, CO, CA, NV, AZ, AR, AL, OR, WA, UT, AK, ID, MS, ND; General Securities Representative; Investment Advisor Representative
NMLS#: 2072979
NMLS#: 2072979
About Brian Malloy
A member of The Carrier Group since 2011, Brian Malloy supports the team’s advisors and clients in the creation and implementation of highly customized investment strategies. His responsibilities include capital markets execution, portfolio analysis, performance attribution and investment idea generation. Working closely with Josef Najar, Brian co-manages the team's proprietary corporate credit and option overlay strategies. He also plays an integral role in serving the team's institutional clients, including research coverage and arranging for management introductions.
Brian began his financial services career working with Josef Najar and William Gambrill in the Private Bank at Credit Suisse in 2011. He moved with the group to Morgan Stanley in 2015. Brian received a B.B.A. in finance from Ramapo College of New Jersey.
Brian began his financial services career working with Josef Najar and William Gambrill in the Private Bank at Credit Suisse in 2011. He moved with the group to Morgan Stanley in 2015. Brian received a B.B.A. in finance from Ramapo College of New Jersey.
Securities Agent: WY, WV, WI, VT, VI, VA, UT, TX, TN, SD, RI, PR, PA, OK, OH, NY, NM, NJ, NH, NE, ND, NC, MT, MS, MO, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, FL, DE, NV, DC, CT, CO, OR, CA, AZ, AR, SC, AL, AK, WA; General Securities Representative; Investment Advisor Representative
About Norine Strazza
Drawing on more than three decades of wealth management experience Norine Strazza contributes to an outstanding overall client service experience. Norine’s responsibilities include facilitating the opening of accounts, wire transfers and ensuring the operational end of the business runs flawlessly.
Norine began her financial career at Dean Witter Reynolds in 1980 as a receptionist. She quickly advanced through roles as wire operator, syndicate assistant and manager of the ACAT department before assuming her current position.
Norine is very active in volunteering with various charities.
Norine began her financial career at Dean Witter Reynolds in 1980 as a receptionist. She quickly advanced through roles as wire operator, syndicate assistant and manager of the ACAT department before assuming her current position.
Norine is very active in volunteering with various charities.
About Kevin Massa
Kevin Massa contributes to the team’s operational efforts, working to create an outstanding service experience for its clients. His responsibilities include the opening of accounts and handling of trades and transfers. Kevin joined Morgan Stanley in 2018 and has been a member of The Carrier Group since 2019.
Kevin graduated from Bryant University, where he was a four-year starter on the varsity lacrosse team and earned USILA First Team All-American honors. He stayed active in the sport, coaching youth lacrosse, and enjoys playing golf in his free time.
Kevin graduated from Bryant University, where he was a four-year starter on the varsity lacrosse team and earned USILA First Team All-American honors. He stayed active in the sport, coaching youth lacrosse, and enjoys playing golf in his free time.
About Kate Hudson
Working closely with the team’s advisors, Kate Hudson focuses on the daily operations of The Carrier Group and contributes to the delivery of an outstanding overall client service experience. Kate’s primary responsibilities involve performance reporting, alternative investments, and domestic and international account opening and maintenance. She also plays a key role in developing the team’s print and digital marketing materials.
Prior to joining The Carrier Group in 2021, Kate spent two years working as an associate for Morgan Stanley’s Virtual Engagement desk. The experience she gained has proven to be instrumental in assisting the team’s clients with the use of the firm’s online and mobile platforms.
Kate was born and raised in Charlotte, North Carolina and currently lives in Manhattan. She received a dual bachelor’s degree in economics and Chinese from Washington and Lee University in 2019. Outside of work, Kate enjoys reading, traveling, and spending time with her family and friends.
Prior to joining The Carrier Group in 2021, Kate spent two years working as an associate for Morgan Stanley’s Virtual Engagement desk. The experience she gained has proven to be instrumental in assisting the team’s clients with the use of the firm’s online and mobile platforms.
Kate was born and raised in Charlotte, North Carolina and currently lives in Manhattan. She received a dual bachelor’s degree in economics and Chinese from Washington and Lee University in 2019. Outside of work, Kate enjoys reading, traveling, and spending time with her family and friends.
Contact Charles Natt
Contact Adam Lang
Contact Francesca Zavolta
Contact William Gambrill
Contact Jack Topham
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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.
1When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
4Morgan 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
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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
1When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
4Morgan 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
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
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Awards Disclosures
CRC 6491812 (04/2024)
