Kristen Fricks-Roman, CFP®, CRPS®
Senior Vice President,
Financial Advisor,
Family Wealth Advisor
Direct:
(404) 459-3812(404) 459-3812
Toll-Free:
(800) 825-7171(800) 825-7171
My Mission Statement
Building generational wealth through custom financial planning and world class investment management.
My Story
I strongly believe that every person has a right to be financially educated and I am passionate about engaging people in regards to their financial well-being
I work with people who have arrived at a certain level of financial security in their life. They are well situated, but are spending too much time caring for the assets they now have. Wealth tends to bring complexity. One of my goals is simplifying and streamlining complex financial matters for you. I have gone the extra mile to earn some of the industry’s most advanced designations, which gives me many more tools with which to address your unique issues.
I received my bachelor of science degree from the University of Missouri-Columbia’s College of Education. That passion for teaching has continued to serve me and my clients throughout my successful career as a Financial Advisor. I often speak to groups about a myriad of financial topics: Retirement, funding for children and grandchildren’s education, educating the next generation about financial values and helping ensure that the money you leave behind can accomplish your wishes. I help you hone in on the purposes of your money – and then we design a custom plan that strives to meet those objectives. The plan is totally tailored to you – not because of your age or gender – but because of your unique values and the goals you want to accomplish with your money.
I work with people who have arrived at a certain level of financial security in their life. They are well situated, but are spending too much time caring for the assets they now have. Wealth tends to bring complexity. One of my goals is simplifying and streamlining complex financial matters for you. I have gone the extra mile to earn some of the industry’s most advanced designations, which gives me many more tools with which to address your unique issues.
I received my bachelor of science degree from the University of Missouri-Columbia’s College of Education. That passion for teaching has continued to serve me and my clients throughout my successful career as a Financial Advisor. I often speak to groups about a myriad of financial topics: Retirement, funding for children and grandchildren’s education, educating the next generation about financial values and helping ensure that the money you leave behind can accomplish your wishes. I help you hone in on the purposes of your money – and then we design a custom plan that strives to meet those objectives. The plan is totally tailored to you – not because of your age or gender – but because of your unique values and the goals you want to accomplish with your money.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Asset Management
- Retirement PlanningFootnote3
- Planning for Education FundingFootnote4
- Cash ManagementFootnote5
- 401(k) Rollovers
- Planning for Individuals with Special Needs
- Municipal BondsFootnote6
- Certificates of DepositFootnote7
- Life InsuranceFootnote8
- Executive Financial ServicesFootnote9
- Long Term Care InsuranceFootnote10
- AnnuitiesFootnote11
Securities Agent: OH, CA, NC, GA, TX, TN, CT, AL, SC, NY, DC, OR, MI, FL, LA, VA, WY, OK, AZ, IL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1279347
CA Insurance License #: 4057176
NMLS#: 1279347
CA Insurance License #: 4057176
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Credentials matter. In the financial services industry, advanced designations demonstrate a deep level of knowledge, a commitment to best practices, and years of practical experience applying this knowledge on behalf of clients. I am proud to have earned the following designations and put them to good use on your behalf.
CFP® (CERTIFIED FINANCIAL PLANNER™). The rigorous accreditation process requires CFP® practitioners to act in their clients’ best interests, using in-depth knowledge of the financial planning process, tax planning, retirement planning, and estate planning strategies.
CRPS® (Chartered Retirement Plans SpecialistSM). This premier retirement plan designation indicates mastery in designing, installing, and maintaining company retirement plans.
Family Wealth Advisor. This designation indicates knowledge of estate planning strategies from the family perspective, families and philanthropy, and family enterprises, as well as demonstrated ability to have effective conversations that help families understand and transition wealth from one generation to another. In addition, it allows our clients unparalleled access to Morgan Stanley’s exclusive wealth advisory services and investment opportunities reserved for the more substantial and sophisticated high net worth and institutional clients.
AWARDS:
2012-2023 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2012-2023) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2012 Award - 2/4/12 - 7/22/12
2013 Award - 2/4/13 - 7/22/13
2014 Award - 2/4/14 - 7/22/14
2015 Award - 2/4/15 - 7/22/15
2016 Award - 2/4/16 - 7/22/16
2017 Award - 12/20/16 - 7/4/17
2018 Award - 12/29/17 - 7/24/18
2019 Award - 12/10/28 - 7/23/19
2020 Award - 12/23/19 - 6/25/21
2021 Award - 11/30/20 - 6/25/21
2022 Award - 12/31/21 - 6/10/22
2023 Award - 11/14/22 - 5/31/23
CFP® (CERTIFIED FINANCIAL PLANNER™). The rigorous accreditation process requires CFP® practitioners to act in their clients’ best interests, using in-depth knowledge of the financial planning process, tax planning, retirement planning, and estate planning strategies.
CRPS® (Chartered Retirement Plans SpecialistSM). This premier retirement plan designation indicates mastery in designing, installing, and maintaining company retirement plans.
Family Wealth Advisor. This designation indicates knowledge of estate planning strategies from the family perspective, families and philanthropy, and family enterprises, as well as demonstrated ability to have effective conversations that help families understand and transition wealth from one generation to another. In addition, it allows our clients unparalleled access to Morgan Stanley’s exclusive wealth advisory services and investment opportunities reserved for the more substantial and sophisticated high net worth and institutional clients.
AWARDS:
2012-2023 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2012-2023) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2012 Award - 2/4/12 - 7/22/12
2013 Award - 2/4/13 - 7/22/13
2014 Award - 2/4/14 - 7/22/14
2015 Award - 2/4/15 - 7/22/15
2016 Award - 2/4/16 - 7/22/16
2017 Award - 12/20/16 - 7/4/17
2018 Award - 12/29/17 - 7/24/18
2019 Award - 12/10/28 - 7/23/19
2020 Award - 12/23/19 - 6/25/21
2021 Award - 11/30/20 - 6/25/21
2022 Award - 12/31/21 - 6/10/22
2023 Award - 11/14/22 - 5/31/23
As your Financial Advisor, I want to make sure that if you are working at the age of 62, it’s because you want to, not because you have to. The plan we create together will help you to retire at your own discretion, rather than someone else’s.
I am uniquely qualified to help individuals and companies with their retirement plans. As a CERTIFIED FINANCIAL PLANNER, my role is to help you navigate through the three distinct stages of retirement in a way that makes sense for you:
1. Growing your wealth to fund your future goals
2. Ensuring a smooth transition to retirement
3. Maintaining your chosen lifestyle throughout your life
I am also credentialed to help companies design, install and maintain their retirement plans. As a Chartered Retirement Plans SpecialistSM, I hold the nation’s premier credential focusing on retirement plan administration. I am skilled at analyzing laws, rules and regulations and understanding how they apply to my corporate retirement clients’ 401(k) and deferred compensation plans.
Successful retirement planning takes focus and planning. The challenge we all face with retirement is having enough resources so that our lives in retirement years will not be diminished.
I am uniquely qualified to help individuals and companies with their retirement plans. As a CERTIFIED FINANCIAL PLANNER, my role is to help you navigate through the three distinct stages of retirement in a way that makes sense for you:
1. Growing your wealth to fund your future goals
2. Ensuring a smooth transition to retirement
3. Maintaining your chosen lifestyle throughout your life
I am also credentialed to help companies design, install and maintain their retirement plans. As a Chartered Retirement Plans SpecialistSM, I hold the nation’s premier credential focusing on retirement plan administration. I am skilled at analyzing laws, rules and regulations and understanding how they apply to my corporate retirement clients’ 401(k) and deferred compensation plans.
Successful retirement planning takes focus and planning. The challenge we all face with retirement is having enough resources so that our lives in retirement years will not be diminished.
Planning for your “what ifs” is one of the most important things we can do together. As someone who’s seen firsthand the myriad challenges clients encounter, I understand the vital importance of strategizing for the times when life pitches a curveball at us.
Although “what if” planning can seem daunting, in actuality it provides you with a sense of confidence. There is a plan in place for when that nighttime worry turns into a reality. Together, we’ll talk about your concerns and plan for them so they don’t knock you off course. Some of the situations that my clients have planned for include:
•What if my child can’t make it on their own?
•What if I become the caregiver for my parents?
•What if I lose a spouse early in life?
•What if I or a family member has significant health challenges?
•What if I need long-term care?
•What if I have to settle an estate where there’s no will?
•What if I or my spouse lose a job?
My deep knowledge and personal experience with many “what ifs” can help you plan for the potential impact without sacrificing your goals.
Although “what if” planning can seem daunting, in actuality it provides you with a sense of confidence. There is a plan in place for when that nighttime worry turns into a reality. Together, we’ll talk about your concerns and plan for them so they don’t knock you off course. Some of the situations that my clients have planned for include:
•What if my child can’t make it on their own?
•What if I become the caregiver for my parents?
•What if I lose a spouse early in life?
•What if I or a family member has significant health challenges?
•What if I need long-term care?
•What if I have to settle an estate where there’s no will?
•What if I or my spouse lose a job?
My deep knowledge and personal experience with many “what ifs” can help you plan for the potential impact without sacrificing your goals.
Location
5565 Glenridge Conn
Suite 1900
Atlanta, GA 30342
US
Direct:
(404) 459-3812(404) 459-3812
Toll-Free:
(800) 825-7171(800) 825-7171
Fax:
(404) 935-9797(404) 935-9797
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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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
Article Image
Ready to start a conversation? Contact Kristen Fricks-Roman 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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
5Morgan 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
6Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
7Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley 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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
5Morgan 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
6Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
7Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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)
