Kyle Uthe, CFP®, CRPC®
Associate Vice President, Financial Advisor
Phone:
(858) 729-5197(858) 729-5197
Kyle Uthe, CFP®, CRPC®
Financial Advisor,
Vice President
Direct:
(858) 729-5197(858) 729-5197
My Mission Statement
Harnessing a born and bred work ethic and marshaling the vast resources of Morgan Stanley to deliver an exceptional, high-touch experience for my clients.
My Practice and Services
I believe you create your own success in life by working hard, taking calculated risks, and effectively managing those risks. I moved from a small town in Kentucky to San Diego over 10 years ago to build my future as a financial advisor and today manage wealth for small business owners and up-and-coming corporate executives who have benefited from taking similar risks in their own careers. I am committed to helping my clients preserve and grow their hard-earned wealth through concierge level service and by marshaling the vast resources and intellectual capital available at Morgan Stanley.
I started my wealth management career in 2011 at Fidelity Investments where I provided customer service and investment solutions. To work more closely with a dedicated group of clients, I relocated to an independent advisory firm in San Diego in 2013 and two years later moved on with another financial advisor to UBS. As a Senior Wealth Strategist at UBS, I managed all client relationships, provided comprehensive financial planning, and earned the CERTIFIED FINANCIAL PLANNER™ Practitioner designation. I joined Morgan Stanley Wealth Management in 2019 and have continued to build my practice by enhancing those relationships and attracting new clients through positive referrals.
As a financial advisor, I believe it is important to focus on both preserving and growing my clients’ assets as well as managing their liabilities. On the investment side, I help my clients optimize their portfolios by time segmenting their money while following the tenets of modern portfolio theory. We also pay close attention to risk and turnover to help preserve capital and manage their tax exposure. Leveraging the wide range of investment solutions and service specialists available through Morgan Stanley and working closely with my clients’ CPAs and attorneys helps me to bring confidence and clarity to their financial lives.
The "4 Key Pillars" of my practice that clients most value are:
• Trust
• Collaboration
• Responsiveness & Proactive Relationships
• Constantly Striving for Excellence to Add Value
About Me:
I am a Kentucky native who grew up on a family farm and learned the value of hard work and a debt-free lifestyle at an early age. I earned a bachelor’s degree in Finance and Accounting from Northern Kentucky University, which provided a solid foundation in financial planning that I have built upon over my career. My experience working at a high-end steakhouse in Cincinnati during college taught me the benefits of providing a high level of attention and service and has motivated me to always anticipate my clients’ needs before they ask for something. Away from work, I stay active with my dachshund, Kobe, exercising, and occasionally sneaking in a round of golf or some fishing.
Awards:
• 2021-2024 Pacesetter’s Club at Morgan Stanley Wealth Management, a global recognition for demonstration of the highest professional standards and first-class client service early in wealth management career
I started my wealth management career in 2011 at Fidelity Investments where I provided customer service and investment solutions. To work more closely with a dedicated group of clients, I relocated to an independent advisory firm in San Diego in 2013 and two years later moved on with another financial advisor to UBS. As a Senior Wealth Strategist at UBS, I managed all client relationships, provided comprehensive financial planning, and earned the CERTIFIED FINANCIAL PLANNER™ Practitioner designation. I joined Morgan Stanley Wealth Management in 2019 and have continued to build my practice by enhancing those relationships and attracting new clients through positive referrals.
As a financial advisor, I believe it is important to focus on both preserving and growing my clients’ assets as well as managing their liabilities. On the investment side, I help my clients optimize their portfolios by time segmenting their money while following the tenets of modern portfolio theory. We also pay close attention to risk and turnover to help preserve capital and manage their tax exposure. Leveraging the wide range of investment solutions and service specialists available through Morgan Stanley and working closely with my clients’ CPAs and attorneys helps me to bring confidence and clarity to their financial lives.
The "4 Key Pillars" of my practice that clients most value are:
• Trust
• Collaboration
• Responsiveness & Proactive Relationships
• Constantly Striving for Excellence to Add Value
About Me:
I am a Kentucky native who grew up on a family farm and learned the value of hard work and a debt-free lifestyle at an early age. I earned a bachelor’s degree in Finance and Accounting from Northern Kentucky University, which provided a solid foundation in financial planning that I have built upon over my career. My experience working at a high-end steakhouse in Cincinnati during college taught me the benefits of providing a high level of attention and service and has motivated me to always anticipate my clients’ needs before they ask for something. Away from work, I stay active with my dachshund, Kobe, exercising, and occasionally sneaking in a round of golf or some fishing.
Awards:
• 2021-2024 Pacesetter’s Club at Morgan Stanley Wealth Management, a global recognition for demonstration of the highest professional standards and first-class client service early in wealth management career
Securities Agent: MO, WY, CA, AL, WA, TX, TN, KY, AZ, HI, CT, VA, GA, CO, WV, NY, FL, NJ, OH, SC, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 1891520
CA Insurance License #: 0I73548
NMLS#: 1891520
CA Insurance License #: 0I73548
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
My Passion and My Clients
I have a passion for serving successful individuals, families, and entrepreneurs as their personal CFO and financial coach, adding value beyond just investments. I offer transparent and objective advice and I am not afraid to have those tough conversations sometimes necessary to stay on track toward achieving your long-term goals.
Looking back, I derive my passion when thinking about my father having a simple surgery then almost passing away from complications when I was in high school. I didn't realize the full jeopardy my family was in at the time. Although my father was financially literate, self-directed, and the family patriarch who handled everything, it left my mother unprepared to confront tough emotional and financial decisions. Looking back, it’s apparent that this situation could potentially relate to anyone, including the entrepreneurs, young executives, individuals, and families I work with today. Having a personal CFO and financial coach can make a difference during the good and difficult times and increase your probability of success.
I maintain productive relationships with:
• Business Owners and Entrepreneurs
• Corporate Executives
• Women experiencing a significant life event such as a divorce, loss of a spouse, or a large inheritance
If I sound like the right fit for you, please reach out to me for a financial consultation.
Looking back, I derive my passion when thinking about my father having a simple surgery then almost passing away from complications when I was in high school. I didn't realize the full jeopardy my family was in at the time. Although my father was financially literate, self-directed, and the family patriarch who handled everything, it left my mother unprepared to confront tough emotional and financial decisions. Looking back, it’s apparent that this situation could potentially relate to anyone, including the entrepreneurs, young executives, individuals, and families I work with today. Having a personal CFO and financial coach can make a difference during the good and difficult times and increase your probability of success.
I maintain productive relationships with:
• Business Owners and Entrepreneurs
• Corporate Executives
• Women experiencing a significant life event such as a divorce, loss of a spouse, or a large inheritance
If I sound like the right fit for you, please reach out to me for a financial consultation.
Delivering the Firm:
Wealth Planning Capabilities:Working with You
The trusted family doctor making house calls in the local community has become a rarity today but that is the mindset I bring to my client relationships. When you call with a question, I will almost always be the one picking up the phone and if you’re too busy to meet during the week, I am always available to get together on weekends or whenever your schedule allows.
I always strive to ensure that all of my clients have a financial plan and strategy that helps their wealth to stay on course so they can enjoy their lives. My frugal nature and experience as a CFP® have taught me that creating a budget is the cornerstone of effective financial planning. Our planning process together is comprehensive and develops over a series of meetings where I gather information on all facets of your life:
• We will discuss the short- and long-term goals for your wealth and review both your assets and liabilities.
• We will talk about your interests, your values and who you consider the important people in your life.
• And to do my best as your financial coach, I will also want to get to know the other players on your financial team like a CPA and a personal attorney.
After covering all this ground, we are well prepared to put together a financial plan and set realistic expectations for its implementation.
I always strive to ensure that all of my clients have a financial plan and strategy that helps their wealth to stay on course so they can enjoy their lives. My frugal nature and experience as a CFP® have taught me that creating a budget is the cornerstone of effective financial planning. Our planning process together is comprehensive and develops over a series of meetings where I gather information on all facets of your life:
• We will discuss the short- and long-term goals for your wealth and review both your assets and liabilities.
• We will talk about your interests, your values and who you consider the important people in your life.
• And to do my best as your financial coach, I will also want to get to know the other players on your financial team like a CPA and a personal attorney.
After covering all this ground, we are well prepared to put together a financial plan and set realistic expectations for its implementation.
Modern Wealth Tools
With Morgan Stanley’s Modern Wealth Management Tools, you will be able to manage all of your finances digitally using our online or mobile app. Below are some examples of the tools we have available for our clients:
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balances and activity that you should take advantage of. They include:
- eAuthorization - An enhanced way to authorize transactions with one click on Morgan Stanley Online.
- Manage your everyday finances such as paying bills online, sending money, and transferring funds.
- eAuthorization - An enhanced way to authorize transactions with one click on Morgan Stanley Online.
- Manage your everyday finances such as paying bills online, sending money, and transferring funds.
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. The Digital Vault on Morgan Stanley Online and the Mobile App allows you to build a central, shared document library where all documents are stored using encryption.
Total Wealth View
Total Wealth View allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
The ability to view all of your assets and liabilities together provides the opportunity to view your Morgan Stanley accounts with your entire financial picture in mind.
The ability to view all of your assets and liabilities together provides the opportunity to view your Morgan Stanley accounts with your entire financial picture in mind.
Cash Management Solutions
A modern alternative to banking, Morgan Stanley’s cash management solutions provide an extra benefit to our clients.
Aladdin - Created by BlackRock
Created by BlackRock, this is our powerful and sophisticated risk analytics enables a deeper understanding of your investment portfolio, helping us work with you to manage your risk while proactively guiding your wealth. In addition, it has capabilities to show you hypothetical performance based on factors and simulated market shocks.
Location
1111 Prospect Street
La Jolla, CA 92037
US
Direct:
(858) 729-5197(858) 729-5197
Fax:
(858) 551-5907(858) 551-5907
Meet My Team
Alison Sanchez
Client Service Associate
Phone:
(760) 602-3511(760) 602-3511
Russ Gallen
First Vice President, Private Banker
Phone:
(858) 729-5095(858) 729-5095
About Kyle Uthe
Securities Agent: MO, WY, CA, AL, WA, TX, TN, KY, AZ, HI, CT, VA, GA, CO, WV, NY, FL, NJ, OH, SC, IL; General Securities Representative; Investment Advisor Representative
CA Insurance License #: 0I73548
CA Insurance License #: 0I73548
About Russ Gallen
NMLS#: 684961
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
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact Kyle Uthe today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan Stanley 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
4Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
5Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
6Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
1Morgan Stanley 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
4Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
5Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
6Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures | Morgan Stanley
CRC 4665150 (8/2025)
