George J Strnad, CIMA®
Managing Director, Wealth Management, Wealth Advisor, Family Wealth Director
Phone:
(949) 955-7876(949) 955-7876
Laguna Pacific Wealth Management Group at Morgan Stanley
George J Strnad, CIMA®Gregory ManiaciStacey T Chung, CFP®Katie KelleyWendy CrockettSumana KarLorie Schneider
Direct:
(949) 955-7876(949) 955-7876
Toll-Free:
(800) 575-7706(800) 575-7706
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Commitment
Our mission is to be a personal trusted advisor for our clients while building a long-term relationship based on integrity, accountability, and understanding. In a world of “Robo-advisors” and “one-size –fits-all ETF Portfolios,” we have found that most affluent investors are treated generically, in portfolios that might or might not meet their objectives. In contrast, Laguna Pacific Wealth Management Group works with a limited number of affluent families and individuals utilizing the same principles we use when creating customized plans for our largest institutional clients. Institutions are successful because their plans are created to meet their specific goals. Every plan we create is unique to each individual client needs and aspirations.
Forbes Best-In-State Wealth Management Teams
- The Laguna Pacific Wealth Management Group has been named a Forbes Best-In-State Wealth Management Team in 2025. Source: Forbes.com (Awarded Jan 2025) Data Compiled By Shook Research LLC Based On Time Period From 3/31/23-3/31/24.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Professional Portfolio ManagementFootnote4
- Retirement PlanningFootnote5
- Endowments and FoundationsFootnote6
- Institutional ServicesFootnote7
- Planning for Education FundingFootnote8
- Asset Management
- Exchange Traded FundsFootnote9
- Alternative InvestmentsFootnote10
- Structured ProductsFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process: Focused On You
Charting a clear, confident course to financial success begins with understanding your values, priorities and aspirations. Working together, we define what is important to you and develop the solutions to help get you there.
Discovery Process
We take the time to fully understand you and your family. Whether you're planning for retirement, purchasing a home, or living out your golden years - we consider all of your challenges, goals and aspirations when building your financial picture.
Forming Your Strategy
Using your life goals as our compass, we create a risk-balanced strategy which maps a clear path to achieving your success.
Implementing Your Plan
We apply extensive research and analysis, and also utilize Morgan Stanley's full suite of resources, to ensure swift decisive action in all market scenarios.
Measuring Your Success
We check in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards your goals. Our ultimate mission is your success and well-being.
The Significance of a Family Wealth Director
Laguna Pacific Wealth Management's Executive Director and Family Wealth Director, George Strnad, leverages the versatile resources of Morgan Stanley and professionals to help our clients and their families maximize the value of their human capital by driving family wealth education, making it more likely that all members of the family will have the foundation and support they need to potentially lead meaningful, fulfilled and engaged lives.
Our Team's Family Wealth Capabilities
A Family Wealth Director (FWD) is a rare distinction, earned by less than 4% of Morgan Stanley’s Financial Advisors as of February 2021. The designation is given to advisors who have undergone distinctive training to complement their extensive experience working with ultra-high net worth families. To learn more about our family wealth capabilities, click the link below.
Our Family Wealth Capabilities
Family Governance and Wealth Education
The Family Governance & Wealth Education group helps ultra high net worth families strive to maximize the value of their human capital by addressing sensitive family issues, facilitate communication and manage your family dynamic in an effort to achieve a shared sense of common direction in coordination with your outside advisors.
Wealth Education Development Plan
Legacy & Estate Planning strategies
We engage with our Executive Planning Director and Wealth Planning Center to provide a fully integrated, comprehensive analysis of your balance sheet, estate plan, and investment strategy through a collaborative process- at your request we will coordinate with your legal tax advisors as well.
Philanthropy Management
We provide our clients with a smart way to give to causes and charities they care about through Morgan Stanley GIFT. Our donor advised fund, GIFT, is a 501(c)(3) public charity structured to offer you a simple, thoughtful and tax-advantageous way to support your favorite charities.
Learn More About GIFTA financial plan made for you
Our wealth management process begins with you, your investment objectives and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life - your investments and your cash management needs - making sure they align with your goals and wealth management plan.
At Morgan Stanley, we understand that the goals you set today will evolve over time. Your plan will evolve with them - and with the changing circumstances of your life.
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources of Morgan Stanley, we can help you take charge of your financial future an achieve your goals. Below, we have provided some links that will introduce you to a few of the tools that we use, please click to learn more about them. We hope that you will return often to learn more about topics impacting your wealth.
At Morgan Stanley, we understand that the goals you set today will evolve over time. Your plan will evolve with them - and with the changing circumstances of your life.
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources of Morgan Stanley, we can help you take charge of your financial future an achieve your goals. Below, we have provided some links that will introduce you to a few of the tools that we use, please click to learn more about them. We hope that you will return often to learn more about topics impacting your wealth.
LifeView - Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual’s financial life, including investments and cash management needs. Fill out the questionnaire to get started talking with us about creating a personalized strategy for your long-term goals.
Complete Questionnaire Here
Goals Planning System
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
Start Planning Now
Aladdin - Intelligent Risk Management
There’s a chance your portfolio may be at risk, but how you manage that risk is what matters.
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.
Learn More HerePortfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.
Strategy - Intelligent Withdrawals
Building wealth is a means to an end. Taxes can eat up a significant portion of your assets upon withdrawal. This is why it's vital to look at your entire portfolio and coordinate liquidation to help reduce the impact of taxes and potentially improve investment results.
The decisions your make today can help you save for years to come. Use the resources found in the link below to help get started.
View Tax-Aware Strategies HereThe decisions your make today can help you save for years to come. Use the resources found in the link below to help get started.
Spending and Budgeting Tool
One way to manage savings is by using Morgan Stanley’s Spending and Budgeting tool. These tools help advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
Start Using the Tool TodayValuable Tools and Resources
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today's global markets.
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We've provided links to these materials, where available, and hope you'll return often to learn more about the topics that impact your overall wealth.
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We've provided links to these materials, where available, and hope you'll return often to learn more about the topics that impact your overall wealth.
Morgan Stanley Online
Beyond viewing your account balance and activity, Morgan Stanley Online (MSO) has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with eAuthorizations.
Register for MSO Today
Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool.
Track Your Spending
Total Wealth View
View all your external financial accounts directly in Morgan Stanley Online or the mobile app. By linking your accounts, you'll benefit from more informed wealth planning, secure data access and convenient connectivity.
Link Your Accounts
Digital Vault
Digital Vault allows for easy sharing and convenient access to your most important documents from wills and deeds to financial statements and tax fillings. Easily manage your encrypted financial records all in one place.
Secure Your Documents
eDelivery
eDelivery provides you with the ability to view statements and other documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Enroll Today
Family Office Resources
Morgan Stanley Family Office Resources provides specialized, technical expertise to select clients across a broad range of family wealth management issues. Our core capabilities span three complimentary areas of focus including Governance & Legacy, Wealth Strategies and Signature Access.
Explore the Capabilities
MS Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Explore the Offers
Cyber Security Resources
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
How to Stay Safe
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, join Morgan Stanley's Chief Investment Officer and Chief US Equity Strategist as her and her colleagues discuss their viewpoints regarding the latest trends in the financial marketplace.
Access the Latest Episode
GIC On the Markets
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read the Latest Report
GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read the Latest Report
What Should I Do with My Money? Podcast
Managing our money is one of the most important aspects of our lives, and yet, many people don't have someone they can depend on for help when they need it.
On this podcast, we match real people, asking real questions about their money, with experienced Financial Advisors.
Listen to the Latest EpisodeOn this podcast, we match real people, asking real questions about their money, with experienced Financial Advisors.
2025 Federal Tax Tables
This document outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
View 2025 Federal Tax RatesLocation
28202 Cabot Rd
Ste 500
Laguna Niguel, CA 926771271
US
Direct:
(949) 955-7876(949) 955-7876
Toll-Free:
(800) 575-7706(800) 575-7706
28202 Cabot Road
Suite 500
Laguna Niguel, CA 92677
US
Direct:
(949) 365-5319(949) 365-5319
Meet Laguna Pacific Wealth Management Group
Executive Director, Wealth Management, Financial Advisor, Corporate Retirement Director
Phone:
(949) 365-5319(949) 365-5319
Senior Vice President, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Family Wealth Advisor
Phone:
(949) 955-7877(949) 955-7877
First Vice President, Wealth Management, Financial Advisor, Portfolio Management Director, Financial Planning Specialist
Phone:
(949) 365-5327(949) 365-5327
Wendy Crockett
Senior Registered Client Service Associate
Phone:
(949) 955-7584(949) 955-7584
Sumana Kar
Portfolio Associate
Phone:
(949) 955-7878(949) 955-7878
Lorie Schneider
Senior Client Service Associate
Phone:
(949) 365-5366(949) 365-5366
About George J Strnad
George graduated from the California State University Fullerton where he received his undergraduate degree in 1985. He completed the last year of his undergraduate degree at Somerville College, Oxford England. He is a graduate of the Securities Industry Institute at the Wharton School University of Pennsylvania and was awarded the designation of Certified Investment Management Analyst (CIMA). From 1988 to 1999, George was Senior Consultant with Monarch Beach Wealth Management Group at Morgan Stanley. In 1999, he earned his Senior Institutional Consultant designation. In 2001 George completed the NYU Stern School of Business, Masters of Wealth Management Program and in 2012 was awarded the title of Senior Portfolio Management Director at Morgan Stanley. In 2015 George earned the prestigious title of Family Wealth Director. About 5% of Financial Advisors have obtained the Family Wealth Director designation as of December 2023. In 2022 George was awarded the title of Managing Director, Wealth Management.
2025 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2025) Data compiled by SHOOK Research LLC based on time period from 6/30/23 - 6/30/24.
NMLS#1288360 CA INS LIC 0A58420
Awards Disclosures
2025 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2025) Data compiled by SHOOK Research LLC based on time period from 6/30/23 - 6/30/24.
NMLS#1288360 CA INS LIC 0A58420
Awards Disclosures
Securities Agent: MN, IL, CO, SC, CA, WI, TX, MO, MA, VA, TN, GA, KY, OK, NV, NJ, IN, AK, MI, WA, OR, FL, PA, AZ, WY, NY, ID, HI, AR, UT, NC, MS, MD, NM; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1288360
CA Insurance License #: 0A58420
NMLS#: 1288360
CA Insurance License #: 0A58420
About Gregory Maniaci
Greg is a Portfolio Management Director and Partner with the Laguna Pacific Wealth Management Group. Greg is an investment professional with over 36 years’ experience and is firmly committed to providing families and businesses comprehensive financial advice. His approach is to provide clients with an understanding of the current economic environment so that they are informed and empowered when making a decision that affects their family and/or business. He enjoys the challenge of helping secure the successful retirement and subsequent intergenerational wealth transfer and estate planning for his clients.
Greg also works with institutions, consulting with plan sponsors of ERISA qualified plans to help them fulfill their fiduciary responsibilities, and to help them create more successful retirement outcomes for their plan participants. Greg’s designation of Corporate Retirement Director allows him to provide 3(21) and 3(38) fiduciary services from Morgan Stanley for the Qualified Plan marketplace.
Greg graduated from University of Southern California where he received his Master’s degree in business administration. Greg has been recognized as a member of Morgan Stanley’s prestigious President’s Club and Chairman’s Club for the over 20 years. Greg has said the best move he ever made was not a stock investment, but marrying the love of his life, Debbie, over 40 years ago.
Greg also works with institutions, consulting with plan sponsors of ERISA qualified plans to help them fulfill their fiduciary responsibilities, and to help them create more successful retirement outcomes for their plan participants. Greg’s designation of Corporate Retirement Director allows him to provide 3(21) and 3(38) fiduciary services from Morgan Stanley for the Qualified Plan marketplace.
Greg graduated from University of Southern California where he received his Master’s degree in business administration. Greg has been recognized as a member of Morgan Stanley’s prestigious President’s Club and Chairman’s Club for the over 20 years. Greg has said the best move he ever made was not a stock investment, but marrying the love of his life, Debbie, over 40 years ago.
Securities Agent: NV, IL, MA, CA, WA, MS, HI, GA, TN, OR, OK, CO, AZ, NJ, NE, FL, WY, WI, UT, MI, VA, TX, SC, NC, PA, NY, NM, NH, MD, IN, AK, ID, DC, AR; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1431029
CA Insurance License #: 0A37963
NMLS#: 1431029
CA Insurance License #: 0A37963
About Stacey T Chung
Stacey is a Financial Advisor with the Laguna Pacific Wealth Management Group at Morgan Stanley working with successful families and business owners managing their financial world. She began her investment career in 2000 where she started as an intern but quickly became captivated by the financial industry and shortly after earned her securities licenses, Series 7 and 66. She has spent the past 20 years crafting and servicing financial solutions for high net worth individuals and families utilizing principles of true wealth management. She continues to expand her knowledge so she is able to help her clients navigate through the increasingly complex financial environment and has earned the designation of Certified Financial Planner. She graduated from California State University Fullerton where she received her undergraduate degree in Business Management. Stacey enjoys traveling and spending time outdoors with her husband, David and their two children.
CA insurance Lic. # 0K65888 NMLS ID 1460472
CA insurance Lic. # 0K65888 NMLS ID 1460472
Securities Agent: OR, PA, SC, TN, TX, UT, VA, WA, WI, WY, AK, AR, AZ, CA, CO, FL, GA, HI, ID, IL, IN, KY, MA, MD, MI, MO, NC, NJ, NM, NV, NY, OK; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1460472
CA Insurance License #: 0K65888
NMLS#: 1460472
CA Insurance License #: 0K65888
About Katie Kelley
Katie is a Financial Advisor and partner with the Laguna Pacific Wealth Management Group. She began her investment career in 2011 doing Commercial Banking at a national bank before transitioning to the Financial Advisor role at Morgan Stanley. Katie has attained her Series 7 and 66 securities licenses. She is also a licensed mortgage broker and California Insurance Broker with the capacity to bring Insurance Planning and Lending Solutions to her clientele (CA Ins. Lic #0K16024, NMLS 1370986.) Katie is focused on helping professionals, retirees, and multi-generational families solve their financial challenges. With an emphasis on financial planning, her comprehensive approach includes a thorough planning process and a commitment to providing an exceptional client experience.
Katie graduated from Concordia University Irvine where she received her undergraduate degree in Finance and Business Management. She is a former high school and collegiate golfer and now resides in south Orange County with her husband, Brian, and their children, Kendall and Grant. Katie’s hobbies include cooking, reading, working out, and spending time with her family.
Katie graduated from Concordia University Irvine where she received her undergraduate degree in Finance and Business Management. She is a former high school and collegiate golfer and now resides in south Orange County with her husband, Brian, and their children, Kendall and Grant. Katie’s hobbies include cooking, reading, working out, and spending time with her family.
Securities Agent: IN, WA, OR, AZ, SC, UT, TX, WY, NE, NH, NY, NV, PA, NM, MA, TN, ND, WI, VA, KY, ID, HI, OK, IL, AR, NJ, AK, CO, NC, FL, MO, MI, MD, GA, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1370986
CA Insurance License #: 0K16024
NMLS#: 1370986
CA Insurance License #: 0K16024
About Wendy Crockett
Wendy started her career with Dean Witter in Newport Beach, California October 1996 and has been with the company ever since. Her experience servicing clients and attention to detail has made her a strong asset to the firm and our team. Her hobbies include watching sports, running, swimming and anything active.
About Sumana Kar
Joining Morgan Stanley in 2017, Sumana is a Portfolio Associate with over 18 years of industry experience serving high net worth investors and their families. She graduated from the University of California, Irvine with a BA in International Studies. Sumana currently holds FINRA Series 63, 65, and 7 licenses.
Prior to joining Morgan Stanley, she worked for JP Morgan Chase and American Funds.
During her free time, Sumana enjoys hiking and exploring new cuisines. When she is not exploring new places and cuisines, Sumana spends much of her time with her family. She is originally from the East Coast and spent some years overseas, currently resides in Irvine, California.
Prior to joining Morgan Stanley, she worked for JP Morgan Chase and American Funds.
During her free time, Sumana enjoys hiking and exploring new cuisines. When she is not exploring new places and cuisines, Sumana spends much of her time with her family. She is originally from the East Coast and spent some years overseas, currently resides in Irvine, California.
About Lorie Schneider
Lorie is a Senior Client Service Associate with over 14 years of industry experience. Lorie works as a liaison between the advisors, staff, and complex management keeping all apprised of the status of projects and follow up issues. She uses her industry knowledge to build and maintain strong client relationships by directly assisting the clients with solving complex account issues and inquiries. Lorie's attention to detail and commitment to delivering the highest level of personal service to clients make her an integral part of Laguna Pacific Wealth Management Group.
Contact George J Strnad
Contact Gregory Maniaci
Contact Stacey T Chung
Contact Katie Kelley
Wealth Management
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
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- IRA Plans
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- Retirement plan participants
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
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- Traditional Investments
- Alternative Investments
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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
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
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Ready to start a conversation? Contact Laguna Pacific Wealth Management Group today.
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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.
3Morgan 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.
4Morgan 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.
5When 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Morgan 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.
8When 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.
9An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
10Alternative 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.
11Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan 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.
4Morgan 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.
5When 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Morgan 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.
8When 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.
9An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
10Alternative 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.
11Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
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The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
