Bryan N. Mountain, CRPC®
Executive Director, Wealth Management, Financial Advisor
Phone:
(805) 374-8111(805) 374-8111
Larry Mills, CFA®
Senior Vice President, Wealth Management,
Institutional Consulting Director,
Institutional Consultant
Direct:
(805) 374-8108(805) 374-8108
My Mission Statement
Our mission is simple: To set the industry standard in investment consulting services. We deliver this through our team's extensive knowledge, experience and individualized service coupled with the depth of world-class resources we access through Graystone. This powerful combination is designed to translate into better outcomes that achieve the desired results.
My Story and Services
Larry brings 38 years of investment experience to Graystone Consulting. Prior to joining Graystone, Larry was a Senior Institutional Consultant at UBS Financial Services and sat on the Advisory Council for the Institutional Consulting Group. Before that he was the co-head of Lehman Brothers Retirement Plan Consulting unit. He has spoken numerous times at national forums about stable value investments.
Larry holds the Chartered Financial Analyst (CFA) designation and is an Accredited Investment Fiduciary Analyst (AIFA). By holding both the CFA and AIFA analyst designations , Larry has a strong combination of skills and knowledge in investment analysis, portfolio management, and fiduciary responsibilities.
He graduated from Dartmouth College with a B.A. in Economics and has an MBA from the University of Southern California. He and his wife and three children live in the mountains outside Lake Tahoe.
Larry holds the Chartered Financial Analyst (CFA) designation and is an Accredited Investment Fiduciary Analyst (AIFA). By holding both the CFA and AIFA analyst designations , Larry has a strong combination of skills and knowledge in investment analysis, portfolio management, and fiduciary responsibilities.
He graduated from Dartmouth College with a B.A. in Economics and has an MBA from the University of Southern California. He and his wife and three children live in the mountains outside Lake Tahoe.
Securities Agent: WA, WY, WV, WI, VT, VI, VA, UT, TX, TN, SD, RI, PA, OR, OH, NY, NV, NM, NJ, NH, NE, NC, MT, MS, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, FL, DE, DC, CT, MO, CO, CA, AZ, ND, AR, AL, AK, SC, OK; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1272973
CA Insurance License #: 0A06948
NMLS#: 1272973
CA Insurance License #: 0A06948
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Personalized Approach
1. Personalized Consultation
We begin by listening attentively to your financial aspirations, concerns, and priorities. We take the time to understand your current financial situation, your short-term and long-term goals, and any specific challenges you may be facing. This step allows us to tailor our approach to your unique circumstances.
2. Comprehensive Financial Analysis
Our team conducts a thorough analysis of your financial landscape, including an evaluation of your income, expenses, assets, liabilities, investments, and tax situation. By taking a holistic view of your finances, we gain a deeper understanding of your financial strengths and identify areas for improvement.
3. Goal Setting and Prioritization
Based on our analysis and your aspirations, we collaborate with you to establish clear, measurable financial goals. Whether it's planning for retirement, funding education, buying a home, or any other objective, we work together to define your priorities and create a roadmap to achieve them.
The Importance of a Goals-Based Plan
4. Tailored Financial Plan
Drawing on our expertise and industry knowledge, we develop a customized financial plan that addresses your specific goals. This plan may encompass investment strategies, tax optimization, risk management, estate planning, and more. We also utilize Morgan Stanley's full suite of resources, to ensure swift decisive action in all market scenarios.
5. Performance Check-In
Financial planning is not a one-time event but an ongoing process. We continuously monitor your progress, track changes in your circumstances, and adjust your financial plan as needed. We provide regular updates, conduct performance reviews, and proactively recommend adjustments to keep you on track towards achieving your goals.
6. Start Your Journey
This questionnaire will help us create a personalized strategy for you and can enhance our conversation around your long-term goals.
LifeView QuestionnaireTailored Planning Strategy for Your Unique Retirement Vision
From investments and cash management to aligning your intentions with retirement goals, our team is here to create a tailored strategy that ensures a secure and fulfilling retirement. You have worked hard to get where you are at, now it's up to us helping you live the retirement you have always dreamed of.
IRA Rollover Guide
Your retirement assets may represent a substantial source of your future retirement income and there are many factors you should consider in determining whether to roll over your assets.
Learn More
Understand your 401(k)
Many companies offer a 401(k) plan to help their employees save for retirement. This is a simple, convenient, and powerful retirement planning vehicle that can help you start investing early and automatically. If you’re not taking advantage of this, now is the time to start.
Learn More
Intelligent Withdrawals
Liquidating assets to meet a goal can be a land mine of tax risk. We can help you navigate the complexities with Total Tax 365 and Intelligent Withdrawals.
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Trust, Estate & Legacy Planning
Discussing the end of life and what happens to your assets is never an easy conversation to have, especially with family. But this type of planning is essential if you hope to ease what can be a difficult process for the people you love and to ensure that your wishes are respected. Here are seven steps to help simplify the process.
Learn More
Education Planning
With education costs rising, paying for college has become a major life expense that requires smart planning. Find answers to key questions here.
Learn More
SECURE 2.0 Act
Congress passed the SECURE 2.0 Act of 2022, which was signed into law by President Biden on December 29, 2022. SECURE 2.0 is a significant piece of retirement legislation that is intended to make it easier for businesses to offer retirement plans and for individuals to save for retirement.
Learn More
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register Here
Total Wealth View
Through Morgan Stanley Online, you can view your Morgan Stanley accounts and those from other financial institutions all in one secure place. This gives a better view of your complete financial picture and helps to better track your goals and plan for the future.
Learn MoreMedia & Research:
Morgan Stanley provides its clients with resources designed to transform complex financial analysis and research into concise and easily digestible content. The links below offer insight into the modern financial market and the current economic landscape .
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Check Out The Latest Episode
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology, and beyond.
Check Out The Latest Episode
On The Markets Research Report
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
Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read The Latest ReportThe Graystone Consulting Advantage
Guiding you through complexity
Graystone Consulting provides you with customized, innovative, flexible solutions to help meet your organization’s most sophisticated financial needs. We shine a bright strategic light on your institutional investment challenges and goals and help you create an intelligent path to reach them, while remaining responsive to everything the world throws at your long-term plan along the way.
Giving you an independent and objective fiduciary partner
With an open investment architecture, we maintain complete fiduciary independence with objective, unbiased advice, so we work solely in your interests to help you build real and lasting financial security for your organization, your mission, and your people.
Providing you with boutique service, on a global scale
Graystone Consulting combines the fresh thinking, nimbleness and spirit of a modern entrepreneurial consulting boutique with the deep knowledge and experience of Morgan Stanley. We ensure the right advisors are in the seat from the first day you meet. You’ll get deeply experienced advisors who’ll take the time to truly understand you and your organization, develop innovative strategies to address your challenges—and build a long-term partnership based on trust.
Connecting you to all the resources of Morgan Stanley
Graystone Consulting puts the financial resources and power of Morgan Stanley’s vast research network to work for you. That means we can help you more effectively react to financial events around the world, with confidence. Give us your most complex financial challenges, and we’ll help you solve them.
Location
100 N Westlake Blvd
Ste 200
Westlake Village, CA 91362
US
Direct:
(805) 374-8108(805) 374-8108
Fax:
(805) 494-0231(805) 494-0231
Meet My Team
Marc Roggenkamp, CFA
Senior Vice President, Wealth Management, Institutional Consulting Director, Institutional Consultant
Phone:
(310) 285-6558(310) 285-6558
Chris Venuti, CIMA®
Senior Vice President, Wealth Management, Institutional Consulting Director, Financial Wellness Director
Phone:
(805) 374-8112(805) 374-8112
About Bryan N. Mountain
Bryan joined Morgan Stanley in 2014. Previously working at UBS for over 13 years, Bryan's experience is in retirement planning for high net worth clients. He has earned the Chartered Retirement Planning Counselor (CRPC®) designation from the College for Financial Planning. Bryan attended CSU San Bernardino before moving to the Los Angeles area. He is active in the community and has volunteered for several charitable organizations. On Wall Street featured him amongst The Top 40 Advisors under 40 in 2011 and 2012. Financial Times listed Bryan amongst the top advisors in 2013. In his spare time Bryan enjoys swimming, cycling, and running as he trains for his next Ironman triathlon.
"Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded Apr 2013) Data compiled by Financial Times based on data as of 12/31/12."
"Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded Apr 2013) Data compiled by Financial Times based on data as of 12/31/12."
Securities Agent: WI, WY, WV, VA, WA, VT, VI, UT, TX, TN, SC, RI, PA, OR, OK, OH, NY, NM, NJ, NH, ND, NC, MT, MO, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, FL, DE, DC, CT, CO, MS, CA, AZ, AR, NE, AL, AK, SD, NV; General Securities Representative; Investment Advisor Representative
CA Insurance License #: 0D10995
CA Insurance License #: 0D10995
About Marc Roggenkamp
Marc joined Graystone Consulting Group in January 2014. He has over 24 years of experience in the financial services industry. Prior to joining Morgan Stanley, Marc was a Senior Institutional Consultants at UBS Financial Services. He has also previously worked at Lehman Brothers (2002-2005) and was a Certified Public Accountant with Deloitte & Touche (1996-2000), specializing in financial service industry clients and ERISA retirement plan audits. He graduated from University of California, Los Angeles with a Bachelors of Arts in Economics and Sociology and holds the Chartered Financial Analyst® designation. He also attended the Marshall Graduate School of Business at the University of Southern California, where he co-managed a multi-million dollar scholarship endowment and graduated with honors. Marc is a current member of Morgan Stanley’s strategic retirement practice group, a dedicated group of 13 investment consultant professionals who service large and mega sized plan sponsors.
Marc lives in Cheviot Hills, a small community in the West Los Angeles area, with his wife and daughter. He previously served as President of the Cheviot Hills Home Owners Association and as a board Member for a Westside not-for-profit benefiting Home Owners' interests in West Los Angeles. In his free time, Marc enjoys creative outlets such as woodworking, landscape / gardening, and art.
Marc lives in Cheviot Hills, a small community in the West Los Angeles area, with his wife and daughter. He previously served as President of the Cheviot Hills Home Owners Association and as a board Member for a Westside not-for-profit benefiting Home Owners' interests in West Los Angeles. In his free time, Marc enjoys creative outlets such as woodworking, landscape / gardening, and art.
Securities Agent: WY, VT, WV, WI, WA, VI, VA, UT, TN, SD, SC, RI, PA, OR, OK, TX, NY, NV, NM, NH, NE, ND, MT, MS, MO, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, FL, DE, DC, CT, CO, CA, NC, AZ, AR, AL, NJ, AK, OH; General Securities Representative; Investment Advisor Representative
CA Insurance License #: 0F53724
CA Insurance License #: 0F53724
About Chris Venuti
Chris brings 31 years of investment experience to Graystone Consulting. Chris has grown up in the Retirement plans industry and has been a thought leader through the years, serving on many advisory boards both at Morgan Stanley, and with various industry groups. He is often seen as a speaker at Retirement plan industry conferences.
Prior to joining Graystone, Chris was a Senior Institutional Consultant at UBS Financial Services and was a member of the Investment Committee for UBS's own 401(k) and defined benefit plans. He holds the Chartered Investment Management Association (CIMA®) designation. In the early 90's Chris was the host of the Morning Market Call on KWHY and was a Theater major at SUNY Fredonia. Chris conducts many educational webinars for our clients and enjoys teaching participants retirement planning concepts.
Chris has coached many sports teams through the years, is a regular cantor at St. Mel Catholic Church, and currently serves on the Finance Council in Woodland Hills where he and his family live. He is an avid player and collector of board games, and can be seen at conventions always willing to play another round. His son Dylan is a new member of the Graystone Los Angeles- Pacific Rim team having just passed his Series 7 and 65.
Prior to joining Graystone, Chris was a Senior Institutional Consultant at UBS Financial Services and was a member of the Investment Committee for UBS's own 401(k) and defined benefit plans. He holds the Chartered Investment Management Association (CIMA®) designation. In the early 90's Chris was the host of the Morning Market Call on KWHY and was a Theater major at SUNY Fredonia. Chris conducts many educational webinars for our clients and enjoys teaching participants retirement planning concepts.
Chris has coached many sports teams through the years, is a regular cantor at St. Mel Catholic Church, and currently serves on the Finance Council in Woodland Hills where he and his family live. He is an avid player and collector of board games, and can be seen at conventions always willing to play another round. His son Dylan is a new member of the Graystone Los Angeles- Pacific Rim team having just passed his Series 7 and 65.
Securities Agent: WV, WY, WI, WA, VT, VI, VA, UT, TX, SD, SC, RI, OR, OK, OH, NV, NM, NJ, NH, NE, ND, NC, MS, MO, MN, ME, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, FL, DE, DC, MI, CT, CO, CA, MT, AZ, AR, AL, AK, TN, PA, NY; General Securities Representative; Investment Advisor Representative
Wealth Management
From My Desk
Understanding Your Retirement Plan Options When You Leave a Job
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
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
Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
State of the Workplace Study 2023
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Managing Significant Wealth
- Investment Management
- Wealth Transfer & Philanthropy
- Cash Management & Lending
- Family Governance & Wealth Education
- Signature Access
- Business Services
Funding Climate Action: Pathways for Philanthropy
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Insights and Outcomes
Thought Leadership for our ultra high net worth clients, which contains thought-provoking articles, authored by leading experts from Morgan Stanley Family Office Resources.
Private Wealth Management Podcast
Bringing you engaging stories and key insights surrounding the complexities associated with significant wealth, including:
- Intergenerational Planning
- Philanthropic Giving
- Non-Traditional Assets
- Managing Family Wealth
LISTEN | Passion Assets: Investing in Art
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Ready to start a conversation? Contact Larry Mills today.
1When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
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 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.
5Morgan 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.
6Alternative 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.
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
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.
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 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.
5Morgan 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.
6Alternative 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.
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)
