Phone:
(808) 525-6906(808) 525-6906
Legacy Architects Group at Morgan Stanley
Our Mission Statement
Building comprehensive, customized solutions for business owners to optimize their success, protect their wealth and cement their legacy.
Our Story and Services
Like constructing a building, Legacy Architects Group can help design the ideal blueprint for your future, providing guidance every step of the way as you cement your legacy. Whether you are a high net worth family, entrepreneur, business owner ready to address succession or a professional advisor to such clients in transition, contact us today for a consultation tailored to your needs.
Legacy Architects Group: Forbes Best-In-State Wealth Management Teams 2025
Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based on the period from 3/31/23–3/31/24.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Understanding Business Owners
Our experience keeps us attuned to the specific needs of business owners approaching retirement and the many questions succession planning can create:
- Do you want to leave the business to your children?
- Do you have a management team in place that can continue to grow your business?
- Or do you prefer to sell?
We will work with your team to explore the potential consequences of your many options, so that your final choice is the right one.
Your legacy is about more than finances. It's about the values, people and causes you care about. So, when it comes to legacy planning, we strive to understand what matters to you and how you hope to be remembered. With these insights, we can then work with you and your other advisors to structure a plan for leaving behind a legacy that lasts for generations.
We have learned that most business owners look at their enterprise as an operational lifestyle asset. But as retirement or succession approaches, owners must evolve their view of the enterprise from a working asset into an income stream. Before that can happen, owners must focus on positioning the business for sale, increasing its valuation to maximize the most important liquidity event of their career. As exit planning specialists with deep financial planning and wealth advisory experience, we can help you navigate the often-complicated process of an effective succession by advising on such areas as:
- Operational consulting to maintain business profitability
- Balancing the need to minimize taxable income from an individual standpoint while showing sufficient earnings to make the business attractive to buyers
- Developing a proper valuation and suitable buyer for the business by marshalling the advisors that specialize in each part of the exit, which could include corporate attorneys, management consultants and even headhunters
Holistic Exit Planning
We take a holistic view of succession; from the moment a business owner acknowledges the need for a transition. Our role begins in preparation for a liquidity event, continues through the financial transaction and shifts to customized wealth management focused on income generation, longevity and legacy planning once a windfall has been achieved.
1. Pre-Liquidity Planning
- Conduct baseline assessment of business value
- Determine your wealth gap to inform necessary exit value
- Create and execute action plan for valuation improvement
- Decentralize Owner-Dependent Businesses
- Integrate financial and personal needs into preparation
2. Evaluating Exit Options
- Assess business regularly to determine whether to grow or sell
- Select best exit option: internal or external
- Internal: Begin transition to family or employees through ESOP or similar buyout strategy
- External: Engage intermediary to market business for sale
3. Post-Exit Planning
- Orient financial planning toward both financial and personal objectives
- Assess tax impact of liquidity event on estate planning
- Determine income needs based on your planned path: full or part-time retirement or a new vocation
- Execute your personal plan
Insights for Business Owners
VIDEO: Monetizing Small BusinessWorking With Professional Business Advisors
It takes a team to achieve successful exits and succession outcomes. This is why we have spent our careers developing relationships with specialist centers of influence in the disciplines of tax, corporate and estate law, insurance and management consulting. An accountant may realize the tax ramifications of a business sale, for instance, but may lack skills such as valuation analysis or how to legally structure a management buyout or third-party acquisition.
Two key priorities in forming the Legacy Architects Group were to create:
- A virtual family office for business owners and ultra-high-net-worth clients to ensure all their needs are addressed, both on the business and personal level
- A professional exchange for business advisors to source experienced, trusted specialists across the disciplines that affect business and personal wealth and promote collaborative relationships centered on individual clients
Family Office Resources
The Legacy Architects Group helps clients address the full spectrum of complex, multigenerational wealth management issues.
We look forward to learning more about your family needs and how we may be of service to you.
Our Practice helps clients address the following questions:
• How much of my wealth do I want my heirs to inherit? At what age?
• How do I create readiness emotionally and intellectually to manage significant family wealth?
• How can I leave a lasting family legacy in my community?
• What are the best ways to reduce transfer taxes, while benefiting family and charity at the same time?
• I've sold a company that gave meaning and purpose to my life. What's next?
• Does my asset allocation make sense given my risk tolerance, and how is my family positioned for any unforeseen life events?
• How can I create income beneficiaries for my wealth while protecting the principal for future growth?
Our work with clients has evolved to address the complexity of our client’s growing and dynamic needs.
Our Family Office resources include the following:
• Outsourced CIO Platform
• Strategic Estate and Financial Planning
• Wealth Analytics and Solutions
• Manager Selection & Portfolio Construction
• Alternative Investment Portfolio Experience
• Insurance Solutions
• Trust Services
Our work is grounded in providing a range of solutions that include:
• Lifestyle Advisory (Full service resource access)
• Philanthropic Management
• Family Governance & Legacy
• Next Generation Education
Morgan Stanley Family Office Resources
When it comes to providing institutional-level support for your family office, scale matters. Our offering aims to bring together specialized investment services and operational support to enhance your life and legacy.
Morgan Stanley Signature Access Lifestyle Advisory
Your unique needs call for specialized care.
Managing the Complexities of Wealth: Best Practices for Single Family Offices
Building an effective family office that is aligned with a family's mission and delivers the extensive range of capabilities required involves a series of critical structuring, staffing and strategic measures.
Location
733 Bishop Street
Suite 2800
Honolulu, HI 96813
US
Direct:
(808) 525-6900(808) 525-6900
Meet Legacy Architects Group
Phone:
(808) 525-7993(808) 525-7993
Alexander Fowler, QPFC
Financial Advisor
Phone:
(808) 525-6006(808) 525-6006
Richardson P. Talavera
Portfolio Management Associate.
Phone:
(808) 525-7951(808) 525-7951
Ryan Furuya
Registered Client Service Associate
Phone:
(808) 525-7975(808) 525-7975
Ari David
Client Service Associate
Phone:
(808) 525-6990(808) 525-6990
About Me
Brandon and the Legacy Architects Group at Morgan Stanley deliver a holistic perspective and broad financial experience to help business owner clients exit their businesses and transfer wealth to the next generation. He focuses on post-liquidity income replacement, and strives to maximize the after-tax business sale value, and family legacy planning.
Brandon advises founders throughout the full business lifecycle:
• Start-up: fundraising cash management, introductions to strategic advisors and outsourced C-suite professionals (CFO, CMO)
• Growth: venture capital, private equity, lending solutions
• Exit: Investment banking for partial or full exits, mergers and acquisitions
He works closely with the founder's tax and legal team to help maximize the after-tax value upon exit and replacing business income with lifetime portfolio income.
His education and training include:
Certified Financial Planner™ practitioner, The American College
Certified Exit Planning Advisor™, Exit Planning Institute
Certified Investment Management Analyst®, The Wharton School, University of Pennsylvania
Certified Private Wealth Advisor®, University of Chicago Booth School of Business
B.S with honors from the University of Maryland.
Brandon advises founders throughout the full business lifecycle:
• Start-up: fundraising cash management, introductions to strategic advisors and outsourced C-suite professionals (CFO, CMO)
• Growth: venture capital, private equity, lending solutions
• Exit: Investment banking for partial or full exits, mergers and acquisitions
He works closely with the founder's tax and legal team to help maximize the after-tax value upon exit and replacing business income with lifetime portfolio income.
His education and training include:
Certified Financial Planner™ practitioner, The American College
Certified Exit Planning Advisor™, Exit Planning Institute
Certified Investment Management Analyst®, The Wharton School, University of Pennsylvania
Certified Private Wealth Advisor®, University of Chicago Booth School of Business
B.S with honors from the University of Maryland.
Securities Agent: DE, DC, ME, VA, WY, WA, OR, MD, WI, TX, OK, NY, SC, PA, NV, NC, MO, HI, GA, CA, AZ, MT, MI, CO, AK, UT, NJ, TN, IA, LA, IN, OH, IL, FL; General Securities Representative; Investment Advisor Representative
About Me
After 35 years of working with families and business owners, one thing’s for sure – no two plans are alike. Managing your wealth is more than just choosing investments. We take the time to understand your dreams and wishes so that we can design a plan that helps you live your best life throughout your lifetime and create the legacy you want to leave.
As a business owner, planning for the continuation of your life’s work can be both daunting and rewarding. Do you want to leave it to your children? Do you have a management team in place that can continue to grow your business? Do you prefer to sell your business? We will work with your team to explore the potential consequences of your many options, so that your final choice is both rewarding and fun!
Geal is a Certified Financial Planner, Certified Exit Planning Advisor, Chartered Life Underwriter, is Series 7 and 63 licensed, a real estate investor and teacher. She enjoys finding strategies to help manage taxes and simplify technical issues to understandable morsels.
Geal offers a planning-based perspective built around clients' goals, dreams and wishes. She takes the time to understand who and what is most important to you, and builds comprehensive, meticulous financial plans while integrating exit and succession strategies. She works with your other advisors to best support your goals prior to and long after any transitional events.
As a business owner, planning for the continuation of your life’s work can be both daunting and rewarding. Do you want to leave it to your children? Do you have a management team in place that can continue to grow your business? Do you prefer to sell your business? We will work with your team to explore the potential consequences of your many options, so that your final choice is both rewarding and fun!
Geal is a Certified Financial Planner, Certified Exit Planning Advisor, Chartered Life Underwriter, is Series 7 and 63 licensed, a real estate investor and teacher. She enjoys finding strategies to help manage taxes and simplify technical issues to understandable morsels.
Geal offers a planning-based perspective built around clients' goals, dreams and wishes. She takes the time to understand who and what is most important to you, and builds comprehensive, meticulous financial plans while integrating exit and succession strategies. She works with your other advisors to best support your goals prior to and long after any transitional events.
Securities Agent: UT, MO, DC, MI, CA, TX, NY, ME, IN, HI, AK, SC, PA, OH, NJ, MT, CO, AZ, MD, WY, WA, TN, OK, IL, DE, VA, OR, NC, IA, GA, NV, LA, FL; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 2451938
NMLS#: 2451938
About Alexander Fowler
Alexander joined Morgan Stanley as an advisor in 2013 and works with small business owners and high net worth individuals. Alex specializes in corporate benefits, offering guidance structuring 401(k) plans, buy-sell agreements, and deferred compensation plans which help business owners not only save for their future tax efficiently, but also attract and keep talented employees. As a financial advisor with a property and casualty license, he can also assist business owners with their corporate insurance needs including worker’s compensation, general liability, and umbrella insurance.
A native of Oahu, Alex graduated from Roosevelt High School, where he was a standout athlete as a state triple jump champion and all-star in football and soccer. He then went on to excel as a collegiate athlete at the University of San Francisco. Alex was captain of the USF Track and Field team all four years and was the West Coast Conference Champion in both the long jump and triple jump. He graduated summa cum laude in finance from the University of San Francisco with an emphasis in personal finance from USF's McLaren School of Management.
Alex is active in the local business community as the founder and president of the Emerging Leaders of Hawaii. The peer group of over 300 young professionals including doctors, lawyers, accountants, dentists, bankers, engineers and developers meets monthly to discuss ideas and aspirations that could shape Hawaii’s future
A native of Oahu, Alex graduated from Roosevelt High School, where he was a standout athlete as a state triple jump champion and all-star in football and soccer. He then went on to excel as a collegiate athlete at the University of San Francisco. Alex was captain of the USF Track and Field team all four years and was the West Coast Conference Champion in both the long jump and triple jump. He graduated summa cum laude in finance from the University of San Francisco with an emphasis in personal finance from USF's McLaren School of Management.
Alex is active in the local business community as the founder and president of the Emerging Leaders of Hawaii. The peer group of over 300 young professionals including doctors, lawyers, accountants, dentists, bankers, engineers and developers meets monthly to discuss ideas and aspirations that could shape Hawaii’s future
Securities Agent: OK, ME, LA, AZ, TX, PA, OH, NC, GA, DE, DC, NJ, MT, MI, TN, SC, MD, IL, WY, NY, NV, IN, CA, WA, UT, MO, IA, VA, OR, AK, HI, FL, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 1285383
NMLS#: 1285383
About Richardson P. Talavera
Rich joined the Legacy Architects Group in 2022 as a Portfolio Management Associate. His responsibilities include the development and execution of investment strategies, portfolio analysis and construction, asset allocation and risk management. In addition to supporting the servicing of client accounts, he is licensed to work with clients on their variable, health and life insurance needs.
Rich has over 10 years of experience in financial services. He started his career in New York as an Associate in Deloitte’s Audit practice, before joining KPMG as a Manager in their Mergers & Acquisitions group. Prior to joining Morgan Stanley, he was a Risk Officer at First Hawaiian Bank in their Operational Risk Department.
Rich graduated from St. John’s University, earning a bachelor’s degree in accounting and his MBA. Outside of the office, he enjoys playing golf and spending time with his wife Allie, and their two children, Jet and Emmie.
Disclosures:
Asset allocation and diversification do not guarantee a profit or protect against a loss in a declining financial market.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Rich has over 10 years of experience in financial services. He started his career in New York as an Associate in Deloitte’s Audit practice, before joining KPMG as a Manager in their Mergers & Acquisitions group. Prior to joining Morgan Stanley, he was a Risk Officer at First Hawaiian Bank in their Operational Risk Department.
Rich graduated from St. John’s University, earning a bachelor’s degree in accounting and his MBA. Outside of the office, he enjoys playing golf and spending time with his wife Allie, and their two children, Jet and Emmie.
Disclosures:
Asset allocation and diversification do not guarantee a profit or protect against a loss in a declining financial market.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
About Ryan Furuya
Ryan joined the Legacy Architects Group in 2022 as a Registered Client Service Associate. His primary responsibilities include client service and communications, portfolio reporting, and account maintenance.
Born and raised in Honolulu, Hawaii, Ryan enjoys reading, motorcycles, and hiking in his spare time
Born and raised in Honolulu, Hawaii, Ryan enjoys reading, motorcycles, and hiking in his spare time
Contact Brandon Park
Contact Geal Talbert
Contact Alexander Fowler
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Clint Eddy
Family Office Resource Generalist
Brent Curlow, CFA, CFP®
Financial Planning Director, Vice President
Wendy Fortenberry
Private Banker
Rosana Vantuyl
Private Banker
Frank LaFerlita
Planning Associate
About Clint Eddy
Clint Eddy is an Executive Director with the Family Office Resources (FOR) team at Morgan Stanley. As a Generalist with FOR he helps clients and Advisors curate and navigate an expansive suite of highly specialized resources to address the complex, multifaceted challenges of managing significant wealth so clients may make complicated decisions confidently.
Prior to joining Morgan Stanley in 2022, Clint was a Wealth Strategist at Merrill Lynch for over 15 years. Clint also practiced tax and business law at the law firm of Fox Rothschild for over six years. He was a member of the firm’s Estate Planning and Tax and Corporate Transactions groups. Clint is a member of Washington State Bar Association (WSBA) and is actively involved in the WSBA’s Real Property, Probate and Trust section. He is the co-author of the Washington Partnership and Limited Liability Company Deskbook and was named a “Rising Star” by Washington Law and Politics magazine.
Clint received his Master of Laws in Taxation from the University of Washington School of Law, his Juris Doctor from the University of Oregon School of Law, and his Bachelor of Arts from the University of Washington. He is Series 7 and 66 licensed.
Outside of work Clint is an avid, but admittedly, pretty awful skier. He and his fiancé live in Seattle with their 10 year old Boston Terrier named Annie.
Prior to joining Morgan Stanley in 2022, Clint was a Wealth Strategist at Merrill Lynch for over 15 years. Clint also practiced tax and business law at the law firm of Fox Rothschild for over six years. He was a member of the firm’s Estate Planning and Tax and Corporate Transactions groups. Clint is a member of Washington State Bar Association (WSBA) and is actively involved in the WSBA’s Real Property, Probate and Trust section. He is the co-author of the Washington Partnership and Limited Liability Company Deskbook and was named a “Rising Star” by Washington Law and Politics magazine.
Clint received his Master of Laws in Taxation from the University of Washington School of Law, his Juris Doctor from the University of Oregon School of Law, and his Bachelor of Arts from the University of Washington. He is Series 7 and 66 licensed.
Outside of work Clint is an avid, but admittedly, pretty awful skier. He and his fiancé live in Seattle with their 10 year old Boston Terrier named Annie.
About Brent Curlow
Brent Curlow is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in San Francisco and Hawaii. He is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Brent began his career in financial services in 2003, and joined Morgan Stanley in 2022. Prior to his current position, he worked at First Hawaiian Bank as an Investment Services Analyst.
Brent graduated from the Wharton School of the University of Pennsylvania and holds his CERTIFIED FINANCIAL PLANNER™ designation and is a CFA charter holder . Brent lives in Honolulu, Hawaii with his wife, Helen. Outside of work, Brent volunteers as Social Chair for CFA Hawaii and Board Director for Financial Planning Association of Hawaii.
Brent began his career in financial services in 2003, and joined Morgan Stanley in 2022. Prior to his current position, he worked at First Hawaiian Bank as an Investment Services Analyst.
Brent graduated from the Wharton School of the University of Pennsylvania and holds his CERTIFIED FINANCIAL PLANNER™ designation and is a CFA charter holder . Brent lives in Honolulu, Hawaii with his wife, Helen. Outside of work, Brent volunteers as Social Chair for CFA Hawaii and Board Director for Financial Planning Association of Hawaii.
About Wendy Fortenberry
Wendy Fortenberry is a Private Banker serving Morgan Stanley Wealth Management offices in San Francisco, California and Hawaii.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Wendy began her career in financial services in 2001, and joined Morgan Stanley in 2015 as a Private Banker. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch.
Wendy is a graduate of San Diego State University, where she received a Bachelor of Arts degree in Economics. She lives in the Bay Area. Outside of the office, Wendy enjoys attending professional baseball games & performing arts events as well as spending time with family and friends.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Wendy began her career in financial services in 2001, and joined Morgan Stanley in 2015 as a Private Banker. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch.
Wendy is a graduate of San Diego State University, where she received a Bachelor of Arts degree in Economics. She lives in the Bay Area. Outside of the office, Wendy enjoys attending professional baseball games & performing arts events as well as spending time with family and friends.
NMLS#: 637424
About Rosana Vantuyl
Rosana Vantuyl is a Private Banker serving Morgan Stanley Wealth Management offices in California.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Rosana began her career in financial services in 2010, and joined Morgan Stanley in 2015 as a Private Banker. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch. She also served as a Real Estate Agent at Zephyr Real Estate.
Rosana is a graduate of the University of Oregon, where she received a Bachelor of Science in Psychology. She lives in San Francisco, California with her family. Outside of the office, Rosana enjoys traveling and volunteering with international service projects.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Rosana began her career in financial services in 2010, and joined Morgan Stanley in 2015 as a Private Banker. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch. She also served as a Real Estate Agent at Zephyr Real Estate.
Rosana is a graduate of the University of Oregon, where she received a Bachelor of Science in Psychology. She lives in San Francisco, California with her family. Outside of the office, Rosana enjoys traveling and volunteering with international service projects.
NMLS#: 637533
About Frank LaFerlita
Frank is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Frank provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from the University of Arizona and received the Financial Planning Specialist® designation from the College for Financial Planning. Frank is originally from Staten Island, New York and currently resides in New York City.
He earned his undergraduate degree from the University of Arizona and received the Financial Planning Specialist® designation from the College for Financial Planning. Frank is originally from Staten Island, New York and currently resides in New York City.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact Legacy Architects Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley 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.
2Morgan 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.
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.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5Morgan 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.
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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.
7Morgan 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.
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*.
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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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Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley 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.
2Morgan 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.
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.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5Morgan 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.
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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.
7Morgan 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.
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.
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Awards Disclosures
CRC 6491812 (04/2024)
