Linda Bell
Financial Advisor,
Financial Planning Associate
Direct:
(410) 527-3348(410) 527-3348
Toll-Free:
(888) 435-2281(888) 435-2281
My Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals. Let's work together to develop your personalized plan.
My Story and Services
As your Financial Advisor, I can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together, I can help you to preserve and grow your wealth. You will have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
About Me:
Linda has worked with four of the leading Wall Street firms. Her time at Alex. Brown & Sons, Merrill Lynch, UBS, and Morgan Stanley, has allowed her to gain the necessary experiences to understand what matters most to clients and how to approach these matters. She is passionate about delivering a premier client experience. Linda's service model and disciplined approach helps clients reach their personal and financial goals. Every client has a unique story. Let Linda help you write yours.
Linda was born and raised in Baltimore and currently resides in the Hunt Valley area along with her husband, Kevin, and together they have four adult children and two dogs.
About Me:
Linda has worked with four of the leading Wall Street firms. Her time at Alex. Brown & Sons, Merrill Lynch, UBS, and Morgan Stanley, has allowed her to gain the necessary experiences to understand what matters most to clients and how to approach these matters. She is passionate about delivering a premier client experience. Linda's service model and disciplined approach helps clients reach their personal and financial goals. Every client has a unique story. Let Linda help you write yours.
Linda was born and raised in Baltimore and currently resides in the Hunt Valley area along with her husband, Kevin, and together they have four adult children and two dogs.
Securities Agent: PA, NH, DC, WV, TX, NJ, DE, VI, VA, MD, AZ, MA, FL, WA, CO, MI, NC, LA, GA, SC, OR, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 1923266
NMLS#: 1923266
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Holistic Financial Planning
Regardless of what phase of life you're in, whether that be moving ahead in your career, enjoying retirement, or somewhere in between, I can help you identify and achieve your financial goals as your Financial Advisor.
Using a suite of tools that includes goal-specific analysis, I can work with you to create a realistic, comprehensive strategy integrating the different aspects of your financial life, including your investments and cash management needs.
I will then be able to create a personal roadmap to help you achieve and protect your specific goals. This framework helps connect your life goals and your financial resources, providing a baseline for future discussions.
Using a suite of tools that includes goal-specific analysis, I can work with you to create a realistic, comprehensive strategy integrating the different aspects of your financial life, including your investments and cash management needs.
I will then be able to create a personal roadmap to help you achieve and protect your specific goals. This framework helps connect your life goals and your financial resources, providing a baseline for future discussions.
2024 Tax Tables
The 2024 Tax Tables outlines this year's tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
Access the 2024 Tax Tables Here
Retirement
Leading up to and through retirement, I can help you identify the most appropriate ways to obtain the income you need and help ensure that you are on track to achieve your financial goals.
Manage Debt
Within my holistic financial planning process, I will evaluate all debts that you may have in order to help determine where you can save on interest and create a timeline for your debt payments by prioritizing which ones should be paid off first.
Insurance
I will evaluate your financial profile to decipher what type(s) of insurance most fit your needs, and determine if your current insurance policies are best suited for you and your goals.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Estate Planning Strategies
Regardless of your current financial circumstances, it is crucial to have a backup plan for your money. We regularly review your finances with you and coordinate with your estate attorney to help ensure that your wishes are met in the most efficient and cost-effective way possible.
Managing Investments
I can effectively manage your retirement accounts and other investments based on your comfort level with risk and your current tax circumstances, tailoring your financial strategy to your unique situation and needs.
Insured Solutions: Protection for the Unexpected
At Morgan Stanley, we offer a robust suite of insurance and annuities solutions backed by its licensed insurance agency affiliates that can aid in safeguarding you and your loved ones.
You're Ready for Retirement. Is Your Portfolio?
The market can influence your decision on when to retire. Learn how to help protect your nest egg, including the potential role of annuities in retirement.
Learn moreModern Wealth Tools
Morgan Stanley's comprehensive suite of digital resources has been carefully designed to help enhance each and every aspect of your financial portfolio. Take some time to learn about some of the many Modern Wealth Management resources that we offer to our clients.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online today
Security Center
Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
Visit our Security Center
Total Wealth View
Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
Learn more about Total Wealth View
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin Risk Engine, a state-of-the-art, innovative risk engine used by several of the world’s largest institutional asset managers, providing you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios. This tool can assist you in making educated investment decisions with increased confidence.
Learn more about the Portfolio Risk Platform
Goals Planning System
A holistic Goals Planning approach helps tailor an investment framework that considers key aspects of our clients' lives, such as retirement age, healthcare costs, home buying, cash management, legacy needs, and potential withdrawal strategies. Once goals are assessed, various investment proposals are considered to help clients get on track in accordance with their risk tolerance. The GPS tool links to the latest asset allocation models, research, and ideas that help us provide our clients with the best possible investment advice.
Learn more about our Goals Planning System
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Enroll TodayUpcoming Firm Events
We hope you will join us for this upcoming event.
2025 Midyear Economic & Investment Outlook
DATE: June 2, 2025 at 12 p.m. ETWhat's in store for the markets and the economy for the rest of 2025? Join us for a midyear conversation with thought leaders from the Morgan Stanley Global Investment Committee—an integrated team of leading market, economic and portfolio management experts from across the Firm. Tune in as they discuss the state of the U.S. economy and the American consumer, economic signals to watch for in the back half of the year, and potential tailwinds or headwinds for various market sectors and industries.
4510865 05/2025
Online
Our Firm's History
Since our founding in 1935, Morgan Stanley has consistently delivered first-class business in a first-class way. Underpinning all that we do are five core values - Do the Right Thing, Put Clients First, Lead with Exceptional Ideas, Commit to Diversity and Inclusion, and Give Back.
Our 85 Year History
Explore our new interactive historical timeline to learn about Morgan Stanley through the decades - from our foundational years to building smarter wealth in modern times.
Learn about our originsA Bank Built on Integrity
A documentary highlighting all of the people and moments that define Morgan Stanley
Explore our historyMorgan Stanley Wealth Management
For 85 years, Morgan Stanley has remained a global leader in the financial services industry, with the scale and stability to help bring you valuable opportunities. Our priority is managing wealth with the highest standard of care and providing premier financial advice to help support your goals at any stage of life.
Learn more about MSWMMorgan Stanley Reserved Living & Giving
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.
See your benefitsClient Service Team
Jacki Cervone - Registered Client Service Associate
Phone:
(410) 229-8269(410) 229-8269
Email:Jaclyn.Cervone@morganstanley.com
A graduate of the University of Dayton, Jacki earned degrees in International Business and Spanish, with a minor in Marketing. She transitioned from a career in Marketing to the Financial Services industry in 2018, as an Investment Operations Specialist for Valmark Financial Group, in Akron Ohio. Jacki joined Morgan Stanley as a Registered Client Service Associate in 2021. In addition to managing the administrative aspects for our client relationships, Jacki coordinates onboarding new clients and works closely with existing clients to enhance their personal experiences and assure access to the unique advantages Morgan Stanley has to offer. Jacki and her husband, Mike, live in Baltimore where they enjoy hiking, travelling, gardening and O’s games.
Kevin R. Bell, CFP®, CRPC® - Vice President, Financial Advisor, Workplace Advisor - Equity Compensation, Insurance Planning Director
Phone:
(410) 229-8217(410) 229-8217
Email:Kevin.Bell@morganstanley.com
For almost four decades, Kevin has been working with successful families and offering thoughtful investment advice. His primary focus is, and has always been, to understand where you are, and where you want to be. Only then can he provide guidance to help solve for your desired outcomes. He and his team leverage the Morgan Stanley’s world class resources to offer sophisticated solutions to help simplify your life.
A graduate of both the McDonogh School and Washington & Lee University, Kevin is recognized by the Financial Planning Board of Standards as a Certified Financial Planner™ (CFP®) and as a Chartered Retirement Planning Counselor (CRPC®) awarded by the College of Financial Planning.
The son of a surgeon, Kevin’s understanding and appreciation of the healthcare industry has led to assignments which include Hospital Boards, Senior Living Facilities, and multiple Physician Practices. He and his team have built, monitored, and managed sophisticated investment pools for Foundations, Endowments, and Qualified Retirement Plans. His private wealth clients benefit from this institutional level knowledge and experience, which has served to strengthen his investment process.
Throughout his career, Kevin has been asked to assume a variety of leadership positions. He has enjoyed leading Financial Advisors as Branch Manager for the UBS in Hunt Valley and for Merrill Lynch in Westminster, Maryland. As a Complex Sales Manager for Merrill Lynch in Baltimore, Kevin was asked to train emerging advisors throughout Maryland, as their Path of Achievement Coach for the Mid-Atlantic Region. Most importantly, he has always had a passion for helping Clients navigate the ever changing financial markets, invest for their retirement, plan for their children’s education, develop charitable gifting strategies, and establish lasting legacies for their family.
A graduate of both the McDonogh School and Washington & Lee University, Kevin is recognized by the Financial Planning Board of Standards as a Certified Financial Planner™ (CFP®) and as a Chartered Retirement Planning Counselor (CRPC®) awarded by the College of Financial Planning.
The son of a surgeon, Kevin’s understanding and appreciation of the healthcare industry has led to assignments which include Hospital Boards, Senior Living Facilities, and multiple Physician Practices. He and his team have built, monitored, and managed sophisticated investment pools for Foundations, Endowments, and Qualified Retirement Plans. His private wealth clients benefit from this institutional level knowledge and experience, which has served to strengthen his investment process.
Throughout his career, Kevin has been asked to assume a variety of leadership positions. He has enjoyed leading Financial Advisors as Branch Manager for the UBS in Hunt Valley and for Merrill Lynch in Westminster, Maryland. As a Complex Sales Manager for Merrill Lynch in Baltimore, Kevin was asked to train emerging advisors throughout Maryland, as their Path of Achievement Coach for the Mid-Atlantic Region. Most importantly, he has always had a passion for helping Clients navigate the ever changing financial markets, invest for their retirement, plan for their children’s education, develop charitable gifting strategies, and establish lasting legacies for their family.
Securities Agent: WV, NY, VI, SC, PA, NJ, FL, MA, DE, DC, NH, NC, MD, NV, VA, TX; BM/Supervisor; General Securities Representative; Investment Advisor Representative
Location
303 International Circle
Ste 500
Hunt Valley, MD 21030
US
Direct:
(410) 527-3348(410) 527-3348
Toll-Free:
(888) 435-2281(888) 435-2281
Fax:
(443) 455-1365(443) 455-1365
Wealth Management
From My Desk
5 Ways to Bolster Your Finances for Any Environment
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Tax-Smart Ways to Sell Securities
How investors can tap their portfolios in tax-savvy ways.
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact Linda Bell today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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.
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 and other legal matters.
7Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards 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.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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.
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 and other legal matters.
7Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards 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)
