Courtney Lisecki, CFP®
Senior Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist, CERTIFIED FINANCIAL PLANNER®, Portfolio Management Director
Phone:
(212) 492-6931(212) 492-6931
Lion Wealth Management Group at Morgan Stanley
Direct:
(212) 492-6925(212) 492-6925
Our Mission Statement
We strive to provide custom-tailored financial advice designed to give clients and their families the confidence and peace of mind to achieve their goals and aspirations.
About Us
At The Lion Wealth Management Group, we focus on what is most important to you, your family and your future. We provide the personalized service, problem-solving skills and world-class resources needed to help you make more informed and confident decisions about your wealth.
Above all, we commit to making a meaningful difference in your life through the delivery of five core values that have become the hallmark of our practice:
• Deep and caring relationships that span generations
• Competence through extensive experience
• Proven processes that drive results
• A focus on education for ourselves and our clients
• A pledge to ongoing, proactive service
With or passion and perseverance, we deliver a standard of care that puts you in the center of every decision. We are dedicated to earning your trust every day through a powerful combination of wisdom, knowledge and experience. Above all, we strive to ensure every client feels like our only client.
Getting started is easy. It begins with a conversation. As our name implies, we look forward to discussing how we can support and enhance the lifestyle and legacy you envision for you, your children and your grandchildren now and for years to come.
We look forward to hearing from you soon.
Above all, we commit to making a meaningful difference in your life through the delivery of five core values that have become the hallmark of our practice:
• Deep and caring relationships that span generations
• Competence through extensive experience
• Proven processes that drive results
• A focus on education for ourselves and our clients
• A pledge to ongoing, proactive service
With or passion and perseverance, we deliver a standard of care that puts you in the center of every decision. We are dedicated to earning your trust every day through a powerful combination of wisdom, knowledge and experience. Above all, we strive to ensure every client feels like our only client.
Getting started is easy. It begins with a conversation. As our name implies, we look forward to discussing how we can support and enhance the lifestyle and legacy you envision for you, your children and your grandchildren now and for years to come.
We look forward to hearing from you soon.
Services Include
- Wealth ManagementFootnote1
- 401(k) Rollovers
- 529 PlansFootnote2
- AnnuitiesFootnote3
- Asset Management
- Endowments and FoundationsFootnote4
- Estate Planning StrategiesFootnote5
- Financial PlanningFootnote6
- Fixed IncomeFootnote7
- Philanthropic Services
- Professional Portfolio ManagementFootnote8
- Qualified Retirement PlansFootnote9
- Sustainable InvestingFootnote10
- Trust AccountsFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working Mother Magazine: "Top 200 Wealth Advisor Moms"
• Forbes America's Top Women Wealth Advisors – Courtney Lisecki has been recognized in Forbes as one of the top women wealth advisors in the country for 2022, 2021 & 2020.
(2022, 2021 & 2020.) Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2024, 2023, 2022, 2021 & 2020.). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
(2022, 2021 & 2020.) Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2024, 2023, 2022, 2021 & 2020.). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
• Working Mother and Shook Research's Top Wealth Advisor Mother - Courtney Lisecki has been recognized in Working Mother magazine as one of the top wealth advisor mothers in the country for 2021, 2020, 2019, 2018 and 2017.
(2021, 2020, 2019, 2018 and 2017) Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2021, 2020, 2019, 2018 and 2017). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
(2021, 2020, 2019, 2018 and 2017) Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded October 2021, 2020, 2019, 2018 and 2017). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
• Forbes Best-In-State Wealth Advisors – Courtney Lisecki has been recognized in Forbes as one of the top Best-In-State Wealth advisors for 2022 & 2023.
2022,2023,2024 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2022,2023,2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2022,2023,2024 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2022,2023,2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
CUSTOMIZED SOLUTIONS
As your wealth grows, so does its complexities and the resources needed to manage it effectively. We leverage our experience and relationships to deliver innovative strategies that are tailored to your needs. We look forward to speaking with you to understand your challenges, so we may map out a strategy to achieve your particular priorities and goals.
Retirement Planning
One of our key areas of strength is helping you prepare for and thrive in retirement. From IRAs to RMDs, we manage the complexities of your comprehensive retirement plan assets, helping you easily transition to the next phase of your life with security and confidence.
Wealth Management
Wealth management brings all the dimensions of your life together. We listen carefully to understand the connections across your personal life, your family, your career, and your legacy goals to develop an integrated strategy that is uniquely yours.
401(k) Rollovers
If you have a 401(k) from a previous job, we make it easy to consolidate your assets into one account so you can monitor your progress and investment results all in one place. This helps simplify your financial life, keeps you organized and helps make your money work harder for you.
Estate Planning Strategies
Delivering an estate to the next generation or favorite charity requires more attention than families often realize. We coordinate with your estate and tax professionals to align your legacy goals with the appropriate asset titling and beneficiary designation requirements, incorporating best practices to help enhance results.
Life Insurance
Life’s risks can manifest themselves in many ways – from loss of life to loss of health – and have the potential to impair the efficiency of a thoughtfully developed plan. We proactively help address these concerns in a number or ways, ranging from insurance reviews to liquidity strategies.
Lending Products
We believe it’s important to consider all aspects of your finances when building your plan for the future. We offer a broad array of lending solutions that work together to complement your existing investment strategy – from flexible lines of credit and home mortgages to state-of-the-art cash management systems.
PROFESSIONAL PORTFOLIO MANAGEMENT
There comes a point when managing one's assets turns into a full-time job. As your life evolves and grows more complex, your financial strategy- and the options for implementing that strategy- tends to grow in complexity as well. In such circumstances, it makes sense to work with an experienced professional who understands your financial needs and can dedicate the time and resources necessary to help you meet them.
Our team works closely with you to understand your needs while maintaining the focus and commitment necessary to guide your portfolio in the most challenging market cycles. Outlined below is our disciplined four-step investment process, which underpins our portfolio management program and helps develop a long-term perspective about helping build and manage wealth.
Our team works closely with you to understand your needs while maintaining the focus and commitment necessary to guide your portfolio in the most challenging market cycles. Outlined below is our disciplined four-step investment process, which underpins our portfolio management program and helps develop a long-term perspective about helping build and manage wealth.
1: Establish Financial Objectives
We begin our process by working with you to establish a realistic set of objectives based on your financial goals, time horizon, liquidity needs and tolerance to volatility and risk.
2: Define Investment Strategy
Once we have a firm understanding of your objectives, we develop an investment strategy designed to help produce optimal portfolio performance: the highest return potential consistent with the strategy's level of risk.
3: Evaluate and Select Investments
Our goal is to construct a plan which encompasses virtually every important detail of your life. Leveraging the global resources of Morgan Stanley, we begin selecting investments to implement your personal strategy.
4: Ongoing Review Process
We meet regularly to make sure your plan remains current and to review your progress. We track your portfolio's performance relative to your stated objectives- and modify the portfolio on a discretionary basis as your needs and circumstances change overtime.
MANAGING YOUR MONEY IN A DIGITIAL WORLD
We offer a comprehensive suite of tools to manage your wealth more effectively in today’s busy world. We are happy to assist you in signing up for any of these services.
Morgan Stanley Online (MSO)
When you sign up for MSO, you can conveniently and securely manage your account online or on your mobile device.
Learn More or Log In
Goals Planning System (GPS)
GPS is our financial planning software. It helps define what you want out of life, so we can create a financial framework to bring these goals to fruition.
Learn More
Morgan Stanley Mobile App
The Morgan Stanley Mobile App gives you the same capabilities as Morgan Stanley Online – all from the convenience of your own phone. It also offers features to simplify your everyday finances. These include mobile check deposit and Send Money with Zelle, a convenient way to send and receive money
Learn More
E-Authorization
With E-Authorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a wire transfer request.
Learn More
Total Wealth View
With this service, you can view all your assets and liabilities together – whether held at Morgan Stanley or elsewhere – in one place for a comprehensive overview of your assets.
Learn More
E-Sign
E-Sign is a digital, paperless alternative to the traditional means of obtaining signatures for necessary paperwork. There is no registration process to begin using E-Sign – all you need is a valid email address and phone number.
Learn MoreLocation
55 East 52nd Street 10th
Fl
New York, NY 10055
US
Direct:
(212) 492-6925(212) 492-6925
Meet Lion Wealth Management Group
Christopher Podskoc, CFA, CFP®
Senior Vice President, Financial Advisor, Senior Portfolio Manager, CERTIFIED FINANCIAL PLANNER®, Chartered Financial Analyst
Phone:
(212) 492-6930(212) 492-6930
Idalia B. Reyes
Senior Client Service Associate
Phone:
(212) 492-6925(212) 492-6925
Alexander Kim
Consulting Group Analyst, Financial Planning Specialist
Phone:
(212) 492-6770(212) 492-6770
About Courtney Lisecki
Courtney Lisecki
Senior Vice President, Wealth Management
Financial Advisor
Financial Planning Specialist
Certified Financial Planner™ (CFP®)
Portfolio Manager Director
A founding partner of the Lion Wealth Management Group at Morgan Stanley, Courtney started her career as an intern at Dean Witter in the fall 1987 and has experienced all types of markets. She serves as a Relationship Manager designing and implementing wealth management strategies for clients including financial modeling and asset allocation analyses. Courtney works closely with clients and their legal and tax professionals to achieve results. She has held a Certified Financial Planner™ (CFP®) designation for over 20 years. As a third generation female investor, Courtney has acquired a broad perspective of the investment process in various financial environments. Courtney especially enjoys working with multi-generational families to achieve their goals.
Courtney grew up in Wyckoff, NJ and graduated from Muhlenberg College with a BA in Business Administration. Courtney has been a member of the Junior League of Bergen County for 25 years. She has served a various leadership roles including President, Festival of Trees Chair, and Sustainer Chair. Courtney and her husband Paul currently reside in Ho-Ho-Kus, NJ. Courtney and Paul are active travelers and enjoy spending time with their three children in community activities including sports, school and charitable organizations.
Senior Vice President, Wealth Management
Financial Advisor
Financial Planning Specialist
Certified Financial Planner™ (CFP®)
Portfolio Manager Director
A founding partner of the Lion Wealth Management Group at Morgan Stanley, Courtney started her career as an intern at Dean Witter in the fall 1987 and has experienced all types of markets. She serves as a Relationship Manager designing and implementing wealth management strategies for clients including financial modeling and asset allocation analyses. Courtney works closely with clients and their legal and tax professionals to achieve results. She has held a Certified Financial Planner™ (CFP®) designation for over 20 years. As a third generation female investor, Courtney has acquired a broad perspective of the investment process in various financial environments. Courtney especially enjoys working with multi-generational families to achieve their goals.
Courtney grew up in Wyckoff, NJ and graduated from Muhlenberg College with a BA in Business Administration. Courtney has been a member of the Junior League of Bergen County for 25 years. She has served a various leadership roles including President, Festival of Trees Chair, and Sustainer Chair. Courtney and her husband Paul currently reside in Ho-Ho-Kus, NJ. Courtney and Paul are active travelers and enjoy spending time with their three children in community activities including sports, school and charitable organizations.
Securities Agent: PA, NJ, NC, IL, DC, CT, TX, OR, NH, MA, IA, GA, VT, NY, WA, SC, MI, ME, CO, AZ, RI, OH, FL, MD, CA, VI, VA; General Securities Representative; Investment Advisor Representative
NMLS#: 1274596
NMLS#: 1274596
About Christopher Podskoc
Christopher B. Podskoc
First Vice President, Wealth Management
Financial Advisor
Chartered Financial Analyst (CFA)
Certified Financial Planner™ (CFP®)
Senior Portfolio Manager
Chris started his career in 1996 and has been a financial advisor since 2001. As a founding partner of the Lion Wealth Management Group at Morgan Stanley, Chris Podskoc works with individuals, families and institutions to develop investment strategies that help them meet their goals. Chris’s skills and experience through changing market cycles enable him to advise clients as they navigate the changes they encounter transitioning through different stages of their financial lives.
Chris is a Chartered Financial Analyst (CFA) and Certified Financial Planner™ (CFP®). He is also licensed in life and health insurance. These designations are integral in designing financial planning solutions and overseeing the design of the team’s customized portfolio management strategies. Chris grew up in Somerset, NJ and graduated from Bucknell University with a BS in Civil Engineering. Chris and his wife Danielle currently live in NYC. They are active travelers and enjoy outdoor activities. Chris is a member of the CFA Institute.
First Vice President, Wealth Management
Financial Advisor
Chartered Financial Analyst (CFA)
Certified Financial Planner™ (CFP®)
Senior Portfolio Manager
Chris started his career in 1996 and has been a financial advisor since 2001. As a founding partner of the Lion Wealth Management Group at Morgan Stanley, Chris Podskoc works with individuals, families and institutions to develop investment strategies that help them meet their goals. Chris’s skills and experience through changing market cycles enable him to advise clients as they navigate the changes they encounter transitioning through different stages of their financial lives.
Chris is a Chartered Financial Analyst (CFA) and Certified Financial Planner™ (CFP®). He is also licensed in life and health insurance. These designations are integral in designing financial planning solutions and overseeing the design of the team’s customized portfolio management strategies. Chris grew up in Somerset, NJ and graduated from Bucknell University with a BS in Civil Engineering. Chris and his wife Danielle currently live in NYC. They are active travelers and enjoy outdoor activities. Chris is a member of the CFA Institute.
Securities Agent: RI, ME, IL, CT, WA, VI, OH, IA, DE, DC, AZ, NJ, NC, NY, OR, MI, CA, NH, GA, VA, TX, MD, CO, SC, PA, MA, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1390861
NMLS#: 1390861
About Idalia B. Reyes
Idalia B. Reyes
Senior Client Service Associate
Idalia has been part of the Lion Wealth Management Group for the last 29 years. Idalia started as an intern in Wertheim Schroders in 1992 and soon after became part of the team. Her role is to oversee the team's client service, marketing and administrative processes. Idalia is responsible for maintaining continuity and efficiency with all aspects of the team's operation and the Lion Wealth Management Group's clients. She has dedicated herself to creating premier service environment for all clients of the team. Idalia's priority is facilitating all client and administrative request quickly, efficiently and providing exceptional service. She has a strong commitment to the Lion Wealth Management Group's clients.
Idalia graduated Cum Laude from CUNY- School of Professional Studies with a Bachelor of Arts Degree in Communication and Media. In her spare time, she enjoys spending time with her dog Aurora, traveling, playing tennis and being an active member in the Keep a Child Alive Foundation.
Senior Client Service Associate
Idalia has been part of the Lion Wealth Management Group for the last 29 years. Idalia started as an intern in Wertheim Schroders in 1992 and soon after became part of the team. Her role is to oversee the team's client service, marketing and administrative processes. Idalia is responsible for maintaining continuity and efficiency with all aspects of the team's operation and the Lion Wealth Management Group's clients. She has dedicated herself to creating premier service environment for all clients of the team. Idalia's priority is facilitating all client and administrative request quickly, efficiently and providing exceptional service. She has a strong commitment to the Lion Wealth Management Group's clients.
Idalia graduated Cum Laude from CUNY- School of Professional Studies with a Bachelor of Arts Degree in Communication and Media. In her spare time, she enjoys spending time with her dog Aurora, traveling, playing tennis and being an active member in the Keep a Child Alive Foundation.
About Alexander Kim
Alexander Kim Started his career in 2008 and started as a Financial Advisor for Morgan Stanley in 2012 serving his clients for over 11 years. Alexander now joins the Lion Wealth Management Group as the Consulting Group Analyst, specializing in working with clients to achieve wholistic financial planning through the use and leverage of firm resources. Alexander’s experience and expertise allows for clients to engage in conversations around overlooked opportunities in their financial life that could lead to optimization, efficiency and organization.
Alexander graduated from Loyola University in 2008 and currently resides in New York with his wife and baby.
Alexander graduated from Loyola University in 2008 and currently resides in New York with his wife and baby.
Contact Courtney Lisecki
Contact Christopher Podskoc
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
Are You Prepared for Tax Day?
Article Image
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
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact Lion Wealth Management 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Morgan 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.
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.
6Morgan 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.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Morgan 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.
9When 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.
10The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
11Morgan 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
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Morgan 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.
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.
6Morgan 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.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8Morgan 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.
9When 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.
10The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
11Morgan 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.
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Awards Disclosures
CRC 6491812 (04/2024)
