Phone:
(919) 877-2413(919) 877-2413
Long View Group at Morgan Stanley
Direct:
(919) 877-2413(919) 877-2413
Toll-Free:
(800) 648-5571(800) 648-5571
Our Mission Statement
Our team develops deep partnership relationships with our clients. We educate, simplify, collaborate, and help you feel empowered and confident about your financial future.
Long View Group
Long View Group at Morgan Stanley dates back to 1998, when Kevin Brown and Gordon Smith merged their respective practices. They made a commitment to work with clients, provide them with the best possible advice on financial planning and investing, and to help them navigate the transitions in their lives. When Gordon retired back in 2015, Kevin knew he wanted to find another partner who shared that same vision, and could help provide a better experience for clients and could care for his clients when he ultimately retired himself.
Sarah Forney joined Long View Group in 2016, bringing with her a wealth of investment experience, energy and passion. Since then, she’s been an invaluable member of the team, providing insight and advice to our clients while engaging their adult children in meaningful ways in terms of financial education and guidance.
After more than 30 years with Morgan Stanley and its predecessor firms, Kevin decided to retire at the end of 2022. Kevin served our clients with dedication and care that was sincere and genuine. Although his function as trusted advisor has ended, the friendships will last a lifetime.
Today, our practice has evolved to incorporate new approaches, including more proactive regular contact, as well as offering financial services that are complementary to our core investment and financial planning work – services such as cash management and lending, insurance, etc. These changes have all been implemented for the purpose of best serving the needs of our clients and helping them achieve their financial goals.
Long View Group will continue to function as a concierge practice within the financially strong, immensely resourced, global company that is Morgan Stanley. We continue to be dedicated to working with families across multiple generations, with an intense focus on individuals in or approaching retirement. Our mission is still to educate, help you simplify your financial life, preserve and grow your wealth, collaborate to solve problems and feel empowered and confident about your financial future, all while navigating life’s transitions along the way.
We truly value our relationship with our clients and look forward to continuing to partner with them in the years and decades to come.
Please see our individual bios for more information on our backgrounds, experience, and involvement in the community.
Disclaimer:
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Sarah Forney joined Long View Group in 2016, bringing with her a wealth of investment experience, energy and passion. Since then, she’s been an invaluable member of the team, providing insight and advice to our clients while engaging their adult children in meaningful ways in terms of financial education and guidance.
After more than 30 years with Morgan Stanley and its predecessor firms, Kevin decided to retire at the end of 2022. Kevin served our clients with dedication and care that was sincere and genuine. Although his function as trusted advisor has ended, the friendships will last a lifetime.
Today, our practice has evolved to incorporate new approaches, including more proactive regular contact, as well as offering financial services that are complementary to our core investment and financial planning work – services such as cash management and lending, insurance, etc. These changes have all been implemented for the purpose of best serving the needs of our clients and helping them achieve their financial goals.
Long View Group will continue to function as a concierge practice within the financially strong, immensely resourced, global company that is Morgan Stanley. We continue to be dedicated to working with families across multiple generations, with an intense focus on individuals in or approaching retirement. Our mission is still to educate, help you simplify your financial life, preserve and grow your wealth, collaborate to solve problems and feel empowered and confident about your financial future, all while navigating life’s transitions along the way.
We truly value our relationship with our clients and look forward to continuing to partner with them in the years and decades to come.
Please see our individual bios for more information on our backgrounds, experience, and involvement in the community.
Disclaimer:
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Managing Your Modern Wealth Portfolio
Morgan Stanley offers a comprehensive suite of tools to manage your wealth more effectively in today's busy world. We strive to ensure we serve our clients with market leading technology platforms that are resilient, safe, efficient, fast, and flexible.
Morgan Stanley Online (MSO)
When you sign up for MSO, you can conveniently and securely manage your account online or on the mobile app.
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Morgan Stanley Mobile App
The Morgan Stanley Mobile App gives you the same capabilities and convenience of Morgan Stanley Online - all from your personal phone. It also offers features to simplify your everyday finances.
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Lifeview
Lifeview is built on Morgan Stanley's intellectual capital and capabilities to provide you with comprehensive investing and planning solutions for your individual goals. Contact us to begin your plan today.
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Total Wealth View (TWV)
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.
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Mike Wilson: Thoughts on the Market
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
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2022 Outlook
Explore the featured articles released by Morgan Stanley forecasting the global economy outlook in 2022
Learn more about the 2022 Outlook
Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program for eligible Morgan Stanley clients designed to deliver additional value beyond wealth management. The program provides access to exclusive offers and discounts from premium brands, as well as curated content from our partners and Morgan Stanley thought leaders.
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The GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
View the GIC WeeklyWorking With You
Basic Beliefs:
• The client’s best interest always comes first
• We act with personal and professional integrity at all times
• Your financial life can be simplified
• We take the Long View
What you can expect of us:
• Proactive, regularly scheduled, meaningful contact
• Rapid response to any questions or concerns
• Multi-generational and fully implemented planning
• Our commitment to helping you/your family achieve success – success as defined by you
What we expect of you:
• Disclosure of all relevant financial information
• Prompt notification of any major events or changes in circumstances that might impact your plan
• Introduction to other trusted advisors so that we may be part of a coordinated plan
• The client’s best interest always comes first
• We act with personal and professional integrity at all times
• Your financial life can be simplified
• We take the Long View
What you can expect of us:
• Proactive, regularly scheduled, meaningful contact
• Rapid response to any questions or concerns
• Multi-generational and fully implemented planning
• Our commitment to helping you/your family achieve success – success as defined by you
What we expect of you:
• Disclosure of all relevant financial information
• Prompt notification of any major events or changes in circumstances that might impact your plan
• Introduction to other trusted advisors so that we may be part of a coordinated plan
Impact Investing is not a One-Size-Fits-All Approach
Environmental, Social & Governance Practice (ESG)
ENVIRONMENTAL PRACTICES:
Climate Disclosure - Disclosing climate footprint, including greenhouse gas emissions, Climate Footprint - Efforts to reducing greenhouse gas emissions, Natural Resource Use - Reducing waste, pollution and stress on water and natural resources.
SOCIAL PRACTICES:
Human Rights - Protecting human rights through policies and compliance with international norms; Employee Treatment - Promoting employee welfare through health and safety, diversity & inclusion, good benefits, employee relations and workplace policies; Customer & Supplier Treatment - Promoting product safety, responsible marketing, customer relations, fair competition and social supply chain management.
GOVERNMENT PRACTICES:
Ethical Practices - Strong ethics and anti-corruption record; Financial Transparency - Corporate transparency on taxes, accounting and executive pay Ownership & Oversight - Board independence, and lack of controlling shareholder concerns; Diversity in Leadership - Diversity in board and executive leadership.
Climate Disclosure - Disclosing climate footprint, including greenhouse gas emissions, Climate Footprint - Efforts to reducing greenhouse gas emissions, Natural Resource Use - Reducing waste, pollution and stress on water and natural resources.
SOCIAL PRACTICES:
Human Rights - Protecting human rights through policies and compliance with international norms; Employee Treatment - Promoting employee welfare through health and safety, diversity & inclusion, good benefits, employee relations and workplace policies; Customer & Supplier Treatment - Promoting product safety, responsible marketing, customer relations, fair competition and social supply chain management.
GOVERNMENT PRACTICES:
Ethical Practices - Strong ethics and anti-corruption record; Financial Transparency - Corporate transparency on taxes, accounting and executive pay Ownership & Oversight - Board independence, and lack of controlling shareholder concerns; Diversity in Leadership - Diversity in board and executive leadership.
Thematic Exposure
CLIMATE CHANGE AND FOSSIL FUEL AWARE INVESTING:
Support the transition to a lower carbon economy by considering exposures to climate solutions, environmental leaders and fossil fuel reserves in portfolios
FAITH-BASED INVESTING:
Align investment portfolio with principles in accordance with specific religious values
GENDER DIVERSITY INVESTING:
Promote better gender diversity and equality through increased exposure to companies committed to employing and advancing women in high-level leadership roles
MISSION ALIGN 360° INVESTING:
Evaluate, align and activate all pools of capital (human, philanthropic and financial) towards the theme of your choice to accomplish your organization’s unique mission statement
Support the transition to a lower carbon economy by considering exposures to climate solutions, environmental leaders and fossil fuel reserves in portfolios
FAITH-BASED INVESTING:
Align investment portfolio with principles in accordance with specific religious values
GENDER DIVERSITY INVESTING:
Promote better gender diversity and equality through increased exposure to companies committed to employing and advancing women in high-level leadership roles
MISSION ALIGN 360° INVESTING:
Evaluate, align and activate all pools of capital (human, philanthropic and financial) towards the theme of your choice to accomplish your organization’s unique mission statement
Delivering Personalized Value
INVESTMENT STRATEGIES: Over 120 approved Investing with Impact products — including exchange-traded funds, mutual funds, separately managed accounts and alternative investment opportunities (for qualified investors).
PORTFOLIO SOLUTIONS: Portfolios tailored to your unique financial and impact goals. Custom and model portfolios provide diversified asset allocation, manager selection and seek to generate positive environmental and social impact in addition to equity-only baskets addressing Morgan Stanley & Co. Global Sustainability Themes.
MORGAN STANLEY GLOBAL IMPACT FUNDING TRUST: The easy-to-use Morgan Stanley Donor Advised Fund multiplies the impact of a client’s charitable giving.
CAPITAL MARKETS: Access offerings incorporating positive impact — including green bonds.
CUSTOM RESTRICTION SCREENING: Advisory accounts can be screened for 31 different issue areas.
ANALYSIS AND THOUGHT LEADERSHIP: Evaluation of sustainable investment strategies from the Global Investment Manager Analysis team plus ideas and insights from Morgan Stanley & Co.
INSTITUTE FOR SUSTAINABLE INVESTING: Focuses on accelerating the adoption of sustainable investing, producing informative insights and developing the next generation of sustainable finance leaders.
Investing With Impact BrochurePORTFOLIO SOLUTIONS: Portfolios tailored to your unique financial and impact goals. Custom and model portfolios provide diversified asset allocation, manager selection and seek to generate positive environmental and social impact in addition to equity-only baskets addressing Morgan Stanley & Co. Global Sustainability Themes.
MORGAN STANLEY GLOBAL IMPACT FUNDING TRUST: The easy-to-use Morgan Stanley Donor Advised Fund multiplies the impact of a client’s charitable giving.
CAPITAL MARKETS: Access offerings incorporating positive impact — including green bonds.
CUSTOM RESTRICTION SCREENING: Advisory accounts can be screened for 31 different issue areas.
ANALYSIS AND THOUGHT LEADERSHIP: Evaluation of sustainable investment strategies from the Global Investment Manager Analysis team plus ideas and insights from Morgan Stanley & Co.
INSTITUTE FOR SUSTAINABLE INVESTING: Focuses on accelerating the adoption of sustainable investing, producing informative insights and developing the next generation of sustainable finance leaders.
Navigating a Woman's World
There's no doubt about it - women face a unique set of financial challenges.
Long View Group at Morgan Stanley intimately understands the power of education and financial literacy on a women’s financial life. As such, we are deeply committed to empowering women with the knowledge and tools needed to achieve their goals.
Navigating a Woman's World, our women’s educational series, is conducted in a fireside chat format. This is specifically developed to take on these challenges in an environment where women can feel comfortable sharing their experiences, fears and questions, while taking away tangible lessons that they can implement.
Review our most recent session "Anatomy of a Recession?" below, or check out our previous topics of discussion:
Long View Group at Morgan Stanley intimately understands the power of education and financial literacy on a women’s financial life. As such, we are deeply committed to empowering women with the knowledge and tools needed to achieve their goals.
Navigating a Woman's World, our women’s educational series, is conducted in a fireside chat format. This is specifically developed to take on these challenges in an environment where women can feel comfortable sharing their experiences, fears and questions, while taking away tangible lessons that they can implement.
Review our most recent session "Anatomy of a Recession?" below, or check out our previous topics of discussion:
Anatomy of a Recession
This year has been one of great volatility, concerns over inflation, supply chains and even a war.
Navigating a Woman's World: Anatomy of a Recession
Demystifying Social Security
Social security appears to be one of the most unknown knowns for many. There are options for widows and divorces and even for filing a spousal benefit for married couples but no one seems to know what they are.
Navigating a Woman's World: Demystifying Social Security
Anatomy of a Recovery
Historically we’ve not seen a recession or recovery that looks quite like this one before. Many believe there is a disconnect between the market’s performance and our economic landscape. There are a number of themes that will drive the market outcome over this next year.
Navigating a Women's World: Anatomy of a Recovery
Anatomy of a Recession
Red streetlights rarely come out of nowhere and are preceded by a yellow caution light. Oncoming recessions are no different. We would like to help you prepare for the next recession.
Navigating a Women's World: Anatomy of a Recession
Market Conversation
Given all we've been through in 2020, let's explore how to navigate 2021.
Click here to see invitation
Planning for Long Term Care
About 70 percent of people over the age of 65 will need long-term care services, and these services may be costly. Are you financially prepared for the cost of long-term care if you should need it? Planning for long-term care now can help give you more choices and more control over how and where you receive care.
Navigating a Woman's World: Demystifying Social Security
Impact Investing
Impacting Investing has become a hot topic. Many don’t actually understand what it means or how to accurately implement it into their investment portfolios.
Navigating a Woman's World: Impact Investing
Harnessing the Power of Women for Women
Explore economics and impact benefits of gender parity, gender lens and how does it fit into impact investing, and how leveraging advocacy and engagement efforts can help address global societal challenges.
Navigating a Woman's World: Power of Women for Women
Are you Financially Fit?
Woman are poised to have a surge in economic power. As such it becomes increasingly important to prepare your financial future – no matter what stage you are in
Navigating a Women's World: Are you Financially Fit?Location
3800 Glenwood Ave
Ste 500
Raleigh, NC 27612
US
Direct:
(919) 877-2413(919) 877-2413
Toll-Free:
(800) 648-5571(800) 648-5571
3800 Glenwood Ave
Ste 500
Raleigh, NC 27612
US
Direct:
(919) 788-1120(919) 788-1120
Meet Long View Group
Samuel Bower
Client Service Associate
Phone:
(336) 271-4349(336) 271-4349
About Sarah C. Forney
Sarah grew up sailing on the Long Island Sound in Connecticut. She went on to help run the community sailing program there and joined their nonprofit board at 18 years old. She served on the board and in other related roles for a number of years. Today, Sarah still stays plugged into the nonprofit world, especially related to domestic violence, human trafficking, hunger and financial literacy continues to be a priority. Sarah focuses on advocating for women and children, education and (financial) literacy and enjoys related speaking opportunities.
Sarah received her Bachelor of Science, with a concentration in Economics and Finance, from the University of North Carolina at Wilmington and a Master of Business Administration, with a concentration in Finance and Management, from the University of Connecticut. Sarah started her career working with high net worth individuals and family foundations before spending nearly a decade working with institutional clients (predominately endowments and foundations). She has over two decades of investment management experience and has held roles ranging from client service to business development to project management.
Sarah is a wife and Mom to a young son and French Bulldog. She enjoys all things culinary with her family. She is also an avid snowboarder and loves water activities including: sailing, wakeboarding, and stand up paddle boarding (SUP).
Sarah received her Bachelor of Science, with a concentration in Economics and Finance, from the University of North Carolina at Wilmington and a Master of Business Administration, with a concentration in Finance and Management, from the University of Connecticut. Sarah started her career working with high net worth individuals and family foundations before spending nearly a decade working with institutional clients (predominately endowments and foundations). She has over two decades of investment management experience and has held roles ranging from client service to business development to project management.
Sarah is a wife and Mom to a young son and French Bulldog. She enjoys all things culinary with her family. She is also an avid snowboarder and loves water activities including: sailing, wakeboarding, and stand up paddle boarding (SUP).
Securities Agent: CO, MA, WV, OH, KS, GA, AZ, CT, PA, CA, FL, TX, NH, NC, MI, VA, NJ, SC, NY, MS, LA; General Securities Representative; Investment Advisor Representative
NMLS#: 1605679
NMLS#: 1605679
Contact Sarah C. Forney
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
Kristina Shifflett
Private Banker
About Kristina Shifflett
Kristina Shifflett is a Private Banker serving Morgan Stanley Wealth Management offices in North Carolina and Virginia.
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.
Kristina began her career in financial services in 1995, and joined Morgan Stanley in 2005 as a Client Service Associate. Prior to joining the firm, she was an Operations Manager at Wachovia Securities.
Kristina lives in Raleigh, North Carolina with her dog Rosco. Outside of the office, she enjoys traveling, spending time with her children, puzzles, baking, gardening, and crafting.
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.
Kristina began her career in financial services in 1995, and joined Morgan Stanley in 2005 as a Client Service Associate. Prior to joining the firm, she was an Operations Manager at Wachovia Securities.
Kristina lives in Raleigh, North Carolina with her dog Rosco. Outside of the office, she enjoys traveling, spending time with her children, puzzles, baking, gardening, and crafting.
NMLS#: 1709833
Private Bankers, Ultra High Net Worth (“UHNW”) Sales Specialists, Lending Advisors, Mortgage Consultants, Relationship Managers, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
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
Article Image
Ready to start a conversation? Contact Long View Group today.
1Morgan 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.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3The 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.
4Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 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
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3The 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.
4Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 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), 3582895 (6/2024)
