Robin Malatino
Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(407) 566-4606(407) 566-4606
Malatino & Associates at Morgan Stanley
Direct:
(407) 566-4600(407) 566-4600
Toll-Free:
(866) 244-1985(866) 244-1985
Our Mission Statement
With extensive experience and world-class service, we provide expert financial guidance to help clients build wealth and achieve their goals.
Our Story and Services
Our clients are a diverse group of individuals and families committed to financial success. They have accumulated wealth and seek professional asset management. Each client approaches us with unique challenges, concerns, and goals, and it’s our job to determine the best financial path forward.
Wealth management of this caliber requires the highest level of attention, knowledge, and resources. That’s why our clients turn to us. We, like them, bring a deep level of commitment to everything we do, and it starts with our relationships. We treat our clients like family, offering a comprehensive model that addresses every aspect of their financial life.
From both sides of the equation, we understand the unique challenges of high and ultra-high net worth: The tax implications. The estate planning. The obstacles business owners face. In fact, we’ve taken on many of these challenges in our own financial lives which means we provide guidance backed by both professional and personal experience.
Whether for you, your family or your business––we’re prepared to help you handle your complex financial lives, overcome your every challenge, and achieve your every goal.
Wealth management of this caliber requires the highest level of attention, knowledge, and resources. That’s why our clients turn to us. We, like them, bring a deep level of commitment to everything we do, and it starts with our relationships. We treat our clients like family, offering a comprehensive model that addresses every aspect of their financial life.
From both sides of the equation, we understand the unique challenges of high and ultra-high net worth: The tax implications. The estate planning. The obstacles business owners face. In fact, we’ve taken on many of these challenges in our own financial lives which means we provide guidance backed by both professional and personal experience.
Whether for you, your family or your business––we’re prepared to help you handle your complex financial lives, overcome your every challenge, and achieve your every goal.
We Believe...
- In protecting you and your family for generations to come. We’re in the stay-rich business, not the get-rich business
- In simplicity guided by experience. We want to streamline your financial plan, not cloud it in complexity
- That proactiveness is our duty
- That farming out your assets to third parties does you a disservice; that’s why we manage all client assets ourselves
- In going beyond the obvious, collaborating with our clients to find creative, effective solutions
- The multigenerational nature of high net worth requires a special type of long term financial planning
Services Include
- Financial PlanningFootnote1
- Estate Planning StrategiesFootnote2
- Retirement PlanningFootnote3
- Asset Management
- Business PlanningFootnote4
- Planning for Education FundingFootnote5
- Cash Management and Lending ProductsFootnote6
- Municipal BondsFootnote7
- Fixed IncomeFootnote8
- Alternative InvestmentsFootnote9
- Wealth ManagementFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Planning For Your Family Financial Needs
As your family grows and your wealth increases, you may face more subtle and profound wealth management issues. As the demands of your family grow and evolve, you will likely need professionals who have expanded capabilities. Our Family Office services will help you manage the complex, multigenerational challenges of managing significant wealth.
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Philanthropic Planning
Your set of Philanthropic objectives is as personal as your vision of a better world. Determining your objectives however, can be challenging when there are so many worthy causes and so many unmet needs.
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Trust & Estate Planning
With you every step of the way. We analyze your tax and estate structures so that their tax characteristics are accurately incorporated in the asset allocation analysis performed for the client.
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Intangible Asset Management
Intangible assets are not physical in nature, but are becoming increasingly important for individuals and companies to consider when looking to grow and generate profits.
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Tax Management
The tax decisions you make today can help you save for years to come. There are many tax smart strategies for your financial plan. The key for boosting long-term investment returns is being smart about tax efficiency.
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Family Governance
Particularly in the case of an ultra high net worth family engaged in a common enterprise, such as running a family business, operating a family office, or simply investing together as a family, it's extremely important to have a sound framework within which to make decisions - in other words, a family governance system.
Intergenerational Wealth Planning
Highly-skilled accountants and estate attorneys are vital to constructing sound wealth-transfer plans, but sometimes it is the matters these experts cannot address that pose the greatest challenges.
Learn MoreWhat We Do
Our guiding principle: Simplicity guided by experience.
We take a family office approach so that your financial strategy is not only coordinated, but comprehensive. We are hands on, have extraordinary customer service and go above and beyond to get the answers you need to help you achieve your goals.
We take a family office approach so that your financial strategy is not only coordinated, but comprehensive. We are hands on, have extraordinary customer service and go above and beyond to get the answers you need to help you achieve your goals.
Complexity Welcome:
Here’s something you don’t hear often: the more complicated your situation is, the better we are for you. We pride ourselves on taking the complex and simplifying it for our clients. After all, the members of our team come from exceptional backgrounds and are well-equipped to do so: Some have run (and sold) companies, others have been heavily involved in corporate finance, and also been involved in mergers and acquisitions. With this deeply-rooted financial experience along with our portfolio management acumen, we’re well-positioned to handle sophisticated clients with complicated financial lives.
Concierge Care:
We believe in providing concierge-level care. Whenever you need us, we’re here. And our team is not just reactive. We are proactive, reaching out to you when we spot a gap, an opportunity or a market event. These are just a few of the reasons that our clients often tell us how impressed they are with our financial insights and level of personal attention.
Financial Planning:
How do we do it? We start by getting to know who you are, what you do, and what makes you tick. We’ll ask about your family and your specific life goals. We’ll then delve into the numbers, reviewing your estates, investments, cash flow and identifying any gaps or updates that need to be addressed. Next, we’ll connect the dots. How can we create a financial plan that gets you where you want to be? Maybe you want to establish your residency in Florida, or perhaps you need to take a closer look at transferring wealth to your children, grandchildren, and beyond. We’ll work with your attorney and accountant so our plan is coordinated, and we won’t stop until the result fits your vision.
Investment Philosophy:
We enjoy digging into the details of evaluation and analysis that goes into choosing equities and bonds in today’s fast-paced market. In terms of our investment philosophy, we believe in managing all of your assets personally. This allows us to offer you complete transparency, maintain a holistic view of your financial picture and keep you informed about the intricacies of your investments.
Our Clients
Our clients expect from us what they expect from themselves: excellence. Each of them has accumulated wealth and seeks professional asset management. They understand the value of a carefully designed process, and of a team that makes them feel, in their own words, “like a family member.”
We work with many multigenerational families. We’re honored to serve the 2nd and 3rd generation of many clients, guiding them through important life stages with an intimate knowledge of their family’s shared values and legacy goals.
When it comes to your money, every decision matters. We don’t take your trust lightly; instead, we work to earn it every day. Our team is your second set of eyes and ears, and we’ll be there to guide you through every challenge – and success – in your financial future.
We work with many multigenerational families. We’re honored to serve the 2nd and 3rd generation of many clients, guiding them through important life stages with an intimate knowledge of their family’s shared values and legacy goals.
When it comes to your money, every decision matters. We don’t take your trust lightly; instead, we work to earn it every day. Our team is your second set of eyes and ears, and we’ll be there to guide you through every challenge – and success – in your financial future.
Florida Residency
The Sunshine State has so much more to offer than sun and fun. Having a Florida domicile can offer several significant tax benefits compared to other states. The two most obvious are the lack of income tax and the lack of estate tax. But leveraging these advantages can be difficult. The process is rife with logistical and bureaucratic complexities, and your current state may even challenge the relocation with an audit.
At Malatino & Associates, we’ve built a team to help guide you through every step of the process. We’ll work hand-in-hand with your accountant and tax attorney to help keep the transition efficient and comprehensive. If needed, we can offer referrals to Florida providers, accountants, and tax attorneys to assist you.
For decades, we’ve been helping retirees, business owners and families leverage all that Florida has to offer. We know what it takes, and we look forward to helping you achieve a seamless transition.
At Malatino & Associates, we’ve built a team to help guide you through every step of the process. We’ll work hand-in-hand with your accountant and tax attorney to help keep the transition efficient and comprehensive. If needed, we can offer referrals to Florida providers, accountants, and tax attorneys to assist you.
For decades, we’ve been helping retirees, business owners and families leverage all that Florida has to offer. We know what it takes, and we look forward to helping you achieve a seamless transition.
Location
8304 Champions Gate Blvd
Champions Gate, FL 33896
US
Direct:
(407) 566-4600(407) 566-4600
Toll-Free:
(866) 244-1985(866) 244-1985
Meet Malatino & Associates
Andrew Zelman
Branch Manager, Financial Advisor, Portfolio Management Director
Phone:
(407) 566-4605(407) 566-4605
Michael Vandiggelen
Vice President, Financial Advisor, Senior Portfolio Manager, CERTIFIED FINANCIAL PLANNER®
Phone:
(407) 566-4608(407) 566-4608
James Malatino
Vice President, Wealth Management, Financial Advisor
Phone:
(407) 566-4610(407) 566-4610
Kyle Antommarchi
Financial Advisor
Phone:
(407) 566-4609(407) 566-4609
Marlia Brown
Wealth Management Associate
Phone:
(407) 566-4600(407) 566-4600
About Robin Malatino
Robin Malatino knows how success is achieved, both in business and the world of investing. It’s about being properly positioned for the multi-faceted challenges and opportunities ahead. This approach takes rigorous planning and superior execution. But just as importantly, it takes passion, compassion and a drive for excellence.
Robin has more than 30 years of professional experience as a Senior Portfolio Management Director, as well as CEO and Chairperson of a public company. Her diverse background, along with a deep understanding of the capital markets, enables Robin and her team to develop customized investment strategies and advise high-net-worth clients in wealth management. Each and every day, she goes above and beyond to offer extraordinary customer service to her clients and their families.
Robin has been recognized as a Forbes Best-In-State Wealth Advisor in 2019, 2020, 2022, 2023 and 2024 and as a Forbes Top Women Advisor in 2020-2024.
She began her career in finance at Gabelli Asset Management Company, one of the top asset managers in the country, as a Portfolio Manager and Vice President. Before joining Morgan Stanley, Robin served as the CEO and Chairperson of Saratoga Beverage Group, a Nasdaq-traded company. Growing the company internationally, she then took it private, along with a private equity group. Robin was recognized in 1998 by the Financial Women’s Association as “Entrepreneur of the Year.”
Throughout her career, Robin has been passionate about causes that benefit animals and children’s health. Along with her husband, she owns a horse farm that breeds and raises thoroughbreds in Saratoga Springs, New York. In her spare time, she enjoys horseracing, golf and pickleball. Robin is a past member of the Committee of 200 and Women’s President Organization, and is a member of the Florida Bar Association. Robin received her Bachelor of Business Administration and Law Degree from the University of Miami.
2019, 2020, 2022, 2023, 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019, 2020, 2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2020-2024 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 2020-2023). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Robin has more than 30 years of professional experience as a Senior Portfolio Management Director, as well as CEO and Chairperson of a public company. Her diverse background, along with a deep understanding of the capital markets, enables Robin and her team to develop customized investment strategies and advise high-net-worth clients in wealth management. Each and every day, she goes above and beyond to offer extraordinary customer service to her clients and their families.
Robin has been recognized as a Forbes Best-In-State Wealth Advisor in 2019, 2020, 2022, 2023 and 2024 and as a Forbes Top Women Advisor in 2020-2024.
She began her career in finance at Gabelli Asset Management Company, one of the top asset managers in the country, as a Portfolio Manager and Vice President. Before joining Morgan Stanley, Robin served as the CEO and Chairperson of Saratoga Beverage Group, a Nasdaq-traded company. Growing the company internationally, she then took it private, along with a private equity group. Robin was recognized in 1998 by the Financial Women’s Association as “Entrepreneur of the Year.”
Throughout her career, Robin has been passionate about causes that benefit animals and children’s health. Along with her husband, she owns a horse farm that breeds and raises thoroughbreds in Saratoga Springs, New York. In her spare time, she enjoys horseracing, golf and pickleball. Robin is a past member of the Committee of 200 and Women’s President Organization, and is a member of the Florida Bar Association. Robin received her Bachelor of Business Administration and Law Degree from the University of Miami.
2019, 2020, 2022, 2023, 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019, 2020, 2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2020-2024 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 2020-2023). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Securities Agent: AZ, WA, CA, NC, IL, CO, AL, NJ, MT, MO, KY, PA, ME, LA, IN, MD, DC, AR, NY, VA, DE, CT, TX, VT, MI, WV, WI, SC, RI, OH, NV, MN, MA, HI, FL, GA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1295679
NMLS#: 1295679
About Andrew Zelman
Andrew Zelman is a Branch Manager and Portfolio Management Director with Malatino & Associates at Morgan Stanley. Andrew’s 30-plus years in business have equipped him with a diverse skillset spanning portfolio management, investment banking, investor relations, business operations and marketing. Now, he channels his wealth of business experience to help clients achieve a wide range of financial objectives.
A graduate of Tufts University, Andrew began his career in the film industry, where he rose to the level of a Director of Public Relations for IMAX Corporation during its successful Initial Public Offering. Later, Andrew became a Director of Business Development for Hitachi. Andrew entered the financial industry as Vice President of Investment Banking at Infusion Capital. He came on board with Morgan Stanley in 2009 and has been with the firm ever since.
Today, Andrew works with a diverse range of high net worth Morgan Stanley clients. Along with his team, he devises customized, comprehensive solutions to help clients address all of their unique goals and objectives. Like the large-scale projects he managed for some of the world’s biggest brands, the large and complex needs of clients require special attention, rigorous planning and careful execution. That’s why he believes in staying hands-on when managing client assets; it allows him to offer superior oversight and transparency at every stage of the process.
All through his career, Andrew has maintained a passion for causes that benefit the health and wellbeing of those less fortunate than himself, both in the US and internationally. In his spare time, Andrew enjoys playing music, cooking, and daily walks with his wife in their town of Celebration, Florida
A graduate of Tufts University, Andrew began his career in the film industry, where he rose to the level of a Director of Public Relations for IMAX Corporation during its successful Initial Public Offering. Later, Andrew became a Director of Business Development for Hitachi. Andrew entered the financial industry as Vice President of Investment Banking at Infusion Capital. He came on board with Morgan Stanley in 2009 and has been with the firm ever since.
Today, Andrew works with a diverse range of high net worth Morgan Stanley clients. Along with his team, he devises customized, comprehensive solutions to help clients address all of their unique goals and objectives. Like the large-scale projects he managed for some of the world’s biggest brands, the large and complex needs of clients require special attention, rigorous planning and careful execution. That’s why he believes in staying hands-on when managing client assets; it allows him to offer superior oversight and transparency at every stage of the process.
All through his career, Andrew has maintained a passion for causes that benefit the health and wellbeing of those less fortunate than himself, both in the US and internationally. In his spare time, Andrew enjoys playing music, cooking, and daily walks with his wife in their town of Celebration, Florida
Securities Agent: VA, WA, WI, WV, WY, PA, VT, OH, NY, NV, OK, IA, AK, VI, ID, KS, OR, NM, NJ, NH, NE, ND, NC, MT, MS, MO, MN, MI, ME, MD, MA, LA, KY, IN, IL, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AR, AL, PR, RI, SC, SD, TN, TX, UT; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1255337
NMLS#: 1255337
About Michael Vandiggelen
Michael Van Diggelen has developed his portfolio management skill and analytical knowledge throughout his career in the financial industry. His experience and background enable Michael to provide clients of Malatino & Associates with a comprehensive and customized approach to their portfolio management objectives. Prior to joining Morgan Stanley, Michael served as a Hedge Fund Analyst. Previously, he worked at Lockheed Martin in the role of Finance Associate.
Michael received Bachelor of Science in Finance, a Master of Business Administration and his Certified Financial Planner designation from the University of Central Florida.
Michael received Bachelor of Science in Finance, a Master of Business Administration and his Certified Financial Planner designation from the University of Central Florida.
Securities Agent: OR, MO, PA, MT, MI, MA, LA, AL, VA, NC, HI, SC, NY, KY, GA, AZ, WA, MN, IN, CT, CO, VT, OH, FL, RI, MD, DE, DC, NV, AR, WV, TX, NJ, ME, IL, CA, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 1297788
NMLS#: 1297788
About James Malatino
James Malatino is a Vice President and Financial Advisor with Malatino & Associates at Morgan Stanley. With a diverse background in finance, business development, marketing, and fundraising in the nonprofit sector, Jim now focuses on crafting and navigating financial plans for executives, retired corporate professionals, and families.
As a Financial Advisor with Malatino & Associates, Jim focuses on working one-on-one with clients to understand their unique concerns and help craft personalized solutions. Leveraging his background in the non-profit sector, he also offers deep insight for clients looking to expand their philanthropic efforts. Like all members of Malatino & Associates, Jim aims to be an around-the-clock financial resource for his clients — whether that means working with their professional network, offering perspective outside his role, explaining a financial complexity, or helping to solve any financial issue that might arise.
After earning his Bachelor’s Degree from Providence College in 2003, Jim entered the financial industry as a Business Development Representative with JPMorgan Chase. He later took a position as Assistant Director for the nonprofit Massachusetts Golf Association, one of the largest state golf associations in the US, overseeing significant growth during his three-year tenure. More recently, he served as Development Officer for the Dana-Farber Cancer Institute, raising nearly half a million dollars for the nonprofit annually.
Outside the office, Jim enjoys golf, playing hockey, skiing and spending time with his wife and children in their town of Celebration, Florida. Deeply committed to his community, he currently volunteers with the Celebration Foundation and is a member of the Rotary Club of Celebration.
As a Financial Advisor with Malatino & Associates, Jim focuses on working one-on-one with clients to understand their unique concerns and help craft personalized solutions. Leveraging his background in the non-profit sector, he also offers deep insight for clients looking to expand their philanthropic efforts. Like all members of Malatino & Associates, Jim aims to be an around-the-clock financial resource for his clients — whether that means working with their professional network, offering perspective outside his role, explaining a financial complexity, or helping to solve any financial issue that might arise.
After earning his Bachelor’s Degree from Providence College in 2003, Jim entered the financial industry as a Business Development Representative with JPMorgan Chase. He later took a position as Assistant Director for the nonprofit Massachusetts Golf Association, one of the largest state golf associations in the US, overseeing significant growth during his three-year tenure. More recently, he served as Development Officer for the Dana-Farber Cancer Institute, raising nearly half a million dollars for the nonprofit annually.
Outside the office, Jim enjoys golf, playing hockey, skiing and spending time with his wife and children in their town of Celebration, Florida. Deeply committed to his community, he currently volunteers with the Celebration Foundation and is a member of the Rotary Club of Celebration.
Securities Agent: LA, KY, CT, CO, WV, FL, AR, WA, TX, MN, AZ, IN, DC, MI, ME, MA, NM, VT, VA, MD, HI, AL, OH, NV, GA, DE, RI, NC, MO, IL, PA, NJ, CA, WI, SC, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 1297871
NMLS#: 1297871
About Kyle Antommarchi
Kyle Antommarchi has cultivated an array of analytical skills through his experience in portfolio management and financial planning. His deep knowledge of portfolio construction, optimization, and risk management, coupled with his client-centric customer service approach, allows Kyle to assist clients in reaching their financial goals.
As a Financial Advisor with Malatino & Associates at Morgan Stanley, Kyle provides clients with financial planning services and, as part of the portfolio management team, implements customized investment strategies based upon individual client needs. Prior to joining Morgan Stanley, Kyle worked as a Financial Solutions Advisor at Merrill Lynch, where he helped clients achieve their financial priorities by creating personalized financial plans and investment portfolios.
Kyle received his Bachelor of Science in Finance from Florida State University. In his spare time, Kyle enjoys playing golf, traveling with his wife to new places, and cooking gourmet food.
As a Financial Advisor with Malatino & Associates at Morgan Stanley, Kyle provides clients with financial planning services and, as part of the portfolio management team, implements customized investment strategies based upon individual client needs. Prior to joining Morgan Stanley, Kyle worked as a Financial Solutions Advisor at Merrill Lynch, where he helped clients achieve their financial priorities by creating personalized financial plans and investment portfolios.
Kyle received his Bachelor of Science in Finance from Florida State University. In his spare time, Kyle enjoys playing golf, traveling with his wife to new places, and cooking gourmet food.
Securities Agent: AZ, MN, AR, NC, MA, DC, CT, CO, VT, TX, SC, PA, MO, LA, IL, CA, WA, NV, NJ, VA, OH, MI, MD, RI, IN, DE, NY, HI, WV, MT, ME, GA, FL, AL, KY, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 1811905
NMLS#: 1811905
About Marlia Brown
Marlia Brown has dedicated her career to providing clients with exceptional service throughout her 20years in the financial industry. Marlia assists clients of Malatino & Associates in the day-to-day operations of their accounts, and timely execution of their financial transactions, while consistently providing the necessary attention to detail to ensure best practices. Prior to joining Morgan Stanley, Marlia served as a Registered Client Service Associate at Baird, a global asset management firm. Marlia began her career in finance at A.G. Edwards in branch operations. She holds the Series 7 and 66 securities registrations, and various insurance licenses.
Marlia's Contact Information:
Phone: 407-566-4602
Email: Marlia.Brown@MorganStanley.com
Marlia's Contact Information:
Phone: 407-566-4602
Email: Marlia.Brown@MorganStanley.com
Contact Robin Malatino
Contact Andrew Zelman
Contact Michael Vandiggelen
Contact James Malatino
Contact Kyle Antommarchi
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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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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 (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
5When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan 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
7Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
8Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
9Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
10Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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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 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.
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 (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
5When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan 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
7Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
8Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
9Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
10Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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)
