Sarah A. Rigatti, CFP®
Assistant Vice President, Wealth Management Associate, Financial Planning Specialist
Phone:
(412) 803-2119(412) 803-2119
Marc T. McCarey, CRPC®, CEPA®
Senior Vice President,
Financial Advisor,
Portfolio Management Director
Direct:
(412) 434-8557(412) 434-8557
My Mission Statement
Simplicity. Transparency. Accountability. Wealth Management, as it should be.
MY PRACTICE AND MY STORY
MY PRACTICE
As a life-long resident of Pittsburgh, I know that family is important to those of us living in our region. That’s why I treat my clients as if they are extended family members. My approach is highly personalized; it includes remembering your birthday or other milestones in your life. It means developing meaningful relationships that go beyond managing wealth. I’m often the first person clients call when their family is dealing with a crisis. I’ve spent many evenings and weekends sitting at dining room tables, guiding families through difficult situations.
My family-centric approach is also reflected in my investment style. I manage my clients’ money in the same way I manage my own. I’m conservative; I don’t chase performance or trends. I believe in transparency; I’m upfront about fees and other important details. I embrace simplicity; while the financial world is complex, I will discuss your portfolio in an easy-to-understand, jargon-free manner.
I will regularly stay in touch by phone, email or video conference call – whichever you prefer. This includes during turbulent periods in the market, when I feel it’s my responsibility to keep you informed about what’s going on, as well as to ease any anxiety you may be feeling. Just like a family member would.
I invite you to learn more about me and my team, and I look forward to meeting you.
MY STORY
I am a Senior Vice President, a Portfolio Management Director and a Financial Advisor who began my career in the wealth management industry in 2010. I hold a Certified Exit Planning Advisor (CEPA®) and a Chartered Retirement Planning Counselor (CRPC®) designation. As a CEPA® professional, I advise small business owners about important matters such as succession planning, while also addressing their personal wealth management needs. With my CRPC® certification, I am better prepared to deal with the increasingly complex concerns regarding retirement planning.
I’ve been honored multiple times, including most recently being recipient of the 2024 Forbes Best-In-State Next-Gen Wealth Advisor Award and the 2021 Five Star Wealth Advisor Award.
I graduated from the University of Pittsburgh’s College of Business Administration with degrees in Finance and Marketing. I reside in Canonsburg, Pennsylvania with my wife, Shannon and our children, Lyla and Cameron. I am an avid supporter of The American Society for the Prevention of Cruelty to Animals (ASPCA®), and proudly volunteer as a golf coach for Special Olympics Pennsylvania.
Award Disclosures
Forbes Top Next-Gen Wealth Advisors Best-in-State (2024)
Source: Forbes.com (Awarded Aug 2024) Data compiled by SHOOK Research LLC for the period 3/31/23 - 3/31/24.
Five Star Wealth Advisor Award (2021)
This award was issued in [2021]. The award was determined based on an evaluation process conducted by Five Star Professional based on objective criteria from the time period 09/7/2020 through 04/23/2021.
https://www.morganstanley.com/disclosures/awards-disclosure.html
As a life-long resident of Pittsburgh, I know that family is important to those of us living in our region. That’s why I treat my clients as if they are extended family members. My approach is highly personalized; it includes remembering your birthday or other milestones in your life. It means developing meaningful relationships that go beyond managing wealth. I’m often the first person clients call when their family is dealing with a crisis. I’ve spent many evenings and weekends sitting at dining room tables, guiding families through difficult situations.
My family-centric approach is also reflected in my investment style. I manage my clients’ money in the same way I manage my own. I’m conservative; I don’t chase performance or trends. I believe in transparency; I’m upfront about fees and other important details. I embrace simplicity; while the financial world is complex, I will discuss your portfolio in an easy-to-understand, jargon-free manner.
I will regularly stay in touch by phone, email or video conference call – whichever you prefer. This includes during turbulent periods in the market, when I feel it’s my responsibility to keep you informed about what’s going on, as well as to ease any anxiety you may be feeling. Just like a family member would.
I invite you to learn more about me and my team, and I look forward to meeting you.
MY STORY
I am a Senior Vice President, a Portfolio Management Director and a Financial Advisor who began my career in the wealth management industry in 2010. I hold a Certified Exit Planning Advisor (CEPA®) and a Chartered Retirement Planning Counselor (CRPC®) designation. As a CEPA® professional, I advise small business owners about important matters such as succession planning, while also addressing their personal wealth management needs. With my CRPC® certification, I am better prepared to deal with the increasingly complex concerns regarding retirement planning.
I’ve been honored multiple times, including most recently being recipient of the 2024 Forbes Best-In-State Next-Gen Wealth Advisor Award and the 2021 Five Star Wealth Advisor Award.
I graduated from the University of Pittsburgh’s College of Business Administration with degrees in Finance and Marketing. I reside in Canonsburg, Pennsylvania with my wife, Shannon and our children, Lyla and Cameron. I am an avid supporter of The American Society for the Prevention of Cruelty to Animals (ASPCA®), and proudly volunteer as a golf coach for Special Olympics Pennsylvania.
Award Disclosures
Forbes Top Next-Gen Wealth Advisors Best-in-State (2024)
Source: Forbes.com (Awarded Aug 2024) Data compiled by SHOOK Research LLC for the period 3/31/23 - 3/31/24.
Five Star Wealth Advisor Award (2021)
This award was issued in [2021]. The award was determined based on an evaluation process conducted by Five Star Professional based on objective criteria from the time period 09/7/2020 through 04/23/2021.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Services Include
- Wealth ManagementFootnote1
- 401(k) Rollovers
- Financial PlanningFootnote2
- Executive Financial ServicesFootnote3
- Estate Planning StrategiesFootnote4
- Trust AccountsFootnote5
- Corporate BondsFootnote6
- Municipal BondsFootnote7
- AnnuitiesFootnote8
- Cash Management and Lending ProductsFootnote9
- Alternative InvestmentsFootnote10
- Life InsuranceFootnote11
- Long-term Care InsuranceFootnote12
- Planning for Education FundingFootnote13
- UGMA/UTMAFootnote14
- Qualified Retirement PlansFootnote15
Securities Agent: AL, OH, OK, ME, IL, NJ, MI, KY, KS, WV, VA, TX, MD, IN, ID, FL, CT, NC, MS, GA, TN, SC, LA, AZ, NV, CA, PA, NY, MA, CO; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1312559
NMLS#: 1312559
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
WORKING WITH YOU:
As your dedicated wealth management team, our role is to tailor a personalized financial strategy which fits your needs. In our experience working with clients, we have developed a step-by-step approach to service:
Discovery Process
We take the time to fully understand you and your family. Whether you're planning for retirement, purchasing a home, or living out your golden years – we consider all of your challenges, goals, and aspirations when building your financial picture.
Forming Your Strategy
Using your life goals as our compass, we create a risk-balanced strategy which maps a clear path to achieving your success.
Implementing Your Plan
We apply extensive research and analysis, and also utilize Morgan Stanley's full suite of resources, to ensure swift decisive action in all market scenarios.
Measuring Your Success
We check in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards your goals. Our ultimate mission is your success and well-being.
Working With Your Advisors
We can consult with your other trusted advisors—such as your CPA or estate attorney—to better ensure all components of your financial life are working in harmony for you, while also streamlining communications between your advisors. If you don't have a CPA or estate attorney, we'll be happy to recommend professionals from our network.
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 help achieve your particular priorities and goals.
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.
Retirement Planning
The decisions you make about your workplace retirement plan can benefit you for years to come. I'll help you understand and put your resources to work, so you can plan, invest, and ultimately transition to retirement with confidence.
Financial Planning
The cornerstone of an effective wealth management plan is comprehensive financial planning, which captures your goals, resources and expectations for the future. Effective planning can potentially lead to successful education and retirement income funding. It helps eliminate blind spots, and helps ensure legacy goals are met.
Estate Planning Strategies
Working with your professional advisors, we can advise and assist with ensuring your savings is passed on to your desired heirs and charities.
Business Planning
Business owners retire, too. And the worst time to sell your business is when you're forced to sell it.
We'll develop a proactive exit strategy that makes sense for you, and potentially builds transferable value for your company. Even if you're not ready for succession planning, we can assist with other aspects of your business, including identifying opportunities for growth, minimizing your tax impact and establishing SIMPLE IRA or 401(k) plans to better enable you to attract and retain quality employees.
Additionally, many owners are so invested in the daily operations of their business they neglect their personal finances. We can structure a personal portfolio that aligns well with your business plan, while also taking care of your family for the future.
RESOURCES
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources meant to transform complex financial analysis and research.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Our Asset Aggregation Tool
View all your external financial accounts directly in Morgan Stanley Online or the mobile app. By linking your accounts, you'll benefit from more informed wealth planning, secure data access and convenient connectivity.
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Insights for Market Research
We are here to help you navigate the current market environment and what it means for portfolios. These are some resources meant to transform complex financial analysis and research into concise and easily digestible content. The links below offer insight into the modern market and economic landscape.
Global Investment Committee Weekly Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
On the Market
Market Insights available to help articulate the capabilities of Morgan Stanley as the destination of choice for latest on the market.
Investment Research
Through timely, in-depth analysis of companies, industries, markets, and world economies, Morgan Stanley has earned its reputation as a leader in the field of investment research.
Thoughts On The Market Podcast
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.
Cybersecurity Resources
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Sustainability at Morgan Stanley
Stay up to date with the latest publications from Morgan Stanley on sustainable investing. Our sustainability strategy is focused on helping clients achieve their sustainability-related ambitions by providing advice, products and solutions.
Location
One Ppg Place
Ste 1300
Pittsburgh, PA 15222
US
Direct:
(412) 434-8557(412) 434-8557
Meet My Team
Andrea Cipriani
Senior Registered Client Service Associate
Phone:
(412) 392-5041(412) 392-5041
About Sarah A. Rigatti
As a CERTIFIED FINANCIAL PLANNER™ (CFP®) professional, Sarah develops and implements custom-tailored financial plans that help clients achieve their unique goals, protect what’s meaningful to them and live their best possible lives.
With her extensive knowledge of Morgan Stanley’s vast planning resources and industry-leading capabilities, she delivers a process and experience that’s both holistic and custom-tailored for each client. Realizing that every client’s situation is different, Sarah develops a thorough understanding of their needs, aspirations, lifestyle and family to better help them navigate their journey and attain financial success.
Sarah began her career in financial services in 2015. Before joining Morgan Stanley in 2019, she served as a Registered Associate at J.P. Morgan.
Sarah graduated from Robert Morris University’s School of Business with a degree in Finance. She’s a native of Hudson, OH and currently resides in Collier Township, PA with her husband, Dave. In her spare time, Sarah enjoys golfing, outdoor activities and spending time with her family.
With her extensive knowledge of Morgan Stanley’s vast planning resources and industry-leading capabilities, she delivers a process and experience that’s both holistic and custom-tailored for each client. Realizing that every client’s situation is different, Sarah develops a thorough understanding of their needs, aspirations, lifestyle and family to better help them navigate their journey and attain financial success.
Sarah began her career in financial services in 2015. Before joining Morgan Stanley in 2019, she served as a Registered Associate at J.P. Morgan.
Sarah graduated from Robert Morris University’s School of Business with a degree in Finance. She’s a native of Hudson, OH and currently resides in Collier Township, PA with her husband, Dave. In her spare time, Sarah enjoys golfing, outdoor activities and spending time with her family.
About Andrea Cipriani
As a highly experienced Senior Registered Client Service Associate, Andrea is committed to providing exceptional service to high net worth individuals and families. After working in the financial services industry for 18 years, she’s developed a deep understanding of the complexities of wealth management, and uses this experience to help clients navigate their financial journey.
In 2006, Andrea began her career with Wells Fargo Advisors in San Francisco, CA. She then joined Morgan Stanley in 2023.
Andrea received a Bachelor of Arts degree in Women’s Studies from Ohio Wesleyan University, and a Master of Arts degree in Women’s Studies from The Ohio State University.
After growing up in Columbus, OH, she moved to the San Francisco Bay Area. She lived there for 20 years before moving to Pittsburgh, PA. Andrea and her son, Charlie, reside in Mt. Lebanon, PA.
In her free time, Andrea enjoys baking, walking, reading and yoga. She’s also a board member of the Lebo Pride organization which hosts a family-friendly Pride celebration in Mt. Lebanon each summer.
In 2006, Andrea began her career with Wells Fargo Advisors in San Francisco, CA. She then joined Morgan Stanley in 2023.
Andrea received a Bachelor of Arts degree in Women’s Studies from Ohio Wesleyan University, and a Master of Arts degree in Women’s Studies from The Ohio State University.
After growing up in Columbus, OH, she moved to the San Francisco Bay Area. She lived there for 20 years before moving to Pittsburgh, PA. Andrea and her son, Charlie, reside in Mt. Lebanon, PA.
In her free time, Andrea enjoys baking, walking, reading and yoga. She’s also a board member of the Lebo Pride organization which hosts a family-friendly Pride celebration in Mt. Lebanon each summer.
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
Joshua Gilbert
Private Banker
About Joshua Gilbert
Joshua Gilbert is a Private Banker serving Morgan Stanley’s Wealth Management offices in Ohio.
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.
Joshua began his career in financial services in 2001 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Banking Client Manager at U.S. Bank. He also held numerous roles with progressive responsibilities at JPMorgan Chase Bank, where he notably served as a Branch Manager.
Joshua currently resides in Cincinnati, Ohio. Outside of the office, Joshua dedicates his time to various civic organizations focused on fostering the well-being of others, such as Lighthouse Youth & Family Services, and the Freestore Foodbank. In his spare time, Joshua enjoys traveling, hiking, skiing, and staying healthy and active.
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.
Joshua began his career in financial services in 2001 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Banking Client Manager at U.S. Bank. He also held numerous roles with progressive responsibilities at JPMorgan Chase Bank, where he notably served as a Branch Manager.
Joshua currently resides in Cincinnati, Ohio. Outside of the office, Joshua dedicates his time to various civic organizations focused on fostering the well-being of others, such as Lighthouse Youth & Family Services, and the Freestore Foodbank. In his spare time, Joshua enjoys traveling, hiking, skiing, and staying healthy and active.
NMLS#: 427087
Wealth Management
Global Investment Office
Portfolio Insights
Ready to start a conversation? Contact Marc T. McCarey today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan 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.
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 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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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
10Alternative 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13When 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.
14Morgan 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.
15When 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan 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.
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 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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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
10Alternative 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.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13When 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.
14Morgan 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.
15When 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.
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)
