Chris Venuti, CIMA®
Senior Vice President, Wealth Management, Institutional Consulting Director, Financial Wellness Director
Phone:
(805) 374-8112(805) 374-8112
Marc Roggenkamp, CFA®
Senior Vice President,
Institutional Consulting Director
Direct:
(310) 285-6558(310) 285-6558
My Mission Statement
Our mission is simple: To set the industry standard in investment consulting services. We deliver this through our team's extensive knowledge, experience and individualized service coupled with the depth of world-class resources we access through Graystone. This powerful combination is designed to translate into confident outcomes that achieve the desired results.
My Story and Services
Marc joined Graystone Consulting Group in January 2014. He has over 24 years of experience in the financial services industry. Prior to joining Morgan Stanley, Marc was a Senior Institutional Consultants at UBS Financial Services. He has also previously worked at Lehman Brothers (20022005) and was a Certified Public Accountant with Deloitte & Touche (19962000), specializing in financial service industry clients and ERISA retirement plan audits. He graduated from University of California, Los Angeles with a Bachelors of Arts in Economics and Sociology and holds the Chartered Financial Analyst® designation. He also attended the Marshall Graduate School of Business at the University of Southern California, where he co-managed a multi-million dollar scholarship endowment and graduated with honors. Marc is a current member of Morgan Stanley’s strategic retirement practice group, a dedicated group of 13 investment consultant professionals who service large and mega sized plan sponsors.
Marc lives in Cheviot Hills, a small community in the West Los Angeles area, with his wife and daughter. He previously served as President of the Cheviot Hills Home Owners Association and as a board Member for a Westside not-for-profit benefiting Home Owners' interests in West Los Angeles. In his free time, Marc enjoys creative outlets such as woodworking, landscape / gardening, and art.
Marc lives in Cheviot Hills, a small community in the West Los Angeles area, with his wife and daughter. He previously served as President of the Cheviot Hills Home Owners Association and as a board Member for a Westside not-for-profit benefiting Home Owners' interests in West Los Angeles. In his free time, Marc enjoys creative outlets such as woodworking, landscape / gardening, and art.
Securities Agent: WY, VT, WV, WI, WA, VI, VA, UT, TN, SD, SC, RI, PA, OR, OK, TX, NY, NV, NM, NH, NE, ND, MT, MS, MO, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, FL, DE, DC, CT, CO, CA, NC, AZ, AR, AL, NJ, AK, OH; General Securities Representative; Investment Advisor Representative
NMLS#: 1288227
CA Insurance License #: 0F53724
NMLS#: 1288227
CA Insurance License #: 0F53724
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheckLink Opens in New Tab.*
THE GRAYSTONE CONSULTING ADVANTAGE
Guiding you through complexity
Graystone Consulting provides you with customized, innovative, flexible solutions to help meet your organization’s most sophisticated financial needs. We shine a bright strategic light on your institutional investment challenges and goals and help you create an intelligent path to reach them, while remaining responsive to everything the world throws at your long-term plan along the way.
Providing you with boutique service, on a global scale
Graystone Consulting combines the fresh thinking, nimbleness and spirit of a modern entrepreneurial consulting boutique with the deep knowledge and experience of Morgan Stanley. We ensure the right advisors are in the seat from the first day you meet. You’ll get deeply experienced advisors who’ll take the time to truly understand you and your organization, develop innovative strategies to address your challenges—and build a long-term relationship based on trust.
Connecting you to all the resources of Morgan Stanley
Graystone Consulting puts the financial resources and power of Morgan Stanley’s vast research network to work for you. That means we can help you more effectively react to financial events around the world, with confidence. Give us your most complex financial challenges, and we’ll help you solve them.
OUR CLIENTS
Our commitment to excellence has allowed us to build lasting relationships with clients from various industries and sectors. Whether you're an entrepreneur, a non-profit organization, a small business, or a multinational corporation, we tailor our services to meet your specific needs.
Foundations and Endowments
Graystone Consulting has over five decades of experience serving the needs of a wide variety of both public and private foundations and long-term endowments. We understand the unique considerations confronting organizations that each face differing circumstances. balancing the strategic considerations between fundraising and/or grant-making.
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Public and Private Corporations
An important benefit of our multidiscipline approach is our ability to help your executives and investment committee understand the financial trade-offs of your strategic decisions. We assist with implementing your customized program, providing the confidence that aspects of investment selection, risk budgeting, administration and periodic reviews are addressed and integrated.
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Healthcare Organizations
As the economic and regulatory climate continues to place pressure on health care organizations to do more with less, we recognize that there is a greater emphasis on both investment performance and risk management.
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Nonprofit Organizations
Our strength lies in our ability to help nonprofits utilize their assets to pursue their mission, serving as a proactive and collaborative partner to help our clients grow their social and financial capital.
Learn MoreFinancial Resources
Introduction to Retirement Solutions
With a wide array of products and services to support companies of all sizes and various retirement plan objectives, we can help you effectively maximize and customize your employees’ benefits, so your employees can make the most out of retirement.
Click Here to Read More
DOL Cybersecurity Guidance for Plan Sponsors
When it comes to providing a retirement plan for your employees, staying compliant with Department of Labor (DOL) guidance is one of the most important responsibilities you take on.
Click Here to Read More
Invested At Work Podcast
Introducing our new podcast tackling the complex world of workplace financial benefits to help companies empower their employees.
Listen Here
SECURE 2.0 Act: Potential Employer Impact
As the legislative landscape evolves, companies need to stay ahead of the curve. Morgan Stanley at Work walks through what the SECURE 2.0 means for your retirement and student loan benefits.
Click Here to Read More
Selecting Morgan Stanley As Your ERISA 3(38) Investment Manager
To assist you in the evaluation process, we have outlined important information about Morgan Stanley, including our capabilities, qualifications and resources.
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Develop Your Individual Retirement Roadmap
The path to your ideal retirement may have some twists and turns, but smart planning can help you reach your destination. Where are you in your retirement journey?
Click Here to Read MoreLocation
9665 Wilshire Blvd
Ste 600
Beverly Hills, CA 90212
US
Direct:
(310) 285-6558(310) 285-6558
Fax:
(310) 285-2696(310) 285-2696
Meet My Team
Larry Mills, CFA
Senior Vice President, Wealth Management, Institutional Consulting Director, Institutional Consultant
Phone:
(805) 374-8108(805) 374-8108
Bryan N. Mountain, CRPC®
Executive Director, Wealth Management, Financial Advisor
Phone:
(805) 374-8111(805) 374-8111
About Chris Venuti
Chris brings 31 years of investment experience to Graystone Consulting. Chris has grown up in the Retirement plans industry and has been a thought leader through the years, serving on many advisory boards both at Morgan Stanley, and with various industry groups. He is often seen as a speaker at Retirement plan industry conferences.
Prior to joining Graystone, Chris was a Senior Institutional Consultant at UBS Financial Services and was a member of the Investment Committee for UBS's own 401(k) and defined benefit plans. He holds the Chartered Investment Management Association (CIMA®) designation. In the early 90's Chris was the host of the Morning Market Call on KWHY and was a Theater major at SUNY Fredonia. Chris conducts many educational webinars for our clients and enjoys teaching participants retirement planning concepts.
Chris has coached many sports teams through the years, is a regular cantor at St. Mel Catholic Church, and currently serves on the Finance Council in Woodland Hills where he and his family live. He is an avid player and collector of board games, and can be seen at conventions always willing to play another round. His son Dylan is a new member of the Graystone Los Angeles- Pacific Rim team having just passed his Series 7 and 65.
Prior to joining Graystone, Chris was a Senior Institutional Consultant at UBS Financial Services and was a member of the Investment Committee for UBS's own 401(k) and defined benefit plans. He holds the Chartered Investment Management Association (CIMA®) designation. In the early 90's Chris was the host of the Morning Market Call on KWHY and was a Theater major at SUNY Fredonia. Chris conducts many educational webinars for our clients and enjoys teaching participants retirement planning concepts.
Chris has coached many sports teams through the years, is a regular cantor at St. Mel Catholic Church, and currently serves on the Finance Council in Woodland Hills where he and his family live. He is an avid player and collector of board games, and can be seen at conventions always willing to play another round. His son Dylan is a new member of the Graystone Los Angeles- Pacific Rim team having just passed his Series 7 and 65.
Securities Agent: WV, WY, WI, WA, VT, VI, VA, UT, TX, SD, SC, RI, OR, OK, OH, NV, NM, NJ, NH, NE, ND, NC, MS, MO, MN, ME, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, FL, DE, DC, MI, CT, CO, CA, MT, AZ, AR, AL, AK, TN, PA, NY; General Securities Representative; Investment Advisor Representative
CA Insurance License #: 0B34779
CA Insurance License #: 0B34779
About Larry Mills
Larry brings 38 years of investment experience to Graystone Consulting. Prior to joining Graystone, Larry was a Senior Institutional Consultant at UBS Financial Services and sat on the Advisory Council for the Institutional Consulting Group. Before that he was the co-head of Lehman Brothers Retirement Plan Consulting unit. He has spoken numerous times at national forums about stable value investments.
Larry holds the Chartered Financial Analyst (CFA) designation and is an Accredited Investment Fiduciary Analyst (AIFA). By holding both the CFA and AIFA analyst designations , Larry has a strong combination of skills and knowledge in investment analysis, portfolio management, and fiduciary responsibilities.
He graduated from Dartmouth College with a B.A. in Economics and has an MBA from the University of Southern California. He and his wife and three children live in the mountains outside Lake Tahoe.
Larry holds the Chartered Financial Analyst (CFA) designation and is an Accredited Investment Fiduciary Analyst (AIFA). By holding both the CFA and AIFA analyst designations , Larry has a strong combination of skills and knowledge in investment analysis, portfolio management, and fiduciary responsibilities.
He graduated from Dartmouth College with a B.A. in Economics and has an MBA from the University of Southern California. He and his wife and three children live in the mountains outside Lake Tahoe.
Securities Agent: WA, WY, WV, WI, VT, VI, VA, UT, TX, TN, SD, RI, PA, OR, OH, NY, NV, NM, NJ, NH, NE, NC, MT, MS, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, FL, DE, DC, CT, MO, CO, CA, AZ, ND, AR, AL, AK, SC, OK; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
CA Insurance License #: 0A06948
CA Insurance License #: 0A06948
About Bryan N. Mountain
Bryan joined Morgan Stanley in 2014. Previously working at UBS for over 13 years, Bryan's experience is in retirement planning for high net worth clients. He has earned the Chartered Retirement Planning Counselor (CRPC®) designation from the College for Financial Planning. Bryan attended CSU San Bernardino before moving to the Los Angeles area. He is active in the community and has volunteered for several charitable organizations. On Wall Street featured him amongst The Top 40 Advisors under 40 in 2011 and 2012. In his spare time Bryan enjoys swimming, cycling, and running as he trains for his next Ironman triathlon.
http://www.morganstanley.com/disclosures/awards-disclosure.html
http://www.morganstanley.com/disclosures/awards-disclosure.html
Securities Agent: WI, WY, WV, VA, WA, VT, VI, UT, TX, TN, SC, RI, PA, OR, OK, OH, NY, NM, NJ, NH, ND, NC, MT, MO, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, FL, DE, DC, CT, CO, MS, CA, AZ, AR, NE, AL, AK, SD, NV; General Securities Representative; Investment Advisor Representative
CA Insurance License #: 0D10995
CA Insurance License #: 0D10995
Wealth Management
Global Investment Office
Portfolio Insights
Private Wealth Management Podcast
Bringing you engaging stories and key insights surrounding the complexities associated with significant wealth, including:
- Intergenerational Planning
- Philanthropic Giving
- Non-Traditional Assets
- Managing Family Wealth
Insights and Outcomes
Thought Leadership for our ultra high net worth clients, which contains thought-provoking articles, authored by leading experts from Morgan Stanley Family Office Resources.
Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
Managing Significant Wealth
- Investment Management
- Wealth Transfer & Philanthropy
- Cash Management & Lending
- Family Governance & Wealth Education
- Signature Access
- Business Services
Ready to start a conversation? Contact Marc Roggenkamp today.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
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.
4When 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.
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 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.
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For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
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.
4When 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.
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 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.
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CRC 6491812 (04/2024)
