Richard Marcatos, CFP®
Executive Director, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Executive Director, Senior Portfolio Management Director, Family Wealth Director, Financial Advisor – Wealth Management
Phone:
(813) 286-5633(813) 286-5633
Marcatos Wealth Management Group at Morgan Stanley
Direct:
(813) 286-5633(813) 286-5633
Our Mission Statement
Integrity. Hard work. Humility. Care. Whether we’re working with a business owner, retiree, or family, those values are the pillars of our practice. Our unwavering promise to your future.
Our Story and Services
With 47+ years of combined experience, our team strives to offer informed guidance for every step of your financial life: Whether it’s saving for retirement while accounting for inflation, investing with tax-efficiency, addressing healthcare needs, or ultimately transferring wealth. My team and I do all of this with a values-first mindset. Because no matter how deeply we dive into your financial life, our priority is treating you and your loved ones the right way. Like family. Coming from a blue collar background, and then joining the military out of high school –– Integrity, Hard work, Humility, and Care are values that have been ingrained in me my whole life. They are the pillars of my practice.
We work with families across generations. As a family team ourselves, I believe our multigenerational makeup allows us to be a truly lifelong resource for you and your loved ones. Each and every day, we work tirelessly –– and with a deep awareness of the trust you place in us –– to help protect the most important people in your life.
My experience has been featured in The New York Times, On Wall Street, and other publications. But for me, the greatest professional satisfaction will always be helping clients turn their far-off goal into a present day reality. That’s why drives our team.
For a second opinion about your current investments, or to talk about your goals, please call us at (813) 286-5633.
We work with families across generations. As a family team ourselves, I believe our multigenerational makeup allows us to be a truly lifelong resource for you and your loved ones. Each and every day, we work tirelessly –– and with a deep awareness of the trust you place in us –– to help protect the most important people in your life.
My experience has been featured in The New York Times, On Wall Street, and other publications. But for me, the greatest professional satisfaction will always be helping clients turn their far-off goal into a present day reality. That’s why drives our team.
For a second opinion about your current investments, or to talk about your goals, please call us at (813) 286-5633.
Services Include
- Financial PlanningFootnote1
- Investment Strategies for Family Offices
- Asset Management
- Endowments and FoundationsFootnote2
- Business PlanningFootnote3
- Business Succession PlanningFootnote4
- Retirement PlanningFootnote5
- Planning for Education FundingFootnote6
- Estate Planning StrategiesFootnote7
- Cash Management and Lending ProductsFootnote8
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Over the years, our team has helped clients from many different backgrounds manage a vast array of financial situations. The guidance we offer goes well beyond traditional retirement planning. Beyond education saving. Beyond cash flow.
We’ve helped business owners decide the most opportune way to manage their partnerships. We’ve helped angel investors analyze their opportunities and risks. We’ve helped families navigate complicated generational dynamics as they seek to preserve their legacy. Often, we work closely with our clients’ accountants and attorneys to help coordinate multifaceted solutions.
Bottom line, we have built a breadth of knowledge –– from decades of firsthand experience –– that allows us to help you structure every decision you face. From major life events, to complex business dealings, to everyday financial concerns.
We’ve helped business owners decide the most opportune way to manage their partnerships. We’ve helped angel investors analyze their opportunities and risks. We’ve helped families navigate complicated generational dynamics as they seek to preserve their legacy. Often, we work closely with our clients’ accountants and attorneys to help coordinate multifaceted solutions.
Bottom line, we have built a breadth of knowledge –– from decades of firsthand experience –– that allows us to help you structure every decision you face. From major life events, to complex business dealings, to everyday financial concerns.
Step 1: Introductory Call
We begin with an informal conversation to understand your financial concerns and determine how we can add value. If we all agree to move forward, we'll schedule our next meeting and request important financial information.
Step 2: Get To Know You Meeting
We continue the dialogue by fostering an in depth conversation where we learn about the values that shape your decisions and identify any unique circumstances. we also review the documents you've prepared and define priorities.
Step 3: Analysis and Plan Development
Here, we utilize proprietary financial planning tools to develop a personalized and detailed plan with recommendations to help you grow, preserve and transfer your wealth.
Step 4: Implementation
In this step, we present appropriate strategies that are designed to work together to achieve your goals. Upon your approval, we open new accounts for you at Morgan Stanley and initiate our investment recommendations. We'll also begin to implement other strategies we've discussed. These often encompass tax minimization strategies, as well as risk management and estate planning techniques.
Awards and Recognitions
Thanks to the unwavering commitment to helping clients and families reach their investment goals, Richard Marcatos has been awarded with the following industry awards and recognitions.
Forbes Best in State Advisors
In 2022 and 2020 Richard was named to the Forbes Best in State, a group composed of Florida's top Financial Advisors. Richard's appointment is a reward for consistent excellence and ingenuity.
2020,2022 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 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.
2020,2022 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 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.
Barrons Top 1,200 Financial Advisors: State by State
Richard leads the way in offering best practices and providing clients with a high quality experience. Due to the dedication to his work Richard has been recognized by Barron's Best in State six times during his career. (2009, 2010, 2011, 2012, 2014, 2015)
2009-2012, 2014-2015 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2009-2012, 2014-2015). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
"
2009-2012, 2014-2015 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2009-2012, 2014-2015). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
"
Financial Times Top 400 Financial Advisors
The Financial Times recognition of Richard underlines the standard of excellence when it comes to his work. Richard received this reward in 2015.
Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded Mar 2015) Data compiled by the Financial Times based on time period from 9/30/13 - 9/30/14.
Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded Mar 2015) Data compiled by the Financial Times based on time period from 9/30/13 - 9/30/14.
Certified Financial Planner (CFP)
This certification Richard has earned displays his vast knowledge of planning and the strict ethical standard of a CFP that he follows.
What We Offer
A Comprehensive Skillset
As a Certified Financial Planner®, I’m able to help meet the complex needs of a wide range of clients. From business owners and entrepreneurs looking to grow their company or sell it so they can start their next chapter. To retirees looking to generate income, manage cash flow, and grow nest eggs for their children and grandchildren.
Guidance Backed By Experience
For decades, I’ve been helping individuals and families navigate their financial life. I’ve helped them through regulatory changes and the stock market’s various ebbs and swells. I’ve guided them through difficult personal and family moments. I know what it means to be a trusted resource –– someone they can turn to who has “been there before,” who understands what they’re going through, and who knows how to help them get where they want to go.
A Hands-on Approach To Investing
As a Portfolio Management Director, I take a hands-on approach to your portfolio. I do my own research, develop my own strategies, and explain in straightforward terms the “how” and “why” of my decisions. First and foremost, this oversight gives me the flexibility to manage your wealth in a way that’s always in your best interests.
Global Resources, Personalized for You
Our team complements our deep experience and elite designations with the world-class resources of Morgan Stanley. From risk analysis technology to online client platforms, we offer a family-driven practice, powered by a global leader in wealth management.
Location
4890 W Kennedy Blvd
Ste 700
Tampa, FL 33609
US
Direct:
(813) 286-5633(813) 286-5633
Meet Marcatos Wealth Management Group
Cameron Marcatos
Financial Advisor
Phone:
(813) 286-5674(813) 286-5674
Alice Mitchell
Wealth Management Associate
Phone:
(813) 286-5648(813) 286-5648
Michelle Marcatos
Registered Client Service Associate
Phone:
(813) 286-5651(813) 286-5651
About Richard Marcatos
Richard Marcatos is an Executive Director, Family Wealth Director, Senior Portfolio Management Director, Financial Advisor, and Certified Financial Planner® with Marcatos Wealth Management Group at Morgan Stanley. With 25+ years of experience, he has helped individuals, business owners, and families plan and protect their financial future across many years and even multiple generations.
A U.S. Army veteran and University of South Florida graduate –– Rick began his career as a Financial Advisor at Prudential Securities in 1995, where he worked for five years. In 2000, Rick joined UBS as a Senior Vice President, Wealth Management and Senior Portfolio Manager. At the Firm, Rick was Complex Training Manager from 2006 to 2009 and a Market Sales Manager from 2007 to 2009, providing wealth management education and guidance to branch managers and financial advisors throughout the entire Tampa market. This gave Rick incredible insight on how to help clients with everything from complex financial challenges to structuring business partnerships, all while delivering personalized customer service. In 2022, he came on board with Morgan Stanley as an Executive Director and Financial Advisor.
For his sustained commitment to excellence, Rick has received numerous industry awards over the years. Forbes named him a Best-in-State Wealth Advisor 2020-2022, and Barron’s listed him as a Top 1,200 Financial Advisor in the U.S. from 2009-2012 and 2014-2015. The Financial Times additionally named him to its Top 400 Financial Advisors list in 2015. He has been quoted in The New York Times for articles concerning angel investing, Financial Planning Magazine, and On Wall Street for an article on Sequence of Return Risk.
As head of the Marcatos Wealth Management Group, Rick leads a seasoned team of financial professionals focused on meeting the comprehensive needs of successful individuals and families. Toward that end, he holds the Certified Financial Planner® certification –– an elite designation that speaks to his deep industry knowledge, holistic financial skillset, and unwavering code of ethics. He is also a Portfolio Management Director, focused on helping clients craft tailored, tax-efficient investment approaches that help minimize risk and preserve wealth. But his most important focus will always be the financial well-being of his clients and their families. That’s why he makes himself available to offer his expertise and guidance –– whether it's through financial planning, estate planning, risk management, tax planning –– or even just to answer a small financial question.
Outside the office, Rick lives in Clearwater Beach, FL with his wife Michelle. Together they have three adult children. In his free time, he enjoys boating, fishing, skiing, and travel. He is also an avid tennis player, and loves attending ATP tennis tournaments whenever he gets the opportunity.
A U.S. Army veteran and University of South Florida graduate –– Rick began his career as a Financial Advisor at Prudential Securities in 1995, where he worked for five years. In 2000, Rick joined UBS as a Senior Vice President, Wealth Management and Senior Portfolio Manager. At the Firm, Rick was Complex Training Manager from 2006 to 2009 and a Market Sales Manager from 2007 to 2009, providing wealth management education and guidance to branch managers and financial advisors throughout the entire Tampa market. This gave Rick incredible insight on how to help clients with everything from complex financial challenges to structuring business partnerships, all while delivering personalized customer service. In 2022, he came on board with Morgan Stanley as an Executive Director and Financial Advisor.
For his sustained commitment to excellence, Rick has received numerous industry awards over the years. Forbes named him a Best-in-State Wealth Advisor 2020-2022, and Barron’s listed him as a Top 1,200 Financial Advisor in the U.S. from 2009-2012 and 2014-2015. The Financial Times additionally named him to its Top 400 Financial Advisors list in 2015. He has been quoted in The New York Times for articles concerning angel investing, Financial Planning Magazine, and On Wall Street for an article on Sequence of Return Risk.
As head of the Marcatos Wealth Management Group, Rick leads a seasoned team of financial professionals focused on meeting the comprehensive needs of successful individuals and families. Toward that end, he holds the Certified Financial Planner® certification –– an elite designation that speaks to his deep industry knowledge, holistic financial skillset, and unwavering code of ethics. He is also a Portfolio Management Director, focused on helping clients craft tailored, tax-efficient investment approaches that help minimize risk and preserve wealth. But his most important focus will always be the financial well-being of his clients and their families. That’s why he makes himself available to offer his expertise and guidance –– whether it's through financial planning, estate planning, risk management, tax planning –– or even just to answer a small financial question.
Outside the office, Rick lives in Clearwater Beach, FL with his wife Michelle. Together they have three adult children. In his free time, he enjoys boating, fishing, skiing, and travel. He is also an avid tennis player, and loves attending ATP tennis tournaments whenever he gets the opportunity.
Securities Agent: ID, NJ, WA, NY, NC, DE, SC, MI, MA, CA, WI, VA, TN, GA, CO, TX, IN, MD, FL; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 2388325
NMLS#: 2388325
About Cameron Marcatos
Cameron Marcatos is a Financial Advisor with Marcatos Wealth Management Group at Morgan Stanley in Tampa, Florida. With a comprehensive wealth management approach built for the demands of today, tomorrow, and the years ahead –– Cameron is committed to helping clients secure their financial futures for generations to come.
While earning a degree in Finance from Florida Atlantic University, Cameron interned with UBS before joining the Marcatos Wealth Management Group at Morgan Stanley upon graduation. He brings a fresh perspective and youthful energy to the team. Working on a family team helps to bring a true commitment to clients’ multigenerational objectives.
With the team, Cameron offers a comprehensive range of financial planning and wealth management services, from retirement planning and business planning to cash management and lending. By accounting for each client's unique needs, goals, and risk tolerance, he helps them build financial strategies that reflect who the team’s clients are and what they want to achieve. Complementing this personalized approach, Cameron believes in utilizing Morgan Stanley’s cutting-edge technologies and other advanced resources –– so that he can provide clients with all the data and perspectives they need to make smart financial decisions. For their futures, their businesses, and their families.
Outside the office, Cameron lives in St Peterburg, FL. In his free time, he enjoys getting out on the water for a day of fishing and playing soccer in a local sports league. Committed to environmental preservation, he volunteers with local beach cleanup initiatives. He is also an avid reader of non-fiction, and especially enjoys books concerning philosophy and history.
While earning a degree in Finance from Florida Atlantic University, Cameron interned with UBS before joining the Marcatos Wealth Management Group at Morgan Stanley upon graduation. He brings a fresh perspective and youthful energy to the team. Working on a family team helps to bring a true commitment to clients’ multigenerational objectives.
With the team, Cameron offers a comprehensive range of financial planning and wealth management services, from retirement planning and business planning to cash management and lending. By accounting for each client's unique needs, goals, and risk tolerance, he helps them build financial strategies that reflect who the team’s clients are and what they want to achieve. Complementing this personalized approach, Cameron believes in utilizing Morgan Stanley’s cutting-edge technologies and other advanced resources –– so that he can provide clients with all the data and perspectives they need to make smart financial decisions. For their futures, their businesses, and their families.
Outside the office, Cameron lives in St Peterburg, FL. In his free time, he enjoys getting out on the water for a day of fishing and playing soccer in a local sports league. Committed to environmental preservation, he volunteers with local beach cleanup initiatives. He is also an avid reader of non-fiction, and especially enjoys books concerning philosophy and history.
Securities Agent: FL, CO, NJ, NC, WA, WI, SC, NY, MA, MD, TX, MI, ID, DE, VA, CA, TN, IN, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 2438876
NMLS#: 2438876
About Alice Mitchell
Alice is a Wealth Management Associate with Marcatos Wealth Management Group at Morgan Stanley in Tampa, Florida. With over a decade of industry experience, Alice helps enhance and maintain a top-tier client experience founded on value, service, and attention to detail.
After receiving her B.A. from Saint Anselm College, Alice entered the wealth management field in 2007 as an Apprentice Financial Planner with Northeast Planning Associates. She then served as a Business Development Specialist for American Century Investments, before joining UBS in 2012 and earning the Wealth Management Associate title. In 2022, Alice came on board with Morgan Stanley.
Alice plays a vital role in establishing and cultivating relationships with new and existing clients. Bringing deep experience, a dynamic skillset, and unwavering passion to her role, there is no obstacle she cannot help clients overcome. Over the years, she has helped many different clients address countless needs, and she continually enhances the elite client service model that has come to define the Marcatos Wealth Management Group.
Outside of the office, Alice lives in Clearwater, FL with her husband Eric, two sons William and Logan, and their beloved pup Eli. Since her husband serves as a SWAT operator and Corporal for the Clearwater Police Department, Alice cherishes time spent with her family. She enjoys exploring National Parks, whipping up new culinary creations, and cheering on William and Logan in their endeavors. She also enjoys practicing Jiu Jitsu, which she has done for over ten years.
After receiving her B.A. from Saint Anselm College, Alice entered the wealth management field in 2007 as an Apprentice Financial Planner with Northeast Planning Associates. She then served as a Business Development Specialist for American Century Investments, before joining UBS in 2012 and earning the Wealth Management Associate title. In 2022, Alice came on board with Morgan Stanley.
Alice plays a vital role in establishing and cultivating relationships with new and existing clients. Bringing deep experience, a dynamic skillset, and unwavering passion to her role, there is no obstacle she cannot help clients overcome. Over the years, she has helped many different clients address countless needs, and she continually enhances the elite client service model that has come to define the Marcatos Wealth Management Group.
Outside of the office, Alice lives in Clearwater, FL with her husband Eric, two sons William and Logan, and their beloved pup Eli. Since her husband serves as a SWAT operator and Corporal for the Clearwater Police Department, Alice cherishes time spent with her family. She enjoys exploring National Parks, whipping up new culinary creations, and cheering on William and Logan in their endeavors. She also enjoys practicing Jiu Jitsu, which she has done for over ten years.
About Michelle Marcatos
Michelle is a Registered Client Service Associate with Marcatos Wealth Management Group at Morgan Stanley in Tampa, Florida. With constant diligence and lifelong dedication, she helps ensure that all clients enjoy a seamless and efficient path toward their financial goals.
A University of South Florida graduate with a degree in Accounting, Michelle worked for many years as a Realtor for Coldwell Banker. In 2021, she transitioned to wealth management, joining UBS before coming on board with her husband Rick Marcatos at Morgan Stanley as a Client Service Associate.
Michelle plays a crucial role in managing client relationships. She prides herself on maintaining the team’s diligent, comprehensive, and empathetic client experience. Whether she’s offering personalized insight, providing regular investment updates, ensuring that their account information is up-to-date and accurate, or troubleshooting any issue that may arise –– Michelle brings experience and dedication to every clients’ financial life.
Outside of work, Michelle lives in Clearwater Beach, FL with her husband Rick. Together they have adult three children. She is passionate about cooking, and in her free time she enjoys outdoor activities such as tennis, boating, skiing and spending time with family and friends.
A University of South Florida graduate with a degree in Accounting, Michelle worked for many years as a Realtor for Coldwell Banker. In 2021, she transitioned to wealth management, joining UBS before coming on board with her husband Rick Marcatos at Morgan Stanley as a Client Service Associate.
Michelle plays a crucial role in managing client relationships. She prides herself on maintaining the team’s diligent, comprehensive, and empathetic client experience. Whether she’s offering personalized insight, providing regular investment updates, ensuring that their account information is up-to-date and accurate, or troubleshooting any issue that may arise –– Michelle brings experience and dedication to every clients’ financial life.
Outside of work, Michelle lives in Clearwater Beach, FL with her husband Rick. Together they have adult three children. She is passionate about cooking, and in her free time she enjoys outdoor activities such as tennis, boating, skiing and spending time with family and friends.
Contact Richard Marcatos
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Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley 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.
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, charitable giving, philanthropic planning and other legal matters.
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 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 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.
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Awards Disclosures
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.
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, charitable giving, philanthropic planning and other legal matters.
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 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 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.
6When 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Morgan 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
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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:
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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.
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Awards Disclosures
CRC 6491812 (04/2024)
