Andrew Wen
Registered Client Service Associate
Phone:
(206) 224-4162(206) 224-4162
Mary Black
First Vice President,
Financial Advisor,
Family Wealth Advisor
Direct:
(425) 453-5803(425) 453-5803
My Mission Statement
Helping you to visualize and pursue your financial goals while instilling confidence and trust. Providing guidance so that your wealth does more for you.
Welcome
Based on a foundation of trust and integrity, I work diligently to help successful individuals, families and business owners pursue their financial goals. Focused on building strong, enduring multi-generational relationships, I take great pride in the fact that I am now helping my client’s children and grandchildren begin and build their financial futures.
Working with me means you’ll have a highly qualified advisor committed to understanding your unique concerns and priorities and helping you to pursue the financial life you desire. I work with each of our clients to define their goals, develop a comprehensive, tailored wealth management strategy, track progress, and adjust their strategy as the inevitable changes in life occur. My experience, knowledge, and integrity brings simplicity to the complexities of investing, making the intimidating task of planning for the future an exciting journey of helping you realize your goals.
Working with me means you’ll have a highly qualified advisor committed to understanding your unique concerns and priorities and helping you to pursue the financial life you desire. I work with each of our clients to define their goals, develop a comprehensive, tailored wealth management strategy, track progress, and adjust their strategy as the inevitable changes in life occur. My experience, knowledge, and integrity brings simplicity to the complexities of investing, making the intimidating task of planning for the future an exciting journey of helping you realize your goals.
Services Include
- Wealth ManagementFootnote1
- Retirement PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Professional Portfolio ManagementFootnote4
- 401(k) Rollovers
- Business PlanningFootnote5
- Divorce Financial AnalysisFootnote6
- Cash Management and Lending ProductsFootnote7
- Life InsuranceFootnote8
- Sustainable InvestingFootnote9
Securities Agent: NC, WY, MD, GA, WI, HI, OH, NY, DC, AK, VA, MT, MO, FL, TX, MA, ID, CO, CA, AZ, IL, MI, WA, SD, PA, MN, SC, CT, OR, NM, NJ, UT; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1401645
NMLS#: 1401645
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
The foundation to building financial freedom is having a plan. Having a financial plan that is customized and effective to help you achieve long term objectives for yourself and your legacy is a home run. My practice uses a disciplined 4-step process that reflects your unique circumstances in achieving your financial freedom:
Discovery Meeting: Develop a holistic, comprehensive understanding of who you are and the financial forces at work in your life- the first and most important step.
Create Custom Plan: I design a financial plan based on your needs and aspirations and educate you on the possible solutions to accomplish your goals.
Implement Action Plan: Execute your custom plan and build your portfolio with appropriate asset allocation using the resources and insight available from Morgan Stanley.
Review Life Plan: Monitor and review your plan on a regular basis determined by you to help insure your finances are aligned with your life goals
As our relationship grows, I hope to be your go-to source for all financial advice as your success becomes my success.
Discovery Meeting: Develop a holistic, comprehensive understanding of who you are and the financial forces at work in your life- the first and most important step.
Create Custom Plan: I design a financial plan based on your needs and aspirations and educate you on the possible solutions to accomplish your goals.
Implement Action Plan: Execute your custom plan and build your portfolio with appropriate asset allocation using the resources and insight available from Morgan Stanley.
Review Life Plan: Monitor and review your plan on a regular basis determined by you to help insure your finances are aligned with your life goals
As our relationship grows, I hope to be your go-to source for all financial advice as your success becomes my success.
Woman and Wealth
With passion, purpose, and a heart of service, Mary has dedicated the last 20+ years to sharing love and positivity with the world, inspiring greatness, and helping women navigate life's transitions to ensure women have the opportunity to live a "Life by Design".
Transitions are inevitable. At times they are blessings - a celebration of a new love, the arrival of a new baby, a milestone birthday party. Other times, they can be devastating - the loss of a job or a failed business venture, enduring a painful divorce, or the death of a loved one. Navigating through life's moments can be scary and uncertain.
Growing up in Alaska, I developed a strong sense of community and a love for the outdoors. I came to Washington for college and graduated from the University of Washington in 1989. My career began at AIG in commercial risk management, where I worked for 17 years before joining A.G. Edwards in 2004.
I also continue to develop my knowledge and experience and have completed courses from the College of Financial Planning and have been awarded the title of Senior Investment Management Consultant.
I live in Bellevue with my three children. Much of my time and volunteer hours are centered on my children’s school and our church. I also enjoy working on campaigns for The Rose of Lima and Noel House women’s shelters. When I am not cheering for the Seahawks, I love to run, garden, ski and sail.
Disclaimer:
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.
Transitions are inevitable. At times they are blessings - a celebration of a new love, the arrival of a new baby, a milestone birthday party. Other times, they can be devastating - the loss of a job or a failed business venture, enduring a painful divorce, or the death of a loved one. Navigating through life's moments can be scary and uncertain.
Growing up in Alaska, I developed a strong sense of community and a love for the outdoors. I came to Washington for college and graduated from the University of Washington in 1989. My career began at AIG in commercial risk management, where I worked for 17 years before joining A.G. Edwards in 2004.
I also continue to develop my knowledge and experience and have completed courses from the College of Financial Planning and have been awarded the title of Senior Investment Management Consultant.
I live in Bellevue with my three children. Much of my time and volunteer hours are centered on my children’s school and our church. I also enjoy working on campaigns for The Rose of Lima and Noel House women’s shelters. When I am not cheering for the Seahawks, I love to run, garden, ski and sail.
Disclaimer:
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.
Women and Wealth Resources
Women often have a more holistic vision for success and define it in very personal terms. In our experience, women investors often look beyond just meeting a performance benchmark and often want to align their financial goals with their personal and social priorities. Read below for more information on the resources available to you!
Women and Wealth ResourcesWomen and Personalized Client Experience
There's no doubt about it — women face a unique set of financial challenges. That is why we are committed to empowering women with the knowledge and tools needed to achieve your goals: whether you're buying a home, starting a family, navigating a divorce, caring for a loved one, or giving back to a cause you care about. Read below for more information on the personalized client experience offered through Morgan Stanley's Women and Wealth.
Women and Personalized Client ExperienceWomen and Investing
Strategies for helping women make well-informed decisions toward finding their balance among their personal, professional, financial and philanthropic goals. Read below for more information on what could be useful in your financial journey.
Women and InvestingWomen and Wealth Planning
Generally, financial life stages fall into three categories: wealth accumulation, preservation, and distribution. An individual’s needs change through those stages of life. By understanding your savings, investment, and banking options, you will be better equipped to meet your money goals and needs during each stage.
Women and Wealth PlanningWomen and Philanthropy
Become the Change You Wish to See in the World. Women often play key roles in educating and influencing family members to give; their philanthropic influence may extend far beyond their individual charitable efforts. Help women explore effective philanthropic strategies for maximizing impact.
Women and PhilanthropyWomen and Us
In 2013, Sara Co-founded Women at Morgan Stanley or W@MS. Shortly thereafter, Mary leaned in establishing the Bellevue W@MS chapter. Helping women find a safe place within their finances continues to be one of our main goals. In order to better gear our team in this direction we recently changed our name. Read below for a bit of our background and how The Darling Group got our name!
The Darling GroupAligning Your Investments with Your Values
A Darling FACT: Hiring more Women can help a stocks performance and have IMPACT.
Morgan Stanley analysis of annualized performance from 2011 to 2022 found that stocks of companies that employ higher gender diversity outperformed less-diverse sector peers in all regions.
Impact Questions to Ask <3 Darling <3:
<3 How do I align my values with my money?
<3 How do I get started in values-based investing?
<3 How do values-based investments perform relative to the broad market?
Morgan Stanley analysis of annualized performance from 2011 to 2022 found that stocks of companies that employ higher gender diversity outperformed less-diverse sector peers in all regions.
Impact Questions to Ask <3 Darling <3:
<3 How do I align my values with my money?
<3 How do I get started in values-based investing?
<3 How do values-based investments perform relative to the broad market?
A financial plan made for you
Our wealth management process begins with you, your investment objectives and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life - your investments and your cash management needs - making sure they align with your goals and wealth management plan.
At Morgan Stanley, we understand that the goals you set today will evolve over time. Your plan will evolve with them - and with the changing circumstances of your life.
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources of Morgan Stanley, we can help you take charge of your financial future an achieve your goals. Below, we have provided some links that will introduce you to a few of the tools that we use, please click to learn more about them. We hope that you will return often to learn more about topics impacting your wealth.
At Morgan Stanley, we understand that the goals you set today will evolve over time. Your plan will evolve with them - and with the changing circumstances of your life.
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources of Morgan Stanley, we can help you take charge of your financial future an achieve your goals. Below, we have provided some links that will introduce you to a few of the tools that we use, please click to learn more about them. We hope that you will return often to learn more about topics impacting your wealth.
LifeView - Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual’s financial life, including investments and cash management needs. Fill out the questionnaire to get started talking with us about creating a personalized strategy for your long-term goals.
Learn More HereGoals Planning System
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
Start Planning NowAladdin - Intelligent Risk Management
There’s a chance your portfolio may be at risk, but how you manage that risk is what matters.
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.
Learn More HerePortfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.
Strategy - Intelligent Withdrawals
Building wealth is a means to an end. Taxes can eat up a significant portion of your assets upon withdrawal. This is why it's vital to look at your entire portfolio and coordinate liquidation to help reduce the impact of taxes and potentially improve investment results.
The decisions your make today can help you save for years to come. Use the resources found in the link below to help get started.
View Tax-Aware Strategies HereThe decisions your make today can help you save for years to come. Use the resources found in the link below to help get started.
Spending and Budgeting Tool
One way to manage savings is by using Morgan Stanley’s Spending and Budgeting tool. These tools help advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
Start Using the Tool TodayLocation
500 108th Ave NE
Ste 1900
Bellevue, WA 98004
US
Direct:
(425) 453-5803(425) 453-5803
Meet My Team
Bradley Marshall
Register Client Service Associate
Phone:
(425) 467-3113(425) 467-3113
About Andrew Wen
Andrew has over five years of client service experience and began his career in the financial industry two years ago. He joined Morgan Stanley in 2023 as a Registered Client Service Associate with his series 7 and series 66 licenses. He is truly passionate about helping clients.
Andrew graduated from the University of Washington with degrees in Marketing and Economics. He was born in Guangdong, China and came to Seattle, WA when he was age 11. He is fluent in Cantonese and Mandarin and has enjoyed living in the Evergreen state ever since. He loves to spend his leisure time playing all kinds of racket sports and continues to complete his goal of traveling to every country in Asia.
Most recently he became a new dad and enjoys spending time hanging out with his beautiful daughter Shiah (Shee-ah).
Andrew graduated from the University of Washington with degrees in Marketing and Economics. He was born in Guangdong, China and came to Seattle, WA when he was age 11. He is fluent in Cantonese and Mandarin and has enjoyed living in the Evergreen state ever since. He loves to spend his leisure time playing all kinds of racket sports and continues to complete his goal of traveling to every country in Asia.
Most recently he became a new dad and enjoys spending time hanging out with his beautiful daughter Shiah (Shee-ah).
About Bradley Marshall
I Began my career as a Client Service associate in Lake Oswego in March of 2021. I hold a degree in Biomedical Engineering from Harding University and am currently pursuing an MBA with a specialization in Finance at the University of North Alabama. In my free time, I enjoy hiking, visiting breweries, and playing poker.
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
Katie Reed
Senior Private Banker
Terry Gravely, CFP®
Financial Planning Director, Vice President
About Katie Reed
Katie Reed is a Senior Private Banker serving Morgan Stanley Wealth Management offices in Washington.
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.
Katie began her career in financial services in 2002, and joined Morgan Stanley in 2017 as a Private Banker. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch.
Katie is a graduate of the University of Washington, where she received a Bachelor of Arts in Economics. She lives in Seattle, Washington with her spouse. Outside of the office, Katie enjoys volunteering her time with various organizations which support women, food accessibility, and animals. She also enjoys traveling, Washington Husky football, and spending time with family and friends.
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.
Katie began her career in financial services in 2002, and joined Morgan Stanley in 2017 as a Private Banker. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch.
Katie is a graduate of the University of Washington, where she received a Bachelor of Arts in Economics. She lives in Seattle, Washington with her spouse. Outside of the office, Katie enjoys volunteering her time with various organizations which support women, food accessibility, and animals. She also enjoys traveling, Washington Husky football, and spending time with family and friends.
NMLS#: 652641
About Terry Gravely
Terry Gravely is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Seattle. He is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Terry began his career in financial services in 2000, and joined Morgan Stanley in 2021. Prior to his current position, he worked as a registered investment advisor and certified teacher.
Terry graduated from Virginia Tech and holds his CERTIFIED FINANCIAL PLANNER™ and Certified Personal Wealth Advisor® designations. Terry lives in Seattle, Washington where he enjoys spending time with his grandchildren. Outside of work, Terry volunteers at an elementary school.
Terry began his career in financial services in 2000, and joined Morgan Stanley in 2021. Prior to his current position, he worked as a registered investment advisor and certified teacher.
Terry graduated from Virginia Tech and holds his CERTIFIED FINANCIAL PLANNER™ and Certified Personal Wealth Advisor® designations. Terry lives in Seattle, Washington where he enjoys spending time with his grandchildren. Outside of work, Terry volunteers at an elementary school.
Wealth Management
Global Investment Office
Portfolio Insights
Ready to start a conversation? Contact Mary Black today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
3Morgan 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.
4Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
5Morgan Stanley 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.
6Morgan 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.
7Morgan 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
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan 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.
4Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
5Morgan Stanley 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.
6Morgan 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.
7Morgan 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
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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)
