Edward J. McCormick, Jr., CAIA, CIMA®
Senior Vice President, Financial Advisor
Phone:
(203) 221-6050(203) 221-6050
The Westport Cornerstone Group at Morgan Stanley
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Story and Services
With over 125 years of combined experience, The Westport Cornerstone Group helps clients, and their families plan for their financial future with strategies tailored to their goals. We focus on making the process personal, simple, and rewarding. By working together, we help preserve and grow your wealth while guiding you through tax-efficient strategies.
Our team takes a collaborative approach, ensuring you benefit from the expertise of multiple advisors.
David Meeks, Steven Evanchik, and Christopher Spahn, all Certified Financial Planners (CFP®), take a holistic approach to financial planning, addressing investments, risk management, insurance, taxes, liquidity, credit, and estate planning.
Edward McCormick, a Chartered Alternative Investment Analyst (CAIA®) and Certified Investment Management Analyst (CIMA®), conducts in-depth research on alternative investments for client portfolios.
Christopher Spahn, also a Certified Retirement Counselor (CRC®), specializes in personalized pre- and post-retirement planning.
Finances can be complex, but our diverse expertise provides a well-rounded, strategic approach. Our ultimate goal is to give you financial confidence with a clear, customized plan for your future.
Our team takes a collaborative approach, ensuring you benefit from the expertise of multiple advisors.
David Meeks, Steven Evanchik, and Christopher Spahn, all Certified Financial Planners (CFP®), take a holistic approach to financial planning, addressing investments, risk management, insurance, taxes, liquidity, credit, and estate planning.
Edward McCormick, a Chartered Alternative Investment Analyst (CAIA®) and Certified Investment Management Analyst (CIMA®), conducts in-depth research on alternative investments for client portfolios.
Christopher Spahn, also a Certified Retirement Counselor (CRC®), specializes in personalized pre- and post-retirement planning.
Finances can be complex, but our diverse expertise provides a well-rounded, strategic approach. Our ultimate goal is to give you financial confidence with a clear, customized plan for your future.
Services Include
- AnnuitiesFootnote1
- Alternative InvestmentsFootnote2
- 529 PlansFootnote3
- Asset Management
- Certificates of DepositFootnote4
- Corporate BondsFootnote5
- Estate Planning StrategiesFootnote6
- Exchange Traded FundsFootnote7
- Financial PlanningFootnote8
- Fixed IncomeFootnote9
- Cash Management and Lending ProductsFootnote10
- Life InsuranceFootnote11
- Long Term Care InsuranceFootnote12
- Municipal BondsFootnote13
- Planning for Education FundingFootnote14
- Professional Portfolio ManagementFootnote15
- Qualified Retirement PlansFootnote16
- Retirement PlanningFootnote17
- Structured ProductsFootnote18
- SyndicateFootnote19
- Trust AccountsFootnote20
- Trust ServicesFootnote21
- UGMA/UTMAFootnote22
- Wealth PlanningFootnote23
- Wealth ManagementFootnote24
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
Working with our clients, we believe that it is critical to understand our clients' holistic financial picture. We want to understand your assets, your liabilities, goals, risk tolerance, priorities, and long-term needs, including those you want for future generations.
Discovery
Our relationship begins with an initial discussion aimed at getting to know each other. This meeting will include a complimentary review of your current financial situation to determine potential opportunities and strategies. It will be a relaxed conversation and at no cost to you. Following this meeting, we want you to get a sense of what it might be like to work together. Click ‘Contact Us’ if you would like to schedule a meeting.
Form a strategy
Using your life goals as our compass, we create a risk-balanced strategy which maps a clear path to achieving your success & reaching your goals
Implementing Your Plan
We apply extensive research and analysis, and also utilize Morgan Stanley’s full suite of resources, to ensure swift decisive action in all market scenarios.
Measuring Your Success
We check in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards your goals. Our ultimate mission is your success and well-being.
A Plan that Works for You
Are you looking to plan for retirement, for your child's education, for a house, or leave a legacy for future generations? Whatever your goals may be, there is a plan we can put in place to help you achieve them. However, setting up a plan is just the beginning because as we all know, there will be change. As your life evolves, markets fluctuate, and laws change, it is also important to review your plan and adjust the course. Our years of experience along with a suite of analytical tools can not only help create your custom plan, but also to monitor it as life progresses.
LifeView Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that I can use with my clients to create a holistic strategy that integrates the various aspects of an individual's financial life, including investments and cash management needs.
Learn More
Goals 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.
Learn More
CashPlus: A Modern Alternative to Banking
With a CashPlus brokerage account, you can manage your cash and get more value, more protection, and a seamless digital experience. Contact me to discuss or click here. Terms apply.
Learn More
Intelligent Withdrawals
Intelligent Withdrawal gives us the ability to look across multiple accounts and products to identify the right combination of securities and tax lots to sell so you can help meet spending needs while making the most out of your hard-earned money.
Learn More
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio's exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Learn MoreFirm Resources
Here at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We are firm believers of giving our clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. Morgan Stanley seeks to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future, and why. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
Insurance and Retirement Planning
Insurance isn't just for supporting dependents if something happens to you. It can also be part of a long-term retirement strategy.
Learn More
Alternative Investments
Our leading alternatives platform offers 160+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
Morgan Stanley Alternative Investments
Home Loans
As a Morgan Stanley client, you have access to our dedicated Home Loans team, who will work with you to explore the right solution for your home financing needs.
Options To Meet Your Needs
Trust & Estate Planning
With you every step of the way. We analyze your tax and estate structures so that your tax characteristics are accurately incorporated in the asset allocation analysis performed for you and your family.
Click here to learn more
Tax Management
The tax decisions you make today can help you save for years to come. There are many tax smart strategies for your financial plan.
Tax Efficient Planning
Morgan Stanley at Work
We believe there’s no better investment your company can make than in your employees. When they work at their best, so does your business. That’s why Morgan Stanley at Work delivers workplace financial solutions that can help your employees build financial confidence and help you attract and retain top talent.
Learn More Here
Executive Financial Services
From 10b5-1 trading plans to Rule 144 form filing and tax mitigation strategies, our dedicated team provides hands-on support for your executives’ equity compensation plans.
Learn More Here
Donor Advised Funds
Donor-advised funds (DAFs) offer a flexible way to manage charitable giving by allowing individuals to contribute assets and recommend grants to nonprofit organizations. They provide tax benefits and the ability to support causes over time. Morgan Stanley offers a platform for clients to manage DAFs, with options for investment and administrative support.
Learn More Here
Pre-Liquidity Event Planning
Liquidity events such as an initial public offering or a
merger or acquisition may provide income tax and
transfer tax planning opportunities. Liquidity events also magnify the need to put in place or update certain
essential estate planning documents
Pre-Liquidity Event Planningmerger or acquisition may provide income tax and
transfer tax planning opportunities. Liquidity events also magnify the need to put in place or update certain
essential estate planning documents
Entrepreneurship Tool Kit
Whether you're starting, growing, or refining your business, the Entrepreneurship Toolkit offers valuable insights and strategies to help you navigate the path ahead. Designed to support innovators and business leaders, this toolkit provides essential resources to turn ideas into action.
Learn More About The Entrepreneurship Tool Kit Here
Global Investment Committee on the Markets
A monthly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out this month's edition below.
Read: "GIC on the Markets"Working with us and being a client at Morgan Stanley provides our clients with access to Morgan Stanley's robust suite of digital tools. In today's busy world, these Modern Wealth Management tools provide our clients with simple and easy ways to access your accounts and manage your wealth effectively. We are happy to assist you in signing up for any of these services.
Morgan Stanley Online
Morgan Stanley Online provides a simple and easy way for clients to monitor and manage their account with us because it allows you to easily view your account balance, activity, and holdings. It is also the home base to many of the following features.
MSO
Total Wealth View
Complete your financial profile with Total Wealth View. By linking your external account information you will benefit from more educated and holistic wealth planning, along with convenient connectivity.
Learn More about Total Wealth View
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative risk engine used by several of the world's largest institutional asset managers. Providing you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios. This helpful tool can assist you in making educated investment decisions with increased confidence.
Learn more about the Portfolio Risk Platform
MS Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that rewards clients with over one million dollars in assets and liabilities invested at the firm. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn more about MS Reserved
Protecting your Smart Device
Smart devices, we can't live without them. They know our voices, our search history, and much more. This can present security risks.
Learn how to protect your smart device
Online Security Center
Safeguarding your assets and personal information is paramount to us. Learn about our extensive security measures and take advantage of our numerous resources and ideas that are geared towards helping you stay protected on the World Wide Web.
Learn more about online securityLocation
500 Post Road East
3rd Fl
Westport, CT 06880
US
Direct:
(203) 221-6050(203) 221-6050
8889 Pelican Bay Blvd
Suite 300
Naples, FL 34108
US
Meet The Westport Cornerstone Group
Phone:
(203) 221-6002(203) 221-6002
David Meeks, CFP®
Senior Vice President, Financial Advisor
Phone:
(203) 221-6049(203) 221-6049
Steven Evanchik, CFP®
First Vice President, Financial Advisor
Phone:
(203) 221-6048(203) 221-6048
Janice Loschiavo
Senior Client Service Associate
Phone:
(203) 221-6039(203) 221-6039
About Edward J. McCormick, Jr.
Ed is a Financial Advisor and Senior Vice President at Morgan Stanley. With a long financial services career, Ed has built strong relationships with his clients, provided them with distinctive and timely alternatives to their investment portfolios, and takes pride in helping his clients achieve their financial goals.
Prior to joining Morgan Stanley at the end of 2021, Ed spent 20 years at UBS as a Wealth Adviser. He began his career in financial services working as an Internal Auditor for Tucker Anthony and R.L Day for one year before spending the next 7 years with them working as a Financial Advisor. After, he transitioned to Prudential Securities where he worked as a Sales/Branch Manager in their flagship office at One Liberty Plaza in NYC for 10 years, which then led him to UBS.
Ed received his Bachelor of Science degree in Finance from Providence College, class of 1982, and he also holds designations as both a Chartered Alternative Investment Analyst (CAIA®) and a Certified Investment Management Analyst (CIMA®).
Ed grew up in Cumberland, RI, but he currently lives in Connecticut with his wife, Karen, and their dog Finn. His youngest daughter lives in Charlotte, NC as does his eldest daughter and husband. Ed has a son who lives in Austin, Texas with his wife and daughter Chloe. He enjoys playing golf and any sport with a racquet, especially tennis, paddle tennis, and pickle ball. He currently volunteers with American Corporate Partners where he assists military veterans with their transition to the civilian workforce. Past affiliations include President of the Greater Bridgeport Junior Hockey Association.
Prior to joining Morgan Stanley at the end of 2021, Ed spent 20 years at UBS as a Wealth Adviser. He began his career in financial services working as an Internal Auditor for Tucker Anthony and R.L Day for one year before spending the next 7 years with them working as a Financial Advisor. After, he transitioned to Prudential Securities where he worked as a Sales/Branch Manager in their flagship office at One Liberty Plaza in NYC for 10 years, which then led him to UBS.
Ed received his Bachelor of Science degree in Finance from Providence College, class of 1982, and he also holds designations as both a Chartered Alternative Investment Analyst (CAIA®) and a Certified Investment Management Analyst (CIMA®).
Ed grew up in Cumberland, RI, but he currently lives in Connecticut with his wife, Karen, and their dog Finn. His youngest daughter lives in Charlotte, NC as does his eldest daughter and husband. Ed has a son who lives in Austin, Texas with his wife and daughter Chloe. He enjoys playing golf and any sport with a racquet, especially tennis, paddle tennis, and pickle ball. He currently volunteers with American Corporate Partners where he assists military veterans with their transition to the civilian workforce. Past affiliations include President of the Greater Bridgeport Junior Hockey Association.
Securities Agent: ME, CT, TN, SC, NM, MA, CO, AZ, VT, NJ, MN, MI, VA, NY, LA, OR, NH, GA, CA, TX, RI, MT, DC, NC, IL, AL, NV, FL, KY, WA, PA, MD, DE; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 2310585
NMLS#: 2310585
About Christopher Spahn
Chris is a Financial Advisor and Senior Vice President at Morgan Stanley Wealth Management. With over 30 years of experience as a financial advisor, Chris takes great pride in helping his clients plan for and achieve their financial goals. He is passionate about working with clients to find customized solutions for their unique pre- and post-retirement needs.
Chris joined the Westport office of Morgan Stanley in 2022 and before that, he was a financial advisor at UBS Financial Services for ten years. Prior to that, Chris was a financial advisor with Well Fargo Advisors and their predecessor firms, Wachovia Securities and A.G. Edwards & Sons, for 17 years. Chris started his career on Wall Street at W.J. Nolan & Company in 1991.
Chris earned a Bachelor of Science degree in Finance from Providence College, Class of 1991. He has held the Certified Financial Planner (CFP ®) designation since 2007 and he earned the Certified Retirement Counselor (CRC ®) designation in 2025 formalizing his lengthy experience in retirement planning.
Chris is a native of Rockville Centre, NY and lives in Ridgefield, CT where he and his wife, Gina, raised their four children. Chris enjoys playing basketball, golf, hiking, and fishing and he is active in his church, a local high school, and his town’s travel basketball program.
Chris joined the Westport office of Morgan Stanley in 2022 and before that, he was a financial advisor at UBS Financial Services for ten years. Prior to that, Chris was a financial advisor with Well Fargo Advisors and their predecessor firms, Wachovia Securities and A.G. Edwards & Sons, for 17 years. Chris started his career on Wall Street at W.J. Nolan & Company in 1991.
Chris earned a Bachelor of Science degree in Finance from Providence College, Class of 1991. He has held the Certified Financial Planner (CFP ®) designation since 2007 and he earned the Certified Retirement Counselor (CRC ®) designation in 2025 formalizing his lengthy experience in retirement planning.
Chris is a native of Rockville Centre, NY and lives in Ridgefield, CT where he and his wife, Gina, raised their four children. Chris enjoys playing basketball, golf, hiking, and fishing and he is active in his church, a local high school, and his town’s travel basketball program.
Securities Agent: GA, FL, CT, AL, NY, NC, MD, IL, DE, VT, AZ, WA, TX, PA, NV, OR, KY, MT, ID, DC, RI, NJ, ME, LA, SC, NM, NH, CA, MA, VA, MN, CO, TN, MI; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 136548
NMLS#: 136548
About David Meeks
David is a Financial Advisor and Senior Vice President at Morgan Stanley. With a long financial services career, David has acquired the skills and experience to navigate the many complex situations surrounding his client's needs. He takes pride in the comprehensive plans he puts together for his clients to help give them confidence in knowing their future is backed by a sound, well thought-out plan.
Prior to joining Morgan Stanley at the end of 2021, David worked for UBS Financial in Westport, Connecticut for 20 years. Prior to that, he was a Sales Manager for Prudential Securities home office in New York City. David started his brokerage career at Tucker Anthony & RL Day in Stamford, Connecticut.
His financial career started in 1986 with Hartford National bank in Stamford.
David received his Bachelor of Science degree in Business Administration from the University of Redlands, Redlands, CA, class of 1982. He currently holds a designation as a Certified Financial Planner (CFP®) since 1990.
David grew up in Edina, MN, but he currently lives in Bigfork, MT with his wife, Melanie. He has two sons, one who lives in Steamboat Springs, CO and the other in Bozeman, MT. Outside of the office, he enjoys playing golf, hiking, and spending time with his grandkids. He is also the Assistant Coach for the Bigfork High School Golf team.
Prior to joining Morgan Stanley at the end of 2021, David worked for UBS Financial in Westport, Connecticut for 20 years. Prior to that, he was a Sales Manager for Prudential Securities home office in New York City. David started his brokerage career at Tucker Anthony & RL Day in Stamford, Connecticut.
His financial career started in 1986 with Hartford National bank in Stamford.
David received his Bachelor of Science degree in Business Administration from the University of Redlands, Redlands, CA, class of 1982. He currently holds a designation as a Certified Financial Planner (CFP®) since 1990.
David grew up in Edina, MN, but he currently lives in Bigfork, MT with his wife, Melanie. He has two sons, one who lives in Steamboat Springs, CO and the other in Bozeman, MT. Outside of the office, he enjoys playing golf, hiking, and spending time with his grandkids. He is also the Assistant Coach for the Bigfork High School Golf team.
Securities Agent: KY, AL, NM, CA, VT, ID, TX, PA, NJ, IL, DC, VA, SC, NY, MD, DE, CT, RI, OR, NC, ME, AZ, MA, CO, MN, LA, GA, NV, NH, FL, WA, MT, MI; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 2306053
NMLS#: 2306053
About Steven Evanchik
Steve is a Financial Advisor and First Vice President at Morgan Stanley. With over 15 years of experience as a Financial Advisor, Steve has helped his clients put together financial plans tailored to their goals. Steve’s prior experience of 20+ years in public accounting and corporate finance brings a distinctive perspective to guiding his clients through their financial challenges.
Before joining Morgan Stanley at the end of 2021, Steve spent the previous 15 years at UBS as a Financial Advisor. Out of college, Steve worked at Ernst and Whinney for three years as an auditor of large public firms. He then worked for Branson Ultrasonics as an accounting supervisor for two years before transitioning to his role as Vice President and Corporate Controller at Hyperion Software where he oversaw 65 staff members in 11 countries.
Steve received his Bachelor of Business Administration from Pace University in 1985. He became a Certified Public Accountant (CPA) in 1987 (not practicing at Morgan Stanley) and then received his designation as a Certified Financial Planner (CFP®) in 2009.
Steve grew up in Woodside, Queens, but he currently lives in Connecticut with his wife, Gosia, and their two children. Outside of the office, Steve takes pride in being the chief cheerleader for his kid's hockey, swimming, gymnastics, and baseball games. He also enjoys playing golf, is a horticulturist, and tries to travel as much as possible.
Before joining Morgan Stanley at the end of 2021, Steve spent the previous 15 years at UBS as a Financial Advisor. Out of college, Steve worked at Ernst and Whinney for three years as an auditor of large public firms. He then worked for Branson Ultrasonics as an accounting supervisor for two years before transitioning to his role as Vice President and Corporate Controller at Hyperion Software where he oversaw 65 staff members in 11 countries.
Steve received his Bachelor of Business Administration from Pace University in 1985. He became a Certified Public Accountant (CPA) in 1987 (not practicing at Morgan Stanley) and then received his designation as a Certified Financial Planner (CFP®) in 2009.
Steve grew up in Woodside, Queens, but he currently lives in Connecticut with his wife, Gosia, and their two children. Outside of the office, Steve takes pride in being the chief cheerleader for his kid's hockey, swimming, gymnastics, and baseball games. He also enjoys playing golf, is a horticulturist, and tries to travel as much as possible.
Securities Agent: VT, ME, CO, TX, NV, NM, NC, LA, FL, VA, MD, GA, AL, PA, OR, MN, MA, DE, CT, NY, NJ, NH, MT, RI, KY, SC, CA, MI, IL, DC, AZ, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 2308530
CA Insurance License #: 0G04069
NMLS#: 2308530
CA Insurance License #: 0G04069
About Janice Loschiavo
Janice is a native of Connecticut - growing up, attending college, and still currently living there. After graduating from Sacred Heart University in 1991 with a degree in Finance and Business Administration, she began her career at Century 21 as a Real Estate Salesperson. She then worked as the Head Teller at Chase Bank, before transitioning into her role as a Registered Client Service Associate at Wachovia. She remained in this role but moved to UBS Financial Services and then joined Morgan Stanley at the end of 2021.
Janice is often the first point of contact and can assist you with many of your transactional needs that may arise on a daily basis, including account documentation, money movement, IRA distributions, and other service-related issues. When calling us, Janice's voice may often be the first one you hear.
In her personal life, she enjoys spending time with her family and friends, travelling, and working around the yard.
Janice is often the first point of contact and can assist you with many of your transactional needs that may arise on a daily basis, including account documentation, money movement, IRA distributions, and other service-related issues. When calling us, Janice's voice may often be the first one you hear.
In her personal life, she enjoys spending time with her family and friends, travelling, and working around the yard.
Contact Edward J. McCormick, Jr.
Contact Christopher Spahn
Contact David Meeks
Contact Steven Evanchik
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Tax-Smart Ways to Sell Securities
How investors can tap their portfolios in tax-savvy ways.
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Westport Cornerstone Group today.
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.
1Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
3Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
4Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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 and other legal matters.
7An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
8Morgan 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.
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
10Morgan 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
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
14When 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.
15Morgan 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.
16When 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.
17When 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.
18Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
19Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
20Morgan 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.
21Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan 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.
22Morgan 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.
23Morgan 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.
Morgan 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.
24Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
3Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
4Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
5Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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 and other legal matters.
7An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
8Morgan 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.
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
10Morgan 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
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
14When 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.
15Morgan 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.
16When 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.
17When 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.
18Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
19Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
20Morgan 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.
21Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan 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.
22Morgan 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.
23Morgan 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.
Morgan 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.
24Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)