Tyson Abert
Senior Private Banker
J. Michael Asuncion
Vice President, Wealth Management,
Financial Advisor,
Financial Planning Specialist
Direct:
(262) 523-8328(262) 523-8328
My Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
My Story and Services
Michael is a Vice President and Financial Advisor with The Corners Group at Morgan Stanley. With an emphasis on asset allocation, he collaborates closely with clients to deliver tailored investment solutions that align their current finances to help achieve their future goals. Michael is also a fervent believer in making financial advice accessible to and understandable for younger generations.
Michael serves on the board of the Milwaukee Area Youth Lacrosse Association (MAYLA) as Boy's Youth Director and is the Assistant Coach for The Whitefish Bay/Nicolet/Shorewood High School Varsity Lacrosse Team and a member of The Elmbrook Rotary Club.
He holds a bachelor’s degree in economics from Kenyon College, where he played Division 3 Lacrosse.
In his free time, Michael enjoys playing and coaching lacrosse, golf, visiting museums, and volunteering. Periodically, Michael travels home to the East Coast to visit family and friends.
Michael serves on the board of the Milwaukee Area Youth Lacrosse Association (MAYLA) as Boy's Youth Director and is the Assistant Coach for The Whitefish Bay/Nicolet/Shorewood High School Varsity Lacrosse Team and a member of The Elmbrook Rotary Club.
He holds a bachelor’s degree in economics from Kenyon College, where he played Division 3 Lacrosse.
In his free time, Michael enjoys playing and coaching lacrosse, golf, visiting museums, and volunteering. Periodically, Michael travels home to the East Coast to visit family and friends.
Securities Agent: FL, CA, KY, DC, AL, ID, IA, MO, DE, AZ, WA, VT, VA, UT, OH, NM, MT, LA, IL, WY, OR, MS, MI, CT, NV, CO, SC, IN, TX, RI, PA, NY, NJ, NC, MN, KS, AR, TN, PR, MD, MA, HI, WI, NH, NE, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 2437364
CA Insurance License #: 4323316
NMLS#: 2437364
CA Insurance License #: 4323316
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Community Involvement
Kenyon College
I graduated from Kenyon College in Ohio with a Bachelor's degree in Economics. In college, I played Division 3 Lacrosse.
Marquette University High School
I'm an assistant coach for the Marquette University High School Varsity Lacrosse team.
Milwaukee Area Youth Lacrosse Association (MAYLA)
I serve on the board of the Milwaukee Area Youth Lacrosse Association (MAYLA) as Boy's Youth Director.
COMPREHENSIVE FINANCIAL PLANNING
Regardless of what stage your life is in - moving ahead in your career, enjoying retirement, or somewhere in between - as your Financial Advisors, The Corners Group can help you achieve your financial goals.
Financial Planning
The Corners Group takes care of your retirement accounts and other investments based on your comfort level with risk and your current tax circumstances. We take a holistic approach to bring all the aspects of your financial life together. We then use our perspective and experience with other unique clients like you to make recommendations on spending, giving, and living.
Retirement Planning
The Corners Group helps you identify the most appropriate ways to get the income you need and makes sure you are on track for your financial goals. Planning is paramount to a successful retirement. We bring an intense focus to this process. You have worked hard to get where you are at. Now it is up to us to help you live the retirement you have always dreamt of.
401(k) Rollovers
Rollovers can be beneficial to you in several ways. It can help simplify your life by consolidating your assets. We can make sure that there is no risk of overlap or concentration insecurities. We can make taking required minimum distributions easier. You also have the full suite of an open platform from which to choose investments from.
Alternative Investments
We leverage our unique position and our affiliates to source innovative strategies from among the most knowledgeable investment minds in the business. Our team employs rigorous due diligence to identify, evaluate, and select, each alternative investment product on our platform. We want to identify the managers that we believe are highly qualified to help our clients meet their objectives.
Cash Management with Morgan Stanley
Smart cash management of your cash is critical to the success of your overall wealth management plan. With a CashPIus brokerage account, you can get more value, more protection, and a seamless digital experience. Contact us to find out more about Morgan Stanley's full suite of cash management solutions.
Trust & Estate Planning
Regardless of your current financial circumstances, it is crucial to have a backup plan for your money. Our team at The Corners Group regularly reviews your finances with you. Moreover, we coordinate with your estate attorney to help make sure that we meet your wishes in the most efficient and cost-effective way possible.
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. These strategies include: preparing for tax day, tax-efficient investing, tax strategies for retirement, tax-smart giving, and more.
529 College Savings Plans
A 529 Plan can help you pave the way for a loved one on the path to success. The 529 Plan reduces both the income taxes on your investments and the taxable value of your estate for federal estate tax purposes. The combination of income tax-free growth, estate tax benefits, attractive continuous-control features, and versatility, make 529 plans the education investment vehicle of choice.
UTMA/UGMA (Uniform Trust/Gift to Minors Act Account)
The Uniform Transfers to Minors Act (UTMA) or the Uniform Gift to Minors Act (UGMA) governs accounts established by custodians for the benefit of a minor child. Every state has adopted one form of these uniform accounts. Both UTMA and UGMA allow a person to fund an account owned by a child. The age of majority is set by the UTMA or UGMA statute and typically ranges from 18 to 21.
Life Insurance
Some of the most common uses of life insurance are protection, wealth accumulation, and wealth transfer. Life insurance can provide for dependents and pay for final expenses upon death. Also, life insurance can also play an important role in your portfolio during your lifetime. Many life insurance policies have features that can help individuals meet their financial goals.
The Corners Group can provide clients with further guidance, insights and thought leadership about the alternative investments asset class and strategies provided by Morgan Stanley Wealth Management.
The sole purpose of this material is to inform, and it in no way is intended to be an offer or solicitation to purchase or sell any security, other investment or service, or to attract any funds or deposits. Investments mentioned may not be appropriate for all clients. Any product discussed herein may be purchased only after a client has carefully reviewed the offering memorandum and executed the subscription documents. Morgan Stanley Wealth Management has not considered the actual or desired investment objectives, goals, strategies, guidelines, or factual circumstances of any investor in any fund(s). Before making any investment, each investor should carefully consider the risks associated with the investment, as discussed in the applicable offering memorandum, and make a determination based upon their own particular circumstances, that the investment is consistent with their investment objectives and risk tolerance.
Alternative investments often are speculative and include a high degree of risk. Investors could lose all or a substantial amount of their investment. Alternative investments are appropriate only for eligible, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time. They may be highly illiquid and can engage in leverage and other speculative practices that may increase the volatility and risk of loss. Alternative Investments typically have higher fees than traditional investments. Investors should carefully review and consider potential risks before investing.
Past performance is no guarantee of future results. Actual results may vary. Diversification does not assure a profit or protect against loss in a declining market.
Alternative investments involve complex tax structures, tax inefficient investing, and delays in distributing important tax information. Individual funds have specific risks related to their investment programs that will vary from fund to fund. Clients should consult their own tax and legal advisors as Morgan Stanley Wealth Management does not provide tax or legal advice.
Interests in alternative investment products are only made available pursuant to the terms of the applicable offering memorandum, are distributed by Morgan Stanley Smith Barney LLC and certain of its affiliates, and (1) are not FDIC-insured, (2) are not deposits or other obligations of Morgan Stanley or any of its affiliates, (3) are not guaranteed by Morgan Stanley and its affiliates, and (4) involve investment risks, including possible loss of principal. Morgan Stanley Smith Barney LLC is a registered broker-dealer, not a bank.
The sole purpose of this material is to inform, and it in no way is intended to be an offer or solicitation to purchase or sell any security, other investment or service, or to attract any funds or deposits. Investments mentioned may not be appropriate for all clients. Any product discussed herein may be purchased only after a client has carefully reviewed the offering memorandum and executed the subscription documents. Morgan Stanley Wealth Management has not considered the actual or desired investment objectives, goals, strategies, guidelines, or factual circumstances of any investor in any fund(s). Before making any investment, each investor should carefully consider the risks associated with the investment, as discussed in the applicable offering memorandum, and make a determination based upon their own particular circumstances, that the investment is consistent with their investment objectives and risk tolerance.
Alternative investments often are speculative and include a high degree of risk. Investors could lose all or a substantial amount of their investment. Alternative investments are appropriate only for eligible, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time. They may be highly illiquid and can engage in leverage and other speculative practices that may increase the volatility and risk of loss. Alternative Investments typically have higher fees than traditional investments. Investors should carefully review and consider potential risks before investing.
Past performance is no guarantee of future results. Actual results may vary. Diversification does not assure a profit or protect against loss in a declining market.
Alternative investments involve complex tax structures, tax inefficient investing, and delays in distributing important tax information. Individual funds have specific risks related to their investment programs that will vary from fund to fund. Clients should consult their own tax and legal advisors as Morgan Stanley Wealth Management does not provide tax or legal advice.
Interests in alternative investment products are only made available pursuant to the terms of the applicable offering memorandum, are distributed by Morgan Stanley Smith Barney LLC and certain of its affiliates, and (1) are not FDIC-insured, (2) are not deposits or other obligations of Morgan Stanley or any of its affiliates, (3) are not guaranteed by Morgan Stanley and its affiliates, and (4) involve investment risks, including possible loss of principal. Morgan Stanley Smith Barney LLC is a registered broker-dealer, not a bank.
Private Credit
Private credit investing is an essential component of Morgan Stanley Investment Management's alternative investments platform. At The Corners Group, we manage a well-defined group of strategies and seek to deliver attractive returns to our investors by forging successful partnerships with our portfolio companies.
Learn More About Private Credit
Private Real Estate
Morgan Stanley Real Estate Investing (MSREI) is the global private real estate investment management arm of Morgan Stanley. With ~200 professionals in 17 offices across 13 countries, plus decades of experience investing internationally, (MSREI) can execute core and opportunistic strategies globally. Find out more on how The Corners Group supports clients through private real estate investment.
Learn More About Private Real Estate
Private Equity
Our private equity teams invest in segments of the market that are underserved by other providers of private capital. We invest directly in private businesses and also allocate capital to fund managers, secondary market opportunities and co-investments for our limited partners. We seek situations where we believe our experience, reputation and access to the unparalleled resources of Morgan Stanley will help enable us to potentially generate attractive risk-adjusted returns.
Learn More About Private Equity
Infrastructure
Morgan Stanley Investment Management has been investing in infrastructure assets globally for over 10 years. We have since emerged as one of the industry's leading direct infrastructure investment platforms with offices in New York, London, Melbourne, Hong Kong, Amsterdam, and Mumbai. Discover how The Corners Group helps clients invest in their infrastructure.
Learn More About Infrastructure
Hedge Funds
Morgan Stanley specializes in delivering a broad range of hedge fund portfolio solutions to a global client base. Our Firms strategies include custom hedge fund portfolios; broadly diversified, opportunistic and strategy-specific funds; and advisory services. Learn more about the way The Corners Group helps its clients invest in hedge funds.
Learn More About Hedge Funds
Custom Multi-Asset Solutions
Morgan Stanley specializes in managing custom alternative investment solutions that enable financial advisors to address the unique risk, return and liquidity objectives of their clients. Find out more about The Corners Group process and how we help clients with custom multi-asset solutions.
Learn More About Custom Multi-Asset SolutionsMONTHLY OUTLOOKS & UPDATES
I strive to simplify complex financial ideas so that clients can plan for their financial future. I believe in giving clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
Thoughts on the Market
Each week, Chief Cross-Asset Strategist Andrew Sheets, or a member of his team, offers perspective on the forces shaping the markets as well as insights on investment opportunities and risk across global asset classes.
Listen Here
7 Investment Ideas That Could Drive Markets in 2023
From the resurgence of mega-cap tech stocks to the outlook for private markets and European banks, Morgan Stanley’s views differ from the consensus on key issues that could drive stock prices and shape markets in 2023.
Read More
Global Investment Committee on the Markets
A 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 the most recent edition below.
Read: "GIC on the Markets"
2023 Tax Tables
This helpful resource outlines the 2023 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. Please refer to the attachment below to locate the 2023 Federal Tax Tables.
Click Here for 2023 Federal Income Tax TablesClient Service Team
Cathy Czuta - Senior Client Service Associate
Phone:
(414) 256-2308(414) 256-2308
Email:Cathy.Czuta@morganstanley.com
Cathy focuses on client administrative needs and providing a high-level service experience, In her free time Cathy enjoys working out, kayaking, and spending time with her two grown children and grandsons.
Daniel Daly - Assistant Vice President, Wealth Management Associate
Phone:
(414) 256-1642(414) 256-1642
Email:Daniel.Daly@morganstanley.com
Dan began his career with Merrill Lynch in 1979 and joined Morgan Stanley as a Financial Advisor in 1984. With over 40 years in the financial services industry, he has held a variety of positions with the Firm. Dan currently manages a variety of client inquiries, facilitates trading, and provides a high-level service experience.
Dan is an avid sports fan and enjoys spending time with his six children and fifteen grandchildren.
Dan is an avid sports fan and enjoys spending time with his six children and fifteen grandchildren.
Colleen Lamb, Financial Planning Specialist - Assistant Vice President, Group Director
Phone:
(414) 266-5157(414) 266-5157
Email:Colleen.Lamb@morganstanley.com
Colleen is a Financial Planning Specialist and Group Director. She has an intimate knowledge of planning and digital tools. Colleen graduated with a Bachelor of Science degree in Business Administration from the University of of Wisconsin - Platteville and has been with Morgan Stanley since 2008.
CA Insurance License #: 0159340
Anita Teggatz - Assistant Vice President, Wealth Management Associate
Phone:
(262) 523-8332(262) 523-8332
Email:Anita.Teggatz@morganstanley.com
Anita serves clients by providing personalized attention and solution-oriented service.
As a Wealth Management Associate, Anita is dedicated to building personal and professional relationships with clients, while supporting the needs of the financial advisors. Responsible for administrative oversight, handling client inquiries, facilitating client transactions and marketing initiatives, her energy and skills result in a first-class experience for clients.
With over 40 years of experience in the securities industry, Anita’s strong background enables her to provide a seasoned perspective and effective client service. She began her career in 1978 as a wire operator at Smith Barney Harris Upham and her career has progressed continually.
In her free time, Anita enjoys gardening, reading, cooking and taking advantage of the variety of outdoor activities in northern Wisconsin. A native of Maryland, she enjoys traveling back to the East Coast to visit her friends and family.
As a Wealth Management Associate, Anita is dedicated to building personal and professional relationships with clients, while supporting the needs of the financial advisors. Responsible for administrative oversight, handling client inquiries, facilitating client transactions and marketing initiatives, her energy and skills result in a first-class experience for clients.
With over 40 years of experience in the securities industry, Anita’s strong background enables her to provide a seasoned perspective and effective client service. She began her career in 1978 as a wire operator at Smith Barney Harris Upham and her career has progressed continually.
In her free time, Anita enjoys gardening, reading, cooking and taking advantage of the variety of outdoor activities in northern Wisconsin. A native of Maryland, she enjoys traveling back to the East Coast to visit her friends and family.
Steven Winter - Senior Registered Associate
Phone:
(262) 523-8349(262) 523-8349
Email:Steven.M.Winter@morganstanley.com
Steve is a Senior Registered Associate, with a focus in investment opportunity analysis. He began his career with Merrill Lynch in 1981 and passed the Series 7 exam in 1990. Steve has been with Morgan Stanley since 2004 and joined The Corners Group in 2016.
He, and his wife Joan, have three adult children and he enjoys reading, volunteering, and spending time with his family.
He, and his wife Joan, have three adult children and he enjoys reading, volunteering, and spending time with his family.
Location
20975 Swenson Drive
Suite 300
Waukesha, WI 53186
US
Direct:
(262) 523-8328(262) 523-8328
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
About Tyson Abert
Tyson R. Abert is a Senior Private Banker serving Morgan Stanley Wealth Management offices in Wisconsin, Northern Ohio and Western Pennsylvania.
Senior 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.
Tyson began his career in financial services in 2004, and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Development Manager and a Senior Relationship Manager at Wells Fargo’s Commercial Banking Services.
Tyson is a graduate of Illinois State University where he received a Bachelor of Science degree in Finance and Accounting, and Lake Forest Graduate School of Management where he received a Master of Business Administration. He and his family currently reside right outside Milwaukee, Wisconsin. Outside of the office, Tyson enjoys golfing, hunting, boating, fishing, and spending time with his family.
Senior 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.
Tyson began his career in financial services in 2004, and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Development Manager and a Senior Relationship Manager at Wells Fargo’s Commercial Banking Services.
Tyson is a graduate of Illinois State University where he received a Bachelor of Science degree in Finance and Accounting, and Lake Forest Graduate School of Management where he received a Master of Business Administration. He and his family currently reside right outside Milwaukee, Wisconsin. Outside of the office, Tyson enjoys golfing, hunting, boating, fishing, and spending time with his family.
NMLS#: 362127
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
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
Are You Prepared for Tax Day?
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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
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact J. Michael Asuncion today.
1Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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.
3Morgan 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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Structured 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.
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
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.
3Morgan 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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Structured 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.
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)
