Michael Krako
Senior Vice President, Financial Advisor
Phone:
(636) 733-7609(636) 733-7609
Michael Krako
Senior Vice President,
Financial Advisor,
Global Sports and Entertainment Director,
NFLPA Registered Institutional Player Financial Advisor
Direct:
(636) 733-7609(636) 733-7609
My Mission Statement
Helping clients implement full balance sheet solutions in order to achieve their financial aspirations
My Story and Services
Michael Krako is a Senior Vice President, Global Sports and Entertainment Director at Morgan Stanley. Through his role, he provides a holistic suite of services tailored to help meet the diverse needs of his clients. Whether it's strategizing investment portfolios, cash management and lending solutions, or crafting robust financial plans, Michael helps ensure that every aspect of his clients' financial lives is meticulously addressed.
His dedication to providing personalized, end-to-end financial solutions has earned him a reputation as a respected advisor among high net worth families, business owners, corporate executives, athletes, and entertainers. By combining his deep industry knowledge with a commitment to understanding his clients' unique circumstances, Michael helps empower them to make informed decisions that align with their long-term financial goals. This comprehensive approach underscores his commitment to delivering exceptional value and fostering enduring client relationships.
Based in Wildwood, Missouri, Michael resides with his wife Heather and their five children, anchoring his personal life in the values of family and community.
Alongside his professional endeavors, he is deeply committed to philanthropy and giving back to society, exemplifying a full approach to success. Michael's dedication to his clients' financial well-being and his unwavering dedication to his family make him a respected figure both in the financial sector and in his local community.
His dedication to providing personalized, end-to-end financial solutions has earned him a reputation as a respected advisor among high net worth families, business owners, corporate executives, athletes, and entertainers. By combining his deep industry knowledge with a commitment to understanding his clients' unique circumstances, Michael helps empower them to make informed decisions that align with their long-term financial goals. This comprehensive approach underscores his commitment to delivering exceptional value and fostering enduring client relationships.
Based in Wildwood, Missouri, Michael resides with his wife Heather and their five children, anchoring his personal life in the values of family and community.
Alongside his professional endeavors, he is deeply committed to philanthropy and giving back to society, exemplifying a full approach to success. Michael's dedication to his clients' financial well-being and his unwavering dedication to his family make him a respected figure both in the financial sector and in his local community.
Services Include
- Asset Management
- Cash Management and Lending ProductsFootnote1
- Business Succession PlanningFootnote2
- Donor Advised Funds
- Endowments and FoundationsFootnote3
- Estate Planning StrategiesFootnote4
- Institutional ServicesFootnote5
- Philanthropic ManagementFootnote6
- Professional Portfolio ManagementFootnote7
- Trust ServicesFootnote8
- Wealth PlanningFootnote9
- Wealth ManagementFootnote10
Securities Agent: SC, GA, IL, NH, MT, MI, MD, NY, WA, TX, NJ, NE, MO, CT, MA, FL, AZ, CA, WI, PA, KS, TN, OR, NC, IN, ID, AL, VA, NV, MN, KY, CO, OH, RI; General Securities Representative; Investment Advisor Representative
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Clients
I enjoying helping people just like you, in all stages of life.I understand that your specific circumstances may require unique solutions. No problem: I'll work with you to develop detailed wealth plans and concrete strategies.
My clients include:
- Athletes and Entertainers
- Entrepreneurs
- Beneficiaries
- Multi-Generational Family Wealth
- Executives
- Corporations
APPROACH
Our mission is to eliminate confusion and create a one-stop-shop for our clients' financial needs. In order to accomplish this, our approach begins with a thoughtful dialogue. By understanding your circumstance and your family's full dynamic, we are better able to create the most comprehensive plan possible. Not only do we aim to tackle our clients' total financial picture through our boutique approach, but behind us stands broader Morgan Stanley allowing us access to the firm's insights and resources.
Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
DISCLOSURES
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. 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.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
ATHLETES & ENTERTAINERS
It's a widely held misperception that professional athletes and entertainers enjoy access to endless streams of cash. Though some superstars strike it rich, it's important to be prepared for unpredictable outcomes. We help young athletes grow and protect their wealth for long-term planning. Above all, we strive to get to know you and protect not just you but those who are important to you.
You're Unique, We Know Why
- From your variable income streams to your taxes, from your obligations to your aspirations, "typical" is not part of your vocabulary. You need distinctive financial strategies that match your lifestyle and career trajectory.
Concentrated Experience in Capable Hands
- Our broader GSE organization was developed to respond to the specific needs of sports and entertainment professionals at every stage of their careers. We understand your unique financial opportunities and challenges.
Tailored Advice to Meet Your Objectives
- You can leverage us and the vast resources of Morgan Stanley to address any objective, from building and preserving wealth, to starting a philanthropic foundation, to expanding your brand. Whatever aspirations you may have for yourself and your family, we present strategies, products, and services customized to help you reach your goals, your way.
The Power of a Team
- We will routinely work in partnership with other trusted advisors to guide financial decision-making. We support and respect your personal confidants, combining our strengths to help you succeed.
- Developing a sustainable budget
- Determining and articulating your financial goals
- Setting financial boundaries that help safeguard your money
- Creating strategies to help preserve, grow and transfer wealth
- Analyzing investment and/or business opportunities
- Take care of your family without compromising your own future
- Help you understand the mechanics of your financial well-being
- Extend your brand or expand your footprint
- Stretch peak earnings and plan for your lifetime
- Build, buy, borrow and understand how to navigate the financial world
- Make the difference you want to see in the world
Celebrating a Decade. Empowering a Generation
The Morgan Stanley Global Sports & Entertainment division is celebrating its 10th Anniversary of being a leader in the industry. Take a look at the video below to learn more about how the MPT Wealth Management Group can help empower you to reach new heights.
Examples of Our Services
How We Can Help
Financial Solutions for Prospective Pros
The journey to becoming a professional athlete is exciting – and challenging. The Global Sports & Entertaiment Groups can offer financial support at the right moment. Even if an athlete just wants to talk with us to get a second opinion about their options, we're here to help. It's all part of our mission to give back to the sports and entertainment community by providing the skills and knowledge to help athletes make smart choices about their finances. We want athletes to not only think about today, but tomorrow, too.
The Path From Athlete to Entrepreneur
Entrepreneurs and athletes have a lot in common: Both have competitive drives and get-it-done mindsets. They don't shy away from calculated risks and consider failure as a learning opportunity. Many athletes think about what they'll do after sports, some choosing to become entrepreneurs. Learn how a our team can help plan for success.
Investing in Life After the Game
Careers in sports and entertainment follow unique financial trajectories that may benefit from a tailored investing approach. A planned approach with the right asset allocation framework can help athletes and entertainers preserve and, in some cases, enhance their career earnings.
Planning for the Unexpected: Financial Tips for Unpredictable Careers
Athletes and entertainers' careers often have their ups and down, all the more reason to plan ahead for a financially stable future. Here's how.
Morgan Stanley at Work
As a Senior Vice President, I am committed to provide workplace solutions through Morgan Stanley at Work to help employees thrive across three verticals: equity solutions, financial wellness, and retirement plans. We bring in corporate solutions to empower companies in their management of these programs and, ultimately, to support their employees through their financial journeys. Our mission is to assist your company in elevating your workplace financial solutions to the next level and support your employees on their financial journeys, understanding their individual life stages and addressing their timely needs, no matter where they are in their life or career. Discover our workplace financial solutions deliver powerful tools, guidance, and education to help your company and your employees thrive.
- Equity Administration
- Liquidity
- 409A Valuation
- When launching a new equity plan for employees (e.g. ESPP launch, new equity type issued)
- When going global and expanding their equity plan into new jurisdictions/countries
- If dissatisfied with their current provider/platform
- When there's plan-impacting action happening (e.g. merger/acquisition, going from public to private)
- When looking for additional participant offerings to enhance their current benefits program (e.g. financial wellness, retirement planning)
- Defined Contribution Consulting
- Solutions-Oriented Plans
- Fiduciary Investment Oversight
- Recordkeeping and Plan Design
- Portfolio Construction
- Wealth Management Services
- Education
- Financial Guidance
- Perks
- Student Loan Repayment
- College Savings
- Student Loan Refinancing
- Equity Compensation Services
- Equity Award Analysis
- Specialized Solutions
Equity Solutions for Private Companies
Morgan Stanley at Work's comprehensive suite of financial solutions for the private markets is designed to help companies create a culture of ownership. From the early days of a startup to preparing to go public, Morgan Stanley at Work provides the technology and services needed to manage cap tables and equity plans, generate audit-ready 409A valuations, run liquidity programs and support secondary transactions. These equity management solutions, delivered through the Shareworks platform, are complemented by a suite of workplace financial solutions to help build employee financial confidence, foster loyalty, and help companies attract and retain talent. These include:
Equity Solutions for Public Companies
We help corporate clients and prospects get the most from their equity compensation benefits with cutting-edge technology that's customizable and scalable. Whether they're newly public, expanding globally or looking to evolve their equity compensation management offering, we're able to help with their end-to-end equity compensation solutions. Situations when public market clients may be looking for equity compensation management help include:
Retirement Solutions
Retirement Services maintains relationships with service providers to offer an array of product solutions for retirement plans of all sizes. We also have relationships with investment-only providers who offer value-added tools and resources. Some of our services include:
Deferred Compensation
With Morgan Stanley at Work, we have access to a range of Nonqualified Deferred Compensation plan services and will help guide your company in picking the ones that best fit the needs of your company and employees. We can help review and evaluate available plan designs and informal funding strategies through a needs-based assessment, provide manager selection support and investment-related insights to help informally fund a non-qualified deferred compensation plan, and provide participants with plan education through a Morgan Stanley Financial Advisor.
Financial Wellness
The more knowledgeable employees are in their finances, the more confident they can be in work and life. That's why we include Financial Wellness with every service we provide. Through a powerful combination of education, digital tools and financial guidance from our professionals, Financial Wellness is designed to address the unique needs of employees and empower their financial journey at every stage, giving employees the confidence to take charge of their finances. These services include:
Saving and Giving
Saving and Giving benefits can make a real difference in employees' lives as they can support the things that matter most to them—like saving for education and repaying student loans. Companies can show that they are committed to employees' priorities with leading-edge solutions that help them chart a path toward financial well-being. These services include:
Executive Services
While business leaders are busy driving change for a company, our Executive Services team provides specialized expertise in equity compensation so they can keep taking the company to new heights. At Morgan Stanley, we can provide a dedicated team provides concierge-level support for executives' equity compensation, from 10b5-1 trading plans to form filing related to Rule 144 transactions, to access to wealth management and tax-optimization strategies, helping them navigate their complex financial needs with greater confidence and certainty. Some of our services include:
PLAN WITH CONFIDENCE
For many business owners, the eventual sale of their business is an integral part of their financial planning. Though it may seem obvious that leaving enough time to plan and having an adequate plan in place are two key factors in determining transition success, only 27% of business owners say they have a robust business succession plan.1As with the rest of your finances, it is important to construct a roadmap for your business and ensure that it is aligned with your personal aspirations.
Investment Strategy
- After the sale of your business, your finances will likely carry a different look. You may have more cash at your disposal to invest and your continued exposure to your business may lead to future payments. Depending on your equity in the business, it may be worth considering ways to manage concentration risk. We can discuss diversification, strategic selling, and gifting.
Risk Management
- Through this process, it's important to consider how to protect your wealth. Part of the equation may include tailoring your insurance coverage to better reflect your new circumstances. The ownership structure of your assets, using trusts, and using a strategic insurance program could be beneficial in your overall financial plan.
Estate Planning Strategies
- Planning for what happens when after you're gone is key to protecting your legacy. After transition, consider creating or updating your estate plan. We can discuss durable financial powers of attorney, a trusted person who can act on your behalf to ensure financial matters are taken care of, a last will to help articulate your wishes, and a trust to help you further describe how you would like your wealth to be handled.
Source:Business Wire - New-Survey-Explores-State-of-U.S.-Family-Owned-Businesses
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 matters involving trusts, estate planning, charitable giving, philanthropic planning or other legal matters. Morgan 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.
Location
14805 N Outer Forty Rd
Ste 200
Chesterfield, MO 63017
US
Direct:
(636) 733-7609(636) 733-7609
Meet My Team
Chris Baltazar
Director of Business Strategy
Phone:
(636) 733-7637(636) 733-7637
About Michael Krako
Michael is a Financial Advisor and Global Sports and Entertainment Director at Morgan Stanley. Through his role, he provides a holistic suite of services tailored to meet the diverse needs of his clients. Whether it's strategizing investment portfolios, optimizing banking solutions, managing credit, or crafting robust financial plans, Michael ensures that every aspect of his clients' financial lives is meticulously addressed.
His dedication to providing personalized, end-to-end financial solutions has earned him a reputation as a trusted advisor among high net worth families, business owners, corporate executives, athletes, and entertainers. By combining his deep industry knowledge with a commitment to understanding his clients' unique circumstances, Michael empowers them to make informed decisions that align with their long-term financial goals. This comprehensive approach underscores his unwavering commitment to delivering exceptional value and fostering enduring client relationships.
Based in Wildwood, Missouri, Michael resides with his wife Heather and their five children, anchoring his personal life in the values of family and community. Alongside his professional endeavors, he is deeply committed to philanthropy and giving back to society, exemplifying a full approach to success. Michael's dedication to his clients' financial well-being and his commitment to his family make him a respected figure both in the financial sector and in his local community.
His dedication to providing personalized, end-to-end financial solutions has earned him a reputation as a trusted advisor among high net worth families, business owners, corporate executives, athletes, and entertainers. By combining his deep industry knowledge with a commitment to understanding his clients' unique circumstances, Michael empowers them to make informed decisions that align with their long-term financial goals. This comprehensive approach underscores his unwavering commitment to delivering exceptional value and fostering enduring client relationships.
Based in Wildwood, Missouri, Michael resides with his wife Heather and their five children, anchoring his personal life in the values of family and community. Alongside his professional endeavors, he is deeply committed to philanthropy and giving back to society, exemplifying a full approach to success. Michael's dedication to his clients' financial well-being and his commitment to his family make him a respected figure both in the financial sector and in his local community.
Securities Agent: SC, GA, IL, NH, MT, MI, MD, NY, WA, TX, NJ, NE, MO, CT, MA, FL, AZ, CA, WI, PA, KS, TN, OR, NC, IN, ID, AL, VA, NV, MN, KY, CO, OH, RI; General Securities Representative; Investment Advisor Representative
About Chris Baltazar
Chris Baltazar is an Assistant Vice President and Director of Business Strategy with Michael Krako at Morgan Stanley Wealth Management. Leveraging his extensive knowledge on trust services, portfolio construction and allocation, multi-generational wealth structuring, and developing custom credit strategies, Chris works with his clients to develop a customized financial plan around their goals. His approach to his work is based in practicality and effectiveness, providing his clients with a plan that is easy to comprehend, straight-forward in implementation, and simple to pass on:
“My clients are at the center of everything I do… I’m passionate about helping my clients to experience everything they want out of life. I believe in transparency, and I view my clients as partners. We work together to determine the best path forward.”
Before joining Morgan Stanley, Chris started his career in commercial insurance in Portland, Oregon where he designed custom insurance policies for niche markets. He would then transition into banking, seeking out a more proactive approach to financial services. He became passionate about the business during his time working with clients, witnessing firsthand the power that a holistic plan can carry. Chris graduated from Washington State University in Pullman, WA where he studied Psychology and completed his Masters in Finance through Colorado State University-Global.
Chris currently resides with his wife in Wildwood, MO with their two children.
“My clients are at the center of everything I do… I’m passionate about helping my clients to experience everything they want out of life. I believe in transparency, and I view my clients as partners. We work together to determine the best path forward.”
Before joining Morgan Stanley, Chris started his career in commercial insurance in Portland, Oregon where he designed custom insurance policies for niche markets. He would then transition into banking, seeking out a more proactive approach to financial services. He became passionate about the business during his time working with clients, witnessing firsthand the power that a holistic plan can carry. Chris graduated from Washington State University in Pullman, WA where he studied Psychology and completed his Masters in Finance through Colorado State University-Global.
Chris currently resides with his wife in Wildwood, MO with their two children.
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
A Simple Six-Step Retirement Checkup
Article Image
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
Article Image
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
Article Image
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
Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
- Wealth Transfer & Philanthropy
- Private Banking Solutions
- Family Governance & Wealth Education
- Lifestyle Advisory
Ready to start a conversation? Contact Michael Krako today.
1Morgan 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
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
7Morgan 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.
8Morgan 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.
9Morgan 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.
10Morgan 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
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
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
7Morgan 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.
8Morgan 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.
9Morgan 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.
10Morgan 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)
