Phone:
(412) 854-3945(412) 854-3945
Molinero-George Group at Morgan Stanley
Direct:
(412) 854-3945(412) 854-3945
Toll-Free:
(800) 487-1879(800) 487-1879
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Story
The Molinero George Group at Morgan Stanley is committed to building a relationship of trust in which we can work closely with you to help develop, implement and monitor a financial plan. Our most important goal is to help you achieve your financial objectives. Our commitment to the client is to act as a full partner with no conflicts of interest who is always on the same side of the table as our clients.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
Step 1: Getting to Know One Another
-Listen to understand matters of importance to you and your legacy
-Identify unique personal circumstances
-Identify present and future goals
-Identify unique personal circumstances
-Identify present and future goals
Step 2: Assess Your Goals and Situation
-Gather data, financial statements, and documents
-Analyze cash management and investment strategies
-Analyze the vast array of information that is important to you and those you care about.
-Analyze cash management and investment strategies
-Analyze the vast array of information that is important to you and those you care about.
Step 3: Develop the Comprehensive Financial Plan
-Develop a personalized plan using insights and the proprietary tools from Morgan Stanley
-Help address income needs
-Incorporate insurance and estate planning needs
-Integrate alternative investments into the portfolio where it may be appropriate.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
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.
-Help address income needs
-Incorporate insurance and estate planning needs
-Integrate alternative investments into the portfolio where it may be appropriate.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
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.
Step 4: Implement the Plan
-Help address each goal with a tailored approach
-Prioritize and establish timelines
-Set up tools to provide convenient account access
-Coordinate strategies with your CPA and estate attorney if this is applicable
-Prioritize and establish timelines
-Set up tools to provide convenient account access
-Coordinate strategies with your CPA and estate attorney if this is applicable
Step 5: Deliver Ongoing Service
-Schedule regular calls and meetings to monitor goal progress
-Apply a strict due diligence process to evaluate investment performance
-Provide ongoing updates
-Determine if adjustments need to be made so that you can reach your goals
-Apply a strict due diligence process to evaluate investment performance
-Provide ongoing updates
-Determine if adjustments need to be made so that you can reach your goals
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2600 Old Washington Road
Upper St. Clair, PA 15241
US
Direct:
(412) 854-3945(412) 854-3945
Toll-Free:
(800) 487-1879(800) 487-1879
Meet Molinero-George Group
Mason George
Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(412) 995-8772(412) 995-8772
Cathy Buck, Registered Associate
Phone:
(412) 392-8317(412) 392-8317
About Joseph Molinero
Joseph J. Molinero, CIMA®
Senior Vice President - Wealth Management
Branch Manager
Wealth Advisor
A Wealth Advisor with over 30 years of experience in the financial services industry, Joe has developed a keen insight into developing professional and personal relationships. He works closely with his clients in formulating appropriate strategies, and his experience lies in selecting investments that match each client's specific goals and objectives. He places great emphasis on developing a strategic asset allocation among non-correlated securities to help reduce volatility in portfolios. The securities Joe selects for each individual portfolio undergo a due diligence process that Joe applies to his entire practice.
Joe earned his Bachelor's Degree in Finance from Gannon University in Erie, PA. He continued to expand his knowledge by receiving his MBA from Robert Morris University. Joe also earned the prestigious Certified Investment Management Analyst (CIMA®) certification from The Wharton School at the University of Pennsylvania. He currently holds Series 7, 63, 65 and 3 securities licenses, and Pennsylvania Insurance license.
Joe currently resides in the South Hills of Pittsburgh with his wife, Marsha, and children Lydia & Julian. He is very passionate about snow skiing and also enjoys reading, golfing, fishing and biking. Joe is very active in the community, dividing time between the Three Rivers Labor Management Committee, The Pittsburgh Association and volunteering for various children's charities.
Senior Vice President - Wealth Management
Branch Manager
Wealth Advisor
A Wealth Advisor with over 30 years of experience in the financial services industry, Joe has developed a keen insight into developing professional and personal relationships. He works closely with his clients in formulating appropriate strategies, and his experience lies in selecting investments that match each client's specific goals and objectives. He places great emphasis on developing a strategic asset allocation among non-correlated securities to help reduce volatility in portfolios. The securities Joe selects for each individual portfolio undergo a due diligence process that Joe applies to his entire practice.
Joe earned his Bachelor's Degree in Finance from Gannon University in Erie, PA. He continued to expand his knowledge by receiving his MBA from Robert Morris University. Joe also earned the prestigious Certified Investment Management Analyst (CIMA®) certification from The Wharton School at the University of Pennsylvania. He currently holds Series 7, 63, 65 and 3 securities licenses, and Pennsylvania Insurance license.
Joe currently resides in the South Hills of Pittsburgh with his wife, Marsha, and children Lydia & Julian. He is very passionate about snow skiing and also enjoys reading, golfing, fishing and biking. Joe is very active in the community, dividing time between the Three Rivers Labor Management Committee, The Pittsburgh Association and volunteering for various children's charities.
Securities Agent: NY, UT, ND, MI, WV, AZ, MS, NC, NJ, TN, VT, LA, KY, DC, CT, GA, WA, MT, CO, DE, HI, MD, NE, NM, NV, RI, SD, VA, WI, WY, OK, ME, MA, KS, IN, IL, VI, PR, MO, ID, OR, TX, SC, PA, OH, MN, IA, CA, AR, AL, AK, FL, NH; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1312602
CA Insurance License #: #OG45663
NMLS#: 1312602
CA Insurance License #: #OG45663
About Mason George
Mason A. George
Associate Vice President
Pacesetter’s Club Member, 2023, 2024 & 2025
Financial Planning Specialist
Financial Advisor
A Financial Advisor with over five years of experience in the financial services industry. Mason began his career at UBS until he joined Morgan Stanley in 2019. He elected to go through Morgan Stanley’s rigorous twenty-four month (WAA) development program centered on financial planning. This program is where Mason was able to cultivate the planning process he uses today to connect his clients goals with investment strategies that best suit their needs. Mason works directly with all his clients to develop and articulate clear financial goals that are monitored and frequently updated. His heightened focus on financial planning allows him to deepen those client relationships and offer strategies to help meet their ever changing needs.
Mason earned his Bachelor’s Degree in Finance from Robert Morris University while playing for the Division 1 Men’s Soccer Team. Mason has completed the requirements for his Financial Planning Specialist designation. He currently holds his Series 7 and 66 securities licenses along with his Pennsylvania and West Virginia Insurance licenses.
Mason resides in Sewickley, PA. He is actively involved with The Beadling Soccer Club, where he once played and has continued to coach after his soccer career at Robert Morris University. Mason is an avid golfer and enjoys spending time at Sewickley Heights Golf Club, where he is a member. He additionally keeps busy playing on various adult league hockey teams or working out at the gym.
Disclosures
Morgan Stanley Smith Barney LLC 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 visit us at http://morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC. Member SPC.
CA Insurance #4253611”
Associate Vice President
Pacesetter’s Club Member, 2023, 2024 & 2025
Financial Planning Specialist
Financial Advisor
A Financial Advisor with over five years of experience in the financial services industry. Mason began his career at UBS until he joined Morgan Stanley in 2019. He elected to go through Morgan Stanley’s rigorous twenty-four month (WAA) development program centered on financial planning. This program is where Mason was able to cultivate the planning process he uses today to connect his clients goals with investment strategies that best suit their needs. Mason works directly with all his clients to develop and articulate clear financial goals that are monitored and frequently updated. His heightened focus on financial planning allows him to deepen those client relationships and offer strategies to help meet their ever changing needs.
Mason earned his Bachelor’s Degree in Finance from Robert Morris University while playing for the Division 1 Men’s Soccer Team. Mason has completed the requirements for his Financial Planning Specialist designation. He currently holds his Series 7 and 66 securities licenses along with his Pennsylvania and West Virginia Insurance licenses.
Mason resides in Sewickley, PA. He is actively involved with The Beadling Soccer Club, where he once played and has continued to coach after his soccer career at Robert Morris University. Mason is an avid golfer and enjoys spending time at Sewickley Heights Golf Club, where he is a member. He additionally keeps busy playing on various adult league hockey teams or working out at the gym.
Disclosures
Morgan Stanley Smith Barney LLC 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 visit us at http://morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC. Member SPC.
CA Insurance #4253611”
Securities Agent: MD, MT, UT, NC, TN, GA, WA, VA, RI, NY, CA, TX, CT, AZ, SC, PA, NV, MI, MA, IN, FL, OR, KY, CO, OH, NM, NJ, IL, WV; General Securities Representative; Investment Advisor Representative
NMLS#: 1915551
CA Insurance License #: 4253611
NMLS#: 1915551
CA Insurance License #: 4253611
About Cathy Buck
Cathy began her career working in the airline industry and planned to do that indefinitely until 9/11.
Cathy was then laid off and took a year off work to raise her son who was born in 2001.
She was in a meeting with her dad and his financial advisor, his advisor said he was looking to expand and needed someone to handle his marketing. Cathy was on board and began her career in the financial services industry.
Not having any experience in the industry at first, she was starting at the bottom having to learn everything. After years in the industry, Cathy's experience has given her a robust knowledge of various investment products, trading, and compliance. She is a skillful problem-solver, a tremendous resource for all operational questions and concerns. You can always feel confident in contacting Cathy with any issue and concern
Cathy was then laid off and took a year off work to raise her son who was born in 2001.
She was in a meeting with her dad and his financial advisor, his advisor said he was looking to expand and needed someone to handle his marketing. Cathy was on board and began her career in the financial services industry.
Not having any experience in the industry at first, she was starting at the bottom having to learn everything. After years in the industry, Cathy's experience has given her a robust knowledge of various investment products, trading, and compliance. She is a skillful problem-solver, a tremendous resource for all operational questions and concerns. You can always feel confident in contacting Cathy with any issue and concern
Contact Joseph Molinero
Contact Mason George
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
Tyson Abert
Senior Private Banker
Joshua Gilbert
Private Banker
Lauren George
Planning Associate
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
About Joshua Gilbert
Joshua Gilbert is a Private Banker serving Morgan Stanley’s Wealth Management offices in Ohio.
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.
Joshua began his career in financial services in 2001 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Banking Client Manager at U.S. Bank. He also held numerous roles with progressive responsibilities at JPMorgan Chase Bank, where he notably served as a Branch Manager.
Joshua currently resides in Cincinnati, Ohio. Outside of the office, Joshua dedicates his time to various civic organizations focused on fostering the well-being of others, such as Lighthouse Youth & Family Services, and the Freestore Foodbank. In his spare time, Joshua enjoys traveling, hiking, skiing, and staying healthy and active.
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.
Joshua began his career in financial services in 2001 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Business Banking Client Manager at U.S. Bank. He also held numerous roles with progressive responsibilities at JPMorgan Chase Bank, where he notably served as a Branch Manager.
Joshua currently resides in Cincinnati, Ohio. Outside of the office, Joshua dedicates his time to various civic organizations focused on fostering the well-being of others, such as Lighthouse Youth & Family Services, and the Freestore Foodbank. In his spare time, Joshua enjoys traveling, hiking, skiing, and staying healthy and active.
NMLS#: 427087
About Lauren George
Lauren George is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Advisors and their teams. Operating as an extension of the FA/Team, she collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, she will evaluate various alternatives and their potential outcomes to help clients confidently choose the appropriate course of action. Lauren provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
She earned her undergraduate degree from Fairfield University and received the Financial Planning Specialist® designation from the College for Financial Planning. Lauren is originally from New York and currently resides in Garden City, New York.
She earned her undergraduate degree from Fairfield University and received the Financial Planning Specialist® designation from the College for Financial Planning. Lauren is originally from New York and currently resides in Garden City, New York.
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Ready to start a conversation? Contact Molinero-George Group today.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3When 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.
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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3When 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.
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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
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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)
