Natasha Hendricks, CEPA®
Financial Advisor,
Financial Planning Specialist
Direct:
(503) 243-6932(503) 243-6932
My Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
My Story and Services
I moved to the United States from the former Soviet Union in my early twenties and together with my husband at that time started my own manufacturing and metal fabrication business which I ran until 2013 which I had to close due to the economic downturn. After this experience I did not lose my desire to succeed. I got my MBA degree from the University of Portland. Since the days of listening to the Voice of America in my small Russian kitchen, I knew, that given the right opportunity, I would succeed in anything I chose to do.
Though I help people from all walks of life, I focus my practice on what is near and dear to me: independent business owners and families with children with special needs. I help business owners manage the complexity of their financial lives and avoid mistakes. I pay attention to what is important: helping to manage risk by diversification and building their wealth. Before we discuss investments, I go through a thorough due diligence process and discuss the unique needs of the business, the owner’s lifestyle and family, and goals for the future. Once I have an understanding of whom I am working with, I create a truly personalized wealth strategy. I analyze the prospective client’s current and future cash flows, and focus on estate planning strategies to help ensure all aspects of the wealth management strategy work together. The benefit to the client is seeing how modifications may provide a more satisfactory outcome and how little changes over time can have a significant impact.
My other passion is helping families with special needs children. Families like mine often struggle with competing priorities of saving for retirement, leaving bequests for their other children and making sure that their special needs children are well-taken care of. One of the critical elements of financial planning for families with special needs children is safeguarding government benefits and preserving the child’s quality of life. I can help you achieve these goals here at Morgan Stanley.
When you work with me you will be working with one financial advisor as a single point of contact with access to the resources of Morgan Stanley’s global capabilities. Morgan Stanley has been in business for over 80 years and what it means is you will be working with a credible and well-respected firm that puts clients first. Give me a call if you would like to discuss your specific needs.
Though I help people from all walks of life, I focus my practice on what is near and dear to me: independent business owners and families with children with special needs. I help business owners manage the complexity of their financial lives and avoid mistakes. I pay attention to what is important: helping to manage risk by diversification and building their wealth. Before we discuss investments, I go through a thorough due diligence process and discuss the unique needs of the business, the owner’s lifestyle and family, and goals for the future. Once I have an understanding of whom I am working with, I create a truly personalized wealth strategy. I analyze the prospective client’s current and future cash flows, and focus on estate planning strategies to help ensure all aspects of the wealth management strategy work together. The benefit to the client is seeing how modifications may provide a more satisfactory outcome and how little changes over time can have a significant impact.
My other passion is helping families with special needs children. Families like mine often struggle with competing priorities of saving for retirement, leaving bequests for their other children and making sure that their special needs children are well-taken care of. One of the critical elements of financial planning for families with special needs children is safeguarding government benefits and preserving the child’s quality of life. I can help you achieve these goals here at Morgan Stanley.
When you work with me you will be working with one financial advisor as a single point of contact with access to the resources of Morgan Stanley’s global capabilities. Morgan Stanley has been in business for over 80 years and what it means is you will be working with a credible and well-respected firm that puts clients first. Give me a call if you would like to discuss your specific needs.
Services Include
- Wealth ManagementFootnote1
- Sustainable InvestingFootnote2
- Financial PlanningFootnote3
- Retirement PlanningFootnote4
- Business PlanningFootnote5
- Cash Management and Lending ProductsFootnote6
- Business Succession PlanningFootnote7
- 401(k) Rollovers
- Wealth PlanningFootnote8
- Planning for Individuals with Special Needs and their Families
- Trust ServicesFootnote9
- Trust AccountsFootnote10
- Planning for Education FundingFootnote11
- UGMA/UTMAFootnote12
Securities Agent: TN, VA, GA, OR, OK, MD, HI, CA, OH, NC, AZ, WI, SC, IN, FL, WA, UT, CO, NJ, MN, ID, PA, NV, MO, TX, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 2058456
NMLS#: 2058456
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Step 1: Introductory Meeting
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals.
Step 4: Action Items / Next Step
After the creating of the financial plan, we will follow up with you regarding the analysis and potential recommendations.
Step 2: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and discussing your risk tolerance, which can help inform a plan aligned with your needs and objectives.
Step 5: Implementation
Implementation focuses on creating prospective strategies tailored to your specific needs. Recommended changes could may include logistics, tax considerations, asset allocation adjustments, and saving and benefit modifications.
Step 3: Financial Plan
Financial plans map out essential factors that can play a role in your financial goals. Examining relevant financial information can provide a holistic asset allocation analysis for the accounts reviewed and help inform a comprehensive financial plan.
Step 6: Monitoring & Performance Tracking
Finally, I will regularly monitor your assets and review performance information to help determine whether your financial expectations remain aligned with your plan and and whether adjustments may be appropriate. We will maintain a high degree of communication with you and work to address your concerns and requests.
OUR CAPABILITIES FOR BUSINESS OWNERS
As an entrepreneur or business owner, you know the value of hard work and your time is at a premium. You've invested years- or perhaps decades- into your enterprise, and your personal wealth may be closely tied to your company. Whether you are focused on pursuing your growth, preparing to transition or exit, or somewhere in between, we can help evaluate the complexities and considerations relevant to your situation.
Through four decades of service to business owners and their multi-generational families, we have learned the value of thoughtful and proactive guidance. This starts with a comprehensive planning process that considers key aspects f your life, your business and your family. From there, we can draw on the resources of a global firm to help coordinate solutions across a range of needs related to your life and business, in collaboration with your other professional advisors.
Through four decades of service to business owners and their multi-generational families, we have learned the value of thoughtful and proactive guidance. This starts with a comprehensive planning process that considers key aspects f your life, your business and your family. From there, we can draw on the resources of a global firm to help coordinate solutions across a range of needs related to your life and business, in collaboration with your other professional advisors.
1: Forming a Business / Angel Round
As your Financial Advisors, we view our role as helping serve as a quarterback for the advisory team, coordinating with your legal, tax/accounting, and other professional advisors, as appropriate. A coordinated and responsive team can help you stay focused on your business while providing guidance designed to support your personal and entrepreneurial goals.
2: Early Stage / Series AB Rounds
The early stage of a company’s growth phase can be a productive time to consider in-depth estate planning. In our experience, the demands of growing a business often relegate an estate plan to the back burner until an impending exit or unexpected life event. Planning in the early stages can help you evaluate risk, consider tax efficiency opportunities, and support the future needs of both your family and your business.
3: Mid and Late Stage / Series CD Rounds
As your business matures, the resources of Morgan Stanley can be valuable in helping you explore debt or equity financing for growth, establish corporate retirement and financial wellness plans, review your personal and business insurance lines as appropriate, consider philanthropic initiatives, and more. At this point, more in depth business and estate planning may be warranted, along with a valuation of the business. Working with the rest of your advisory team, we can help you assess growth drivers and weigh exit planning options as desired.
4: Preparing For a Liquidity Event
It is important to consider income tax and wealth transfer strategies prior to a potential liquidity event. In addition to tax-planning considerations, a liquidity event often raises broader questions for you, including regarding family goals or “mission,” wealth stewardship, and your next step, whether into retirement or a new venture.
5: Post Liquidity Planning
The post liquidity stage brings various considerations such as continuing to develop a family “mission statement,” family governance and wealth education, philanthropic planning, and lifestyle advisory considerations. Should the company now be public, the conversation may include liquidity planning and programs related to the exercise of stock options.
Retirement Planning
Retirement planning is an important part of preparing for your future. We bring a focused approach to this process. You have worked hard to get where you are. Now, we can help you plan for the retirement lifestyle you envision.
Business Planning
We can help by sharing our experience working with other business owners. We bring thoughtful strategies to the table to help you evaluate opportunities to grow or sell your business.
Business Succession Planning
A lot of thought and planning goes into a well-considered succession strategy. We can help you navigate the process of working with other professionals to pursue the results you want.
Executive Financial Services
We can address the unique scenarios of our high net worth clients by providing access to a suite of Morgan Stanley services, as well as investment strategies, as appropriate.
Alternative Investments
Where appropriate, Morgan Stanley provides individuals and institutions access to alternative investment strategies spanning private equity, real assets, private credit, hedge funds and digital assets.
Divorce Financial Analysis
Although divorce is seldom easy, our team can help you prepare for the process, which may help you feel more in control and better equipped to make informed decisions about your financial future.
Planning for Individuals with Special Needs
Individuals planning for their own financial well-being, or the financial well-being of a family member with special needs, may face several challenges. Learn how we can help you navigate those considerations.
Estate Planning Strategies
We look at key aspects of an individual’s estate to understand the potential estate-planning attributes of the vehicles. The goal is to help the client and his or her investment professionals consider investment decisions in the context of the client’s broader estate plan.
Our Global Effort
“For us at Morgan Stanley, it is abundantly clear that the solutions to global challenges can only achieve the required scale if they can attract a critical mass of private capital. To this end, we’ve established the Morgan Stanley Institute for Sustainable Investing to lead work across our firm, with our clients, and with academic institutions to help mobilize capital to sustainable enterprises, via global markets and the investors who drive them.”
- James P. Gorman, Chairman and CEO, Morgan Stanley
- James P. Gorman, Chairman and CEO, Morgan Stanley
What is Impact Investing?
Morgan Stanley aims to create scalable sustainable and impact investing solutions that seek to deliver competitive financial returns. Learn more about impact investing below.
Who is Investing with Impact?
Asset owners worldwide now routinely incorporate environmental, social and governance (ESG) factors in their decision-making. Our recent survey which polled 110 public and corporate pensions, endowments, foundations, sovereign wealth entities, insurance companies and other large asset owners worldwide, shows that four in five institutions surveyed are currently integrating ESG considerations into the investment process.
Why Impact? Why Now?
The global pandemic has shone a spotlight on, and even amplified many Investing with Impact themes. The following two sources highlight some of these themes and explore why you may wish to consider opportunities to invest in a more resilient and positive future while meeting your financial goals.
Location
760 SW 9th Ave
Ste 2100
Portland, OR 97205
US
Direct:
(503) 243-6932(503) 243-6932
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
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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
Iran Conflict: Seven Takeaways for Investors
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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
Ready to start a conversation? Contact Natasha Hendricks today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Morgan Stanley Smith Barney LLC 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
7Morgan 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.
8Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
9Morgan 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.
10Morgan 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.
11When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
12Morgan 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.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Investing in the market entails the risk of market volatility. The value of all types of investments may increase or decrease over varying time periods. The returns on a portfolio consisting primarily of sustainable or impact investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability and impact criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Morgan Stanley Smith Barney LLC 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
7Morgan 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.
8Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
9Morgan 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.
10Morgan 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.
11When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
12Morgan 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.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
CRC 4665150 (8/2025)
