Kimberly Guidone
Private Banker
Nathalie Mastouri, CFP®, QPFC
Financial Advisor
Direct:
(317) 818-7352(317) 818-7352
My Mission Statement
Tailored financial roadmaps and comprehensive investment strategies to fit individual client goals.
My Story and Services
Nathalie joined Morgan Stanley in 2017, after working for over a decade in different corporate finance roles across multiple geographies.
She is committed to providing a holistic financial planning approach to successful executives, young professionals, business owners and affluent families living across the country. Her approach is focused on seeking to add value to different aspects of clients' financial lives by understanding her clients’ personal and financial goals, family dynamics, balance sheet needs and philanthropic activities.
Nathalie has a passion for architecture and design. She draws parallels between the way an architect combines form and function to enhance people's lives - both aesthetically and functionally - and the way a robust and carefully structured financial plan aims to help her clients navigate ever-changing market conditions while allowing them to (1) enjoy a comfortable retirement, (2) approach major life transitions with confidence, and (3) leave a lasting legacy for future generations.
She prides herself in acting as her clients’ best advocate, promptly responding, helping identify opportunities, and working to help clients stay on track to help them grow, preserve, and optimize their wealth.
When appropriate, Nathalie utilizes a multitude of investment vehicles including but not limited to, mutual funds, ETFs, separately managed accounts, individual stocks, direct indexing, private placements, and tax optimization strategies.
She holds a bachelor’s degree in Economics and a Masters in Finance from ESCP Business School. She holds Series 7, and 66 FINRA registrations, and Life, Health, and Long-Term Care Insurance licenses. She is a Certified Financial Planner (CFP®) and a Qualified Plan Financial Consultant (QPFC®). Nathalie has been earned a Five Star Wealth Manager Award in 2022, 2023 and 2024.
She lives in Indianapolis with her husband, and two kids. She has served on the board of Women for Riley, supports the local chapter of her Alma Mater, and Gleaners Food Bank.
The investments listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.
Source: fivestarprofessional.com Awarded 2022-2024. There awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2022 Award: 12/27/21 through 6/24/22
2023 Award: 11/14/22 through 5/31/23
2024 Award: 11/14/23 through 5/31/24
She is committed to providing a holistic financial planning approach to successful executives, young professionals, business owners and affluent families living across the country. Her approach is focused on seeking to add value to different aspects of clients' financial lives by understanding her clients’ personal and financial goals, family dynamics, balance sheet needs and philanthropic activities.
Nathalie has a passion for architecture and design. She draws parallels between the way an architect combines form and function to enhance people's lives - both aesthetically and functionally - and the way a robust and carefully structured financial plan aims to help her clients navigate ever-changing market conditions while allowing them to (1) enjoy a comfortable retirement, (2) approach major life transitions with confidence, and (3) leave a lasting legacy for future generations.
She prides herself in acting as her clients’ best advocate, promptly responding, helping identify opportunities, and working to help clients stay on track to help them grow, preserve, and optimize their wealth.
When appropriate, Nathalie utilizes a multitude of investment vehicles including but not limited to, mutual funds, ETFs, separately managed accounts, individual stocks, direct indexing, private placements, and tax optimization strategies.
She holds a bachelor’s degree in Economics and a Masters in Finance from ESCP Business School. She holds Series 7, and 66 FINRA registrations, and Life, Health, and Long-Term Care Insurance licenses. She is a Certified Financial Planner (CFP®) and a Qualified Plan Financial Consultant (QPFC®). Nathalie has been earned a Five Star Wealth Manager Award in 2022, 2023 and 2024.
She lives in Indianapolis with her husband, and two kids. She has served on the board of Women for Riley, supports the local chapter of her Alma Mater, and Gleaners Food Bank.
The investments listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.
Source: fivestarprofessional.com Awarded 2022-2024. There awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2022 Award: 12/27/21 through 6/24/22
2023 Award: 11/14/22 through 5/31/23
2024 Award: 11/14/23 through 5/31/24
Securities Agent: FL, OH, NY, IN, CA, MI, IA, VA, TX, NC, IL, MD, GA, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 1898523
CA Insurance License #: California Insurance License # 4266971
NMLS#: 1898523
CA Insurance License #: California Insurance License # 4266971
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Investor Resources
Here at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We are firm believers of giving our clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below offer insight into the modern market and economic landscape.
Mike Wilson: Thoughts On The Market
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
This Week's Podcast With Mike Wilson
Global Investment Committee On The Markets
A monthly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out this month's edition below.
Read: "GIC On The Markets"
GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income. Click the link below to read the full report.
Read: "GIC Weekly"
2024 Federal Income Tax Tables
For help filing your taxes this year, our team has published the 2024 tax tables for your reference. Please click the link below to view them.
Read: "Tax Tables"
Reducing Your Income & Portfolio Tax
Achieving your investment goals isn’t just about maximizing returns. Minimizing the impact of taxation in your portfolio can also play a key role in helping you build wealth over the long run. As you review your income and portfolio, consider the steps in the document below to assist in minimizing taxes on your investments.
Read: "These Steps May Reduce Taxes On Your Income & Portfolio"
Compound Interest Calculator
Do you want to determine how much your money can grow using the power of compound interest? Click the link below.
Learn More
Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. Members can enjoy special discounts and timely insights to support them at home and beyond.
Learn MoreWorking With You
Here at Morgan Stanley, we provide guidance that goes beyond your investment portfolio, our goal is to help you manage your financial life.
I work with my clients to identify their goals, quantify them and create a roadmap to achieve them. Morgan Stanley's comprehensive planning software allows me to easily monitor my clients' progress and evaluate the effectiveness of their investment strategy.
Our integrated platform ties-in goals, implementation, monitoring and intelligent withdrawals, resulting in unparalleled tracking capabilities . I lean on the firm’s intellectual capital and sophisticated institutional capabilities to best serve my clients.
I work with my clients to identify their goals, quantify them and create a roadmap to achieve them. Morgan Stanley's comprehensive planning software allows me to easily monitor my clients' progress and evaluate the effectiveness of their investment strategy.
Our integrated platform ties-in goals, implementation, monitoring and intelligent withdrawals, resulting in unparalleled tracking capabilities . I lean on the firm’s intellectual capital and sophisticated institutional capabilities to best serve my clients.
Step 1: Discovery Meeting
Our first meeting will be centered around your story! Your investment experience and what are we solving for.
During our meeting, I would be asking you questions to get a better understanding of:
◘ the type of investor you are
◘ what you are hoping to accomplish by working with me
◘ the cadence at which you like to be contacted
◘ how involved or removed from the investment decisions you would like to be
During our meeting, I would be asking you questions to get a better understanding of:
◘ the type of investor you are
◘ what you are hoping to accomplish by working with me
◘ the cadence at which you like to be contacted
◘ how involved or removed from the investment decisions you would like to be
Step 2: Developing a Strategy
Once I have gathered the necessary information, I will go back and run a detailed financial plan that will be the roadmap to our investment strategy/strategies.
Strategies will differ depending on:
◘ the outcome we are working on attaining
◘ the number of goals you have set
◘ the investment time horizon
◘ your overall risk tolerance
◘ every particular goal’s time horizon
◘ different “what-if” scenarios that take into account different assumptions
I will lean on our Global Investment Manager Analysis team’s work to screen the best in class investment solutions. I will put together detailed investment proposal that will likely include some or all of the following:
◘ Exchange Traded Funds
◘ Separately Managed Accounts
◘ Mutual Funds
◘ Hedge Funds
◘ Structured Notes
◘ Elaborate tax strategies for non-qualified accounts
Strategies will differ depending on:
◘ the outcome we are working on attaining
◘ the number of goals you have set
◘ the investment time horizon
◘ your overall risk tolerance
◘ every particular goal’s time horizon
◘ different “what-if” scenarios that take into account different assumptions
I will lean on our Global Investment Manager Analysis team’s work to screen the best in class investment solutions. I will put together detailed investment proposal that will likely include some or all of the following:
◘ Exchange Traded Funds
◘ Separately Managed Accounts
◘ Mutual Funds
◘ Hedge Funds
◘ Structured Notes
◘ Elaborate tax strategies for non-qualified accounts
Step 3: Implementing the Strategy
We will meet again to discuss the investment proposal and answer any questions you have.
Once we agree that this is how we would like to proceed, I will go ahead and place the trades.
Once we agree that this is how we would like to proceed, I will go ahead and place the trades.
Step 4: Monitoring and Tracking Progress
I am committed to monitoring the progress of your investment roadmap as well as the performance of the money managers we choose to use in our investment strategy.
Money managers are reevaluated at least once a quarter to determine whether any changes are warranted.
Money managers are reevaluated at least once a quarter to determine whether any changes are warranted.
Think again if all your investments are invested with the same risk level.
Rather than subjectively ranking your risk tolerance, Nathalie believes that each person should have multiple objective risk levels for different financial objectives. Each portfolio should have its associated risk level based on the investment time frame.
Each financial objective should be a portfolio with its own risk level
It is important to have different investment plans for different investment horizons. This is because the longer the investment time frame, the higher the risk the portfolio can endure, and the better potential performances the portfolio can generate.
Investors should consider having:
· An emergency fund that covers 6 to 9 months of necessary expenses
· Checking account(s) to pay for recurring expenses
· Tax advantaged accounts such as HSAs and 529 accounts, whenever possible and applicable
· Retirement account(s)
· Investment accounts with various time horizons tailored to finance different investment goals
Investors should consider having:
· An emergency fund that covers 6 to 9 months of necessary expenses
· Checking account(s) to pay for recurring expenses
· Tax advantaged accounts such as HSAs and 529 accounts, whenever possible and applicable
· Retirement account(s)
· Investment accounts with various time horizons tailored to finance different investment goals
Digital Tools
Our comprehensive suite of digital tools are designed to help enhance various aspects of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Seamlessly and securely manage your investments and everyday finances in one place with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
LifeView
LifeView is a suite of planning tools that includes goal-specific analysis that Financial Advisors can use with clients to create a realistic, holistic strategy that integrates the various aspects of an individual’s financial life, including investments and cash management needs.
Learn More About LifeView
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
Digital Vault
Digital Vault lets you easily manage and share your important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings. All files are scanned for viruses and malware and are encrypted while transferred and stored. Access is limited to you and anyone you designate.
Learn More About Digital Vault
MS Reserved Living and Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn More About MS Reserved Living and Giving
Tax Planning Strategies
The tax decisions you make today can help you save for years to come. Consider these smart tax strategies for your financial plan.
Learn More About Tax Planning StrategiesLocation
800 East 96 St
Ste 400
Indianapolis, IN 46240
US
Direct:
(317) 818-7352(317) 818-7352
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
About Kimberly Guidone
Kimberly is a Private Banker serving Morgan Stanley Wealth Management offices in Indiana.
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.
Kimberly began her career in financial services in 1996 and joined Morgan Stanley in 2016. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch. She also served as an Investment Relationship Manager with Key Investment Services and a Financial Advisor at Thrivent Financial.
Kimberly is a graduate of Wright State University where she received a Bachelor of Arts degree in Psychology. Outside of the office, Kimberly spends time with her family enjoying hiking, camping, and other outdoor activities.
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.
Kimberly began her career in financial services in 1996 and joined Morgan Stanley in 2016. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch. She also served as an Investment Relationship Manager with Key Investment Services and a Financial Advisor at Thrivent Financial.
Kimberly is a graduate of Wright State University where she received a Bachelor of Arts degree in Psychology. Outside of the office, Kimberly spends time with her family enjoying hiking, camping, and other outdoor activities.
NMLS#: 619678
Wealth Management
From My Desk
A Parent's Guide to Talking to Your Kids About Money
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact Nathalie Mastouri today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
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
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
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)
