Greg M Wagner
Senior Vice President, Financial Advisor, Alternative Investments Director, Workplace Advisor – Equity Compensation, Senior Portfolio Manager
Phone:
(732) 224-3838(732) 224-3838
Navesink River Group at Morgan Stanley
Direct:
(732) 224-3838(732) 224-3838
Our Mission Statement
Dedicated personal service and comprehensive family wealth planning to serve you and your family's unique goals.
The Navesink River Group
We strive to have a thorough understanding of our client's current financial situation and definition of a life well-lived. As hardworking individuals ourselves, it’s our goal to make your money work as hard as possible for you and your family.
The Navesink River Group is focused on building and managing wealth for business owners, executives and individuals in or nearing retirement. We bring 56 years of combined experience to the table along with a wide range of services and solutions offered by Morgan Stanley. We deliver strategies that can respond to both the expected and unexpected events in our client’s lives.
By providing objective advice and knowledgeable guidance, we create customized short and long-term financial plans that can be adapted throughout our client’s various life stages. Using proactive communication and collaboration, we help our clients create wealth management strategies designed to support today’s lifestyle needs, tomorrow’s goals and a legacy for future generations.
We look forward to being a part of your success story,
Greg, Jamie, and Jonathan
The Navesink River Group is focused on building and managing wealth for business owners, executives and individuals in or nearing retirement. We bring 56 years of combined experience to the table along with a wide range of services and solutions offered by Morgan Stanley. We deliver strategies that can respond to both the expected and unexpected events in our client’s lives.
By providing objective advice and knowledgeable guidance, we create customized short and long-term financial plans that can be adapted throughout our client’s various life stages. Using proactive communication and collaboration, we help our clients create wealth management strategies designed to support today’s lifestyle needs, tomorrow’s goals and a legacy for future generations.
We look forward to being a part of your success story,
Greg, Jamie, and Jonathan
Services Include
- UGMA/UTMAFootnote1
- 401(k) Rollovers
- Alternative InvestmentsFootnote2
- AnnuitiesFootnote3
- Asset Management
- Business Succession PlanningFootnote4
- Certificates of DepositFootnote5
- Corporate BondsFootnote6
- Trust ServicesFootnote7
- Divorce Financial AnalysisFootnote8
- 529 PlansFootnote9
- Endowments and FoundationsFootnote10
- Estate Planning StrategiesFootnote11
- Financial PlanningFootnote12
- Fixed IncomeFootnote13
- Cash Management and Lending ProductsFootnote14
- Life InsuranceFootnote15
- Long Term Care InsuranceFootnote16
- Municipal BondsFootnote17
- Philanthropic ManagementFootnote18
- Professional Portfolio ManagementFootnote19
- Qualified Retirement PlansFootnote20
- Retirement PlanningFootnote21
- Structured ProductsFootnote22
- Wealth ManagementFootnote23
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
The Navesink River Group believes that managing wealth involves far more than managing an investment portfolio. It begins with developing a holistic, comprehensive understanding of who you are and the financial forces at work in your life. It means helping you understand and respond effectively to these forces. And, of course, it means helping you invest your assets in a way that reflects the realities of your life and the uniqueness of your long term goals.
Leveraging resources across the firm, we provide access to advice and investment management expertise while bringing clients a personalized local perspective. Our process starts with learning about our clients to develop a deep understanding of their goals, circumstances and values, leading to a customized solution. We are committed to building a relationship of trust in which we can work closely with you to help you define your objectives, explore alternatives and choose the financial and investment strategies that are most appropriate for you. As our relationship evolves, we hope you will come to regard us as a valued resource and professionals who can help you make a more informed decision on any financial issue.
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the worlds most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Leveraging resources across the firm, we provide access to advice and investment management expertise while bringing clients a personalized local perspective. Our process starts with learning about our clients to develop a deep understanding of their goals, circumstances and values, leading to a customized solution. We are committed to building a relationship of trust in which we can work closely with you to help you define your objectives, explore alternatives and choose the financial and investment strategies that are most appropriate for you. As our relationship evolves, we hope you will come to regard us as a valued resource and professionals who can help you make a more informed decision on any financial issue.
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the worlds most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Our Clients
Our clients have diverse goals. Many are business owners with complex needs and a long-term horizon. Others are wealthy families who want us to work with their team of trusted advisors: attorneys, agents, and CPAs. Together, using Morgan Stanley’s tremendous cache of resources, we can create a coordinated, comprehensive financial plan.
We treasure the long-term relationships we have formed with our clients, some lasting for generations. Whether you want to plan for your retirement, or your children’s legacy, we will craft a portfolio aimed at preserving your capital, meeting your current financial needs, and creating the future you want for yourself and your family.
We treasure the long-term relationships we have formed with our clients, some lasting for generations. Whether you want to plan for your retirement, or your children’s legacy, we will craft a portfolio aimed at preserving your capital, meeting your current financial needs, and creating the future you want for yourself and your family.
2024 Forbes Best-In-State Wealth Management Teams
Our team is proud to have been named to the 2024 Forbes Best-In-State Wealth Management Teams list for New Jersey. We would like to thank our clients for their continuous trust and loyalty. Without them, this would not have been possible. We are looking forward to the year ahead and are motivated by this recognition to build on last year's success!
Check out the below press release.
Check out the below press release.
Location
20 Linden Place
Red Bank, NJ 07701
US
Direct:
(732) 224-3838(732) 224-3838
Meet Navesink River Group
Vice President, Wealth Management, Financial Advisor, Workplace Advisor – Equity Compensation
Phone:
(732) 224-3818(732) 224-3818
Jonathan Iaione, CFP®
Financial Advisor, Financial Planning Specialist
Phone:
(732) 936-3431(732) 936-3431
Michele Ciacma
Senior Registered Associate
Phone:
(732) 224-3839(732) 224-3839
About Greg M Wagner
Greg M Wagner began his financial career with Merrill Lynch in 1992 in the World Financial Center NY, NY. In 1997, Greg transitioned to the Private Client Wealth Management Division within Merrill Lynch in Red Bank, NJ and, in 2008, joined Morgan Stanley, also Red Bank, NJ. He has been a Wealth Management professional for 25 years, and he has dedicated his career to helping his clients achieve their financial objectives. His goals-based approach focuses on a comprehensive Wealth Management plan and a commitment to providing outstanding service and advice. Greg's team has been entrusted to manage $800,000,000 in client assets as of June 31, 2024.
Greg is from Brielle, NJ, and he attended high school at Christian Brothers Academy, Lincroft, NJ. He graduated Fordham University, Bronx, NY, in 1992, with a BA in Economics and a minor in Psychology.
Greg has been actively involved in various charitable organizations through the years, including “Christmas in April” Jersey City, The Salvation Army Red Bank, and the Monmouth/Ocean County Brain Tumor Support Group.
Prior to her passing, Greg was married to his wife, Allison for eighteen years. They have four children. Greg enjoys being involved with his children's activities, reading, and playing golf.
Greg is from Brielle, NJ, and he attended high school at Christian Brothers Academy, Lincroft, NJ. He graduated Fordham University, Bronx, NY, in 1992, with a BA in Economics and a minor in Psychology.
Greg has been actively involved in various charitable organizations through the years, including “Christmas in April” Jersey City, The Salvation Army Red Bank, and the Monmouth/Ocean County Brain Tumor Support Group.
Prior to her passing, Greg was married to his wife, Allison for eighteen years. They have four children. Greg enjoys being involved with his children's activities, reading, and playing golf.
Securities Agent: CO, CT, DC, DE, FL, GA, IL, IN, MA, MD, ME, MI, CA, NC, ND, NJ, NV, NY, OH, OR, PA, SC, TN, TX, UT, VA, WA, WI, AZ, AR; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1262219
NMLS#: 1262219
About James D Blalock
Jamie Blalock is a Vice President Financial Advisor at Morgan Stanley in Red Bank, NJ. Being a part of one of the largest financial services wealth management firms in the world, Jamie has access to global resources in order to help clients meet their long term financial objectives and specific cash flow needs. Jamie spends an incredible amount of time working with families to understand asset allocation, asset manager selection and specific investment strategies.
Before the Morgan Stanley Smith Barney joint venture in June 2009, Jamie began his career in the finance field as a financial advisor with Legg Mason* in 2003. Jamie was awarded the Blue Chip award from Smith Barney* in 2007, an award given for excellence in providing client services.
Jamie is a 1994 graduate of the University of Delaware with a B.A. in Criminal Justice. He was a member of the varsity lacrosse team at Delaware, having been the starting goalkeeper for 3 years. He was also a member and officer of the Kappa Alpha Order. He spends his free time today coaching youth lacrosse in his area. His other hobbies include golf, hockey and still playing the sport of lacrosse. Jamie resides in Rumson, NJ with his wife Eileen, son Nicholas, and two daughters Allison and Brynn.
* A predecessor firm to Morgan Stanley
Asset Allocation does not guarantee a profit or protect against a loss
Before the Morgan Stanley Smith Barney joint venture in June 2009, Jamie began his career in the finance field as a financial advisor with Legg Mason* in 2003. Jamie was awarded the Blue Chip award from Smith Barney* in 2007, an award given for excellence in providing client services.
Jamie is a 1994 graduate of the University of Delaware with a B.A. in Criminal Justice. He was a member of the varsity lacrosse team at Delaware, having been the starting goalkeeper for 3 years. He was also a member and officer of the Kappa Alpha Order. He spends his free time today coaching youth lacrosse in his area. His other hobbies include golf, hockey and still playing the sport of lacrosse. Jamie resides in Rumson, NJ with his wife Eileen, son Nicholas, and two daughters Allison and Brynn.
* A predecessor firm to Morgan Stanley
Asset Allocation does not guarantee a profit or protect against a loss
Securities Agent: FL, NC, CT, CO, CA, NY, NV, PA, ME, MD, NJ, ND, MA, UT, TX, AR, OH, MI, AZ, WA, RI, HI, GA, DE, VA, SC, IL, OR, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 1255304
NMLS#: 1255304
About Jonathan Iaione
Jonathan Iaione began his financial career with Morgan Stanley and has now been with the firm for over 6 years. He started as a Client Service Associate in Midtown Manhattan, New York City where he worked for a large financial advisor team in a fast-paced client-facing role. During that tenure he obtained his CERTIFIED FINANCIAL PLANNER™ certification, the gold standard industry credential that requires over a year of meticulous coursework and the passing of a rigorous six-hour exam.
To further develop his financial planning skills, he then moved to the firm’s financial planning desk situated downtown in Manhattan’s financial district. There he consulted with Morgan Stanley financial advisors across the entire country on financial plan strategy & development and became highly skilled in leveraging the firm’s financial planning software to model long term financial outcomes for clients.
Now as a financial advisor with the Navesink River Group he prides himself on combining his commitment to first class service with his passion for holistic financial planning to provide his clients with a truly exceptional experience.
Personally, Jonathan graduated from New York University in May 2018 with a BA in Economics and a minor in Mathematics. While he was there he was a four year team member of NYU's Varsity Baseball Team. He currently lives in Bradley Beach, NJ with his wife Julianne. In his free time, he enjoys spending time at the beach, surfing, hiking and playing golf.
To further develop his financial planning skills, he then moved to the firm’s financial planning desk situated downtown in Manhattan’s financial district. There he consulted with Morgan Stanley financial advisors across the entire country on financial plan strategy & development and became highly skilled in leveraging the firm’s financial planning software to model long term financial outcomes for clients.
Now as a financial advisor with the Navesink River Group he prides himself on combining his commitment to first class service with his passion for holistic financial planning to provide his clients with a truly exceptional experience.
Personally, Jonathan graduated from New York University in May 2018 with a BA in Economics and a minor in Mathematics. While he was there he was a four year team member of NYU's Varsity Baseball Team. He currently lives in Bradley Beach, NJ with his wife Julianne. In his free time, he enjoys spending time at the beach, surfing, hiking and playing golf.
Securities Agent: AR, HI, MT, ND, OK, SD, WV, WY, MI, IN, ME, ID, OR, VA, PR, MD, RI, MA, MO, NC, WA, NH, NM, NY, NV, PA, NE, SC, LA, UT, VI, GA, WI, TX, VT, TN, IA, AK, OH, AL, AZ, NJ, CO, DC, FL, MS, CT, MN, KY, KS, IL, DE, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 2533775
NMLS#: 2533775
Contact Greg M Wagner
Contact James D Blalock
Contact Jonathan Iaione
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Navesink River Group 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 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.
2Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Morgan 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.
5Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Morgan 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.
8Morgan 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.
9Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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, charitable giving, philanthropic planning and other legal matters.
11Morgan 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.
12Morgan 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.
13Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
14Morgan 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
15Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
16Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
17Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
18Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
19Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
20When 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.
21When 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.
22Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
23Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
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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.
*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 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.
2Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Morgan 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.
5Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Morgan 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.
8Morgan 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.
9Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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, charitable giving, philanthropic planning and other legal matters.
11Morgan 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.
12Morgan 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.
13Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
14Morgan 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
15Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
16Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
17Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
18Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
19Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
20When 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.
21When 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.
22Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
23Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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Awards Disclosures
CRC 6491812 (04/2024)
