Cedric Alexander
Vice President, Financial Advisor, Senior Portfolio Manager
Phone:
(305) 376-8599(305) 376-8599
Noah Alweiss
First Vice President,
Financial Advisor,
Portfolio Management Director,
Financial Planning Specialist
Direct:
(305) 376-2402(305) 376-2402
Toll-Free:
(866) 571-3710(866) 571-3710
My Mission Statement
Experience, intellectual capital and dedicated personalized service to help you meet your life goals. A rare depth and breadth of talent, backed by the resources of a global powerhouse.
Our Experience & Values
Our practice requires a complete commitment to understanding all of our clients' needs, challenges and aspirations in order to craft and maintain a highly customized strategy for your multi-dimensional financial life.
Our process demands an exceptional level of service and the highest degree of professional skills. Most of all, it takes a complete team commitment to helping our clients live the lives they have always wanted to live, as well as building the legacies they have dreamed of leaving.
We provide you with a full range of services necessary to help design and implement truly comprehensive wealth management plans. We are here to help you navigate and determine solutions for the many complexities of managing significant, multi-generational wealth, so you are free to enjoy its rewards.
Our clients come to us for our assistance in creating highly customized strategies to help protect and over time prudently grow their capital, maintain their lifestyles and create a legacy for future generations to come.
Our primary mission is to build enduring, trusting, close, cooperative relationships that are focused on transparency and always focused on doing the right thing; putting the clients best interests above absolutely everything.
Our process demands an exceptional level of service and the highest degree of professional skills. Most of all, it takes a complete team commitment to helping our clients live the lives they have always wanted to live, as well as building the legacies they have dreamed of leaving.
We provide you with a full range of services necessary to help design and implement truly comprehensive wealth management plans. We are here to help you navigate and determine solutions for the many complexities of managing significant, multi-generational wealth, so you are free to enjoy its rewards.
Our clients come to us for our assistance in creating highly customized strategies to help protect and over time prudently grow their capital, maintain their lifestyles and create a legacy for future generations to come.
Our primary mission is to build enduring, trusting, close, cooperative relationships that are focused on transparency and always focused on doing the right thing; putting the clients best interests above absolutely everything.
Our Values
- To have a deep understanding of our clients life and current financial situation
- To educate our clients on wealth management
- To create a holistic strategy for financial planning
- To be transparent and consistent
Services Include
- Estate Planning StrategiesFootnote1
- Trust AccountsFootnote2
- Trust ServicesFootnote3
- Financial PlanningFootnote4
- Retirement PlanningFootnote5
- Endowments and FoundationsFootnote6
- Corporate Pension Plans
- Stock Plan ServicesFootnote7
- Asset Management
- Philanthropic ManagementFootnote8
- Wealth ManagementFootnote9
- Business PlanningFootnote10
- Professional Portfolio ManagementFootnote11
- SyndicateFootnote12
- Alternative InvestmentsFootnote13
- Municipal BondsFootnote14
- Certificates of DepositFootnote15
- 401(k) Rollovers
- Planning for Individuals with Special Needs
- LGBT+ Planning ServicesFootnote16
- Planning for Individuals with Special Needs and their Families
Securities Agent: MA, RI, PA, LA, GA, VA, ID, NC, CO, OH, NJ, KS, WA, SC, NY, MO, FL, CA, PR, MD, NE, MS, IL, DE, TX, CT, NV, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 1279482
NMLS#: 1279482
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Introduction to our Financial Planning Process
Before diving into the specifics of our financial planning process, please check out the video above that introduces you to Morgan Stanley's Goals Planning System (GPS). This system is designed to link your financial information to your top priorities, helping you stay on track towards your long-term goals. As always, feel free to contact us with any questions regarding this financial planning platform.
Working With You
Our clients rely on us for guidance that extends beyond investments to include financial and estate planning, lending strategies, rollovers, and other aspects of their financial lives. To address these needs, we utilize a comprehensive financial planning process, which includes the following steps:
Step 1: Initial Call
Our first call is an opportunity to explore what you're looking for in a relationship with us. We'll discuss your past experiences with financial advisors or managing your finances independently, as well as your key goals and any challenges you foresee in achieving them.
Step 2: Discovery Meeting
A discovery meeting where we'll assess your financial situation and clarify what you want your wealth to achieve. Together, we'll define your goals, estimate their costs, and evaluate whether your resources align with achieving them within your desired timeframe.
Step 3: Plan Presentation
A plan presentation meeting where we'll share your financial plan and the strategies designed to bridge any gaps between your goals and available resources. The plan will include an asset allocation tailored to the size of those gaps and your risk tolerance.
Step 4: Plan Implementation
Plan implementation, where we put your financial plan into action. This may include collaboration with Morgan Stanley specialists in financial planning, private banking, and other areas relevant to your situation. Additionally, we will develop a customized investment strategy to support your goals.
Step 5: Ongoing Evaluation
Ongoing evaluation to assess your progress toward achieving your financial goals as planned. We continuously monitor your portfolio's performance and adjust strategies as needed to address changes in your circumstances or shifts in the financial markets.
Next Steps
If you're ready to take control of your financial future and believe this approach aligns with your needs, the next step is to contact us above or click the schedule a meeting button at the top of the page.
The Client Experience & Family Wealth Resources
We work with clients to align their needs and aspirations by creating tailored investment solutions that unlock opportunities and extensive growth. We believe that every client is unique and deserving of a personalized plan, which we strive to deliver by way of a broad spectrum of investment techniques, access to a breadth of Morgan Stanley tools, and curated planning solutions. Our goal is to help clients address complex global financial challenges driven by shifting regulatory and market climates so that they may efficiently preserve their wealth for generations.
On this page you will find a number of family wealth planning resources that not only start the conversation on multi-generation wealth but provide tangible items to reference. Please take a moment to review the documents on this page from Morgan Stanley and contact us for any questions or concerns. We are here to help you navigate the complicated path that it takes to create a future plan for your family's wealth.
On this page you will find a number of family wealth planning resources that not only start the conversation on multi-generation wealth but provide tangible items to reference. Please take a moment to review the documents on this page from Morgan Stanley and contact us for any questions or concerns. We are here to help you navigate the complicated path that it takes to create a future plan for your family's wealth.
Family Governance Fact Sheet
Our mission is to help clients maximize the value of their family capital through the transfer and preservation of the family's shared values, and the creation of an enduring family legacy.
This document provides an overview of Family Governance and how to address the complexities of transferring wealth to the next generation, advising on specific strategies, and preserving family legacy.
Learn More HereThis document provides an overview of Family Governance and how to address the complexities of transferring wealth to the next generation, advising on specific strategies, and preserving family legacy.
Family Foundation Toolkit
Establishing a family foundation differs significantly from giving as individual donors.
This toolkit provides an overview of best practices for forming a family foundation including information on creating a mission statement, roles and responsibilities, and legacy and succession planning.
Learn More HereThis toolkit provides an overview of best practices for forming a family foundation including information on creating a mission statement, roles and responsibilities, and legacy and succession planning.
Family Constitution and Family Bylaws
Family governance documents, such as Family Constitutions and Family Bylaws, can be important parts of the family governance system. Learn more about how these documents can help lay a solid foundation towards family wealth planning.
Learn More Here
Sample Family Mission Statement
This sample of a family mission statement is intended to be educational in nature and is for illustrative purposes only. Please review this example to start a conversation with proper council.
Learn More Here
10 Rules for Talking to Kids About Money
Many affluent parents dread talking with their kids about money. “Once we talk about money,” they say, “it will be like opening Pandora’s box. Nothing but evil will issue forth." This resource will help highlight some proactive strategies to start the conversation.
Learn More Here
Wealth Education Development Plan
There is subject matter that family members must understand if they are to manage generational wealth and become effective stewards. Please review this educational resource to create a deeper understanding of family wealth planning.
Learn More HereInvestor Tools & Resources
Our comprehensive suite of digital tools are designed to help enhance virtually every aspect of your financial life. Below are a few of the technologies we have to offer our clients using the breadth of experience and resources from Morgan Stanley. We have also included financial resources meant to transform complex wealth analysis and market research into concise and easily digestible content. We hope you enjoy exploring these building blocks for a holistic financial future..
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online Today
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started Today
Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
Morgan Stanley Alternative Investments
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Learn More
Global Investment Office
The Morgan Stanley Global Investment Office provides you with world-class thought leadership timely market commentary, and portfolio ideas to help guide your investment decisions.
Morgan Stanley Portfolio Insights
Goals Planning System
As your life evolves, so do your financial goals. Our Goals Planning System (GPS) provides a comprehensive view of your assets and liabilities, helping you adjust your strategy to stay aligned with your changing needs. Check out the slide deck below to learn about the GPS capabilities.
GPS Slide Deck
Morgan Stanley Podcasts
Bringing you revealing stories about the world of business, finance, technology and beyond. Listen on Apple Podcasts or Spotify now!
Listen Now
Paying for Retirement Worksheet
This worksheet helps clients created a detailed household budget as part of their retirement planning process. This resource helps identify your expenses and examine your household budget.
Planning for Retirement WorksheetLocation
200 S Biscayne Blvd
Ste 1100
Miami, FL 33131
US
Direct:
(305) 376-2402(305) 376-2402
Toll-Free:
(866) 571-3710(866) 571-3710
Fax:
(305) 376-8593(305) 376-8593
Meet My Team
About Cedric Alexander
Our process requires a complete commitment to understanding all of our clients' needs, challenges and aspirations in order to craft and maintain a highly customized strategy for your multi-dimensional financial life.
Our process demands an exceptional level of service and the highest degree of professional skills. Most of all, it takes a complete team commitment to helping our clients live the lives they have always wanted to live, as well as building the legacies they have dreamed of leaving.
We provide you with a full range of services necessary to help design and implement truly comprehensive wealth management plans. We are here to help you navigate and determine solutions for the many complexities of managing significant, multi-generational wealth, so you are free to enjoy its rewards.
Our clients come to us for our assistance in creating highly customized strategies to help protect and over time prudently grow their capital, maintain their lifestyles and create a legacy for future generations to come.
Our primary mission is to build enduring, trusting, close, cooperative relationships that are focused on transparency and always focused on doing the right thing; putting the clients best interests above absolutely everything.
Our process demands an exceptional level of service and the highest degree of professional skills. Most of all, it takes a complete team commitment to helping our clients live the lives they have always wanted to live, as well as building the legacies they have dreamed of leaving.
We provide you with a full range of services necessary to help design and implement truly comprehensive wealth management plans. We are here to help you navigate and determine solutions for the many complexities of managing significant, multi-generational wealth, so you are free to enjoy its rewards.
Our clients come to us for our assistance in creating highly customized strategies to help protect and over time prudently grow their capital, maintain their lifestyles and create a legacy for future generations to come.
Our primary mission is to build enduring, trusting, close, cooperative relationships that are focused on transparency and always focused on doing the right thing; putting the clients best interests above absolutely everything.
Securities Agent: WA, VA, TX, SC, RI, PR, PA, OR, NY, NV, NM, NJ, NE, NC, MS, MO, MI, MD, MA, LA, KS, IL, ID, GA, FL, DE, CT, CO, CA; General Securities Representative; Investment Advisor Representative; Managed Futures
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
Frank Rivera
Associate Private Banker
Scott McCoy, CFP®
Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director, Corporate Cash Investment Director, International Client Advisor
Leticia Teixeira, CFP®, CEPA®
Financial Planning Director, Vice President
Bill Burnett
Trust Specialist
Mark Jansen
Family Office Resources Generalist
About Frank Rivera
Frank Rivera is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Florida.
Associate Private Bankers partner with Private Bankers and 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.
Frank began his career in financial services in 2001, and joined Morgan Stanley in 2016. Prior to joining the firm, he was a Mortgage Consultant at PHH Mortgage.
Frank lives in South Florida. Outside of the office, he dedicates his time to giving back to the community by actively participating in philanthropic initiatives. In his personal time, Frank enjoys wine tasting, gastronomy and traveling.
Associate Private Bankers partner with Private Bankers and 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.
Frank began his career in financial services in 2001, and joined Morgan Stanley in 2016. Prior to joining the firm, he was a Mortgage Consultant at PHH Mortgage.
Frank lives in South Florida. Outside of the office, he dedicates his time to giving back to the community by actively participating in philanthropic initiatives. In his personal time, Frank enjoys wine tasting, gastronomy and traveling.
NMLS#: 223230
About Leticia Teixeira
Leticia Teixeira, CFP®, CEPA® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Southeast Florida. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Leticia began her career in financial services in 2011 and joined Morgan Stanley in 2020. Prior to her current position, she worked at multiple Financial Services firms in Florida including RBC, Itaú and UBS.
Leticia graduated from Florida International University with a B.A. in Psychology and obtained an MBA in Organizational Management from Carlos Albizu University. She holds her Certified Financial Planner® and Certified Exit Planning Advisor® designations.
Outside of work, Leticia enjoys practicing her photography skills, family trips and volunteering at school activities. Leticia is originally from Sao Paulo, Brazil and she is fluent in English and Portuguese, and conversational in Spanish. She currently lives in Broward, FL with her husband and 2 children.
Leticia began her career in financial services in 2011 and joined Morgan Stanley in 2020. Prior to her current position, she worked at multiple Financial Services firms in Florida including RBC, Itaú and UBS.
Leticia graduated from Florida International University with a B.A. in Psychology and obtained an MBA in Organizational Management from Carlos Albizu University. She holds her Certified Financial Planner® and Certified Exit Planning Advisor® designations.
Outside of work, Leticia enjoys practicing her photography skills, family trips and volunteering at school activities. Leticia is originally from Sao Paulo, Brazil and she is fluent in English and Portuguese, and conversational in Spanish. She currently lives in Broward, FL with her husband and 2 children.
About Bill Burnett
As Executive Director and Trust Specialist, Bill is responsible for helping Financial Advisors, clients, prospects and the legal community to understand and utilize Morgan Stanley’s Trust Services and its “open architecture” corporate trustee platform. He’s available to meet with clients, conduct conference calls, review trust documents and explain to estate planning attorneys the numerous fiduciary solutions our platform can provide. Bill covers the Southeast region and is based in West Palm Beach, FL.
Bill has over 25 years of experience as a comprehensive wealth advisor developing trust and investment management relationships with families, business owners, executives and institutions. Bill cultivated this experience at firms such as Northern Trust, BNY Mellon, The Private Bank at Bank of America, and Merrill Lynch. He holds the Certified Financial Planner (CFP®) and Certified Investment Management Analyst (CIMA®) professional designations. He is a graduate of the University of North Texas with a Bachelor of Arts degree in Interpersonal Communications and Public Address and earned his way through college on a soccer scholarship. He has lived in Florida since 1994.
Bill has over 25 years of experience as a comprehensive wealth advisor developing trust and investment management relationships with families, business owners, executives and institutions. Bill cultivated this experience at firms such as Northern Trust, BNY Mellon, The Private Bank at Bank of America, and Merrill Lynch. He holds the Certified Financial Planner (CFP®) and Certified Investment Management Analyst (CIMA®) professional designations. He is a graduate of the University of North Texas with a Bachelor of Arts degree in Interpersonal Communications and Public Address and earned his way through college on a soccer scholarship. He has lived in Florida since 1994.
About Mark Jansen
Mark Jansen is a Family Office Resources Generalist for Morgan Stanley’s Family Office Resources, covering the Southeast Region. In this capacity, Mark provides specialized expertise to Financial Advisors and their UHNW clients across a broad range of family wealth management issues including; family governance and wealth education, strategic estate and financial planning, philanthropy management and lifestyle advisory. Mark has over 30 years of experience advising wealthy families, business owners, and their children.
Most recently, Mark worked with New York Life in their Advanced Planning Group working with agents and their UHNW clients advising them on estate and legacy planning, business buy sell planning, and succession planning. Prior to New York Life, Mark held similar Advanced Planning Consulting roles in several National financial organizations. He originally started his career in the financial services industry in the tax department of the public accounting firm Grant Thornton. He is known for taking complex ideas and making them easy to understand. Frequently speaking to groups and individuals on estate and business planning, he brings a conversational style that helps to clarify the complex nature of these topics.
Mark received a Bachelor of Science degree from St. John’s University in Collegeville MN, received his JD degree Cum Laude from the University of Minnesota and his CPA license while working at Grant Thornton. He holds a Series 7, 24 and 63 securities licenses. He currently lives in Richmond Virginia with his wife and occasionally one of their 6 children.
Most recently, Mark worked with New York Life in their Advanced Planning Group working with agents and their UHNW clients advising them on estate and legacy planning, business buy sell planning, and succession planning. Prior to New York Life, Mark held similar Advanced Planning Consulting roles in several National financial organizations. He originally started his career in the financial services industry in the tax department of the public accounting firm Grant Thornton. He is known for taking complex ideas and making them easy to understand. Frequently speaking to groups and individuals on estate and business planning, he brings a conversational style that helps to clarify the complex nature of these topics.
Mark received a Bachelor of Science degree from St. John’s University in Collegeville MN, received his JD degree Cum Laude from the University of Minnesota and his CPA license while working at Grant Thornton. He holds a Series 7, 24 and 63 securities licenses. He currently lives in Richmond Virginia with his wife and occasionally one of their 6 children.
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
Wealth Management
From My Desk
Cybersecurity Brochure
Wealth Management
Global Investment Office
Portfolio Insights
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
Article Image
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
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
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Tax-Smart Ways to Sell Securities
How investors can tap their portfolios in tax-savvy ways.
Ready to start a conversation? Contact Noah Alweiss today.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4Morgan 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Morgan Stanley 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.
8Products 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.
9Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
10Morgan 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.
11Morgan 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.
12Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
13Alternative 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.
14Municipal 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.
15Investors 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.
16Morgan 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 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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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.
4Morgan 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
7Morgan Stanley 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.
8Products 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.
9Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
10Morgan 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.
11Morgan 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.
12Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
13Alternative 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.
14Municipal 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.
15Investors 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.
16Morgan 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.
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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.
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Awards Disclosures
CRC 6491812 (04/2024), 3582895 (6/2024)
