Thomas Russ
Managing Director, Market Executive
Phone:
(216) 523-3090(216) 523-3090
Morgan Stanley
Northern Ohio Western Pennsylvania Market Branch Office
You define success, we help you achieve it
200 Public Square
Suite 2600
Cleveland, OH 44114
US
Branch:
(216) 523-3000(216) 523-3000
Toll-Free:
(800) 362-1230(800) 362-1230
Branch Manager
Rex E. MackPhone:
(216) 523-3074(216) 523-3074
About Morgan Stanley Northern Ohio Western Pennsylvania Market Branch
As a Financial Advisor, choosing the right wealth management firm and market are significant decisions that can have a lasting impact on your career, your clients and even your family. At the Northern Ohio Western Pennsylvania Market (NOWPAM), here’s what we feel both defines and distinguishes our market and organization.
Focus on Financial Advisors
We’re a FA-centric team that understands the importance of what you do—and it shows in the level of support we provide. In short, we view ourselves as your primary financial advisor. Someone who’ll help you raise your standard of care, push you to achieve your potential and encourage you to think big. In terms of the latter, we’re confident there’s nothing in regards to winning a specific business that you could bring to our team’s attention that would be too large or complicated for us to find your solution within the resources available through our market or the Firm.
Culture of Continuity
As you know, continuity is so important in building relationships. We’re blessed to have many colleagues who’ve been with our market for decades. This type of internal stability facilitates deeper connections and strategic partnerships that can benefit you on your first day, as well as for decades to come. It also fosters our strong organic growth as a market.
Another thing you’ll notice immediately about our culture is how we collaboratively unite our resources—leveraging the complementary knowledge and experience of our specialists—for the greater good of each FA and their clients.
Avenues for Growth
Whether you’re a solo practioner or a member of a large team, Morgan Stanley provides a diverse spectrum of opportunities to expand your business and better serve your clients through our business specialties. This includes dedicated divisions such as Graystone Consulting, Private Wealth, Family Wealth Director, Global Sports & Entertainment and several more.
The collective experience within these divisions also contributes to our market’s significant growth rate, especially with mega-teams that experience the freedom to function similarly to a RIA firm while maintaining access to the world-class resources of a global wirehouse.
Commitment to Community
In our region of the nation, community is the fabric that connects all of us. And that’s certainly reflected in our market. We consistently rank highly within Morgan Stanley in terms of our charitable or civic-related endeavors. It’s not just something we do; it’s who we are. We strive to exhibit this spirit of selflessness both in the office and in our everyday lives.
Next Steps
We encourage you to learn about key members of our team, along with the individualized support they’d provide to you. When you’re ready to start a conversation with us, please reach out. We’d welcome the opportunity to talk to you.
Focus on Financial Advisors
We’re a FA-centric team that understands the importance of what you do—and it shows in the level of support we provide. In short, we view ourselves as your primary financial advisor. Someone who’ll help you raise your standard of care, push you to achieve your potential and encourage you to think big. In terms of the latter, we’re confident there’s nothing in regards to winning a specific business that you could bring to our team’s attention that would be too large or complicated for us to find your solution within the resources available through our market or the Firm.
Culture of Continuity
As you know, continuity is so important in building relationships. We’re blessed to have many colleagues who’ve been with our market for decades. This type of internal stability facilitates deeper connections and strategic partnerships that can benefit you on your first day, as well as for decades to come. It also fosters our strong organic growth as a market.
Another thing you’ll notice immediately about our culture is how we collaboratively unite our resources—leveraging the complementary knowledge and experience of our specialists—for the greater good of each FA and their clients.
Avenues for Growth
Whether you’re a solo practioner or a member of a large team, Morgan Stanley provides a diverse spectrum of opportunities to expand your business and better serve your clients through our business specialties. This includes dedicated divisions such as Graystone Consulting, Private Wealth, Family Wealth Director, Global Sports & Entertainment and several more.
The collective experience within these divisions also contributes to our market’s significant growth rate, especially with mega-teams that experience the freedom to function similarly to a RIA firm while maintaining access to the world-class resources of a global wirehouse.
Commitment to Community
In our region of the nation, community is the fabric that connects all of us. And that’s certainly reflected in our market. We consistently rank highly within Morgan Stanley in terms of our charitable or civic-related endeavors. It’s not just something we do; it’s who we are. We strive to exhibit this spirit of selflessness both in the office and in our everyday lives.
Next Steps
We encourage you to learn about key members of our team, along with the individualized support they’d provide to you. When you’re ready to start a conversation with us, please reach out. We’d welcome the opportunity to talk to you.
Services Provided
- Retirement PlanningFootnote1
- Saving for CollegeFootnote2
- Maintaining Cash Flow
- Long-term Care InsuranceFootnote3
- Traditional Investments
- Alternative InvestmentsFootnote4
- Insurance ServicesFootnote5
- Investing with ImpactFootnote6
- Legacy PlanningFootnote7
- Succession PlanningFootnote8
- Family Mission Statements
- Next Generation EducationFootnote9
- Lending SolutionsFootnote10
- Cash Management SolutionsFootnote11
Our Team at Morgan Stanley Northern Ohio Western Pennsylvania Market Branch
Robert Witte
Vice President, Associate Market Manager
Phone:
(216) 523-3091(216) 523-3091
Julius Cobb
First Vice President, Business Development Manager
Phone:
(216) 292-9094(216) 292-9094
Christina Stein
First Vice President, Market Business Service Officer
Phone:
(440) 835-6824(440) 835-6824
Jeff Urbin
Vice President, Senior Risk Officer
Phone:
(440) 835-6822(440) 835-6822
Sally Silvaroli
Market Administrator
Phone:
(216) 523-3092(216) 523-3092
About Thomas Russ
Thomas Russ is the Market Executive for the Northern Ohio Western Pennsylvania Market (NOWPAM).
He has over 30 years of experience in personal wealth management. In 1992, Thomas began his career as a Financial Advisor in the Indianapolis market for Morgan Stanley before transitioning into management four years later. Since 2010, he’s had the privilege of managing the Northern Ohio market, and added the Greater Pittsburgh market in 2016.
Thomas appreciates working with an inspired group of motivated professionals who are passionate about achieving their potential. Building and developing a diverse, inclusive group committed to delivering the best wealth management service to clients is one of his primary goals. He also strives to maintain a professional culture in which every Financial Advisor and support staff member feels both valued and connected. Strategic, selective recruiting has integrally contributed to these directives and his team’s success over the years, but organic growth from NOWPAM’s top advisors has played a crucial role, too.
Thomas graduated from Purdue University, and now resides in Hudson, OH with his wife, Kathy. They enjoy golfing, hiking and traveling around the country to visit their three children.
Active in the community, Thomas gives back by working with the Cleveland and Pittsburgh food banks while also serving as a board member for Cuyahoga Community College.
He has over 30 years of experience in personal wealth management. In 1992, Thomas began his career as a Financial Advisor in the Indianapolis market for Morgan Stanley before transitioning into management four years later. Since 2010, he’s had the privilege of managing the Northern Ohio market, and added the Greater Pittsburgh market in 2016.
Thomas appreciates working with an inspired group of motivated professionals who are passionate about achieving their potential. Building and developing a diverse, inclusive group committed to delivering the best wealth management service to clients is one of his primary goals. He also strives to maintain a professional culture in which every Financial Advisor and support staff member feels both valued and connected. Strategic, selective recruiting has integrally contributed to these directives and his team’s success over the years, but organic growth from NOWPAM’s top advisors has played a crucial role, too.
Thomas graduated from Purdue University, and now resides in Hudson, OH with his wife, Kathy. They enjoy golfing, hiking and traveling around the country to visit their three children.
Active in the community, Thomas gives back by working with the Cleveland and Pittsburgh food banks while also serving as a board member for Cuyahoga Community College.
About Robert Witte
As an Associate Market Manager, Rob works closely with Market Executive Thomas Russ to oversee all aspects of the Northern Ohio Western Pennsylvania Market (NOWPAM).
He plays a key role in driving revenue growth, increasing profitability, managing risk, developing cohesive teams, retaining employees, providing consistent leadership and maintaining a exceptional level of client service.
Rob embraces the competitive side of the industry, and realizes the importance of striving to become better every day—both for himself as well as others. Supporting financial advisors in growing their business is the most rewarding aspect of his role. He’s skilled at identifying their strengths as well as areas that could be improved, and uses this knowledge to guide them toward achieving their full potential. As a manager, Rob attempts to receive, interpret and process information in an unbiased, patient manner in order to help arrive at the best possible solution or decision.
Rob was attracted to financial services because of his passion for helping others. His career began in 2010 with Fidelity Investments as a High Net Worth Team Lead. In 2016, he joined PNC Investments as a Regulatory Risk Analyst. In 2019, Rob came to Morgan Stanley to partner with what he feels is the leading firm in the industry.
As a member of a Navy family, Rob lived in several locations as a child. He was born in Camp Lejeune, NC, and primarily grew up in Florida. In 2007, he graduated from Florida State University with a degree in Finance.
Rob now lives in Northeast Ohio with his wife, Tara, and their four children. He enjoys spending time with family, running, watching movies and attending sporting events.
He plays a key role in driving revenue growth, increasing profitability, managing risk, developing cohesive teams, retaining employees, providing consistent leadership and maintaining a exceptional level of client service.
Rob embraces the competitive side of the industry, and realizes the importance of striving to become better every day—both for himself as well as others. Supporting financial advisors in growing their business is the most rewarding aspect of his role. He’s skilled at identifying their strengths as well as areas that could be improved, and uses this knowledge to guide them toward achieving their full potential. As a manager, Rob attempts to receive, interpret and process information in an unbiased, patient manner in order to help arrive at the best possible solution or decision.
Rob was attracted to financial services because of his passion for helping others. His career began in 2010 with Fidelity Investments as a High Net Worth Team Lead. In 2016, he joined PNC Investments as a Regulatory Risk Analyst. In 2019, Rob came to Morgan Stanley to partner with what he feels is the leading firm in the industry.
As a member of a Navy family, Rob lived in several locations as a child. He was born in Camp Lejeune, NC, and primarily grew up in Florida. In 2007, he graduated from Florida State University with a degree in Finance.
Rob now lives in Northeast Ohio with his wife, Tara, and their four children. He enjoys spending time with family, running, watching movies and attending sporting events.
About Julius Cobb
As a Business Development Manager, Julius covers two markets that geographically stretch from Cleveland, OH to Allentown, PA.
In his role, Julius helps make a global conglomerate like Morgan Stanley feel smaller and more personal by connecting Financial Advisors with the right specialists, platforms and strategies to grow their practice. Advisors often aren’t aware of all the resources available through the Firm, or how to access them. Julius enjoys being a conduit who keeps advisors well-informed and up-to-date about these resources while developing professional relationships with them.
His experience in financial services began as an unpaid intern for Smith Barney (now Morgan Stanley) from 2008-09, which was a pivotal time in the stock market. The relationships Julius formed with the advisors in his office inspired him to seek a career in the industry. In 2009, he was hired by A.G. Edwards (now Wells Fargo) where he was a Financial Advisor in a call center, and then moved to various supervisory roles in the home office. In 2019, he joined Morgan Stanley as a Complex Risk Officer for the Portland, OR market.
Julius graduated from Saint Louis University with a dual major in Economics and Finance. He was a member of the Sigma Alpha Epsilon fraternity where he served as a recorder.
Born in Cape Girardeau, Missouri, Julius grew up in a suburb of Saint Louis. His father was a real estate broker, while his mother served as a public-school teacher.
An avid sports fan, Julius has a passion for college football with the Missouri Tigers being his favorite team. With his deep roots in Saint Louis, he also fervently roots for the Cardinals in major league baseball.
In his role, Julius helps make a global conglomerate like Morgan Stanley feel smaller and more personal by connecting Financial Advisors with the right specialists, platforms and strategies to grow their practice. Advisors often aren’t aware of all the resources available through the Firm, or how to access them. Julius enjoys being a conduit who keeps advisors well-informed and up-to-date about these resources while developing professional relationships with them.
His experience in financial services began as an unpaid intern for Smith Barney (now Morgan Stanley) from 2008-09, which was a pivotal time in the stock market. The relationships Julius formed with the advisors in his office inspired him to seek a career in the industry. In 2009, he was hired by A.G. Edwards (now Wells Fargo) where he was a Financial Advisor in a call center, and then moved to various supervisory roles in the home office. In 2019, he joined Morgan Stanley as a Complex Risk Officer for the Portland, OR market.
Julius graduated from Saint Louis University with a dual major in Economics and Finance. He was a member of the Sigma Alpha Epsilon fraternity where he served as a recorder.
Born in Cape Girardeau, Missouri, Julius grew up in a suburb of Saint Louis. His father was a real estate broker, while his mother served as a public-school teacher.
An avid sports fan, Julius has a passion for college football with the Missouri Tigers being his favorite team. With his deep roots in Saint Louis, he also fervently roots for the Cardinals in major league baseball.
About Christina Stein
As a Market Business Service Officer, Christina oversees the business operations of more than 230 Financial Advisors and 100 support professionals, as well as the operational needs of each of the Complex’s 14 branches. She leads six Business Service Managers, and works closely with the Complex Manager and Senior Risk Officer.
Helping Business Service Managers tackle challenges in their career development and assisting them with developing their support staff are the most rewarding aspects of her role. Recruiting is also important to her; she worked diligently to streamline recruiting processes to ensure a smooth, efficient transition for recruits.
Christina has been with Morgan Stanley her entire career. In 1998, she was an Operations Associate with Smith Barney (now Morgan Stanley). In 2006, Christina became the Operations Manager of the Westlake, OH office where she led the service team, and partnered with the Branch Manager to recruit local advisors. She was promoted to her current positions in 2015.
Born and raised in Cleveland, Christina lives in the region with her husband, Tom, and their two daughters. She enjoys boating, running and being a dance mom. Active in the community, Christina is involved with the Girl Scouts of America, as well as several local charities.
Helping Business Service Managers tackle challenges in their career development and assisting them with developing their support staff are the most rewarding aspects of her role. Recruiting is also important to her; she worked diligently to streamline recruiting processes to ensure a smooth, efficient transition for recruits.
Christina has been with Morgan Stanley her entire career. In 1998, she was an Operations Associate with Smith Barney (now Morgan Stanley). In 2006, Christina became the Operations Manager of the Westlake, OH office where she led the service team, and partnered with the Branch Manager to recruit local advisors. She was promoted to her current positions in 2015.
Born and raised in Cleveland, Christina lives in the region with her husband, Tom, and their two daughters. She enjoys boating, running and being a dance mom. Active in the community, Christina is involved with the Girl Scouts of America, as well as several local charities.
About Jeff Urbin
As the Senior Risk Officer for the Northeast Ohio Western Pennsylvania Market (NOWPAM), Jeff covers all risk-related activities for the market, including helping Financial Advisors succeed while staying within the approved parameters. He holds Series 7, 9, 10, 24 and 66 licenses.
Although managing others may sometimes be difficult, Jeff finds it quite rewarding. He appreciates the challenge of keeping pace with compliance matters in the evolving financial services industry, and working with sales and support staff to find possible solutions to their problems.
Jeff received a bachelor’s degree from Ohio University, and a MBA and Certificate in Data Analytics from Cleveland State University. He graduated from college during a difficult time in the economy with few job openings. A friend landed an interview for him with PNC Investments who was hiring for compliance positions due to increased regulatory issues. In 2010, Jeff started with the firm as a Compliance Officer, and later served as a Business Analyst and Central Review Desk Manager.
Jeff enjoyed his experience, and knew he wanted to continue his career in financial services. In 2021, he joined Morgan Stanley to expand his industry knowledge and skillset.
Jeff was born in Avon Lake, OH, moved to downtown Cleveland after college and now resides in Avon Lake again with his wife, Caitlyn, and their children, Tenley and Everett. He enjoys spending time with family and friends, as well as attending sporting events, comedy shows and concerts.
Although managing others may sometimes be difficult, Jeff finds it quite rewarding. He appreciates the challenge of keeping pace with compliance matters in the evolving financial services industry, and working with sales and support staff to find possible solutions to their problems.
Jeff received a bachelor’s degree from Ohio University, and a MBA and Certificate in Data Analytics from Cleveland State University. He graduated from college during a difficult time in the economy with few job openings. A friend landed an interview for him with PNC Investments who was hiring for compliance positions due to increased regulatory issues. In 2010, Jeff started with the firm as a Compliance Officer, and later served as a Business Analyst and Central Review Desk Manager.
Jeff enjoyed his experience, and knew he wanted to continue his career in financial services. In 2021, he joined Morgan Stanley to expand his industry knowledge and skillset.
Jeff was born in Avon Lake, OH, moved to downtown Cleveland after college and now resides in Avon Lake again with his wife, Caitlyn, and their children, Tenley and Everett. He enjoys spending time with family and friends, as well as attending sporting events, comedy shows and concerts.
About Sally Silvaroli
As the Market Administrator for the Northern Ohio Western Pennsylvania Market (NOWPAM), Sally assists market management with matters affecting Financial Advisors, support staff and market facilities.
She began working at Morgan Stanley in 1987 as a Client Service Associate before becoming a Regional Manager Assistant. She has been in her current role since 2012.
Sally is quite active within the community. Over the last eight years, she has organized quarterly volunteer events at the local food bank and food distribution center. She’s also partnered with local charter schools coordinating annual gift drives that provide holiday gifts for 80 students.
Married with two sons and two granddaughters, Sally enjoys spending time with family and friends, as well as traveling.
She began working at Morgan Stanley in 1987 as a Client Service Associate before becoming a Regional Manager Assistant. She has been in her current role since 2012.
Sally is quite active within the community. Over the last eight years, she has organized quarterly volunteer events at the local food bank and food distribution center. She’s also partnered with local charter schools coordinating annual gift drives that provide holiday gifts for 80 students.
Married with two sons and two granddaughters, Sally enjoys spending time with family and friends, as well as traveling.
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Branch Address
200 Public Square
Suite 2600
Cleveland, OH 44114
US
Branch:
(216) 523-3000(216) 523-3000
Toll-Free:
(800) 362-1230(800) 362-1230
Fax:
(216) 523-3050(216) 523-3050
1When 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.
2Tax laws are complex and are subject to change. 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. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Alternative 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6The returns on a portfolio consisting primarily of sustainable investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
7Morgan 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.
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.
9Tax laws are complex and are subject to change. 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. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
10Morgan 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
11Morgan 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
Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).
The investments and products listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments or products, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. The appropriateness of a particular investment or product will depend upon an investor's individual circumstances and objectives.
Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
© 2022 Morgan Stanley Smith Barney LLC. Member SIPC.
Awards Disclosures
2Tax laws are complex and are subject to change. 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. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Alternative 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6The returns on a portfolio consisting primarily of sustainable investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
7Morgan 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.
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.
9Tax laws are complex and are subject to change. 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. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
10Morgan 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
11Morgan 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
Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).
The investments and products listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments or products, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. The appropriateness of a particular investment or product will depend upon an investor's individual circumstances and objectives.
Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
© 2022 Morgan Stanley Smith Barney LLC. Member SIPC.
Awards Disclosures
CRC 6491812 04/2024