Leonard Galante, CFP®
Executive Director, Financial Advisor
Phone:
(505) 889-2880(505) 889-2880
Park Square Group at Morgan Stanley
Leonard Galante, CFP®Brian Bower, CIMA®Rosie Milloy, CFP®Cody BowerDaniel MontanoAkash PatelGreisy Aragon
Direct:
(505) 889-2867(505) 889-2867
Toll-Free:
(800) 776-5973(800) 776-5973
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Trust, Value and Collaboration
At Park Square Group, we focus on what is most important to you, your family and your future. We provide the skills, strategies and solutions needed to help make informed, confident decisions about your wealth. When you work with us, you will enjoy a dedicated group that prioritizes your best interests and treats you as an extension of our team. We are proud of the personalized experience we provide each client and welcome the opportunity to deliver this same level of excellence to you and your family.
Most importantly, we commit to helping make a meaningful difference in your life through the delivery of three core values that have become the hallmark of our practice:
1. Trust
We create deep relationship, built on trust. We do this by working with select group of clients who value our knowledge and experience in providing comprehensive solutions. Our goal is to be the last financial advisory team you will ever need.
2. Value
We take a disciplined approach to helping you manage complexity, optimize investment returns, and achieve your goals. With a keen focus on fee optimization and tax minimization strategies, we help you keep more of what you earn. We leverage our firm's size and scale to drive down fees and pass those savings
3. Collaboration
We believe the diversity of our backgrounds and experiences enables us to deliver fresh ideas for today's complex world. We work in collaboration with your accountant, attorney and other professionals to build a comprehensive plan that encompasses most aspects of your life.
Most importantly, we commit to helping make a meaningful difference in your life through the delivery of three core values that have become the hallmark of our practice:
1. Trust
We create deep relationship, built on trust. We do this by working with select group of clients who value our knowledge and experience in providing comprehensive solutions. Our goal is to be the last financial advisory team you will ever need.
2. Value
We take a disciplined approach to helping you manage complexity, optimize investment returns, and achieve your goals. With a keen focus on fee optimization and tax minimization strategies, we help you keep more of what you earn. We leverage our firm's size and scale to drive down fees and pass those savings
3. Collaboration
We believe the diversity of our backgrounds and experiences enables us to deliver fresh ideas for today's complex world. We work in collaboration with your accountant, attorney and other professionals to build a comprehensive plan that encompasses most aspects of your life.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
Taking a holistic view of your wealth, The Park Square Group provides process, context and action to create a personalized plan that reflects who you are and where you want to go.
Process
Through establishing and articulating your objectives, and reviewing and analyzing your present structure and assets, we develop a comprehensive, personalized wealth plan
Context
We use you life goals as our guide in creating a risk-balances strategy which maps a clear path to helping achieve your success. We take into account structure, risk tolerance, liquidity needs, performance goals, and time horizon.
Action
We apply extensive research to implement your plan with skill and precision. Backed by Morgan Stanley's full suite of technology and world-class tools, we strive to ensure careful execution of your strategy in all market scenarios.
Measuring Your Sucess
We check in with you on a consistent basis to deliver metrics around your portfolio, asses performance against your stated goals, and discuss evolving objectives. Our ultimate mission is your financial success and well-being.
OUR COMMITMENT TO YOU
We attract new clients – and maintain existing ones – because of the personal service experience we deliver.
Personalized Service
No two clients are alike; therefore, no two wealth management plans are alike. We get to know you personally, so we can understand the challenges surrounding your wealth. Above all, we help you achieve your goals in a manner that aligns with your expectations.
Transparency
It is critically important for you to always know where you stand. We keep you informed through ongoing communication about your plan and investment portfolio. In addition, we utilize an “open architecture” platform with investments seeking to ensure there is never a conflict of interest.
Confidentiality
Confidentiality is core to any financial relationship. We recognize your personal and financial data is your private information, and we are committed to keeping it secure and confidential. We employ a full suite of strategies to protect your assets, guard your online interactions, and keep your personal information confidential.
Client Resources
We are committed to providing you with key information about effectively managing your wealth in today's global markets. We have gathered the resources below to help reinforce the fundamental investment strategies and concepts of our practice.
GIC Monthly Weekly Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
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Morgan Stanley Online
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eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in the Morgan Stanley Online (MSO) may enroll in eDelivery.
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Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool.
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Thoughts on The Market Podcast
Join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
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Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows for easy sharing and convenient access to life's important documents from wills and deeds to financial statements and tax filings. Easily manage your encrypted financial records all in one place.
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Total Tax 365
Taxes act as a drag on your investment performance that can be heavier than any fee you pay. But they can also be the easiest to reduce, with the right strategies in place. Morgan Stanley Total Tax 365 offers access to a full spectrum of tax-smart investment solutions to help mitigate the tax drag on your portfolio—so you can keep more of what you earn and improve your after-tax return.
Learn More About Total Tax 365Client Engagement
Market Outlook Call
We host a monthly seminar in our offices on the third Thursday. During this event, we discuss outlook on the current markets and other market-related topics. For those unable to attend in person, there is an option to dial in. Please reach out to us for dial-in information.
Location
6565 Americas Pkwy NE
Ste 400
Albuquerque, NM 87110
US
Direct:
(505) 889-2867(505) 889-2867
Toll-Free:
(800) 776-5973(800) 776-5973
150 Washington Ave.
Ste. 301
Santa Fe, NM 87501
US
Direct:
(505) 988-7736(505) 988-7736
Meet Park Square Group
Brian Bower, CIMA®
Senior Vice President, Wealth Advisor
Phone:
(505) 889-2809(505) 889-2809
Rosie Milloy, CFP®
First Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist, Insurance Planning Director
Phone:
(505) 988-7736(505) 988-7736
Cody Bower
Associate Vice President, Wealth Management, Financial Advisor
Phone:
(505) 889-2886(505) 889-2886
Daniel Montano
Vice President, Financial Advisor
Phone:
(505) 889-2845(505) 889-2845
Akash Patel
Registered Client Service Associate
Phone:
(505) 889-2834(505) 889-2834
Greisy Aragon
Registered Client Service Associate
Phone:
(505) 889-2841(505) 889-2841
About Leonard Galante
Leonard brings a lifetime of experience to his role as the founding partner of Park Square Group. Since 1991, he has enjoyed working with individuals and families with a higher level of wealth. He focuses on portfolio management, risk analysis and financial planning. Leonard’s comprehensive approach includes a thorough planning process, a diversified investment portfolio, and a commitment to outstanding service.
Leonard is a graduate of the University of New Mexico and a veteran of the U.S. Navy. Throughout his career, he has remained committed to professional development, earning valuable industry and firm credentials including Certified Financial PlannerTM and Senior Portfolio Management Director at Morgan Stanley.
Leonard is a member of Morgan Stanley’s Veterans Employee Network and supports activities that help veterans, and active duty military members and families. Leonard and his wife, Lisa, have two grown daughters, Olivia and Sarah. Leonard and Lisa currently reside in Albuquerque.
Leonard is a graduate of the University of New Mexico and a veteran of the U.S. Navy. Throughout his career, he has remained committed to professional development, earning valuable industry and firm credentials including Certified Financial PlannerTM and Senior Portfolio Management Director at Morgan Stanley.
Leonard is a member of Morgan Stanley’s Veterans Employee Network and supports activities that help veterans, and active duty military members and families. Leonard and his wife, Lisa, have two grown daughters, Olivia and Sarah. Leonard and Lisa currently reside in Albuquerque.
Securities Agent: FL, OK, WA, OR, NY, ND, MT, KY, GA, DC, WI, IL, DE, NM, NE, CO, WY, TX, SC, OH, MD, MA, AZ, AR, AL, VA, NV, NJ, NC, MO, LA, IA, SD, PA, MN, MI, KS, ID, ME, AK, UT, HI, CA; General Securities Representative; Investment Advisor Representative
About Brian Bower
A seasoned professional with over 30 years of experience, Brian enjoys helping clients simplify their financial lives, so they may enjoy the wealth they have created and leave the legacy they desire. His approach includes the development of a tailored wealth management plan and a commitment to outstanding service.
Brian is a second-generation Financial Advisor. He grew up in a household dedicated to helping families achieve their goals and believes that becoming an advisor was his destiny. Brian attended Fort Lewis College in Durango, Colorado, earning his B.A. degree in Marketing and minor in Economics. Upon graduation, he began his career in the banking industry. A natural progression took him to Morgan Stanley in 2000. He became a Financial Advisor and has enjoyed every moment.
Brian and his wife, Jada, live in Albuquerque. They have three children, Cody, Brooke and Brynn. A compassionate believer in giving back, Brian is active in a number of local organizations. He currently serves on the board of Western Mineral and Oil. Prior board memberships include the Rotary Club of Albuquerque, Dental Care in Your Home, and New Mexico Ice. Outside of the office, Brian loves the outdoors. Favorite activities include fly fishing, hiking, biking, golf and boating.
Brian is a second-generation Financial Advisor. He grew up in a household dedicated to helping families achieve their goals and believes that becoming an advisor was his destiny. Brian attended Fort Lewis College in Durango, Colorado, earning his B.A. degree in Marketing and minor in Economics. Upon graduation, he began his career in the banking industry. A natural progression took him to Morgan Stanley in 2000. He became a Financial Advisor and has enjoyed every moment.
Brian and his wife, Jada, live in Albuquerque. They have three children, Cody, Brooke and Brynn. A compassionate believer in giving back, Brian is active in a number of local organizations. He currently serves on the board of Western Mineral and Oil. Prior board memberships include the Rotary Club of Albuquerque, Dental Care in Your Home, and New Mexico Ice. Outside of the office, Brian loves the outdoors. Favorite activities include fly fishing, hiking, biking, golf and boating.
Securities Agent: AL, WY, NY, NJ, NE, ME, PA, NC, KS, DE, NH, MT, FL, MD, ID, AK, OR, LA, HI, AZ, VA, UT, MA, IL, IA, AR, OK, NV, MI, MO, MN, IN, GA, WI, TX, SD, SC, NM, KY, WA, OH, CO, CA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282728
NMLS#: 1282728
About Rosie Milloy
Rosie is a Financial Planning Specialist and Financial Advisor with The Park Square Group. With energy and optimism, she helps high net worth individuals and families solve their financial challenges, making complex topics easy to understand. Rosie enjoys educating clients on how to help create and implement an effective financial plan, manage risk in their portfolio, and make more confident decisions about their wealth.
Growing up in Albuquerque, Rosie experienced firsthand the dramatic impact of unexpected life events on a family’s finances. This inspired her to pursue a profession that would allow her to help families prepare for the future through smart and effective planning strategies. Upon earning her B.B.A. degree in Finance and Economics from the University of New Mexico, she began her career at Northwestern Mutual, before joining Morgan Stanley in 2015 as a Financial Advisor.
Today, Rosie enjoys building close relationships with her clients to understand the specific goals they’ve set for themselves and their families. Her approachable style helps clients make well-informed decisions, while maintaining the discipline necessary to navigate today’s challenging markets. Outside of the office, she is involved with the Children’s Grief Center and volunteers at the Roadrunner Food Bank. Rosie’s favorite leisure activities include horse riding (she previously competed nationally), running and snowboarding.
Growing up in Albuquerque, Rosie experienced firsthand the dramatic impact of unexpected life events on a family’s finances. This inspired her to pursue a profession that would allow her to help families prepare for the future through smart and effective planning strategies. Upon earning her B.B.A. degree in Finance and Economics from the University of New Mexico, she began her career at Northwestern Mutual, before joining Morgan Stanley in 2015 as a Financial Advisor.
Today, Rosie enjoys building close relationships with her clients to understand the specific goals they’ve set for themselves and their families. Her approachable style helps clients make well-informed decisions, while maintaining the discipline necessary to navigate today’s challenging markets. Outside of the office, she is involved with the Children’s Grief Center and volunteers at the Roadrunner Food Bank. Rosie’s favorite leisure activities include horse riding (she previously competed nationally), running and snowboarding.
Securities Agent: TX, TN, KS, CO, DE, VT, GA, FL, AK, MD, MA, AR, OK, HI, MI, IL, IA, WY, OR, NV, NM, NC, MO, CT, WI, VA, UT, SD, PA, NY, NJ, NE, MN, KY, ID, WV, WA, SC, CA, OH, ME, AL, MT, LA, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 1809637
NMLS#: 1809637
About Cody Bower
A dedicated professional that focuses on investments and financial planning. Cody enjoys helping clients streamline their financial picture, so they may enjoy the wealth they have created and potentially achieve their desired goals. His approach includes the development of a tailored wealth management plan and a commitment to outstanding service.
Cody is a Third-generation Financial Advisor. He grew up in a household dedicated to helping families achieve their goals and has always wanted to follow in his Grandfather and Fathers’ footsteps. Cody attended the University of New Mexico, Midland College and Cameron University as he played college baseball for all three schools. Upon graduation, he began his career in Wealth Management immediately. A natural progression took him to Morgan Stanley in 2021. He became a Financial Advisor working alongside his father Brian and Park Square Group enjoying every moment.
Cody and his wife Breanne, live in Albuquerque. They have two dogs Milo and Zia. As a former collegiate athlete Cody enjoys giving back to the game of baseball and spends time helping the next generation work to get to the next level. Outside of the office, Cody loves the outdoors. Favorite activities include tennis, archery, fishing, golf and boating.
Cody is a Third-generation Financial Advisor. He grew up in a household dedicated to helping families achieve their goals and has always wanted to follow in his Grandfather and Fathers’ footsteps. Cody attended the University of New Mexico, Midland College and Cameron University as he played college baseball for all three schools. Upon graduation, he began his career in Wealth Management immediately. A natural progression took him to Morgan Stanley in 2021. He became a Financial Advisor working alongside his father Brian and Park Square Group enjoying every moment.
Cody and his wife Breanne, live in Albuquerque. They have two dogs Milo and Zia. As a former collegiate athlete Cody enjoys giving back to the game of baseball and spends time helping the next generation work to get to the next level. Outside of the office, Cody loves the outdoors. Favorite activities include tennis, archery, fishing, golf and boating.
Securities Agent: VA, KS, OK, NE, MT, MA, GA, CT, AL, AK, NM, AZ, UT, SD, PA, TX, NY, IL, AR, CA, WA, SC, ND, NC, MI, IA, WI, NJ, MO, KY, HI, WY, NV, ID, CO, OR, MN, LA, FL, DE, OH, ME, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 2187148
NMLS#: 2187148
About Daniel Montano
I began my journey in our industry in April, 1986. The responsibilities I've had over the years has allowed me the experience and insight into how I can best help and protect our clients best interests. I will be here to support your efforts in creating and preparing for the future you have worked so hard to accomplish. My role is to provide a high level of service through our monthly communications, reviews, wealth education and to further simplify the process of managing your wealth. I am from Albuquerque and enjoy spending time with my wife Diana and our family.
Securities Agent: OR, GA, DE, NY, NJ, MO, MI, CO, SD, MD, AZ, AL, UT, TX, MT, KY, KS, IN, CA, SC, PA, MN, ME, IA, AK, WY, WI, IL, ID, FL, VA, OK, OH, NV, WA, MA, NC, HI, AR, NM, NE, LA; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1393619
CA Insurance License #: 0L08742
AR Insurance License #: 17907084
NMLS#: 1393619
CA Insurance License #: 0L08742
AR Insurance License #: 17907084
About Akash Patel
As a Registered Client Service Associate at Park Square Group, Akash is committed to building strong relationships with clients. His primary responsibilities include onboarding new clients, processing new accounts, transferring assets, and performing operational tasks that support executing investment related inquires and implementation.
Akash chose a career that provides people with confidence about their future and their finances. Upon graduating magna cum laude from the University of New Mexico Anderson School of Management with a concentration in Financial Management. Akash then went on to join Morgan Stanley 2016.
Akash and his wife, Niki, enjoy being part of a large and close-knit family. He is a member of the Asian American Hotel Owners Association and volunteers at Habitat for Humanity and local food banks. In his free time, Akash enjoys golfing, travelling, and spending time with his wife Niki and son Shaan.
Akash chose a career that provides people with confidence about their future and their finances. Upon graduating magna cum laude from the University of New Mexico Anderson School of Management with a concentration in Financial Management. Akash then went on to join Morgan Stanley 2016.
Akash and his wife, Niki, enjoy being part of a large and close-knit family. He is a member of the Asian American Hotel Owners Association and volunteers at Habitat for Humanity and local food banks. In his free time, Akash enjoys golfing, travelling, and spending time with his wife Niki and son Shaan.
About Greisy Aragon
Greisy has been a Registered Client Service Associate with Morgan Stanley since 2020. She helps shape the future of our service with her desire to be thorough, efficient, personable, and effective. She is modernizing the client experience through our technology and is elevating our standard of care. Greisy truly cares about our clients and works hard to help them simplify and manage aspects of their financial life. She strives to provide every client we serve with a first-class customer experience.
Greisy cultivates and enhances new and existing client relationships through active communication, processing client requests, resolving inquiries, and making sure key information and documentation remains current. Greisy helps run our business with an eye on each administrative detail and finds the issues that need to be addressed. She is a fantastic partner within our group.
Greisy has over 13 years of financial services experience, with major financial institutions since 2011. She holds the Series 7 and Series 63 Registrations; graduated in 2019 with her Associates of Applied Science in Integrated Studies and joined Morgan Stanley in 2020.
Greisy is from Albuquerque, New Mexico. Outside of work, she enjoys volunteering and attending Sagebrush Church, small home renovation projects with her husband and making memories with her children.
Greisy cultivates and enhances new and existing client relationships through active communication, processing client requests, resolving inquiries, and making sure key information and documentation remains current. Greisy helps run our business with an eye on each administrative detail and finds the issues that need to be addressed. She is a fantastic partner within our group.
Greisy has over 13 years of financial services experience, with major financial institutions since 2011. She holds the Series 7 and Series 63 Registrations; graduated in 2019 with her Associates of Applied Science in Integrated Studies and joined Morgan Stanley in 2020.
Greisy is from Albuquerque, New Mexico. Outside of work, she enjoys volunteering and attending Sagebrush Church, small home renovation projects with her husband and making memories with her children.
Contact Leonard Galante
Contact Brian Bower
Contact Rosie Milloy
Contact Cody Bower
Contact Daniel Montano
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
Rick Dombrowski
Private Banker
About Rick Dombrowski
Rick Dombrowski is a Private Banker serving Morgan Stanley Wealth Management offices in Arizona.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Rick began his career in financial services in 1996, and joined Morgan Stanley in 2014 as a Private Banker. Prior to joining the firm, he was a Private Banker at BBVA Compass. He also served as a Credit Analyst, Private Banker and Regional Credit Manager at Wells Fargo Bank, N.A.
Rick is a graduate of Arizona State University, where he received a Bachelor of Science in Finance. He lives in Scottsdale, Arizona with his family. Outside of the office, Rick enjoys music, skiing, and traveling.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Rick began his career in financial services in 1996, and joined Morgan Stanley in 2014 as a Private Banker. Prior to joining the firm, he was a Private Banker at BBVA Compass. He also served as a Credit Analyst, Private Banker and Regional Credit Manager at Wells Fargo Bank, N.A.
Rick is a graduate of Arizona State University, where he received a Bachelor of Science in Finance. He lives in Scottsdale, Arizona with his family. Outside of the office, Rick enjoys music, skiing, and traveling.
NMLS#: 512436
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
Mosaic
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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 Park Square 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
4Morgan 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
7Morgan Stanley’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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
4Morgan 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
7Morgan Stanley’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.
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Awards Disclosures
CRC 6491812 (04/2024)
