Jordan Hoerter
Private Banker
Patricia A. Reyes
Senior Vice President,
Financial Advisor,
Portfolio Management Director
Direct:
(312) 419-3617(312) 419-3617
Direct:
(312) 989-2867(312) 989-2867
Toll-Free:
(800) 323-1340(800) 323-1340
My Mission Statement
Our team combines youth with experience, advanced certifications with world-class technologies, and a relentless commitment not just to your future-but to your children and grandchildren's future, too.
My Story and Services
Patricia Reyes is a Senior Vice President, Financial Advisor, and Senior Portfolio Manager with The Modern Perspective Group at Morgan Stanley. She brings over 20+ years of industry experience to her clients’ financial lives, helping them – and their families – overcome the obstacles standing between them and their long-term goals.
A graduate of Northern Illinois University with a bachelor’s degree in Finance, Patricia began her career as a Financial Advisor with Merrill Lynch in 2000. In 2002, she joined Fifth Third Securities as an Investment Executive. During her tenure at the firm, she met team member Josh Dunn in 2013. Then in 2021, she brought the team over to Morgan Stanley, a firm that would allow her to equip clients with the world-class technology, investment platforms, and industry research needed to help her clients continue to thrive for decades to come.
With the team, Patricia places a special emphasis on creating and maintaining an exceptional client experience defined by communication, transparency, and commitment. She believes that financial confidence is about more than just performance numbers. Just as important is knowing that you have a consistent guide to turn to in those times you need it most. Each and every day, she strives to go above and beyond for her clients – whether that means coordinating with your professional network, helping you pass on your financial value system to the next generation, or organizing all aspects of your legacy into a coherent whole.
Outside of the office, Patricia lives in Chicago with her husband Jim and their daughter Abby. A world traveler, she counts Tokyo, Maui, and Barcelona as some of her top destinations. But the best trip she’s ever taken was a few years ago with Jim and Abby – exploring Italy by train as a family with stops in Venice, Rome, Florence, and Amalfi Coast. For all her travels abroad, however, Patricia also enjoys staying active in her local community: whether that’s taking a Saturday bike ride around Chicago with the family, or going on weekday morning runs around the neighborhood. She is also committed to giving back, and volunteers with Inspiration Corp, a non-profit that supports Chicagoans affected by poverty and homelessness. An avid cook, she has lately been whipping up various Filipino dishes to help her daughter experience a part of her culture.
A graduate of Northern Illinois University with a bachelor’s degree in Finance, Patricia began her career as a Financial Advisor with Merrill Lynch in 2000. In 2002, she joined Fifth Third Securities as an Investment Executive. During her tenure at the firm, she met team member Josh Dunn in 2013. Then in 2021, she brought the team over to Morgan Stanley, a firm that would allow her to equip clients with the world-class technology, investment platforms, and industry research needed to help her clients continue to thrive for decades to come.
With the team, Patricia places a special emphasis on creating and maintaining an exceptional client experience defined by communication, transparency, and commitment. She believes that financial confidence is about more than just performance numbers. Just as important is knowing that you have a consistent guide to turn to in those times you need it most. Each and every day, she strives to go above and beyond for her clients – whether that means coordinating with your professional network, helping you pass on your financial value system to the next generation, or organizing all aspects of your legacy into a coherent whole.
Outside of the office, Patricia lives in Chicago with her husband Jim and their daughter Abby. A world traveler, she counts Tokyo, Maui, and Barcelona as some of her top destinations. But the best trip she’s ever taken was a few years ago with Jim and Abby – exploring Italy by train as a family with stops in Venice, Rome, Florence, and Amalfi Coast. For all her travels abroad, however, Patricia also enjoys staying active in her local community: whether that’s taking a Saturday bike ride around Chicago with the family, or going on weekday morning runs around the neighborhood. She is also committed to giving back, and volunteers with Inspiration Corp, a non-profit that supports Chicagoans affected by poverty and homelessness. An avid cook, she has lately been whipping up various Filipino dishes to help her daughter experience a part of her culture.
Services Include
- 401(k) Rollovers
- Retirement PlanningFootnote1
- Structured ProductsFootnote2
- Planning for Individuals with Special Needs and their Families
- Life InsuranceFootnote3
- Professional Portfolio ManagementFootnote4
- Trust AccountsFootnote5
- Alternative InvestmentsFootnote6
- Estate Planning StrategiesFootnote7
- Financial PlanningFootnote8
- Corporate Pension Plans
- Qualified Retirement PlansFootnote9
- Long Term Care InsuranceFootnote10
- Trust ServicesFootnote11
- Divorce Financial AnalysisFootnote12
- Stock Option PlansFootnote13
- Business Succession PlanningFootnote14
- Asset Management
Securities Agent: OR, AK, NY, NV, FL, TX, PA, OH, LA, CO, CA, WI, MI, CT, NE, MO, IN, ID, AZ, MN, TN, NJ, NC, WA, MA, VA, SC, KY, IL, GA, VT, OK, MD, KS, IA; General Securities Representative; Investment Advisor Representative
NMLS#: 2136682
NMLS#: 2136682
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Value That Drives Us
Trust. Honesty. Respect. Integrity. Commitment. These five values are the foundation of our team. We strive to embody them in everything we do. Our clients know that, and it’s the reason so many of them have been working with us for decades.
Leaving Your Mark
From creating a “nest egg” for loved ones, to advancing the
efforts of a favorite charitable organization – our clients all want to leave their mark. That’s why we:
• Start to have legacy conversations early on in our relationship so that we can account for your estate plan, charitable giving strategies, etc.
• Coordinate with your network of accountants, attorneys, and other advisors to help provide key investment perspective in the times you need it most
• Meet with your loved ones to help them develop healthy
long-term financial habits
Click on the link to learn more about The Modern Perspective Groupefforts of a favorite charitable organization – our clients all want to leave their mark. That’s why we:
• Start to have legacy conversations early on in our relationship so that we can account for your estate plan, charitable giving strategies, etc.
• Coordinate with your network of accountants, attorneys, and other advisors to help provide key investment perspective in the times you need it most
• Meet with your loved ones to help them develop healthy
long-term financial habits
VALUABLE TOOLS AND RESOURCES
Our comprehensive suite of digital tools are designed to help enhance various aspects of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors.
The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
Digital VaultThe Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
Morgan Stanley Online and MS Mobile
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity.
Features Include:
eAuthorizations: an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
eDelivery: reduces paper documents sent by mail and can protect your personal information from getting into the hands of identity thieves.
Managing your everyday finances such as paying bills online, sending money or transferring funds.
Morgan Stanley Online & MS MobileFeatures Include:
eAuthorizations: an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
eDelivery: reduces paper documents sent by mail and can protect your personal information from getting into the hands of identity thieves.
Managing your everyday finances such as paying bills online, sending money or transferring funds.
Portfolio Risk Platform - Powered by Aladdin
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types.
This platform provides a holistic view to better enable risk to be effectively monitored and managed.
Portfolio Risk Platform - Powered by AladdinThis platform provides a holistic view to better enable risk to be effectively monitored and managed.
Total Wealth View
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Log into Morgan Stanley Online or download the Morgan Stanley Mobile App to link and add external accounts.
Total Wealth ViewLog into Morgan Stanley Online or download the Morgan Stanley Mobile App to link and add external accounts.
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
Check Out The Latest Podcast
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Check Out The Latest Episode
Tax Efficient Strategies
The tax decisions you make today can help you save for years to come. Consider these smart tax strategies for your financial plan.
Your Guide To Tax-Efficient Planning
2024 Federal Income Tax Tables
To better assist you with this year's tax filing, please find below the 2024 Tax Tables for your reference.
Learn More
How to Access Your Tax Forms
1. Log into your account via Morgan Stanley Online
2. Click the Accounts tab
3. Select the Documents tab
4. Go to the Statement drop-down tab
5. Select Tax Documents and download them
Click here to log in to Morgan Stanley online2. Click the Accounts tab
3. Select the Documents tab
4. Go to the Statement drop-down tab
5. Select Tax Documents and download them
Reserved Living and Giving
Save on travel, dining, holiday gifts and more with Morgan Stanley's Reserved Living and Giving program
Learn about the benefitsClient Service Team
Jack Degiorgio - Registered Client Service Associate
Phone:
(630) 573-9787(630) 573-9787
Email:Jack.Degiorgio@morganstanley.com
Jack Degiorgio is a Registered Client Service Associate with The Modern Perspective Group. He recently started with Morgan Stanley in August 2023, focusing on providing excellent service with every client interaction.
Jack is a recent graduate of Michigan State University as of May 2023, with a major in Finance and a minor in Wealth Management and Financial Planning. Born and raised in the Chicagoland area, he recently moved back to Chicago post-graduation. In Jack’s free time, he loves to get out on the golf course, hike, and cheer on his Michigan State Spartans.
Jack is a recent graduate of Michigan State University as of May 2023, with a major in Finance and a minor in Wealth Management and Financial Planning. Born and raised in the Chicagoland area, he recently moved back to Chicago post-graduation. In Jack’s free time, he loves to get out on the golf course, hike, and cheer on his Michigan State Spartans.
CA Insurance License #: 4363855
Belinda Y. Castellanos - Portfolio Associate
Phone:
(708) 226-5451(708) 226-5451
Email:Belinda.Castellanos@morganstanley.com
Belinda provides high level administrative expertise and exceptional service to clients. She works with the team to deliver and manage our wealth management process, creates tailored investment proposals and wealth management reports for our clients. Belinda has dedicated over twenty years to providing outstanding service to clients and continues to build professional relationships.
Belinda currently resides in the south suburbs of Chicago along with her three children. She loves to cook and spend time with family and friends.
Belinda currently resides in the south suburbs of Chicago along with her three children. She loves to cook and spend time with family and friends.
Location
233 S Wacker Dr
Ste 8600
Chicago, IL 60606
US
Direct:
(312) 419-3617(312) 419-3617
Toll-Free:
(800) 323-1340(800) 323-1340
233 S. Wacker Drive
87th Floor
Chicago, IL 60606
US
Direct:
(312) 989-2867(312) 989-2867
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
Amy Gross, CFP®
Financial Planning Director, Vice President
About Jordan Hoerter
Jordan Hoerter is a Private Banker serving Morgan Stanley Wealth Management offices in Illinois.
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.
Jordan began his career in financial services in 2010 and joined Morgan Stanley in 2019. Prior to joining the firm, he was Vice President, Private Banker at Associated Bank.
Jordan is a graduate of the University of Wisconsin Stevens Point where he received a Bachelor of Science in Business Administration and Marketing. He lives in Chicago, Illinois.. Jordan donates his time with United Way, Emerging Leaders, Blessings in a Backpack and Junior Achievement.
When not in the office, Jordan enjoys running, snowboarding, traveling and spending time with his family.
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.
Jordan began his career in financial services in 2010 and joined Morgan Stanley in 2019. Prior to joining the firm, he was Vice President, Private Banker at Associated Bank.
Jordan is a graduate of the University of Wisconsin Stevens Point where he received a Bachelor of Science in Business Administration and Marketing. He lives in Chicago, Illinois.. Jordan donates his time with United Way, Emerging Leaders, Blessings in a Backpack and Junior Achievement.
When not in the office, Jordan enjoys running, snowboarding, traveling and spending time with his family.
NMLS#: 1445073
About Amy Gross
Amy Gross is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in the Chicago suburbs. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Amy began her career in financial services in 2009 and joined Morgan Stanley in 2021. Prior to her current position, she worked at Merrill Lynch and Credit Suisse as a Senior Registered Associate working with high-net-worth clients on an individual basis and making sure all their financial and operational needs were met.
Amy graduated from Illinois State University and holds her Certified Financial Planner® designation. Amy lives in Brookfield, IL with her husband Garrett, daughter Felicity and son Emmett. Outside of work, Amy enjoys both going to and volunteering at Brookfield Zoo and is a Chicago Zoological Association Associate Board Member. Outside of work she enjoys reading, traveling and exploring new places whenever she can.
Amy began her career in financial services in 2009 and joined Morgan Stanley in 2021. Prior to her current position, she worked at Merrill Lynch and Credit Suisse as a Senior Registered Associate working with high-net-worth clients on an individual basis and making sure all their financial and operational needs were met.
Amy graduated from Illinois State University and holds her Certified Financial Planner® designation. Amy lives in Brookfield, IL with her husband Garrett, daughter Felicity and son Emmett. Outside of work, Amy enjoys both going to and volunteering at Brookfield Zoo and is a Chicago Zoological Association Associate Board Member. Outside of work she enjoys reading, traveling and exploring new places whenever she can.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
Article Image
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
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
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 Patricia A. Reyes today.
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.
2Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Morgan 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.
5Morgan 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.
6Alternative 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.
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 and other legal matters.
8Morgan 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.
9When 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Morgan 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.
12Morgan 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.
13Morgan 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.
14Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
2Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Morgan 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.
5Morgan 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.
6Alternative 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.
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 and other legal matters.
8Morgan 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.
9When 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Morgan 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.
12Morgan 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.
13Morgan 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.
14Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
