Samantha Grieco
Financial Advisor, Financial Planning Specialist
Phone:
(703) 456-6024(703) 456-6024
Join us in celebrating the formation of the Athina Group. See “Our Story” for details.
Paula Michaels
Senior Vice President,
Financial Advisor,
Portfolio Management Director
Direct:
(703) 456-6003(703) 456-6003
My Mission Statement
To empower you to make the best decisions for you and your family.
Listening to you gives us a framework
to provide you with easily understood options.
Transparency, integrity, and out of the box thinking
provide you with best-in-class service
to carry out and support your decisions
Listening to you gives us a framework
to provide you with easily understood options.
Transparency, integrity, and out of the box thinking
provide you with best-in-class service
to carry out and support your decisions
Helping You To Achieve Your Dreams
Athina is an alternate spelling of Athena. Athina was revered as a protector and a warrior. She is associated with wisdom and righteousness. We feel that this name reflects our commitment to you as we strive to be your wise and fearless advisors.
My partners Samantha Grieco, Steve Foki, and I are excited about our collaboration. Most of you know Steve as he and I have been working together for several years. Sam joins us from Merrill Lynch. She was previously with Charles Schwab.
Steve will continue to help you with your administrative/operational questions and processes. Sam and I will implement financial planning, investments, insurance, and lending solutions. Sam’s initial responsibilities are financial planning and insurance. She will also work with you on the various tools and systems Morgan Stanley provides for your benefit.
Expanding our team gives us the opportunity to provide optimal service to you. If you have any suggestions as to what you would love to have added, please let me know.
The Athina Group will continue to strive to provide the highest level of service while we work to earn and maintain your continued trust.
Scroll below to learn more about us.
Helping you to achieve your dreams is my mantra. Financial planning and investing are not a one size fits all deal. There are many ways to achieve the same goal. Listening to you helps us show you the options that may work best for you.
One aspect of my job is to be your coach and mentor. The best coaches work with you to emphasize your strengths and minimize your weaknesses. The best mentors don’t tell you what to do. They are sounding boards who help you weigh the pros and cons of your course of action so that you make the best decision for you.
Once we have determined your goals and comfort level, we can design strategies for your goals. If absolutely necessary, we will push you outside of your comfort zone to get you to your goal.
My love of horseback riding has helped tremendously in my work. Riding effectively is often counterintuitive. One of the hardest lessons I still struggle with is letting go of the reins when the horse is upset. Every instinct says to hold on tight and pull back hard! To stay safe, you must gently turn the horse in a circle to slow down the pace.
Investing and risk management is often counterintuitive. I will help you learn and execute those counterintuitive strategies such as focusing on long-term growth instead short-term volatility and investing in areas that are not in the headlines.
My partners Samantha Grieco, Steve Foki, and I are excited about our collaboration. Most of you know Steve as he and I have been working together for several years. Sam joins us from Merrill Lynch. She was previously with Charles Schwab.
Steve will continue to help you with your administrative/operational questions and processes. Sam and I will implement financial planning, investments, insurance, and lending solutions. Sam’s initial responsibilities are financial planning and insurance. She will also work with you on the various tools and systems Morgan Stanley provides for your benefit.
Expanding our team gives us the opportunity to provide optimal service to you. If you have any suggestions as to what you would love to have added, please let me know.
The Athina Group will continue to strive to provide the highest level of service while we work to earn and maintain your continued trust.
Scroll below to learn more about us.
Helping you to achieve your dreams is my mantra. Financial planning and investing are not a one size fits all deal. There are many ways to achieve the same goal. Listening to you helps us show you the options that may work best for you.
One aspect of my job is to be your coach and mentor. The best coaches work with you to emphasize your strengths and minimize your weaknesses. The best mentors don’t tell you what to do. They are sounding boards who help you weigh the pros and cons of your course of action so that you make the best decision for you.
Once we have determined your goals and comfort level, we can design strategies for your goals. If absolutely necessary, we will push you outside of your comfort zone to get you to your goal.
My love of horseback riding has helped tremendously in my work. Riding effectively is often counterintuitive. One of the hardest lessons I still struggle with is letting go of the reins when the horse is upset. Every instinct says to hold on tight and pull back hard! To stay safe, you must gently turn the horse in a circle to slow down the pace.
Investing and risk management is often counterintuitive. I will help you learn and execute those counterintuitive strategies such as focusing on long-term growth instead short-term volatility and investing in areas that are not in the headlines.
Services Include
Securities Agent: NM, NJ, CO, CA, MA, WV, NY, NC, CT, VT, OR, DC, WI, TN, SC, KS, MD, MT, UT, TX, PA, GA, FL, DE, WY, VA; General Securities Representative; Investment Advisor Representative
NMLS#: 1312533
NMLS#: 1312533
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Preparing You For Your Financial Future
We aim to use financial education as a catalyst for the advancement and empowerment of all. Access a suite of resources below, tailored to young investors and those who needed a refresher. It’s never too early – or too late – to start improving your foundation.
How to Pay Off Your Student Loans
If figuring out how to pay off student loans is an issue for you, you’re not alone. Learn the options for how to pay off debt you took on to pay for school.
Here's what you need to know
Being Named an Executor of a Will
If you’ve been named the executor of a parent’s will, you’ll find it’s a role with both emotional and administrative tasks.
Here are some key guidelines
The Millennial and Gen Z Guide to a Sweet Retirement
Having time on your side is a tremendous advantage. Starting a retirement plan early may be the single easiest way to retire with an impressive nest egg.
Here's how
Maximize Your 401K Plan
One of the simplest and most effective ways to save for retirement is to contribute to your company’s 401(k) plan. A 401(k) plan allows you to defer a portion of your paycheck to your retirement account each pay period automatically, while potentially reducing your tax bill this year. But are you getting the most out of your 401(k)?
Three 401(k) retirement strategies to consider
Basics of Health Insurance
Securing the right health insurance is essential, however, not only for your physical well-being, but for your long-term financial health as well.
Here's what you need to know
Importance of Disability Insurance
When planning for the future we take into consideration the loss of loved ones, however often neglect the possibility of accidents resulting in disabilities in our younger relatives. Those under the age of 50 are more likely to face an unexpected injury or illness than loss of life.
Learn more about disability income insurance
Use Credit Wisely
Whether you’re applying for a mortgage, purchasing car insurance, or signing up with a new Internet provider, you will inevitably be asked about your credit.
Learn how to maintain or improve your score
Behavioral Finance
While people are supposed to act in their own self-interest and make logical decisions, human beings are much more inclined to act emotionally when it comes to money – that’s the core principle behind a school of thought called Behavioral Investing.
Learn the triggers you should watch out forMonthly Outlooks and Updates
At Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We want to provide our clients with as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
Safeguard Your Assets
As a Morgan Stanley client, you rely on us to help you reach your financial goals. As a result, you entrust us with not only your aspirations for the future, but also with your confidential information and assets. We want you to know how seriously we take our responsibilities.
Read more on how Morgan Stanley protects your assets
How to Think About Inflation
The Fed continues to chart its aggressive rate-hike path as inflation remains to be tamed. How should you be thinking about investing around inflation?
Learn more here
Addressing Cybercrime
In a world that is now more virtual than ever, staying safe online is nothing short of paramount. Take advantage of these helpful hints on how to prevent hacking.
Learn how to detect hacking
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
2023 Federal Tax Tables
This helpful resource outlines the 2023 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
Access the 2023 Federal Tax Tables
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read the latest report
Retirement Planning
It’s important to determine how much money you may need saved for a comfortable retirement. Here are ways to overcome some of the challenges of growing and preserving your retirement savings and how we can help.
Explore ways to protect your assets
Lessons in Leadership
Morgan Stanley frequently invites influential figures in the sports, music, and entertainment industries to give talks regarding their careers and experiences with leadership.
Register for the next presentation
Morgan Stanley Minute
In this ongoing series of one-minute videos from our firm’s top investment thinkers, you can explore current trends and topics like green bonds, active investment, monetizing small businesses, cybercrime and more.
View our content libraryMORGAN STANLEY RESERVED LIVING & GIVING
Clients with $1 million+ in assets and liabilities at Morgan Stanley are eligible to enroll in the Reserved Living & Giving program. As a Reserved member, clients will have access to exclusive partner offers and discounts, as well as thought leadership content on a variety of lifestyle and personal finance topics.
About Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's and E*TRADE’s eligible* clients. The program is designed to enhance your lifestyle and relationship with the firm.
Click here to learn more
Reserved Insights
Curated insights and articles spanning such topics as Family, Lifestyle, Health & Planning, Travel, and Giving Back.
Read the latest insights
Signature Access
Signature Access, the highest tier of Morgan Stanley’s complimentary loyalty program Reserved Living & Giving, gives clients with $10 million or more in assets at the firm access to world class services such as Private Health Advisory, Personal Cybersecurity Services, Aircraft Management and more in addition to all the discounts and content available through Reserved Living & Giving.
Signature Access Login
Reserved Offers
Exclusive offers to keep Reserved Clients and their families safe and engaged. Offers span across such categories as Dining, Health & Wellness, Travel, Entertainment and more.
Browse the latest offersModern Wealth Management
Digital technology is centered on how people communicate, consume, transact and travel. Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that you should take advantage of. They include:
- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
- Managing your everyday finances such as paying bills online, sending money or transferring funds
Learn more about MSO- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
- Managing your everyday finances such as paying bills online, sending money or transferring funds
Total Wealth View
We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
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.
Getting started with Total Wealth ViewThe 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.
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery. Currently, documents available through eDelivery include statements, trade confirmations and prospectuses, general correspondence, selected Internal Revenue Service (IRS) approved tax documents, syndicate offerings, shareholder communications, and portfolio reports.
Learn more about eDelivery
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.
Getting started with Digital Vault
LifeView - Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual's financial life, including investments and cash management needs. Read more about the advantages of working with our planning technology in reaching your financial goals.
Become more familiar with LifeView
Aladdin - Portfolio Risk Tool
The Portfolio Risk Platform integrates the leading risk analytics engine into Morgan Stanley Wealth Management's platform to improve the quality, transparency, and efficiency of the end to end risk management processes for the firm and our clients.
Learn more about AladdinLocation
11951 Freedom Dr
Suite 1200
Reston, VA 20190
US
Direct:
(703) 456-6003(703) 456-6003
Fax:
(703) 822-5828(703) 822-5828
Meet My Team
Steve Foki
Registered Client Service Associate
Phone:
(703) 456-6041(703) 456-6041
Luc Sebrechts
Vice President, Wealth Management, Financial Advisor, Alternative Investments Director, Portfolio Manager
Phone:
(703) 456-6052(703) 456-6052
About Samantha Grieco
Sam is a founding partner of the Athina Group. She collaborates with Paula on financial planning and investments. Sam also supports clients with their insurance needs and making the best use of Morgan Stanley’s on-line tools.
Sam attended the University of Michigan - Ann Arbor where she earned her bachelor’s degree in Communication Studies. She began her career in Financial Services in 2014 at Charles Schwab before moving to Merrill Lynch. She joined Morgan Stanley and the Athina Group in 2023. Sam’s holistic approach to wealth management mirrors Paula’s. The team’s focus includes asset protection, long and short term goals, as well as succession planning for the next generation.
Sam's passion for helping others stems from her personal experience. She learned at a young age that a stable career and income aren't always enough to achieve your financial goals. Proper planning and educated investment decisions are key factors to achieving long term stability and success.
Sam is a native of Port Washington, NY. She has lived in the DC area since 2017. Sam is active in various local organizations supporting the community and animal rescue. She enjoys traveling, cooking, and spending time outdoors with her dog, Nora.
Sam attended the University of Michigan - Ann Arbor where she earned her bachelor’s degree in Communication Studies. She began her career in Financial Services in 2014 at Charles Schwab before moving to Merrill Lynch. She joined Morgan Stanley and the Athina Group in 2023. Sam’s holistic approach to wealth management mirrors Paula’s. The team’s focus includes asset protection, long and short term goals, as well as succession planning for the next generation.
Sam's passion for helping others stems from her personal experience. She learned at a young age that a stable career and income aren't always enough to achieve your financial goals. Proper planning and educated investment decisions are key factors to achieving long term stability and success.
Sam is a native of Port Washington, NY. She has lived in the DC area since 2017. Sam is active in various local organizations supporting the community and animal rescue. She enjoys traveling, cooking, and spending time outdoors with her dog, Nora.
Securities Agent: KS, GA, MA, DC, WV, TN, WA, PA, CA, DE, UT, OR, TX, CT, MT, NC, SC, NM, WY, FL, WI, CO, NJ, MD, NV, NY, VA, VT; General Securities Representative; Investment Advisor Representative
About Steve Foki
Steve brings over twenty years of financial services experience providing a wide range of services to our clients. His responsibilities include account opening, fund transfers, retirement distributions and general account maintenance. Steve is highly adept at handling a broad range of responsibilities quickly and professionally. His passion for putting clients first and building strong client relationships led him to Morgan Stanley.
Steve earned his Bachelor of Science degree in Finance of the University of Central Florida. He has a certificate of Financial Planning from George Mason University. He currently holds the Series 7, 63, 65 licenses. A native Arlingtonian, Steve enjoys the rich culture and history of the Washington metropolitan area. He also enjoys outdoor activities including gardening, cycling, camping, backpacking, kayaking and with his friends and two adult sons, Tyler and Travis.
Steve earned his Bachelor of Science degree in Finance of the University of Central Florida. He has a certificate of Financial Planning from George Mason University. He currently holds the Series 7, 63, 65 licenses. A native Arlingtonian, Steve enjoys the rich culture and history of the Washington metropolitan area. He also enjoys outdoor activities including gardening, cycling, camping, backpacking, kayaking and with his friends and two adult sons, Tyler and Travis.
About Luc Sebrechts
Luc Sebrechts graduated from The Catholic University of America where he was awarded a Bachelor of Science in Mechanical Engineering with a focus in Thermal and Aerospace Sciences and received his Varsity letter playing baseball. He was accepted as the only Engineer to work in Parliament in London, England for The Rt Hon. Lord Cormack DL. Back in Washington, D.C, he was elected President of Catholic University’s Engineer’s Without Border Chapter. It was through his work with EWB, helping impoverished communities in Panama and Guatemala that he uncovered one of his passions: working with non-profits.
Before his transition to finance, Luc worked in robotics fabricating hardware for military contracts and coding software components. Prior to Morgan Stanley, he worked at UBS Wealth Management in Washington, DC and Edward D Jones in Bethesda, MD.
Luc serves as Chairman of The Washington Nationals Youth Baseball Academy Emerging Leader’s Board helping inner city youth.
Luc Sebrechts, Pacesetter's Club Member, 2020, 2021, 2022, 2023
Before his transition to finance, Luc worked in robotics fabricating hardware for military contracts and coding software components. Prior to Morgan Stanley, he worked at UBS Wealth Management in Washington, DC and Edward D Jones in Bethesda, MD.
Luc serves as Chairman of The Washington Nationals Youth Baseball Academy Emerging Leader’s Board helping inner city youth.
Luc Sebrechts, Pacesetter's Club Member, 2020, 2021, 2022, 2023
Securities Agent: NY, CA, WV, MN, MD, FL, AZ, WI, OH, NC, KY, GA, TX, MA, ID, HI, NV, TN, PA, OR, ND, IA, DE, WA, SC, MO, MI, IN, DC, LA, CO, PR, VA, RI, OK, NJ, IL, CT; General Securities Representative; Investment Advisor Representative
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
Article Image
Ready to start a conversation? Contact Paula Michaels today.
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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan 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.
4When 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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
7Structured 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
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Awards Disclosures
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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan 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.
4When 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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
7Structured 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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Awards Disclosures
CRC 6491812 (04/2024)
