Christine Mania
Portfolio Associate, Senior Registered Client Service Associate
Phone:
(732) 505-4712(732) 505-4712
Philip Yellovich
Senior Vice President,
Financial Advisor,
Portfolio Management Director
Direct:
(732) 505-4709(732) 505-4709
Toll-Free:
(800) 676-0996(800) 676-0996
My Mission Statement
Understanding what matters most to you- whether it is family, your bucket list or your legacy. Identifying the intersection of those goals and the variables we can control. To provide "Big Picture" planning, then adding the necessary pieces to your puzzle, as your needs change and your life unfolds.
About Us
The most gratifying part of my 30 plus years as an advisor is seeing an individual client become a multi-generational relationship. I have had the pleasure of stewarding relationships across multiple generations of a select group of families. Managing wealth is far more than simply directing your investments. It begins with a holistic understanding of who you are and the financial forces in your life. It is helping you invest your assets in a way that reflects the life you live, and the uniqueness of your goals. Our clients choose us because we have a genuine interest in their success. For us, it’s about building long-term relationships and seeing long-term financial goals transform into missions accomplished.
Services Include
- Financial PlanningFootnote1
- Professional Portfolio ManagementFootnote2
- Qualified Retirement PlansFootnote3
- Business Succession PlanningFootnote4
- Retirement PlanningFootnote5
- 401(k) Rollovers
- Estate Planning StrategiesFootnote6
- Access to Lending Services
- Education Planning
- Insurance ServicesFootnote7
- Long Term Care InsuranceFootnote8
- Planning for Individuals with Special Needs
- Cash ManagementFootnote9
- AnnuitiesFootnote10
Securities Agent: CO, TX, NV, VA, NJ, MD, HI, FL, DE, UT, PA, SC, MA, NY, OR, NC, MI, CT, WA, MO, MN, AZ, OH, GA, CA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1255475
NMLS#: 1255475
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheckLink Opens in New Tab.*
Our Clients
Our typical clients are business owners, professionals and retirees who among other things aspire to live a worry-free, work optional lifestyle. They have adopted our process, a process developed and refined throughout my career, that puts every piece of their financial puzzle together as their lives evolve. We never lose sight of what is most important to them and their families.
In addition to working with individuals, we have assisted with Corporate Retirement Plans since the early days of my career. We are experienced working with SIMPLE IRA Plans, 403(b) Plans, 401(k) Plans as well as customized Retirement Plans, like Cash Balance Plans. Our clients have included start up plans as well as established multi-million dollars plans.
In addition to working with individuals, we have assisted with Corporate Retirement Plans since the early days of my career. We are experienced working with SIMPLE IRA Plans, 403(b) Plans, 401(k) Plans as well as customized Retirement Plans, like Cash Balance Plans. Our clients have included start up plans as well as established multi-million dollars plans.
Our Process: Focused on You
Charting a clear, confident course to financial success begins with understanding your values, priorities and aspirations. Working together, we define what is important to you and develop the solutions to help get you there.
Step 1: Introductions/Referrals
When a potential client is introduced to the practice we have an initial discussion to assure that all parties feel there is a good fit between their needs and our process. We mutually agree to move forward and the engagement begins.
Step 2: Discovery Process
We take the time to fully understand you and your family- Whether you’re planning for retirement, educating your children or grandchildren, purchasing a home, or living out your golden years. We never lose sight of the things that matter to you and the variables we can control.
Step 3: Your Plan
By using a panoramic view of your financial situation and life goals we craft a plan that addresses your unique journey. Through collaboration with the resources of Morgan Stanley we create a strategy which maps a clear path to achieving success.
Step 4: Action Items/Next Steps
With your plan as our compass, we identify the next steps and a time line for addressing these your goals. We formulate an action plan specific to these goals and begin to systematically work through them.
Step 5: Implementation
We use the full spectrum of solutions provided through Morgan Stanley. As a Senior Portfolio Manager, I am qualified to manage the day-to-day portfolio decisions based on your unique situation, where appropriate. Through our team you also tap into the vast resources of our firm, which includes a team of specialists.
Step 6: Monitoring and On-going Service
We deploy a proactive contact plan tailored to your needs. We are communicating with you regularly to better understand your evolving needs and objectives. Our check in calls typically include hearing about you and your family. We share our opinions on markets, our outlook and the resulting impact to your plan and portfolios. We will review your plan annually because we know your life will evolve and your goals may change. Tactically adjusting the plan to your changing needs is part of our process.
My Family
Born and raised in New Jersey, my family moved to Ocean County over 40 years ago, just prior to my starting High School. My love of the shore area kept me close to home for college. I attended Monmouth College, now University, were I studied Business and played baseball.
I began my career in 1989 when I was hired as the apprentice to the Office manager of Toms River’s branch of Merrill Lynch. In 1995, I married my wife, Donna and we moved to Toms River, so I could be actively involved in raising our family. We were blessed with a son, Lex. He is currently pursuing a career in Broadcasting.
Our family enjoys traveling together, spending days at the beach, and mixing in a few rounds of golf. Coaching and now playing basketball with Lex, are some of the most prized experiences of my life. I can also be found singing with a local band from time-to-time.
I have coached youth sports since the mid-90's. I am a board member for our local youth Basketball league, TRBA. I believe that the foundations of teamwork and hard work I learned through sports, helped me create a rewarding career and wonderful life. Coaching is just one way of giving back. We regularly contribute to the V Foundation, for cancer research, and the Stephen Siller Tunnel to Towers Foundation, which builds homes for service veterans. Locally we are active in Bulldog rescue efforts.
I began my career in 1989 when I was hired as the apprentice to the Office manager of Toms River’s branch of Merrill Lynch. In 1995, I married my wife, Donna and we moved to Toms River, so I could be actively involved in raising our family. We were blessed with a son, Lex. He is currently pursuing a career in Broadcasting.
Our family enjoys traveling together, spending days at the beach, and mixing in a few rounds of golf. Coaching and now playing basketball with Lex, are some of the most prized experiences of my life. I can also be found singing with a local band from time-to-time.
I have coached youth sports since the mid-90's. I am a board member for our local youth Basketball league, TRBA. I believe that the foundations of teamwork and hard work I learned through sports, helped me create a rewarding career and wonderful life. Coaching is just one way of giving back. We regularly contribute to the V Foundation, for cancer research, and the Stephen Siller Tunnel to Towers Foundation, which builds homes for service veterans. Locally we are active in Bulldog rescue efforts.
Value Added Services
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice. We've provided links to these materials, where available, and hope you'll return often to learn more about the topics that impact your overall wealth.
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
MS Reserved Living & Giving
As a Reserved Living & Giving member, you will have access to exclusive partner offers and discounts, as well as thought leadership content on a variety of lifestyle and personal finance topics.
Learn More About MS Reserved
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.
Learn More About Digital Vault
On The Markets Research Reports
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
On The Markets Research Reports
Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Global Investment Committee Weekly Research Report
Philanthropic Planning
Your set of Philanthropic objectives is as personal as your vision of a better world. Determining your objectives however, can be challenging when there are so many worthy causes and so many unmet needs.
Philanthropic Planning
Tax-Efficient Investing
Tax-efficient investing techniques may help you lower your tax burden and increase your long-term wealth.
Tax-Efficient Investing
Qualified Plan Financial Consultant
I am honored to earn the badge from National Association of Plan Advisors (NAPA) for Qualified Plan Financial Consultant (QPFC). I am committed to assisting individuals achieve their retirement plan goals. Let's discuss how I can deliver the resources of Morgan Stanley to develop turnkey solutions for you and your loved ones.
Location
1433 Hooper Ave
Toms River, NJ 08753
US
Direct:
(732) 505-4709(732) 505-4709
Toll-Free:
(800) 676-0996(800) 676-0996
Fax:
(732) 505-4737(732) 505-4737
Meet My Team
About Christine Mania
I attended Taylor Business Institute after graduating High School in 1984 which pointed me in the direction of Finance. I was sent on an interview, hired and have been involved in this business ever since. I started when the firm was Dean Witter Reynolds, Inc. now known as Morgan Stanley. I did leave for a few years to raise my two children and came back to continue my career.
My husband is a bilateral lung transplant recipient since September of 2013, with many ups and downs, we take every day as a gift. This journey we have been on led us to meeting the donor family and got to know who my husband's donor was and have since then, been in touch and have hosted walks in her honor.
I love speaking with and assisting clients with all their operational requests as well as helping them with life changes that pertain to their Morgan Stanley accounts to make any transition done with ease and run smoothly for them. It helps to be personable and know their lifestyle and understand who they are and help them achieve their goals as well as getting to know them personally.
My husband is a bilateral lung transplant recipient since September of 2013, with many ups and downs, we take every day as a gift. This journey we have been on led us to meeting the donor family and got to know who my husband's donor was and have since then, been in touch and have hosted walks in her honor.
I love speaking with and assisting clients with all their operational requests as well as helping them with life changes that pertain to their Morgan Stanley accounts to make any transition done with ease and run smoothly for them. It helps to be personable and know their lifestyle and understand who they are and help them achieve their goals as well as getting to know them personally.
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
Anthony Viskovic
Private Banker
About Anthony Viskovic
Anthony Viskovic is a Private Banker serving Morgan Stanley Wealth Management offices in New Jersey.
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.
Anthony began his career in financial services in 2004, and joined Morgan Stanley in 2010 as a Regional Lending Advisor. Prior to joining the firm, he was an Internal Banking Consultant at UBS Financial Services.
Anthony is a graduate of Rutgers University, where he received a Bachelor of Arts Degree in Economics. He lives in Ocean, New Jersey with his family. Outside of the office, Anthony enjoys being active, cooking, 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.
Anthony began his career in financial services in 2004, and joined Morgan Stanley in 2010 as a Regional Lending Advisor. Prior to joining the firm, he was an Internal Banking Consultant at UBS Financial Services.
Anthony is a graduate of Rutgers University, where he received a Bachelor of Arts Degree in Economics. He lives in Ocean, New Jersey with his family. Outside of the office, Anthony enjoys being active, cooking, traveling and spending time with his family.
NMLS#: 1427370
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?Link Opens in New Tab
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
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
Ready to start a conversation? Contact Philip Yellovich today.
1Morgan 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.
2Morgan 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.
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 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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
10Annuities 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.
*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 DisclosuresLink Opens in New Tab
2Morgan 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.
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 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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
10Annuities 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.
*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.
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CRC 6491812 (04/2024)
