Robert Smithline
Registered Client Service Associate
Phone:
(212) 893-6566(212) 893-6566
Philippe Crane
Senior Vice President, Wealth Management,
Financial Advisor,
Senior Portfolio Manager
Direct:
(212) 893-6402(212) 893-6402
My Mission Statement
The Skye Group is committed to growing and protecting your assets over generations with the greatest respect for your life’s work
My Story and Services
Phil has worked in financial services for over 25 years spanning 19 years at UBS before taking his position at Morgan Stanley in 2017. He graduated from Connecticut College in 1997 where he rowed on the varsity heavyweight crew. Before moving back to the United States to start his career in financial services at UBS he spent time working in Tech/Telecom distribution serving southern Europe based in Munich, Germany.
At Morgan Stanley, Phil focuses on long term wealth planning and provides portfolio management services specializing in equity covered call writing and fixed income. His client base consists of entrepreneurs, executives and their families. Phil supports various non-profits and charities ranging from ballet and classical music to classic boats.
Phil lives in Rye, NY with his family. Away from the office, Phil enjoys skiing and cycling, is an avid fisherman and sails classic yachts with friends.
At Morgan Stanley, Phil focuses on long term wealth planning and provides portfolio management services specializing in equity covered call writing and fixed income. His client base consists of entrepreneurs, executives and their families. Phil supports various non-profits and charities ranging from ballet and classical music to classic boats.
Phil lives in Rye, NY with his family. Away from the office, Phil enjoys skiing and cycling, is an avid fisherman and sails classic yachts with friends.
Services Include
- Asset Management
- Cash Management and Lending ProductsFootnote1
- CommoditiesFootnote2
- Corporate BondsFootnote3
- Executive Financial ServicesFootnote4
- Financial PlanningFootnote5
- Fixed IncomeFootnote6
- Foreign ExchangeFootnote7
- Life InsuranceFootnote8
- Municipal BondsFootnote9
- Precious MetalsFootnote10
- Stock Option PlansFootnote11
- Structured ProductsFootnote12
- Trust AccountsFootnote13
- Wealth PlanningFootnote14
Securities Agent: SC, NJ, ID, DE, OK, MA, VA, OH, CT, VT, PA, NH, CO, TX, IL, NY, MD, FL, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1834583
NMLS#: 1834583
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
WORKING WITH YOU
At Morgan Stanley, we believe that identifying financial strategies begins with a solid understanding of each client's situation, goals, objectives and risk tolerance. We follow a disciplined process that allows us to work with you to craft a strategy that can help meet your individual needs. This process aligns our efforts with your interests, proving a road map focused on what is most important to you.
1. Introduction
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals. We learn how to best keep a high degree of communication with you to make sure your concerns and requests are always addressed.
2. Discover
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing an appropriate risk tolerance and cash flow that guide you towards achieving the financial outcome you envision for yourself. This information allows us to create prospective strategies custom designed to help meet your specific needs.
3. Proposal & Implementation
Financial plan presentations map out essential factors that play into your financial success and provides a holistic asset allocation analysis for your accounts helping ensure a comprehensive financial plan. After the financial plan presentation, we will follow up with you regarding your analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits and insurance coverages. Recommended changes could include logistics, account transfer and consolidation of assets.
4. Ongoing Review
Real-time tracking will help to ensure your financial expectations are being met and working towards your desired outcomes. This will also help inform any adjustments according to evolving needs, life events, and changing market conditions.
KNOWLEDGE & RESOURCE HUB
I believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term decisions. As a result, I am committed to providing you with important information about managing your wealth more effectively in today’s global markets.
I've assembled the following tools and resources that reinforce the fundamental investment strategies and concepts of our practice. Additionally, I've provided links and hope you’ll return often to learn more about the topics that can impact your wealth.
I've assembled the following tools and resources that reinforce the fundamental investment strategies and concepts of our practice. Additionally, I've provided links and hope you’ll return often to learn more about the topics that can impact your wealth.
GIC: On The Markets
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Click Here To Learn More
Morgan Stanley's Promotional Preferred Savings Program
Make the most of your cash at a competitive rate here at Morgan Stanley.
Click Here To Learn More
CD Promotion at Morgan Stanley
Click on the link below to explore Morgan Stanley's CD Promotion, it's newest rates, and why this may be a suitable option for you.
Click Here To Learn More
Insurance Solutions
At Morgan Stanley, we offer a robust suite of insurance and annuities solutions backed by its licensed insurance agency affiliates that can aid in safeguarding you and your loved ones.
Click Here To Learn More
Morgan Stanley Private Markets (MSPM)
Private market investing enables eligible investors to access attractive companies before they are publicly available making you a part of their story. Watch this video to learn more about investing in Private Markets with Morgan Stanley and consider whether such investments might be right for you.
Watch MSPM Video
MS Reserved Living & Giving
Reserved Living & Giving is a complimentary perks program for eligible Morgan Stanley clients1 designed to provide benefits beyond traditional wealth management services. The program provides access to one-of-a-kind experiences, discounts from popular brands, curated articles from our partners and Morgan Stanley thought leaders, and philanthropic inspiration.
Click Here To Learn More
2024 Retirement Plan Contribution Limits
Take a look at the Retirement Plan Contribution Limits for 2024.
Click Here To Learn More
2024 Tax Tables
The tax decisions you make today can help you save for years to come. Access the 2024 Tax Tables now by clicking on the link below.
Click Here To Learn More
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Click Here To Learn MorePLANNING FOR YOUR FAMILY'S NEEDS
Trusts and Estate Planning
I will work closely with you to help define how you want your life's work and wealth to continue to benefit the people and causes you love and care for. We will examine your tax and estate planning to ensure that your asset allocation analysis appropriately reflects your tax and estate planning's tax features.
Philanthropy Management
Your list of charitable goals is as unique as your idea of what a better world looks like. However, choosing your goals might be difficult when there are so many deserving causes and unmet needs. I can help guide you through this process. Let's talk about how.
Executive Financial Services
I work closely with executives and working professionals to develop strategies and help navigate these situations. Together, we will review your specific plan so you can fully grasp the specifics and nuances of your situation. This will help you articulate specific goals which allows me to develop a plan to help you make the best decisions for your unique situation.
Business Succession Planning
Selling a business should be the reward for years of hard work. I work to understand your succession in the context of your overall financial picture and can help protect the connections between your personal objectives and business ambitions. I also work with your other advisors to help them understand your priorities and make certain they are reflected in your succession strategy.
Monetization Planning
Monetizing a privately held company requires seamless coordination of your personal wealth management and business monetization strategies. I can assist you at each stage of the process, highlighting key decisions, deadlines and milestones while working with your legal, tax and other advisors to help you increase value, reduce tax liabilities and integrate the proceeds of your sale into a comprehensive wealth management strategy.
Family Governance
Most families either never address their governance needs or wait until they are in a crisis—picking up the pieces afterwards—before they finally get serious about creating and implementing a robust family governance system.
WHO WE WORK WITH
Private Equity Principals
Working closely together with sophisticated clients, I am able to develop and implement a strong plan to help meet the multi-faceted challenges you may face. I am here to provide you with the supplemental experience you need to help reach your personal and professional goals so you can enjoy the wealth and lifestyle you worked so hard for.
Business Executives
I help companies' officers and key employees manage, diversify and fold their equity compensation into a comprehensive financial plan. I help you understand your equity holdings and discuss tax considerations and diversification strategies to help maximize your total compensation to reach your financial goals.
Working Professionals
Understanding your goals is an important part of our relationship. I provide valuable guidance to working professionals in developing a comprehensive financial plan to achieve your short - and long-term goals. I also offer advice on topics such as budgeting, debt management, retirement planning, investment strategies, and tax planning strategies. I can help you navigate major life changes such as starting a family, buying a home, or changing careers. My goal is to help you make informed decisions and take control of your financial future.
Intergenerational Wealth Planning
Highly-skilled accountants and estate attorneys are vital to constructing sound wealth-transfer plans, but sometimes it is the matters these experts cannot address that pose the greatest challenges. Each family is unique of course. That said, many families do share common stresses and concerns that can foster conflict.
Location
399 Park Ave 12th
Fl
New York, NY 10022
US
Direct:
(212) 893-6402(212) 893-6402
Meet My Team
About Robert Smithline
Robert Smithline is a graduate of The University of Pennsylvania with a BA in Political Science. Robert was a member of Penn’s varsity tennis team for four years. He was also a member of the Beta Theta Pi Fraternity. Robert is attracted to a career in wealth management as he feels that he can help people make impactful decisions as to the management of their wealth while forming lasting relationships with them through the process.
Robert interests include investing, business, travel, music and sports.
Robert is SIE, Series 7, Series 63 and Series 66 registered.
Robert interests include investing, business, travel, music and sports.
Robert is SIE, Series 7, Series 63 and Series 66 registered.
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
Ronia Dolabany
Associate Private Banker
Nick Ramsoondar
Planning Associate
About Ronia Dolabany
Ronia Dolabany is an Associate Private Banker serving Morgan Stanley Wealth Management offices in New York.
Associate Private Bankers partner with Private Bankers and 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.
Ronia joined Morgan Stanley in 2021 as a Wealth Management Branch Analyst serving Morgan Stanley’s Wealth Management offices in the Philadelphia Complex.
Ronia is a graduate of the Hofstra University, where she received a Bachelor of Business Administration with a concentration in International Business and a minor in Finance, as well as a Bachelor of Science in Economics with a concentration in Global Business from Dongbei University of Finance and Economics.
She lives in New York City, New York. Outside of the office, Ronia volunteers with Bridges to Community, Glasswing International, and Frutos Del Cielo, all non-profit organizations focused on improving health, education, housing, and economic development for communities globally. In her free time, she enjoys traveling, spending time with family, cooking and trying new restaurants. Ronia also enjoys playing tennis, and was the Captain of Hofstra University’s Division 1 Women’s Tennis Team.
Associate Private Bankers partner with Private Bankers and 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.
Ronia joined Morgan Stanley in 2021 as a Wealth Management Branch Analyst serving Morgan Stanley’s Wealth Management offices in the Philadelphia Complex.
Ronia is a graduate of the Hofstra University, where she received a Bachelor of Business Administration with a concentration in International Business and a minor in Finance, as well as a Bachelor of Science in Economics with a concentration in Global Business from Dongbei University of Finance and Economics.
She lives in New York City, New York. Outside of the office, Ronia volunteers with Bridges to Community, Glasswing International, and Frutos Del Cielo, all non-profit organizations focused on improving health, education, housing, and economic development for communities globally. In her free time, she enjoys traveling, spending time with family, cooking and trying new restaurants. Ronia also enjoys playing tennis, and was the Captain of Hofstra University’s Division 1 Women’s Tennis Team.
NMLS#: NMLS# 2437365
About Nick Ramsoondar
Nick Ramsoondar is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Nick provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from the University at Albany, SUNY and received the Financial Planning Specialist® designation from the College for Financial Planning. Nick is originally from New York City, NY and currently resides in New York City, NY.
He earned his undergraduate degree from the University at Albany, SUNY and received the Financial Planning Specialist® designation from the College for Financial Planning. Nick is originally from New York City, NY and currently resides in New York City, NY.
Wealth Management
Global Investment Office
Portfolio Insights
Ready to start a conversation? Contact Philippe Crane today.
1Morgan 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
2Investing in commodities entails significant risks. The commodities markets may fluctuate widely based on a variety of factors including changes in supply and demand relationships; governmental programs and policies; national and international political and economic events; war and terrorist events; changes in interest and exchange rates; trading activities in commodities and related contracts; pestilence; weather; technological change; and, the price volatility of a commodity. In addition, the commodities markets are subject to temporary distortions or other disruptions due to various factors, including lack of liquidity, participation of speculators and government intervention.
3Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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.
5Morgan 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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7GlobalCurrency is available to clients of Morgan Stanley Smith Barney LLC with an eligible brokerage account. Before undertaking foreign exchange transactions, clients should understand the associated risks.
Engaging in foreign currency transactions entails more varied risks than normally associated with transactions in the domestic securities markets. Attention should be paid to market, credit, sovereign, and liquidity risks. The foreign exchange transactions and deposits discussed in this material may not be appropriate for all clients. The appropriateness of a particular investment or strategy depends upon a client’s particular circumstances and objectives. This material does not provide individually tailored investment advice.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
10Physical precious metals are non-regulated products. Precious metals are speculative investments, which may experience short-term and long-term price volatility. The value of precious metals investments may fluctuate and may appreciate or decline, depending on market conditions. If sold in a declining market, the price you receive may be less than your original investment. Unlike bonds and stocks, precious metals do not make interest or dividend payments. Therefore, precious metals may not be appropriate for investors who require current income. Precious metals are commodities that should be safely stored, which may impose additional costs on the investor. The Securities Investor Protection Corporation (“SIPC”) provides certain protection for customers’ cash and securities in the event of a brokerage firm’s bankruptcy, other financial difficulties, or if customers’ assets are missing. SIPC protection does not apply to precious metals or other commodities.
11Morgan 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.
12Structured 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.
13Morgan 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.
14Morgan 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.
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
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
2Investing in commodities entails significant risks. The commodities markets may fluctuate widely based on a variety of factors including changes in supply and demand relationships; governmental programs and policies; national and international political and economic events; war and terrorist events; changes in interest and exchange rates; trading activities in commodities and related contracts; pestilence; weather; technological change; and, the price volatility of a commodity. In addition, the commodities markets are subject to temporary distortions or other disruptions due to various factors, including lack of liquidity, participation of speculators and government intervention.
3Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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.
5Morgan 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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7GlobalCurrency is available to clients of Morgan Stanley Smith Barney LLC with an eligible brokerage account. Before undertaking foreign exchange transactions, clients should understand the associated risks.
Engaging in foreign currency transactions entails more varied risks than normally associated with transactions in the domestic securities markets. Attention should be paid to market, credit, sovereign, and liquidity risks. The foreign exchange transactions and deposits discussed in this material may not be appropriate for all clients. The appropriateness of a particular investment or strategy depends upon a client’s particular circumstances and objectives. This material does not provide individually tailored investment advice.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
10Physical precious metals are non-regulated products. Precious metals are speculative investments, which may experience short-term and long-term price volatility. The value of precious metals investments may fluctuate and may appreciate or decline, depending on market conditions. If sold in a declining market, the price you receive may be less than your original investment. Unlike bonds and stocks, precious metals do not make interest or dividend payments. Therefore, precious metals may not be appropriate for investors who require current income. Precious metals are commodities that should be safely stored, which may impose additional costs on the investor. The Securities Investor Protection Corporation (“SIPC”) provides certain protection for customers’ cash and securities in the event of a brokerage firm’s bankruptcy, other financial difficulties, or if customers’ assets are missing. SIPC protection does not apply to precious metals or other commodities.
11Morgan 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.
12Structured 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.
13Morgan 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.
14Morgan 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.
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)