Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director, Insurance Planning Director
Phone:
(813) 227-2024(813) 227-2024
The Phronesis Group at Morgan Stanley
Direct:
(813) 228-9888(813) 228-9888
Toll-Free:
(800) 282-0655(800) 282-0655
Our Mission Statement
To live up to our name by providing you with practical wisdom that makes a difference in your financial life.
Our Story and Services
At Phronesis Group, we understand that managing finances and investing can be a complicated process. That's why we're committed to helping people pursue their financial goals, while also alleviating financial stress along the way. Backed by the vast resources of Morgan Stanley, we're able to offer customized planning and investment solutions for every client. We have been working with individuals and businesses since 2006, and while we have a lot of priorities; service is first and foremost. We focus on understanding you, helping you accomplish your goals and maximize your wealth, not only for the current generation, but the next one as well.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Comprehensive Advising
Managing your finances is a lifelong endeavor and we are here to help you manage your wealth effectively every step of the way. We use our experience and relationships to deliver in-depth strategies tailored to your goals and needs.
Wealth Management
Gaining a deep understanding of your financial and personal life is the cornerstone of our wealth management approach. We take time to understand you, your family, your career, your legacy goals, and your values to develop a unique comprehensive wealth management strategy.
Click Here to Learn More
Tax Management
We know that tax efficient investing is a top priority for all investors. We are here to help you with all aspects of tax management, doing a thorough review of all our clients' finances in order to optimize your strategy. By collaborating with your CPA, we can aid you in tax loss harvesting, tax-aware asset location, tax favorable investment options, and liquidity during tax time.
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Retirement Planning
We strive to offer our clients thoughtful advising well into retirement. We take a comprehensive approach to your retirement plan, helping you with your IRAs, RMDs, and more, helping you transition into retirement with security and confidence.
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401(K) Rollovers
We can aid you in consolidating your assets in one account from a 401(K) you may have from a previous job. This simplifies the monitoring of your progress and investment results, helping your money work harder for you.
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Estate Planning Strategies
One of the most integral aspects of creating a long term financial plan is considering an estate for the next generation or charitable donations. We collaborate with you estate and tax professionals to understand your legacy goals to develop a plan that includes appropriate asset titling and beneficiary designation requirements.
Planning For Education Funding
An integral aspect of a long term financial plan is helping meet the costs of education for your children and grandchildren. We help you develop strategies and offer investment recommendations to ensure the next generation of your family gets the education they need.
Cash Management and Lending Solutions
We are here to help with every aspect of your financial life and offer a variety of cash management and lending solutions that can complement your investment strategy.
Click Here to Learn More
Business Succession Strategies
Owning your own Business represents your life's hard work and is one of life's biggest achievements, because of this, having a robust succession plan in place is essential for all business owners. We help you navigate the complexities of business succession, and help put it in the context of your overall financial picture. By collaborating with your other advisors we can help ensure your priorities are reflected in your succession strategy.
Life Insurance
It is important to prepare for the many risks you may face throughout your life. We can help protect your financial plan from outside risks through the use of multiple strategies, ranging from insurance reviews to liquidity strategies. We offer a variety of insurance types to meet your specific needs including life, term, annuities, and long-term care insurance.
Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
Morgan Stanley Alternative Investments
CFP® – Certified Financial Planner™ (Vanessa Garl)
The Certified Financial Planner™ designation is awarded to candidates who have demonstrated skilled focus in the areas of Education, Investment, Tax, Retirement, Estate and Insurance planning. CFP® professionals must accrue several years of experience related to delivering financial planning services to clients and pass a comprehensive exam before calling themselves a CFP® Professional and are held to strict ethical standards to ensure financial planning recommendations are in the best interest of their clients.
CFA - Chartered Financial Analyst (John Webermeier)
A globally recognized professional designation that measures and certifies the competence and integrity of financial analysts. Candidates are required to pass three levels of exams covering areas such as accounting, economics, ethics, money management and security analysis. CFA charter holders wield an extensive body of knowledge in investing and global financial markets, placing clients’ interests above their own, dedicating themselves to achieving the best outcomes for investors. Fewer than 1 in 5 candidates successfully complete all three levels of the CFA Program.
2023 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21– 3/31/22.
Vanessa Garl- 2023 & 2024 Forbes Top Women Wealth Advisors Best-In-State
Source: Forbes.com (Awarded Feb 2024) Data compiled by SHOOK Research LLC for the period 9/30/22 - 9/30/23.
Source: Forbes.com (Awarded Feb 2023) Data compiled by SHOOK Research LLC based on time period from 9/30/21 - 9/30/22.
Source: Forbes.com (Awarded Feb 2023) Data compiled by SHOOK Research LLC based on time period from 9/30/21 - 9/30/22.
Vanessa Garl- 2022 Forbes Top Next-Gen Wealth Advisors Best-In-State Ranking
Source: Forbes.com (Awarded Aug 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21 - 3/31/22.
Vanessa Garl- 2020 Working Mother & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded Oct 2020) Data compiled by SHOOK Research LLC based on time period from 3/31/19 - 3/31/20.
Timely Resources for our valued clients
We believe financial education can lead to better insights into our investment strategy and discipline, and better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
We've assembled the following tools and resources that reinforce the fundamental investment strategies and concepts of our practice. Additionally, we've provided links and hope you’ll return often to learn more about the topics that can impact your wealth.
We've assembled the following tools and resources that reinforce the fundamental investment strategies and concepts of our practice. Additionally, we'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
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Click Here to Learn More
Financial Literacy for Any Stage of Your Life
Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. No matter your current priorities, a strong financial literacy foundation can help you meet your goals.
Click Here to Learn More
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Click Here to Learn More
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
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.
Location
100 N Tampa St
Ste 3000
Tampa, FL 33602
US
Direct:
(813) 228-9888(813) 228-9888
Toll-Free:
(800) 282-0655(800) 282-0655
Meet The Phronesis Group
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(813) 227-2158(813) 227-2158
Erin Brazzoni
Senior Registered Client Service Associate
Phone:
(813) 227-2131(813) 227-2131
About Vanessa Garl, CFP®
Vanessa is convinced that financial planning is critical to the success of her client relationships. “You can’t move forward without knowing where you are and where you hope to go someday,” she asserts. And to help her clients pursue their goals with greater effectiveness, Vanessa begins each of her client relationships with a plan that encompasses not only their investments, but virtually every aspect of their financial lives.
A native Floridian who grew up outside Tampa, Vanessa majored in Finance at The University of South Florida and began her career in 2006 at Ameriprise Financial. There, she built a successful practice and sharpened her focus on planning as a way to provide clients with more personalized guidance. “It simply made more sense to me to find out what my clients need their investments for, than to label them conservative, moderate or aggressive investors,” she says.
In 2010, Vanessa joined Morgan Stanley and earned the prestigious Certified Financial Planner designation. Today, she helps clients understand how much they are spending, as well as how much they are investing, and what they will require to retire as planned or meet other important financial goals. She then develops a plan with tangible recommendations to help them arrive at their financial destination. Vanessa’s personalized, planning-based approach has earned her accolades from Forbes, which named her on its 2018 list of America’s Next-Gen Advisors and 2019 list of Best-in-State Next-Gen Wealth Advisors and from Working Mother Magazine, which ranked her on its Top Wealth Advisor Moms in 2020.
A fitness enthusiast and a major Tampa Bay sports fan, Vanessa is an active member of her community. She volunteers regularly at her children’s school, tutoring their classmates in reading and chairing a major fundraising event involving a 5k run in which she participates. She and her two children also volunteer at Feeding Tampa Bay, a local food bank.
Vanessa resides with her two children in New Tampa.
"Forbes Top Next-Gen Wealth Advisors
Source: Forbes.com (Awarded June 2019) Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19.
"
"Forbes Top 1,000 Next Gen Wealth Advisors
Source: Forbes.com (Awarded Jul 2018) Data compiled by SHOOK Research LLC based on time period from 3/31/17 - 3/31/18.
"
"Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded Oct 2020) Data compiled by SHOOK Research LLC based on time period from 3/31/19 - 3/31/20.
"
A native Floridian who grew up outside Tampa, Vanessa majored in Finance at The University of South Florida and began her career in 2006 at Ameriprise Financial. There, she built a successful practice and sharpened her focus on planning as a way to provide clients with more personalized guidance. “It simply made more sense to me to find out what my clients need their investments for, than to label them conservative, moderate or aggressive investors,” she says.
In 2010, Vanessa joined Morgan Stanley and earned the prestigious Certified Financial Planner designation. Today, she helps clients understand how much they are spending, as well as how much they are investing, and what they will require to retire as planned or meet other important financial goals. She then develops a plan with tangible recommendations to help them arrive at their financial destination. Vanessa’s personalized, planning-based approach has earned her accolades from Forbes, which named her on its 2018 list of America’s Next-Gen Advisors and 2019 list of Best-in-State Next-Gen Wealth Advisors and from Working Mother Magazine, which ranked her on its Top Wealth Advisor Moms in 2020.
A fitness enthusiast and a major Tampa Bay sports fan, Vanessa is an active member of her community. She volunteers regularly at her children’s school, tutoring their classmates in reading and chairing a major fundraising event involving a 5k run in which she participates. She and her two children also volunteer at Feeding Tampa Bay, a local food bank.
Vanessa resides with her two children in New Tampa.
"Forbes Top Next-Gen Wealth Advisors
Source: Forbes.com (Awarded June 2019) Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19.
"
"Forbes Top 1,000 Next Gen Wealth Advisors
Source: Forbes.com (Awarded Jul 2018) Data compiled by SHOOK Research LLC based on time period from 3/31/17 - 3/31/18.
"
"Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded Oct 2020) Data compiled by SHOOK Research LLC based on time period from 3/31/19 - 3/31/20.
"
Securities Agent: CA, WV, SC, MS, GA, FL, SD, NJ, KY, ID, DC, WY, WA, UT, ND, LA, OH, IA, AK, VT, NE, MO, CO, VA, NV, KS, WI, OR, NY, MN, ME, MD, HI, AZ, AL, TX, RI, NM, MI, IN, AR, PR, PA, NC, DE, TN, OK, NH, MA, IL, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1282592
NMLS#: 1282592
About John Webermeier
Born in Estes Park, Colorado, John came to Florida as a student at The University of Florida. After receiving his degree in accounting, he decided to stay and begin his career at Ameriprise Financial. His tenure there began a month before the great recession of 2007-2009, and the experience during that trying time proved to be invaluable. In 2010, he joined Morgan Stanley as a Financial Advisor, where he earned his Chartered Financial Analyst designation, and has become a Morgan Stanley-credentialed Senior Portfolio Manager.
John loves his adopted community almost as much as he enjoys managing portfolios and serving as a trusted source of counsel for his clients. He is active in Junior Achievement and previously served on the board of Beta Theta Pi, his college fraternity. When not advising clients, he can often be found roughhousing with his silver lab, Goose, and rooting for the Florida Gators.
John loves his adopted community almost as much as he enjoys managing portfolios and serving as a trusted source of counsel for his clients. He is active in Junior Achievement and previously served on the board of Beta Theta Pi, his college fraternity. When not advising clients, he can often be found roughhousing with his silver lab, Goose, and rooting for the Florida Gators.
Securities Agent: VT, UT, NC, VA, OR, AZ, ND, IA, AR, ME, MD, CA, WY, RI, MO, MI, CO, PA, OK, IL, WA, TX, NJ, MA, IN, GA, MN, KY, FL, DE, WI, TN, SD, SC, NV, MS, AL, OH, LA, DC, WV, NY, NM, CT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282480
CA Insurance License #: 0H28116
AR Insurance License #: 9393785
NMLS#: 1282480
CA Insurance License #: 0H28116
AR Insurance License #: 9393785
About Erin Brazzoni
Erin began her career in Financial Services at Smith Barney in Chicago, in 2003, where she supported one of the top teams in the country. In 2007 she left the firm, and country, to move to Italy where she met her husband Francesco. In 2014 they made the decision to come back to the United States with their two young sons and she rejoined the firm at Morgan Stanly Virtual Advisors. In 2018 we asked her to join us as we started Phronesis Group. When return to work began last year, she made the difficult decision to move firms to help support her family in a work from home environment. What a different a year makes, with her now middle school and high school aged sons thriving she reached out to let us know she was ready to come back. We couldn’t be more excited and pleased to have her coming back to work with you. She will act as your primary point of contact for all things related to contributions/distributions, account updates, scheduling and so much more.
Contact Vanessa Garl, CFP®
Contact John Webermeier
Wealth Management
Global Investment Office
Portfolio Insights
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Phronesis Group 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.
2When 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.
3Morgan 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.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
8When 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.
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
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
2When 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.
3Morgan 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.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
8When 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.
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
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)
