Philip Plotnick
Senior Vice President, Financial Advisor
Phone:
(610) 260-7516(610) 260-7516
Plotnick Forman Group at Morgan Stanley
Our Mission Statement
To provide objective, high quality financial advice to empower you with a level confidence, so you can spend less time worrying about your finances and more time doing those things that matter to you most
2024 Forbes Best-In-State Wealth Management Teams
We believe true wealth is not only about money; it’s also about your life and loved ones. Whether you’re a business owner balancing family and career, newly married or going through a divorce, transitioning from a bustling career to retirement, managing the care of an adult parent or sending a child to college; we are here to help you navigate all of life’s twists and turns. These vital elements of your life need to be at the heart of your wealth management plan.
With a combined industry experience of over 100 years, we have been helping financially successful individuals, businesses, foundations and retirement plans achieve their goals. Our awards and recognitions speak for themselves. Our team was recognized for 2024 Forbes Best-In-State Wealth Management Teams. We know that every client’s circumstances and resources are unique and require a personalized approach. So our goal is to develop strategy that continuously aligns with our client’s goals and values by creating custom-tailored financial plans and investment strategy.
With an emphasis on customer service and communication, we are dedicated to helping you understand your total financial picture. Our mission is simple: To provide objective, high quality financial advice to empower you with a level confidence, so you can spend less time worrying about your finances and more time doing those things that matter to you most.
Getting started is easy and it begins with a conversation. We look forward to speaking with you soon.
2020 & 2021 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State(formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2020 & 2021). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
2024 Forbes Best-In-State Wealth Management Teams
"Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/23. "
With a combined industry experience of over 100 years, we have been helping financially successful individuals, businesses, foundations and retirement plans achieve their goals. Our awards and recognitions speak for themselves. Our team was recognized for 2024 Forbes Best-In-State Wealth Management Teams. We know that every client’s circumstances and resources are unique and require a personalized approach. So our goal is to develop strategy that continuously aligns with our client’s goals and values by creating custom-tailored financial plans and investment strategy.
With an emphasis on customer service and communication, we are dedicated to helping you understand your total financial picture. Our mission is simple: To provide objective, high quality financial advice to empower you with a level confidence, so you can spend less time worrying about your finances and more time doing those things that matter to you most.
Getting started is easy and it begins with a conversation. We look forward to speaking with you soon.
2020 & 2021 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State(formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2020 & 2021). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
2024 Forbes Best-In-State Wealth Management Teams
"Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/23. "
Services Include
- Professional Portfolio ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Business PlanningFootnote4
- Planning for Education FundingFootnote5
- Planning for Individuals with Special Needs
- Sustainable InvestingFootnote6
- Endowments and FoundationsFootnote7
- Philanthropic ManagementFootnote8
- Estate Planning StrategiesFootnote9
- Life InsuranceFootnote10
- Long-term Care InsuranceFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process: Financial Planning Strategy
Your financial future-begins with an in-depth conversation about you-your family, your goals and, most importantly, your vision of the future. Using the breadth of resources that Morgan Stanley has to offer. We use the firms tools and our experience, to construct your portfolio and closely monitor it. We can and will make adjustments whenever necessary to keep it aligned with your future aspirations even as they change. We want to ensure you're agreeable with any change before enacting it. Take a look at our process.
Starting the Conversation
At the heart of our relationship, we use a holistic approach to financial planning that places your lifestyle, family, and long-term financial goals at the center of our strategy. We want a clear understanding of where you stand in order to develop the right plan. Our aim is to provide you with confidence and the environment to always take the approach you see fit.
A Teams Approach
After our initial meeting, we will develop a tailored wealth management strategy that is centered around your unique circumstances. We believe you are entitled to the best advice possible. As a result, we have aligned ourselves with a group of highly skilled professionals whose number one priority is you. We work in tandem with your accountant, tax preparer and attorney to gain the precise knowledge needed to help you effectively manage all aspects of your wealth.
Construction of a Personalized Plan
Through a fully customized approach, we assist you in determining the appropriate asset allocation and investment strategy that can help reach your goals. We consider your current situation, long-term goals, legal and regulatory constraints, liquidity needs, expected tax status, risk and other variables towards the construction of your portfolio.
Excellence in Service
We take pride in our ability to provide exceptional support to you as we implement your new plan. Our staff stands ready to deliver guidance and support no matter what your situation is. We provide the personalized service you would expect from a small investment boutique along with the resources of a major global firm. Your satisfaction is our priority. When it comes to service, we go above and beyond the basics. No matter how simple or how complex your needs, we are always here to help.
Staying Informed
As part of our process, we offer periodic review meetings to assess and rebalance your portfolio in accordance with your stated goals. Staying on your roadmap is our goal, but we understand how life changes, new goals arise and external factors can play a role in changing the conversation. It is our job to keep you informed, understanding the changes to your world and monitor your situation. We take the time to ensure you understand all of your options and how each impacts your overall plan.
Investor Resources
Leadership and portfolio ideas to help your investment decisions.
GIC On The Markets
Latest edition of "On the Markets". A collection of timely research and strategy from Morgan Stanley Wealth Management and external partners.
GIC On The Markets
GIC Weekly Research Report
Weekly GIC about the markets, asset class performance, and fixed income
GIC Weekly Research Report
Thoughts on the Market Podcast
Gain insights in the market dynamics by engaging with Mike Wilson Chief Invest Officer at Morgan Stanley. Join him and his colleagues in a discussion, where a multitude of viewpoints pertaining to current trends in the financial marketplace will be explored.
Thoughts on the Market Podcast
Alternative Investments
Our leading alternatives platform offers 160+ 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 InvestmentsCLIENT RESOURCES
Our goal is to leverage cutting-edge technology and deliver customized wealth management strategies to our clients and their families to help enable them to achieve their goals. Morgan Stanley and our team strive to ensure our clients are served on market-leading technology platforms that are resilient, safe, efficient, smart, fast, and flexible. Please explore the resources below to get a bigger picture of what the firm provides.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
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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.
Learn More
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
Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our award winning tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth Management
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk Platform
Security Center
Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
Visit our Security CenterUpcoming Firm Events
We hope you will join us for this upcoming event.
U.S. Policy Pulse: Trump 2.0 and the Markets
DATE: February 25, 2025 at 4:15 p.m. ETJoin Morgan Stanley Wealth Management Chief Investment Officer, Lisa Shalett, on Tuesday, February 25, for a conversation with Chief Economic Strategist and Global Head of Thematic and Macro Investing, Ellen Zentner, and Head of U.S. Public Policy, Monica Guerra, on the top policy and regulatory actions that could impact investors in the months ahead.
CRC4192005 02/2025
Online
Location
One Tower Bridge, 100 Front Street
Suite 600
West Conshohocken, PA 19428
US
Direct:
(610) 260-7518(610) 260-7518
Meet Plotnick Forman Group
Phone:
(610) 260-7517(610) 260-7517
Phone:
(610) 260-7063(610) 260-7063
Roseann Giafaglione
Senior Client Service Associate
Phone:
(610) 260-7518(610) 260-7518
Jaclyn Drobny, CFP®
Financial Planning Analyst
Phone:
(610) 260-7519(610) 260-7519
About Me
Philip is a highly experienced financial professional with more than 37 years of industry experience. He started his career in at Morgan Stanley in 1985. Prior to returning to the firm in 2022, Phil served as a Senior Vice President at UBS Financial Services Inc., in the company’s Conshohocken, Pa., branch.
Among the many services that he offers, Phil helps clients build a financial roadmap with personalized investment strategies and holistic financial planning. As a portfolio manager, he creates comprehensive investment models by investing in both equities and fixed-income securities.
Philip is a graduate of Penn State University, where he studied Finance and Accounting. He is an active member of his local community, having served in various leadership positions with the National MS Society, Golden Slipper, Friends of Children’s Hospital and Legacy Youth Tennis and Education.
Phil and his wife Jill reside in Lafayette Hill, PA. They enjoy spending time at the beach with their two adult sons Ben and Zack.
Among the many services that he offers, Phil helps clients build a financial roadmap with personalized investment strategies and holistic financial planning. As a portfolio manager, he creates comprehensive investment models by investing in both equities and fixed-income securities.
Philip is a graduate of Penn State University, where he studied Finance and Accounting. He is an active member of his local community, having served in various leadership positions with the National MS Society, Golden Slipper, Friends of Children’s Hospital and Legacy Youth Tennis and Education.
Phil and his wife Jill reside in Lafayette Hill, PA. They enjoy spending time at the beach with their two adult sons Ben and Zack.
Securities Agent: SC, NV, WA, OR, NM, DE, TN, NH, NC, IL, MN, GA, AZ, MO, FL, CT, CO, VA, PA, OH, MI, DC, NJ, ME, CA, MA, NY, MD; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2337388
NMLS#: 2337388
About Me
Daniel is a seasoned investment professional with more than 25 years of experience in financial services. Prior to returning to Morgan Stanley in 2022 -- he previously worked at the firm from 1996-2008, Daniel served as a Senior Vice President – Wealth Management at UBS Financial Services Inc.
Daniel’s key areas of focus include financial planning, closely held small businesses and intergenerational family planning. As a portfolio manager, Daniel conducts investment research to implement in the team’s customized asset allocation strategies. Additionally, he is responsible for the design and operation of the group’s retirement plans.
In 2017, Daniel earned the highly regarded Chartered Retirement Plans Specialist (CRPS®) designation, awarded by the College for Financial Planning. He is a graduate of the University of Vermont and holds a degree in Finance.
Active in his local community, Daniel previously served as a board member of the Parkinson’s Foundation of Philadelphia and the Police Athletic League. He and his wife Lauren live in Wayne, Pa., with their children, Leslie and William.
Daniel’s key areas of focus include financial planning, closely held small businesses and intergenerational family planning. As a portfolio manager, Daniel conducts investment research to implement in the team’s customized asset allocation strategies. Additionally, he is responsible for the design and operation of the group’s retirement plans.
In 2017, Daniel earned the highly regarded Chartered Retirement Plans Specialist (CRPS®) designation, awarded by the College for Financial Planning. He is a graduate of the University of Vermont and holds a degree in Finance.
Active in his local community, Daniel previously served as a board member of the Parkinson’s Foundation of Philadelphia and the Police Athletic League. He and his wife Lauren live in Wayne, Pa., with their children, Leslie and William.
Securities Agent: DE, VA, OR, FL, AZ, SC, MO, MI, ME, PA, NC, MN, MD, CT, NM, DC, WA, TN, NY, NV, CA, OH, CO, MA, IL, GA, NJ, NH; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2402415
NMLS#: 2402415
About John Giapoutzis
As a Financial Advisor at Morgan Stanley John helps his clients achieve their financial goals. He assists them with their children’s education, retirement and investments. John also helps them minimize estate taxes and preserve their assets by implementing the right trusts and wills. Over time people realize that they have found a professional advisor.
John is a graduate from Rutgers, the State University of New Jersey, with a Bachelor’s Degree in Environmental Business Economics and graduate-level studies in Economic Development. He also completed the Certified Financial Planner Program at Saint John’s University in New York. He has been in the financial services for over fourty years. He started his career on the New York Commodity Exchange, a subsidiary of the Chicago Mercantile Exchange, made famous by the 80's film "Trading Places" with Eddie Murphy and Dan Aykroyd, produced by Michael Tadross. There he traded futures and options for 17 years and served as President for Growth Management Capital Corporation, a member firm of the Exchange. He also won a competition in trading options on futures. In 1999, he joined Merrill Lynch Wealth Management/Bank of America, as a Financial Advisor and Vice President. John then decided to join Morgan Stanley Wealth Management as a Financial Advisor and Vice President in 2013, attracted by the breadth of services to help meet his clients' goals.
He enjoys traveling with his family and participates in sports, most notably as a member and team manager of the Long Island Football and Soccer League. He is active in the community with a particular focus in health care organizations. John survives his wife Niki and has one daughter, Valerie - part of the other father-daughter duo on the team!
Disclaimer:
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee.
John is a graduate from Rutgers, the State University of New Jersey, with a Bachelor’s Degree in Environmental Business Economics and graduate-level studies in Economic Development. He also completed the Certified Financial Planner Program at Saint John’s University in New York. He has been in the financial services for over fourty years. He started his career on the New York Commodity Exchange, a subsidiary of the Chicago Mercantile Exchange, made famous by the 80's film "Trading Places" with Eddie Murphy and Dan Aykroyd, produced by Michael Tadross. There he traded futures and options for 17 years and served as President for Growth Management Capital Corporation, a member firm of the Exchange. He also won a competition in trading options on futures. In 1999, he joined Merrill Lynch Wealth Management/Bank of America, as a Financial Advisor and Vice President. John then decided to join Morgan Stanley Wealth Management as a Financial Advisor and Vice President in 2013, attracted by the breadth of services to help meet his clients' goals.
He enjoys traveling with his family and participates in sports, most notably as a member and team manager of the Long Island Football and Soccer League. He is active in the community with a particular focus in health care organizations. John survives his wife Niki and has one daughter, Valerie - part of the other father-daughter duo on the team!
Disclaimer:
Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third‐party corporate trustee.
Securities Agent: OR, IA, NC, MD, IL, DC, PA, SC, PR, NH, CO, MA, HI, CA, NM, NJ, MO, CT, AZ, OH, NY, VA, TN, DE, WA, MN, ME, GA, FL, NV, MI; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 578738
NMLS#: 578738
About Roseann Giafaglione
Roseann is a Senior Client Service Associate who has worked over 25 years in financial services -- 22 years with the Plotnick Forman Group. Roseann is the initial point of contact for the team’s clients. She is responsible for all administrative functions relating to account opening and maintenance, as well as new client onboarding and transfers. Additionally, she assists with daily cash flow needs, answers operational questions and schedules meetings.
Roseann loves spending time with her family at the beach in the summer. In 2018, she welcomed her first grandchild, Mia Rose. Roseann resides in Washington Township, N.J.
Roseann loves spending time with her family at the beach in the summer. In 2018, she welcomed her first grandchild, Mia Rose. Roseann resides in Washington Township, N.J.
About Jaclyn Drobny
Jackie is a CERTIFIED FINANCIAL PLANNER™ professional who works as a Financial Planning Analyst for the Plotnick Forman Group. Prior to joining the team in 2017, she was a Senior Registered Client Associate with Glassman Walters Associates at Merrill Lynch in Blue Bell, Pa.
Jackie’s main areas of focus are assisting with portfolio analysis, implementing client strategy and servicing the team’s employer retirement plans. Additionally, she is the primary coordinator for the group’s financial planning concerns and the point person for all next-generation client relationships.
In addition to being a CFP® professional, Jackie holds the Series 7 and Series 66 FINRA registrations. She graduated from the University of Southern California with a Bachelor of Arts in Communication and a minor in Business.
Jackie and her husband Yoni live in Penn Valley, PA. In late 2023, they welcomed twin sons – Matan and Ezra. They enjoy spending time outside as a family along with their goldendoodle, Bagel.
Disclaimer: This role cannot solicit or provide investment advice.
Jackie’s main areas of focus are assisting with portfolio analysis, implementing client strategy and servicing the team’s employer retirement plans. Additionally, she is the primary coordinator for the group’s financial planning concerns and the point person for all next-generation client relationships.
In addition to being a CFP® professional, Jackie holds the Series 7 and Series 66 FINRA registrations. She graduated from the University of Southern California with a Bachelor of Arts in Communication and a minor in Business.
Jackie and her husband Yoni live in Penn Valley, PA. In late 2023, they welcomed twin sons – Matan and Ezra. They enjoy spending time outside as a family along with their goldendoodle, Bagel.
Disclaimer: This role cannot solicit or provide investment advice.
Contact Philip Plotnick
Contact Daniel Forman
Contact John Giapoutzis
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
Fabienne Sarnecki
Private Banker
About Fabienne Sarnecki
Fabienne Sarnecki is a Private Banker serving Morgan Stanley Wealth Management offices in Pennsylvania.
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.
Fabienne began her career in financial services in 2009, and joined Morgan Stanley in 2016 as a Regional Analyst. Prior to joining the firm, she was an Internal Wholesaler at Lincoln Financial Group as well as an Account Manager & Marketing Coordinator at Navidor Merchant Services.
Fabienne is a graduate of New York University where she received a Bachelor of Arts in Economics. She lives in Wayne, Pennsylvania with her family. Outside of the office, Fabienne enjoys running, hiking, exploring new types of cuisines and traveling with her 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.
Fabienne began her career in financial services in 2009, and joined Morgan Stanley in 2016 as a Regional Analyst. Prior to joining the firm, she was an Internal Wholesaler at Lincoln Financial Group as well as an Account Manager & Marketing Coordinator at Navidor Merchant Services.
Fabienne is a graduate of New York University where she received a Bachelor of Arts in Economics. She lives in Wayne, Pennsylvania with her family. Outside of the office, Fabienne enjoys running, hiking, exploring new types of cuisines and traveling with her family.
NMLS#: 1879930
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact Plotnick Forman Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan 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.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
9Morgan 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*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
1Morgan 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.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
9Morgan 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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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Awards Disclosures
CRC 6491812 (04/2024)
