Managing Director, Wealth Management, Financial Advisor, Family Wealth Director, Lending Specialist, Alternative Investments Director
Phone:
(212) 541-2708(212) 541-2708
RBK Group at Morgan Stanley
Direct:
(212) 541-2708(212) 541-2708
Toll-Free:
(800) 995-3316(800) 995-3316
Our Mission Statement
Classic Wealth Management Principles, Executed in a 21st Century Way
Our Story & Services
Our mission is simple: To provide objective, high quality wealth management advice and services to help you streamline your life, so you may take care of the people you love, spend more time pursuing the activities you enjoy, and generously support the causes that are most important to you.
At the RBK Group, we are a multi-generational team. Our group’s unique demographics represent every stage of life -- from late 20s to early 80s -- and every family dynamic -- from children and grandchildren to college students and aging parents. Committed to helping you grow and protect your assets, we will work tirelessly to earn your trust, so that we may proudly be recognized as your “financial family” – through every one of life’s important milestones.
Our clients’ goals and lives aren’t static, so we are connecting with them constantly to adjust and refine the financial strategies that best fit with their goals. We blend the classic wealth management principles- enduring relationships and high touch service- with those of the 21st century- total balance sheet management, technology intensive, team approach. We know how hard you are working to achieve your goals, surpassed only by our dedication to helping you ensure your wealth will lead to continued prosperity for you and generations to come.
At the RBK Group, we are a multi-generational team. Our group’s unique demographics represent every stage of life -- from late 20s to early 80s -- and every family dynamic -- from children and grandchildren to college students and aging parents. Committed to helping you grow and protect your assets, we will work tirelessly to earn your trust, so that we may proudly be recognized as your “financial family” – through every one of life’s important milestones.
Our clients’ goals and lives aren’t static, so we are connecting with them constantly to adjust and refine the financial strategies that best fit with their goals. We blend the classic wealth management principles- enduring relationships and high touch service- with those of the 21st century- total balance sheet management, technology intensive, team approach. We know how hard you are working to achieve your goals, surpassed only by our dedication to helping you ensure your wealth will lead to continued prosperity for you and generations to come.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
At The RBK Group, we are dedicated to building deep and long-lasting client relationships based on trust and integrity. We are committed to providing you with a “one-stop shop” for all of your financial needs. Our differentiated three-step process allows us to develop a comprehensive, customized solution for your family.
Introduction
In our initial in-person meeting, we take the time to learn about you and your family. It also allows our team to introduce ourselves, discuss our process, and our client offering.
Planning & Discovery
We conduct an in depth planning meeting which focuses on your balance sheet, income statement, and other financial priorities. We also help you articulate your goals, dreams, and concerns for your wealth.
Review
Based on your risk tolerance & goals, we develop the financial plan, asset allocation strategy, and other wealth management priorities paired with a detailed implementation plan and pricing schedule.
Our Offerings
With our offerings, we focus on delivering end to end wealth management to our clients. From your most basic checking & savings needs, to your most complicated estate issues – our platform allows you to meet all of your financial needs through one relationship with the firm.
Below are additional resources for you to learn more about our different offerings:
Below are additional resources for you to learn more about our different offerings:
CashPlus
A Modern Alternative to BankingInvesting With Impact
Learn More About Investing with Impact HereDonor Advised Funds
What is a Donor Advised Fund?Estate Planning
Tax, Trust and Estate Planning OverviewAsset Manager Overview
Investment Advisory Solutions for Today's Capital MarketsOur Digital Tools
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the platforms we use with our clients through Morgan Stanley’s modern wealth management tools and intellectual capital.
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that you should take advantage of. They include:
- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App.
- eDelivery, which reduces paper documents sent by mail and can protect your personal information from getting into the hands of identity thieves.
- Managing your everyday finances such as paying bills online, sending money or transferring funds.
Learn More About MSO- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App.
- eDelivery, which reduces paper documents sent by mail and can protect your personal information from getting into the hands of identity thieves.
- Managing your everyday finances such as paying bills online, sending money or transferring funds.
Total Wealth View
We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Completing your financial picture with Total Wealth View gives our clients the benefit of more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth ViewThe ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Completing your financial picture with Total Wealth View gives our clients the benefit of more informed wealth planning, more secure data access, and convenient connectivity.
Digital Vault
Digital Vault lets you easily manage and share your important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings.
All files are scanned for viruses and malware and are encrypted while transferred and stored. Access is limited to you and anyone you designate.
Learn More About Our Security MeasuresAll files are scanned for viruses and malware and are encrypted while transferred and stored. Access is limited to you and anyone you designate.
Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn More About The Different OfferingsResources and Research
At Morgan Stanley, we provide clients with resources meant to transform complex financial analysis and research into concise and easily digestible content. The links below offer insight into the modern market and economic landscape.
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read The Latest Report
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read The GIC Weekly
GIC Investment Perspectives Webcast
On a monthly basis, Chief Investment Officer Mike Wilson discusses the current market conditions and outlook.
Listen To The Recent Webcast
2024 US Economics Outlook
Read The Review HereLocation
399 Park Ave 12th
Fl
New York, NY 10022
US
Direct:
(212) 541-2708(212) 541-2708
Toll-Free:
(800) 995-3316(800) 995-3316
Meet RBK Group
Patrick Biggs
Executive Director, Financial Advisor, Investing with Impact Director, Insurance Planning Director, Lending Specialist
Phone:
(212) 307-2452(212) 307-2452
John Hummel
Vice President, Financial Advisor, Financial Planning Specialist
Phone:
(212) 315-6389(212) 315-6389
Elizabeth George, CFP®
Financial Advisor
Phone:
(212) 315-6209(212) 315-6209
Jack Wilson
Wealth Management Analyst
Phone:
(212) 315-6302(212) 315-6302
Kendall Van Winkle
Director of Business Strategy
Phone:
(212) 315-6257(212) 315-6257
About Roz M O'Connor
Roz O’Connor is a Managing Director, Family Wealth Director, Financial Advisor and founding member of The RBK Group at Morgan Stanley. With more than 25 years of industry experience, Roz is dedicated to serving the specialized needs of financially successful individuals, families and business owners. In 2021, she was named to Forbes Top Women Wealth Advisors. A graduate of Williams College with a B.A. degree in Political Economy and English, Roz takes pride in her ability to put advanced concepts into action and effectively communicate these concepts to her clients. Significant wealth raises complex, multigenerational issues and she works diligently to simplify and demystify the investment and planning process by understanding her clients’ goals and values.
Roz and her husband, John, currently reside in Spring Lake, New Jersey with their four children. In her free time, she enjoys trying to improve her tennis game and seeking out live music.
Forbes America's Top Women Wealth Advisors
Source: Forbes.com (Awarded Mar 2021) Data compiled by SHOOK Research LLC based on time period from 9/30/19 - 9/30/20.
Roz and her husband, John, currently reside in Spring Lake, New Jersey with their four children. In her free time, she enjoys trying to improve her tennis game and seeking out live music.
Forbes America's Top Women Wealth Advisors
Source: Forbes.com (Awarded Mar 2021) Data compiled by SHOOK Research LLC based on time period from 9/30/19 - 9/30/20.
Securities Agent: GA, OR, NY, ME, ID, WI, IL, HI, CO, WY, UT, OH, MS, LA, FL, TX, TN, NH, MD, CA, AZ, VT, VA, NC, RI, NJ, DE, CT, NM, MN, DC, MT, SC, MO, IN, PA, NV, MI, MA, WA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1282546
NMLS#: 1282546
About Patrick Biggs
Patrick Biggs is a Financial Advisor and founding member of The RBK Group at Morgan Stanley, where he provides highly customized advice and investment solutions to financially successful individuals and families. He is committed to long-term relationships and strives to deliver objective advice through exceptional “high touch” client service.
Patrick attended Princeton University where he earned his B.A. degree in History. Upon graduation, he joined Morgan Stanley, where he had the opportunity to work as an Analyst in the Strategy Division and an Associate in the Business Development Division. Patrick calls New Jersey his home with his wife and three young children.
Patrick attended Princeton University where he earned his B.A. degree in History. Upon graduation, he joined Morgan Stanley, where he had the opportunity to work as an Analyst in the Strategy Division and an Associate in the Business Development Division. Patrick calls New Jersey his home with his wife and three young children.
Securities Agent: IN, ME, VA, TX, NM, MS, LA, CO, OR, HI, FL, PA, MO, GA, AZ, MN, IL, NH, DE, CA, WY, WI, RI, OH, NV, MT, VT, UT, TN, NJ, MA, ID, WA, NC, MD, DC, CT, SC, NY, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 1377898
CA Insurance License #: 4189627
NMLS#: 1377898
CA Insurance License #: 4189627
About John Hummel
John Hummel is a Financial Advisor and member of The RBK Group at Morgan Stanley, where he provides investment advice, reporting, and financial planning analysis for clients. John focuses on constructing personalized wealth planning solutions tailored helping achieve our clients’ long term financial goals. He ensures our clients receive a comprehensive solution for their financial needs by providing our modern wealth management capabilities including Morgan Stanley Online, cash management, spending and budgeting, and risk analysis services.
John attended Princeton University where he earned his B.A. degree in Economics. At Princeton, John was a member of two Ivy League Championship football teams in 2013 and 2016. Following graduation John joined Mastercard where he focused on strategy and program management for the payment processor. John joined Morgan Stanley in 2018 to further pursue his passion for helping individuals, families and businesses achieve their financial goals. Currently, John calls Manhattan’s Murray Hill his home and remains an active Princeton alumnus in NYC and is a supporter of the Princeton Varsity Club and Princeton Football Association.
John attended Princeton University where he earned his B.A. degree in Economics. At Princeton, John was a member of two Ivy League Championship football teams in 2013 and 2016. Following graduation John joined Mastercard where he focused on strategy and program management for the payment processor. John joined Morgan Stanley in 2018 to further pursue his passion for helping individuals, families and businesses achieve their financial goals. Currently, John calls Manhattan’s Murray Hill his home and remains an active Princeton alumnus in NYC and is a supporter of the Princeton Varsity Club and Princeton Football Association.
Securities Agent: MS, MI, MA, VA, TN, NC, MN, IL, NM, ID, DC, CT, WI, NY, WA, SC, MO, ME, LA, CO, NJ, MD, GA, DE, CA, AZ, VT, TX, OR, OH, FL, MT, WY, UT, RI, KY, IN, PA, NV, NH; General Securities Representative; Investment Advisor Representative
NMLS#: 1981115
NMLS#: 1981115
About Elizabeth George
Elizabeth George is a Financial Advisor and member of The RBK Group at Morgan Stanley, where she supports all aspects of our differentiated client service experience.
Elizabeth attended Princeton University where she earned her B.A. degree in Public Policy. At Princeton, Elizabeth was a member of the Women’s Varsity Lacrosse team winning four consecutive Ivy League Championship titles (2016 - 2019) and competing in two NCAA Elite Eights (2017, 2019). Additionally, Elizabeth served as co-captain of the team in her senior year.
Following graduation, Elizabeth joined OnPrem, a boutique technology consulting firm, where she focused on project management and client support for media software system implementation. Her desire to pursue a career in wealth management led her to join Morgan Stanley in November 2020
Elizabeth attended Princeton University where she earned her B.A. degree in Public Policy. At Princeton, Elizabeth was a member of the Women’s Varsity Lacrosse team winning four consecutive Ivy League Championship titles (2016 - 2019) and competing in two NCAA Elite Eights (2017, 2019). Additionally, Elizabeth served as co-captain of the team in her senior year.
Following graduation, Elizabeth joined OnPrem, a boutique technology consulting firm, where she focused on project management and client support for media software system implementation. Her desire to pursue a career in wealth management led her to join Morgan Stanley in November 2020
NMLS#: 2554948
About Jack Wilson
Jack Wilson is an analyst and member of The RBK Group at Morgan Stanley, where he supports all aspects of our differentiated client service experience.
Jack attended Brown University where he earned his B.A. degree in Economics. At Brown, Jack was a member of the Men’s Varsity Water Polo team.
Following graduation, Jack joined Morgan Stanley as a Wealth Management Rotational Analyst. He spent time on the National Sales team implementing strategic initiatives to connect the home office with financial advisors. Most recently, Jack worked on the Morgan Stanley Family Office team, particularly focusing on investment and administrative solutions for the firm’s UHNW client segment.
Jack attended Brown University where he earned his B.A. degree in Economics. At Brown, Jack was a member of the Men’s Varsity Water Polo team.
Following graduation, Jack joined Morgan Stanley as a Wealth Management Rotational Analyst. He spent time on the National Sales team implementing strategic initiatives to connect the home office with financial advisors. Most recently, Jack worked on the Morgan Stanley Family Office team, particularly focusing on investment and administrative solutions for the firm’s UHNW client segment.
About Kendall Van Winkle
Kendall Van Winkle is a Director of Business Strategy and the newest member of The RBK Group at Morgan Stanley, where she supports all aspects of our differentiated client service experience.
Kendall attended Lehigh University where she studied Psychology and Mass Communications. She has over 8 years of experience in the financial services industry and a background supporting advisors, broker dealers, and investors. She is excited to continue her career at Morgan Stanley and further develop her passion for assisting clients.
Kendall attended Lehigh University where she studied Psychology and Mass Communications. She has over 8 years of experience in the financial services industry and a background supporting advisors, broker dealers, and investors. She is excited to continue her career at Morgan Stanley and further develop her passion for assisting clients.
Contact Roz M O'Connor
Contact Patrick Biggs
Contact John Hummel
Contact Elizabeth George
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
Stephen Murray
Private Banker
Scott McCoy, CFP®
Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director, Corporate Cash Investment Director, International Client Advisor
About Stephen Murray
Stephen Murray is a Private Banker serving Morgan Stanley’s Wealth Management offices in New York City.
Stephen began his career in financial services in 2012 when he joined Morgan Stanley as a Senior Analyst in the Private Banking Group’s Securities Based Lending (SBL) Operations organization. Before being promoted to Private Banker, Stephen was an Associate Private Banker.
Stephen earned his Bachelor of Science in Public Health from Rutgers -- the State University of New Jersey. He and his family live in Howell, New Jersey.
Outside of the office, Stephen is a singer/songwriter and performs whenever possible. He also enjoys spending time with family and friends.
Stephen began his career in financial services in 2012 when he joined Morgan Stanley as a Senior Analyst in the Private Banking Group’s Securities Based Lending (SBL) Operations organization. Before being promoted to Private Banker, Stephen was an Associate Private Banker.
Stephen earned his Bachelor of Science in Public Health from Rutgers -- the State University of New Jersey. He and his family live in Howell, New Jersey.
Outside of the office, Stephen is a singer/songwriter and performs whenever possible. He also enjoys spending time with family and friends.
NMLS#: 1498655
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
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
Article Image
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 RBK 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.
1Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
2Morgan 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
3Morgan 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.
4Morgan 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6When 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.
7When 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.
8Morgan 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.
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 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
1Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
2Morgan 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
3Morgan 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.
4Morgan 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6When 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.
7When 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.
8Morgan 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.
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 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.
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Awards Disclosures
CRC 6491812 (04/2024), 3582895 (6/2024)
