Rebecca Krutko, QPFC
Vice President,
Financial Advisor
Direct:
(614) 798-3291(614) 798-3291
My Mission Statement
Experience, intellectual capital and dedicated personal service to help you navigate market complexities and meet your life goals
My Story and Services
I help successful individuals and families navigate their most important financial considerations - as they prepare to enter, and enjoy retirement, including: financial, retirement and estate planning strategies, investment management, liquidity and income generation, tax minimization and risk mitigation strategies. I have presented on financial topics including women and wealth, retirement planning, impact investing and non-profit investment policy statement reviews.
My professional experience includes commercial banking officer, senior analyst - petroleum real estate investment trust (REIT), adjunct college instructor, CEO/President of small business startups and professional musician.
As an active member in my church and supporter of local community causes and events, my service has included: Board member, National Multiple Sclerosis Society–Buckeye Chapter; Board member, Women for Economic and Leadership Development (“WELD,”); Finance & Development committees, Healthy Worthington Resource Center and Food Pantry; Council member, Morgan Stanley Diversity & Inclusion; Volunteer, Komen Race for The Cure and Special Olympics, Franklin County.
I have earned the Series 7, 31, & 66 securities licenses, life and health insurance licenses and the Qualified Plan Financial Consultant, QPFC® professional designation.
My professional experience includes commercial banking officer, senior analyst - petroleum real estate investment trust (REIT), adjunct college instructor, CEO/President of small business startups and professional musician.
As an active member in my church and supporter of local community causes and events, my service has included: Board member, National Multiple Sclerosis Society–Buckeye Chapter; Board member, Women for Economic and Leadership Development (“WELD,”); Finance & Development committees, Healthy Worthington Resource Center and Food Pantry; Council member, Morgan Stanley Diversity & Inclusion; Volunteer, Komen Race for The Cure and Special Olympics, Franklin County.
I have earned the Series 7, 31, & 66 securities licenses, life and health insurance licenses and the Qualified Plan Financial Consultant, QPFC® professional designation.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Professional Portfolio ManagementFootnote5
- Cash Management and Lending ProductsFootnote6
- Alternative InvestmentsFootnote7
- Structured ProductsFootnote8
- Endowments and FoundationsFootnote9
- Planning for Education FundingFootnote10
- Donor Advised Funds
Securities Agent: MI, KY, WA, CO, PA, AZ, AL, TN, OH, MA, VA, GA, TX, LA, IL, NJ, HI, SC, NC, MD, FL, NY; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2545674
NMLS#: 2545674
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Goals Based Planning
As your financial advisor partner and wealth management team of highly experienced and credentialed professionals, including CFP®, CRPS® and QPFC® - we are committed to the ongoing development and education of our professional team and clients, with financial planning the foundation of our wealth management philosophy and process.
Using a disciplined 4 step planning process not only helps simplify financial complexities, it allows you to make decisions confidently and provides peace of mind that everything related to your financial well-being is addressed.
Discovery
Our relationship begins with a conversation and continues - because your life changes, expectedly, and unexpectedly. We'll discuss everything most important to you, not just your finances. This is my opportunity to get to know you on a personal level and to understand your priorities, preferences, and expectations - so that we may craft a plan to help you successfully address them.
Planning & Analysis
I believe financial planning is the foundation for informed decision-making, to help best align your wealth to support your goals. Once we understand your financial considerations, I will develop a personalized plan that addresses not only your investment needs, but other facets of your life which may be financially impacted–by helping minimize taxes, reduce risk and steward your wealth.
Strategy Formulation & Execution
Our implementation meeting focuses on reviewing your financial planning recommendations and the custom strategies thoughtfully designed to help achieve your goals, including the steps and timeline for implementation. With your approval, the strategies are executed.
Ongoing Monitoring & Assessment
Life and financial changes can impact both your goals and priorities. We’ll keep you informed with timely market updates and deliver periodic plan reviews on a schedule that works best for you. Because our process is dynamic and consultative, we’ll make timely adjustments as new life events occur and your goals evolve. In an ever-changing economic and tax environment, we’ll also proactively present you with strategies to help you remain best aligned with your long-term vision of success, while helping you keep more of what you earn.
I invite you to meet - to learn how working together can best help accomplish what’s most important to you.
Using a disciplined 4 step planning process not only helps simplify financial complexities, it allows you to make decisions confidently and provides peace of mind that everything related to your financial well-being is addressed.
Discovery
Our relationship begins with a conversation and continues - because your life changes, expectedly, and unexpectedly. We'll discuss everything most important to you, not just your finances. This is my opportunity to get to know you on a personal level and to understand your priorities, preferences, and expectations - so that we may craft a plan to help you successfully address them.
Planning & Analysis
I believe financial planning is the foundation for informed decision-making, to help best align your wealth to support your goals. Once we understand your financial considerations, I will develop a personalized plan that addresses not only your investment needs, but other facets of your life which may be financially impacted–by helping minimize taxes, reduce risk and steward your wealth.
Strategy Formulation & Execution
Our implementation meeting focuses on reviewing your financial planning recommendations and the custom strategies thoughtfully designed to help achieve your goals, including the steps and timeline for implementation. With your approval, the strategies are executed.
Ongoing Monitoring & Assessment
Life and financial changes can impact both your goals and priorities. We’ll keep you informed with timely market updates and deliver periodic plan reviews on a schedule that works best for you. Because our process is dynamic and consultative, we’ll make timely adjustments as new life events occur and your goals evolve. In an ever-changing economic and tax environment, we’ll also proactively present you with strategies to help you remain best aligned with your long-term vision of success, while helping you keep more of what you earn.
I invite you to meet - to learn how working together can best help accomplish what’s most important to you.
EVENTS
Join exclusive events and guest speakers on a variety of requested financial topics ranging from market updates and industry trends, to women, health and wealth, retirement and estate planning strategies, aligning your wealth to what matters most to you, the psychology of money, navigating life transitions, and how to talk money with family, among others.
If you would like to receive the calendar of upcoming events and speakers, or if you are interested in a feature speaker for your organization, please *contact: rebecca.krutko@morganstanley.com; 614-965-3315.
Morgan Stanley Lessons In Leadership
Money Monday - Virtual Event (February 12th)
Learn how money habits can help invstors reach their goals. Featuring MS Chief Economist Seth Carperter and New York Times best-selling author and chart-topping podcast host, Nicole Lapin.
Virtual Tour - The Metropolitan Museum of Art, Women Dressing Women Exhibit (February 12th)
Guided by Associate Curator, Mellissa Huber, attendees can 'walk through' this stunning exploration of the creativity and artistic legacy of women designers.
Money Monday - Virtual Event (April 29th) with Lisa Shalett, CIO, Morgan Stanley
With tax season behind us, join for ideas to help you make the most of your money - including how planning can help investors navigate volative makets, avoid short-term thinking and stay focused during uncertain times. (Replay available contact me for a limited time replay link*)
Lessons on Longevity with Dr. Joseph Coughlin, Director, MIT Agelab (May 20, 2024)
We're in the midst of a longevity revolution. How will you spend and make the most of your years of life? Join this interesting conversation to learn how global demographics, technology and changing behaviors are transforming business & society in ways unpredicted a few short years ago. More importantly, he'll break down what it means for you.
June through December 2024 Programs (check back frequently, new events added regularly):
Overcoming the Insecurity Around Social Security - Virtual Event (June 27th, 12:15pm)
Join us to learn more about Social Security benefits, potential changes to the program, strategies for claiming benefits and what it may mean for you.
2024 Election Insights: Perspectives for Investors (July 31st, 2024; 4:30-5pm EST)
Join us for a conversation on the potential financial and economic implications of this unique and highly consequential election. Register now to get insights on what it could mean to you from Morgan Stanley thought leaders.
Navigating the Economic Landscape with Lisa Shalett (Chief Investment Officer) and Ellen Zentner (Chief Economic Strategist & Global Head of Thematic & Macro Investing - Virtual Event (September 19th, 4-5pm EST, Virtual Event)
Join Morgan Stanley Wealth Management for a conversation on the economic trends, challenges and opportunities shaping our world.
What's at Stake? U.S. Government Shutdown Risk, Congressional Gridlock & The Markets - Virtual Event (September 26th, 4:15pm EST, Virtual Event)
Join Morgan Stanley on September 26 for an exclusive conversation with Andy Blocker, Global Head of Public Policy and Strategic Partnerships at Invesco, and Monica Guerra, Head of U.S. Policy, Morgan Stanley Wealth Management. Just a few days before Congress's deadline to approve the 2024 budget and avoid a government shutdown, Blocker and Guerra will discuss the economic and market impact of the legislative logjam and the broader implications of congressional gridlock for investment strategies.
Location
4449 Easton Way
Suite 300
Columbus, OH 43219
US
Direct:
(614) 798-3291(614) 798-3291
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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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Ready to start a conversation? Contact Rebecca Krutko today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 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.
5Morgan 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.
6Morgan 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
7Alternative 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.
8Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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, charitable giving, philanthropic planning and other legal matters.
10When 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.
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
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 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.
5Morgan 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.
6Morgan 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
7Alternative 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.
8Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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, charitable giving, philanthropic planning and other legal matters.
10When 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.
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)
