Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(516) 336-0721(516) 336-0721
Richard Jenkin, Thomas Ferrante & Krishna Iyer at Morgan Stanley
Direct:
(516) 336-0721(516) 336-0721
Our Mission Statement
Our mission, and the reason we come to work every day, is to ensure the successful stewardship of your family's wealth and values from generation to generation.
Our Story and Services
For us, retirement planning means more than providing our clients with investment advice. It means helping them maintain the financial independence they've worked their whole lives to achieve. It means striving to help ensure they have the means to pursue what's most important to them. And it means understanding them as people with unique goals, values and circumstances that determine the strategies we develop on their behalf.
Our consultative process begins with an in-depth discussion of your current finances and future objectives. We'll address issues you might have overlooked that can have a significant impact on your ability to retire as planned. Finally, we'll determine how we can help you adjust your investment strategy as necessary to accommodate changing conditions and meet unforeseen expenses and income demands that may arise during retirement.
Richard Jenkin and Thomas Ferrante have been named to the Forbes Best-In-State Wealth Management Teams in 2024 and utilizes their years of experience as well as the vast global resources of Morgan Stanley, to provide customized and comprehensive solutions to meet your wealth management needs.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based on time period from 3/31/22-3/31/23.
Our consultative process begins with an in-depth discussion of your current finances and future objectives. We'll address issues you might have overlooked that can have a significant impact on your ability to retire as planned. Finally, we'll determine how we can help you adjust your investment strategy as necessary to accommodate changing conditions and meet unforeseen expenses and income demands that may arise during retirement.
Richard Jenkin and Thomas Ferrante have been named to the Forbes Best-In-State Wealth Management Teams in 2024 and utilizes their years of experience as well as the vast global resources of Morgan Stanley, to provide customized and comprehensive solutions to meet your wealth management needs.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based on time period from 3/31/22-3/31/23.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
WORKING WITH YOU
Our approach to client service is simple - we put you at the center of everything we do. We recognize that getting to know you is essential to success, so we are focused on active listening and collaboration. The more we know about you, the better we understand your needs and what you want to accomplish working with us.
Our goals-based approach leads to strategies that are not only designed to reach specific financial targets but are reflective of who you are and how you intend to share wealth with others.
Our goals-based approach leads to strategies that are not only designed to reach specific financial targets but are reflective of who you are and how you intend to share wealth with others.
Step 1: Introduction
We begin with an informal conversation. This is an opportunity to learn about each other, as well as understand your financial concerns. We'll then schedule a more in-depth discussion and ask you to bring important financial documents.
Step 2: Discovery
We continue the dialogue by fostering an in-depth conversation where we learn about the values that shape your decisions, and identify where we can add value. We also review the information you've prepared and define specific priorities within.
Step 3: Analysis & Plan Development
Here, we utilize various financial planning tools to develop a detailed and completely personalized plan with recommendations to help you preserve and grow your wealth.
Step 4: Implementation
In this step, we present appropriate strategies that are designed to work together to achieve your goals. Upon your approval, we initiate the investment recommendations and begin to implement the additional strategies we’ve discussed. These often encompass risk management and estate planning.
Step 5: Ongoing Service
Committed to an ongoing premium service, we focus on creating a relationship that provides special value to you and your family. We'll set up tools for your immediate access to all account information and because personal needs evolve over time, we will schedule ongoing meetings to keep up to date plans regarding your goals.
Keeping You Connected
Digital technology is centered on how people communicate, consume, transact, and travel. Our comprehensive suite of digital tools is designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients:
Morgan Stanley Online
Morgan Stanley Online (MSO) has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with eAuthorizations.
To learn more and to log in click here >
Morgan Stanley Mobile App
Access your account wherever, whenever using the Morgan Stanley Mobile App. It gives you the same capabilities as Morgan Stanley Online from the convenience of your phone.
To learn more about the mobile capabilities and to get the app click here >
E-Sign
E-Sign is a digital, paperless alternative to the traditional means of obtaining signatures from clients on paperwork. There is no registration process for you to begin using E-Sign - all you need is a valid email address and phone number.
To learn how to sign up, click here >>
Digital Vault
Digital Vault on Morgan Stanley Online and the mobile app allows for easy sharing and convenient access to life's most important documents from wills and deeds to financial statements and tax fillings. Easily manage your encrypted financial records all in one place
To learn more, watch this video>>
Total Wealth View
The ability to view all of your assets and liabilities together, whether held at Morgan Stanley or elsewhere, enables us to advise with your entire financial picture in mind.
To learn more, click here>>
Goals Planning System
A holistic Goals Planning System (GPS) approach to Wealth Management can help tailor an investment framework that considers key aspects of a client's life, such as retirement age, healthcare costs, home buying, cash management, legacy needs, and potential withdrawal strategies. Using goals as a benchmark, the investment strategy is continuously evaluated to ensure clients are on track.
To learn more, watch this video>
Tips To Navigate Your Parents’ Evolving Needs and Finding Balance in the Chaos
A multitude of economic, social and cultural factors have given rise to many middle-aged Americans providing financial, emotional and physical support for their young children, adult children and parents at the same time, often with multiple generations living under one roof. Caring for children while caring for parents, while also trying to keep your own head above water, is a life masterclass in juggling. Needs are constantly competing for attention and resources, often leaving you stuck in the middle.
One of the main concerns facing the Sandwich Generation is: “How do I plan for my own future – my own retirement needs – when I’m constantly balancing the immediate needs of my family?” By addressing the three questions below, you can start to find balance in the chaos, while making sure your own financial future is secure.
One of the main concerns facing the Sandwich Generation is: “How do I plan for my own future – my own retirement needs – when I’m constantly balancing the immediate needs of my family?” By addressing the three questions below, you can start to find balance in the chaos, while making sure your own financial future is secure.
What Are My Needs?
Flight attendants tell you to put on your own oxygen mask first before helping others and this is no different. The first step is to create a personal budget.
- Determine Your Income. Specifically, you’ll want to determine your average monthly income. If your income varies by month, estimate by averaging the past six to 12 months.
- Evaluate Your Emergency Fund. Keeping a stash of cash on hand in case of an emergency is essential. Your emergency fund should be separate from your day-to-day cash, and if you can, put away enough to cover at least three to six months’ of expenses.
- Plan for Savings & Surplus. If you have surplus in your budget, it may be challenging to decide what to do with it. As a dual caregiver, there are an unending number of things you could do with that money, but the most important thing is to pay yourself first. A good rule of thumb is to save for your retirement ahead of your children’s college funds and your parents’ care needs. Be sure to pay off all your debt and evaluate your insurance needs.
What Are My Children’s Needs?
One of the biggest expenses of raising a child is education. If they’re young, consider whether private school tuition is going to be necessary. There may also be the added expenses of books, extracurricular activities and tutors. If you can swing it without sacrificing your own retirement needs, open a 529 College Savings plan, and start investing with as little as $25 per month.
Fifty percent of young Millennials plan to move back home with their parents after college.1 In order to make this work for everyone, it’s important to set expectations. Talk through everything from rent and shared expenses to division of household chores. Don’t neglect the impact this situation will have on your own retirement goals.
Fifty percent of young Millennials plan to move back home with their parents after college.1 In order to make this work for everyone, it’s important to set expectations. Talk through everything from rent and shared expenses to division of household chores. Don’t neglect the impact this situation will have on your own retirement goals.
What Are My Parents’ Needs?
Navigating the needs of your parents can be emotional and tricky. But staying in the loop on what your parents have saved, where it is, what plans they have for the future, and who they trust as their Financial Advisor, will help protect their money and yours. You'll also be better able to make decisions on their behalf in case of an emergency.
Budgeting for your parents’ current and future needs is important. The good news is that you can use the same process you used to create your own budget. Include discussions about their desired standard of living – and what changes would need to happen, given financial constraints. Don’t forget the hard questions: How long can my parents stay in their home? Can they afford home health care? Should they live with me? What about assisted living? Additional care? These are all discussions that need to happen before a move is required.
Budgeting for your parents’ current and future needs is important. The good news is that you can use the same process you used to create your own budget. Include discussions about their desired standard of living – and what changes would need to happen, given financial constraints. Don’t forget the hard questions: How long can my parents stay in their home? Can they afford home health care? Should they live with me? What about assisted living? Additional care? These are all discussions that need to happen before a move is required.
Finding Balance in the Chaos
Dual caregiving comes with a lot of chaos. Don’t forget to make yourself a priority. By creating a clear picture of the needs of every generation under your care, you can map out strategies and solutions that help your entire family thrive. And if you need additional guidance on how to balance this big picture, don’t be afraid to reach out to a financial advisor for help.
1 Forbes. 50% Of Millennials Are Moving Back Home With Their Parents After College. Available at https://www.forbes.com/sites/zackfriedman/2019/06/06/millennials-move-back-home-college/. Accessed February 24, 2020.
If an account owner or the beneficiary resides in or pays income taxes to a state that offers its own 529 college savings or pre-paid tuition plan (an “In-State Plan”), that state may offer state or local tax benefits. These tax benefits may include deductible contributions, deferral of taxes on earnings and/or tax-free withdrawals. In addition, some states waive or discount fees or offer other benefits for state residents or taxpayers who participate in the In-State Plan. An account owner may be denied any or all state or local tax benefits or expense reductions by investing in another state’s plan (an “Out-of-State Plan”). In addition, an account owner’s state or locality may seek to recover the value of tax benefits (by assessing income or penalty taxes) should an account owner rollover or transfer assets from an In-State Plan to an Out-of-State Plan. While state and local tax consequences and plan expenses are not the only factors to consider when investing in a 529 Plan, they are important to an account owner’s investment return and should be taken into account when selecting a 529 plan.
Tax laws are complex and are subject to change. This information is based upon current tax rules in effect at the time this was written. Morgan Stanley Smith Barney LLC and its Financial Advisors do not provide tax or legal advice. 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.
Investments in a 529 Plan are not FDIC-insured, nor are they deposits of or guaranteed by a bank or any other entity, so an individual may lose money. Investors should review a Program Disclosure Statement, which contains more information on investment options, risks factors, fees and expenses and possible tax consequences. Investors should read the Program Disclosure Statement carefully before investing.
©2020 Morgan Stanley Smith Barney LLC. Member SIPC.
CRC# 2952350 03/2020
Resources and Research
Morgan Stanley seeks to make complex financial ideas more digestible, so our clients understand what is being done for their financial future. Check out the content below to see our latest market updates and reports from the top researchers at our firm.
2025 Federal Tax Tables
This document outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information
View 2025 Tax Tables
2024 Federal Tax Tables
This document outlines the 2024 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information
View 2024 Tax Tables
Thoughts on the Markets Podcast
With perspectives on the forces shaping the market, Morgan Stanley Strategists and colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Listen to the latest episode
Global Investment Commitee Weekly Research Report
The Global Investment Commitee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Access this week's edition
Morgan Stanley Ideas Podcast
From satellite data technology used to solve some of the world's most complex problems to learning how not to follow the crowd when making decision.
Listen to the latest episode
Online Security Center
Safeguarding your assets and personal information remain a top priority at Morgan Stanley. Click the link to learn about our stringent security measures.
View Security MeasuresLocation
2 Jericho Plaza
Jericho, NY 11753
US
Direct:
(516) 336-0721(516) 336-0721
Meet Richard Jenkin, Thomas Ferrante & Krishna Iyer
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(516) 336-0729(516) 336-0729
Phone:
(516) 336-0758(516) 336-0758
Joseph Gillespie
Registered Client Service Associate
Phone:
(516) 336-0897(516) 336-0897
Katie Smielewski
Assistant Vice President, Wealth Management Associate
Phone:
(516) 336-0712(516) 336-0712
About Richard Jenkin
Richard Jenkin is a Senior Vice President, Senior Portfolio Manager, and Financial Advisor at Morgan Stanley Wealth Management. Richard holds his Series 7, 63, 65 as well as the Health & Life Insurance licenses. Richard has been assisting clients in achieving their long-term financial goals for more than three decades using his extensive knowledge of the industry. Richard’s Life-Centric approach allows him to develop meaningful and productive relationships with clients and their families. By leveraging his team’s resources, Richard is able to align a client’s financial goals with a comprehensive investment strategy.
After graduating from Hofstra University with his degree in Finance, Richard moved forward entering the Financial Workspace. He spent 20 years as Senior Vice President of Investments prior to Joining Morgan Stanley. Richard partnered with Thomas Ferrante in 2009 and shortly after in 2012 they joined Morgan Stanley Wealth Management as a team. They have grown their business to include over 250 families today. Outside of work, Richard enjoys traveling with his family, outdoor activities and studying history.
After graduating from Hofstra University with his degree in Finance, Richard moved forward entering the Financial Workspace. He spent 20 years as Senior Vice President of Investments prior to Joining Morgan Stanley. Richard partnered with Thomas Ferrante in 2009 and shortly after in 2012 they joined Morgan Stanley Wealth Management as a team. They have grown their business to include over 250 families today. Outside of work, Richard enjoys traveling with his family, outdoor activities and studying history.
Securities Agent: NC, NV, TX, MO, FL, MN, DC, OH, VA, CT, AZ, WA, MT, MI, VT, TN, ME, PA, GA, NY, DE, NJ, CA, MD, MA, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 1395631
NMLS#: 1395631
About Thomas Ferrante
Thomas W. Ferrante is a Senior Vice President, Senior Portfolio Manager, and Financial Advisor at Morgan Stanley Wealth Management. Thomas is dedicated to helping individuals and their families confidently navigate and achieve their goals using his decades of knowledge in this industry. Thomas’s approach includes a thorough planning process and a commitment to providing individualized experiences for all his clients.
After graduating with his degree in Economics and Sociology, Thomas decided to pursue his interest in the Financial Industry. Thomas worked as a Financial Advisor at Gruntal and Company for 4 years as well at UBS Financial Services for 8 years where he partnered with Rich Jenkin in 2009. As a team they joined Morgan Stanley Wealth Management in 2012, where they have grown their business to include over 250 families.
As a Long Island native, Thomas lives in Long Beach with his wife Renee, where they raised their two daughters Jennifer and Valerie. Thomas is an active supporter or Long Beach Christmas Angels, St. Jude Children’s Research Hospital, and Long Beach Waterfront Warriors. When he’s not assisting clients or actively volunteering, you can find him spending quality time with his family and friends. His favorite activities include going to the beach, barbequing, golfing, and Longboat River Cruising in Europe.
After graduating with his degree in Economics and Sociology, Thomas decided to pursue his interest in the Financial Industry. Thomas worked as a Financial Advisor at Gruntal and Company for 4 years as well at UBS Financial Services for 8 years where he partnered with Rich Jenkin in 2009. As a team they joined Morgan Stanley Wealth Management in 2012, where they have grown their business to include over 250 families.
As a Long Island native, Thomas lives in Long Beach with his wife Renee, where they raised their two daughters Jennifer and Valerie. Thomas is an active supporter or Long Beach Christmas Angels, St. Jude Children’s Research Hospital, and Long Beach Waterfront Warriors. When he’s not assisting clients or actively volunteering, you can find him spending quality time with his family and friends. His favorite activities include going to the beach, barbequing, golfing, and Longboat River Cruising in Europe.
Securities Agent: MD, NV, MO, OH, MN, CT, MI, FL, VT, MT, GA, NJ, NC, DC, CO, TX, TN, AZ, WA, PA, ME, CA, MA, VA, NY, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 1282629
NMLS#: 1282629
About Krishna Iyer
Krishna Iyer was recruited as a Financial Advisor by Morgan Stanley in 2014 from Merrill Lynch. He is a seasoned finance professional with worldwide experience since his early days at Pfizer headquarters in NYC. He provides trustworthy advice and white glove service to successful professionals, business executives and their families drawing upon three decades of planning and financial experience through several market cycles. Going beyond traditional investments, he demystifies the use of private equity, private debt and hedge funds to help achieve financial returns and minimize risk.
Upon graduating with a B.S. in Chemical Engineering from the Indian Institute of Technology, Kris obtained a graduate degree in Chemical & Biochemical Engineering from Rutgers University and an M.B.A. from the University of Chicago Booth School of Business. He was part of a core team of local businesses which resurrected the Roslyn Chamber of Commerce in NY. He is also a founding member of the NYC Chapter of a charitable organization, AIM for Seva USA, which provides value-based education and quality healthcare free of cost to needy children in rural India.
Kris and his wife, Ananda, have lived in Long Island’s north shore community of Roslyn/East Hills continuously for 40 years where they raised two loving children. As an avid photographer and world traveler, Kris enjoys quality time traveling with his family and friends. He is passionate about mentoring youth and professionals alike in career development.
Upon graduating with a B.S. in Chemical Engineering from the Indian Institute of Technology, Kris obtained a graduate degree in Chemical & Biochemical Engineering from Rutgers University and an M.B.A. from the University of Chicago Booth School of Business. He was part of a core team of local businesses which resurrected the Roslyn Chamber of Commerce in NY. He is also a founding member of the NYC Chapter of a charitable organization, AIM for Seva USA, which provides value-based education and quality healthcare free of cost to needy children in rural India.
Kris and his wife, Ananda, have lived in Long Island’s north shore community of Roslyn/East Hills continuously for 40 years where they raised two loving children. As an avid photographer and world traveler, Kris enjoys quality time traveling with his family and friends. He is passionate about mentoring youth and professionals alike in career development.
Securities Agent: NC, FL, TX, NJ, CA, CT, WA, NY, OH, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 578894
NMLS#: 578894
About Joseph Gillespie
Joe Gillespie joined Morgan Stanley in 2022 as a Registered Client Service Associate and has been a member of the Richard Jenkin & Thomas Ferrante team since 2023. Working closely with the team’s advisors, Joe focuses on daily operations and contributes to the delivery of an outstanding overall client service experience. His primary responsibilities involve multi-asset class trade execution, account opening and maintenance, wire execution, and a variety of other service activities. Since joining the team Joe has obtained his Series 7 & Series 66 Licenses.
Joe holds a Bachelor of Science degree in Business, with a dual concentration in Finance and Accounting, and a Master of Science in Accounting from the Stern School of Business at New York University.
In his free time, Joe enjoys traveling, golfing, skiing, and has been involved in various community volunteer groups.
Joe holds a Bachelor of Science degree in Business, with a dual concentration in Finance and Accounting, and a Master of Science in Accounting from the Stern School of Business at New York University.
In his free time, Joe enjoys traveling, golfing, skiing, and has been involved in various community volunteer groups.
About Katie Smielewski
Katie began her career at PaineWebber in 1996 as a Client Service Associate. She joined Morgan Stanley with Richard and Thomas in 2012. Katie is the initial point of contact and handles all aspects of client service for the team. Katie’s knowledge and experience make her an integral part of our team providing excellent client service. She currently holds her Series 7, 63, 66 and Life & Health Insurance Licenses.
Contact Richard Jenkin
Contact Thomas Ferrante
Contact Krishna Iyer
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
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
Article Image
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
Ready to start a conversation? Contact Richard Jenkin, Thomas Ferrante & Krishna Iyer today.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 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
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 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.
6Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
7Morgan 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.
8Insurance 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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 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
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 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.
6Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
7Morgan 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.
8Insurance 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
CRC 6491812 (04/2024)
