Michael Ryan
Private Banker
Rick Gumina, CRPS®, QPFC, C(k)P
Senior Vice President,
Financial Advisor,
Corporate Retirement Director,
Workplace Advisor - Equity Compensation,
Financial Wellness Director,
Chartered Retirement Plans Specialist
Direct:
(732) 389-5197(732) 389-5197
My Mission Statement
Experience, intellectual capital and dedicated personal service that make a difference.
Rick's Story
Rick is an experienced Financial Advisor and senior partner with The McNamee Group. For nearly 20 years, he has enjoyed helping affluent families and businesses achieve success, built on established objectives and seeing them through over time. As a distinguished advisor, Rick strives to provide a level of service beyond traditional financial advisory that is tailored to the unique needs of business owners, corporate executives, and retirement plan sponsors. As a single source of high quality advice, Rick helps to ease the worry and stress of complex financial challenges with holistic solutions, allowing clients to devote more time to leisure activities or running their business.
Rick was raised by two hard-working parents. His mother was a teacher and his father was an engineer. Their dedication to their respective fields inspired Rick to pursue a profession that would blend the best of both vocations and highlight his strengths: the desire to help others and make a real difference in their lives combined with a focus on precision, order, and rules to achieve intended results. During his studies at Monmouth University, he was offered the opportunity for an internship at Smith Barney (now Morgan Stanley) with Ed McNamee, the founder of the McNamee Group and father of his now-partner, Brett.
Upon graduation, he was hired full-time as an Investment Analyst. He continued a career path through Portfolio Management until ultimately making the decision to leverage his years of experience and investment skills to become a Financial Advisor. Since that time Rick has focused his expertise on the unique needs of executives and business owners and has become a key differentiator for the team, and a national strategic partner supporting other advisors nationally within Morgan Stanley where his specialized expertise is required for large and complex corporate retirement plans, non-qualified plans, defined benefit plans, equity compensation, and other capabilities within Morgan Stanley at Work’s corporate consulting and advisory.
Rick is among a distinguished few of less than two percent of Financial Advisors at Morgan Stanley to earn the Corporate Retirement Director designation. He has also earned such advanced certifications as Chartered Retirement Plans Specialist® (CRPS®) and Qualified Plan Financial Consultant (QPFC) to acquire special skills and knowledge to further enhance the breadth of advice he can provide.
Rick is regularly recognized as a top advisor. His team was recognized by Forbes as a Best in State Wealth Management team in 2024, was a Financial Times “400 Top Financial Advisors” recipient in 2019, a NAPA “Top Retirement Plan Advisors Under 40” awardee in 2018, and a 5 Star Wealth Manager Award winner 2016 through 2024. Rick was also a Morgan Stanley Pacesetter every year he was eligible (2014 through 2019), an honor that recognizes top young advisors at the firm.
As a firm believer in giving back to the communities in which he lives and works, Rick is on the Board of Directors for the Eastern Monmouth Chamber of Commerce, Monmouth University Business Council, and Monmouth University Executive Mentoring Program, where he volunteers his time to mentor students and recent graduates in career development. He and his wife, Christina, currently reside in Monmouth County with their son, Louie, daughter, Gabi, and their yellow Labrador, Brody. For leisure, Rick enjoys traveling with his family, staying current with the latest technology, and cooking – where he is known to spend entire weekends preparing “the world‘s best BBQ” in his backyard smoker.
Forbes Best-In-State Wealth Management Teams 2024
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23. For criteria & methodology, go to https://www.morganstanley.com/disclosures/awards-disclosure.html.
Financial Times 400 Top Financial Advisors 2019
Source: ft.com (Awarded Apr 2019) Data compiled by the Financial Times based on time period from 6/30/15 - 6/30/18. For criteria & methodology, go to https://www.morganstanley.com/disclosures/awards-disclosure.html.
2018 NAPA's Top Retirement Plan Advisors Under 40 (Young Guns)
Source: napa-net.org (Nov 2018) Data compiled by NAPA based on time period from Aug 2017 - Aug 2018. For criteria & methodology, go to https://www.morganstanley.com/disclosures/awards-disclosure.html.
*Five Star Wealth Manager Award 2015, 2021, 2022 and 2023
Source: fivestarprofessional.com (Awarded 2015, 2021, 2022 and 2023). Data compiled by Five Star Professional based on the following time periods:
2016 Award - 11/30/2015 through 05/18/2016
2017 Award - 09/26/2016 through 04/28/2017
2018 Award - 10/24/2017 through 05/21/2018
2019 Award - 10/22/2018 through 05/3/2019
2020 Award - 10/7/2019 through 04/24/2020
2021 Award - 09/21/2020 through 04/30/2021
2022 Award - 04/12/2021 through 10/15/2021
2023 Award - 03/21/2022 through 10/18/2022
2024 Award - 03/13/2023 through 09/29/2023
For criteria & methodology, go to https://fivestarprofessional.com/public/wmresearch
Rick was raised by two hard-working parents. His mother was a teacher and his father was an engineer. Their dedication to their respective fields inspired Rick to pursue a profession that would blend the best of both vocations and highlight his strengths: the desire to help others and make a real difference in their lives combined with a focus on precision, order, and rules to achieve intended results. During his studies at Monmouth University, he was offered the opportunity for an internship at Smith Barney (now Morgan Stanley) with Ed McNamee, the founder of the McNamee Group and father of his now-partner, Brett.
Upon graduation, he was hired full-time as an Investment Analyst. He continued a career path through Portfolio Management until ultimately making the decision to leverage his years of experience and investment skills to become a Financial Advisor. Since that time Rick has focused his expertise on the unique needs of executives and business owners and has become a key differentiator for the team, and a national strategic partner supporting other advisors nationally within Morgan Stanley where his specialized expertise is required for large and complex corporate retirement plans, non-qualified plans, defined benefit plans, equity compensation, and other capabilities within Morgan Stanley at Work’s corporate consulting and advisory.
Rick is among a distinguished few of less than two percent of Financial Advisors at Morgan Stanley to earn the Corporate Retirement Director designation. He has also earned such advanced certifications as Chartered Retirement Plans Specialist® (CRPS®) and Qualified Plan Financial Consultant (QPFC) to acquire special skills and knowledge to further enhance the breadth of advice he can provide.
Rick is regularly recognized as a top advisor. His team was recognized by Forbes as a Best in State Wealth Management team in 2024, was a Financial Times “400 Top Financial Advisors” recipient in 2019, a NAPA “Top Retirement Plan Advisors Under 40” awardee in 2018, and a 5 Star Wealth Manager Award winner 2016 through 2024. Rick was also a Morgan Stanley Pacesetter every year he was eligible (2014 through 2019), an honor that recognizes top young advisors at the firm.
As a firm believer in giving back to the communities in which he lives and works, Rick is on the Board of Directors for the Eastern Monmouth Chamber of Commerce, Monmouth University Business Council, and Monmouth University Executive Mentoring Program, where he volunteers his time to mentor students and recent graduates in career development. He and his wife, Christina, currently reside in Monmouth County with their son, Louie, daughter, Gabi, and their yellow Labrador, Brody. For leisure, Rick enjoys traveling with his family, staying current with the latest technology, and cooking – where he is known to spend entire weekends preparing “the world‘s best BBQ” in his backyard smoker.
Forbes Best-In-State Wealth Management Teams 2024
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23. For criteria & methodology, go to https://www.morganstanley.com/disclosures/awards-disclosure.html.
Financial Times 400 Top Financial Advisors 2019
Source: ft.com (Awarded Apr 2019) Data compiled by the Financial Times based on time period from 6/30/15 - 6/30/18. For criteria & methodology, go to https://www.morganstanley.com/disclosures/awards-disclosure.html.
2018 NAPA's Top Retirement Plan Advisors Under 40 (Young Guns)
Source: napa-net.org (Nov 2018) Data compiled by NAPA based on time period from Aug 2017 - Aug 2018. For criteria & methodology, go to https://www.morganstanley.com/disclosures/awards-disclosure.html.
*Five Star Wealth Manager Award 2015, 2021, 2022 and 2023
Source: fivestarprofessional.com (Awarded 2015, 2021, 2022 and 2023). Data compiled by Five Star Professional based on the following time periods:
2016 Award - 11/30/2015 through 05/18/2016
2017 Award - 09/26/2016 through 04/28/2017
2018 Award - 10/24/2017 through 05/21/2018
2019 Award - 10/22/2018 through 05/3/2019
2020 Award - 10/7/2019 through 04/24/2020
2021 Award - 09/21/2020 through 04/30/2021
2022 Award - 04/12/2021 through 10/15/2021
2023 Award - 03/21/2022 through 10/18/2022
2024 Award - 03/13/2023 through 09/29/2023
For criteria & methodology, go to https://fivestarprofessional.com/public/wmresearch
Securities Agent: WA, VA, TX, PA, OH, NY, NV, NJ, NC, MI, MD, MA, LA, IL, FL, DC, CA, AZ, CO, AL, SC, DE, GA, CT, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 1279549
NMLS#: 1279549
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You:
The hallmark of my wealth management process is a longstanding commitment to building customized solutions from the ground up. My 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 your wealth with others.
Step 1: Introduction
We begin with an informal discussion to understand your financial concerns and determine how we can add value. If we all agree to move forward, we’ll schedule our next meeting and request important financial information.
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 any unique circumstances. We also review the documents you’ve prepared and define your priorities.
Step 3: Analysis & Plan Development
Here, we utilize proprietary financial planning tools to develop a personalized and detailed plan with recommendations to help you grow and preserve 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 premium service, we focus on developing a relationship that provides special value to you and your family. As we begin to execute each strategy, we’ll set up tools so you have immediate access to your account information. And because markets and personal needs evolve over time, we set up ongoing meetings to ensure your plan remains on schedule to achieve your goals.
My Services:
Business Planning
The links between business ownership and personal wealth are many and complex. Whether your objective is to grow your business, realize its value through a succession strategy or sale, or maintain family ownership through the next generation, we will help you examine your alternatives and develop the best strategy to achieve your goals.
Business Succession Planning
Owning a business represents years, if not decades, of hard work and entrepreneurial savvy. Yet, even the most astute business owners are often unfamiliar with the complexities that go into a successful succession strategy. We understand your succession in the context of your overall financial picture. We also work closely with your other financial advisors to help ensure your priorities are reflected in your succession strategy.
Financial Planning
The cornerstone of an effective wealth management plan is comprehensive financial planning, which captures your goals, resources and expectations for the future. Effective planning can potentially lead to successful education and retirement income funding. It helps eliminate blind spots, and helps ensure legacy goals are met.
Wealth Management
Wealth management brings all the dimensions of your life together. We listen carefully to understand the connections across your personal life, your family, your career, and your legacy goals to develop an integrated strategy that is uniquely yours.
Estate Planning Strategies
Delivering an estate to the next generation or favorite charity requires more attention than families often realize. We coordinate with your estate and tax professionals to align your legacy goals with the appropriate asset titling and beneficiary designation requirements, incorporating best practices to help enhance results.
Asset Management
Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes about investing with careful analysis of the financial markets. Working together, we create a personalized strategy that applies long-held investment principles to help your assets appreciate appropriately or generate income as you require.
My Services:
Managing comprehensive retirement savings plans for your organization takes a unique set of skills. As a fiduciary, you are responsible for selecting and monitoring service providers and investments while also being committed to understanding and implementing ERISA regulations. You must also continue to create fresh strategies to encourage your employees to take full advantage of the program. For many plan sponsors, these responsibilities can be overwhelming.
That's where I can help.
With a commitment to outstanding service and an emphasis on excellence, my mission is simple: to provide objective and high-quality guidance, specialized knowledge and experience, and tailored solutions to empower your organization to make informed decisions about the retirement benefits you offer to your employees. Managing retirement benefits that align with your organization’s vision involves many decisions across multiple disciplines. I will work with you to understand your vision and craft a customized plan that supports your organization and your employees.
That's where I can help.
With a commitment to outstanding service and an emphasis on excellence, my mission is simple: to provide objective and high-quality guidance, specialized knowledge and experience, and tailored solutions to empower your organization to make informed decisions about the retirement benefits you offer to your employees. Managing retirement benefits that align with your organization’s vision involves many decisions across multiple disciplines. I will work with you to understand your vision and craft a customized plan that supports your organization and your employees.
I take pride in helping plan fiduciaries and investment committees feel confident in their decisions through process and customized solutions to simplify even the most complex challenges. I know what it takes to achieve results and drive outcomes by fully leveraging all the resources available through Morgan Stanley at Work to support your vision.
My comprehensive approach assists sponsors design and manage the best possible benefit offerings, navigate their fiduciary responsibilities, and help their employees understand how to make the most of the benefits they are being offered. Morgan Stanley at Work’s breadth of integrated solutions provides maximum flexibility so you may define the service model and level of discretion that best meet your organization’s needs today and in the future. No matter your challenges and goals, we have resources to deliver the solutions that you and your employees deserve.
My comprehensive approach assists sponsors design and manage the best possible benefit offerings, navigate their fiduciary responsibilities, and help their employees understand how to make the most of the benefits they are being offered. Morgan Stanley at Work’s breadth of integrated solutions provides maximum flexibility so you may define the service model and level of discretion that best meet your organization’s needs today and in the future. No matter your challenges and goals, we have resources to deliver the solutions that you and your employees deserve.
Eastern Monmouth County Chamber of Commerce
Board Member
Monmouth University Business Council
Counsel Member
Forbes Best-In-State Wealth Management Team 2025
Source: Forbes.com (Jan 2025) 2025 Forbes Best-In-State Wealth Management Teams ranking awarded in 2025. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) for the period from 3/31/23–3/31/24. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC, for placement on its rankings. This ranking is based on in-person and telephone due diligence meetings to evaluate each Financial Advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and may not be representative of any one client’s experience; investors must carefully choose the right Financial Advisor or team for their own situation and perform their own due diligence. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com.
© 2024 Morgan Stanley Smith Barney LLC. Member SIPC.
© 2024 Morgan Stanley Smith Barney LLC. Member SIPC.
Forbes Best-In-State Wealth Management Team 2024
Source: Forbes.com (Jan 2024) 2024 Forbes Best-In-State Wealth Management Teams ranking awarded in 2024. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) for the period from 3/31/22–3/31/23. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC, for placement on its rankings. This ranking is based on in-person and telephone due diligence meetings to evaluate each Financial Advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and may not be representative of any one client’s experience; investors must carefully choose the right Financial Advisor or team for their own situation and perform their own due diligence. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com.
© 2024 Morgan Stanley Smith Barney LLC. Member SIPC.
© 2024 Morgan Stanley Smith Barney LLC. Member SIPC.
NAPA Top DC Advisor Team 2024
Source: napa-net.org awarded in 2024. Each ranking was determined based on self-reported defined contribution (DC) assets under advisement (AUA) as of Dec. 31 of the year prior to the year the award was given. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to NAPA to obtain or use the ranking. Nominees must be individual advisor team/offices with a defined contribution book of business, in a single physical location. To be considered, firms had to submit responses to an application form, including information about their practices, notably their defined contribution (DC) assets under advisement. The list is created and conducted by the National Association of Plan Advisors, an affiliate organization of the American Retirement Association, a non-profit association. Ratings are based on the opinion of NAPA and may not be representative of any one client’s experience nor indicative of the advisor’s future performance.
©2024 Morgan Stanley Smith Barney LLC. Member SIPC.
©2024 Morgan Stanley Smith Barney LLC. Member SIPC.
2019 Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded Apr 2019) Data compiled by the Financial Times based on time period from
6/30/15 - 6/30/18. For criteria & methodology, go to https://www.morganstanley.com/disclosures/awards-disclosure.html.
6/30/15 - 6/30/18. For criteria & methodology, go to https://www.morganstanley.com/disclosures/awards-disclosure.html.
Client Service Team
Cheryl Mara - Group Director, Assistant Vice President
Phone:
(732) 389-8649(732) 389-8649
Email:Cheryl.A.Mara@MorganStanley.com
Diana Bredbenner - Senior Client Service Associate
Phone:
(732) 389-8637(732) 389-8637
Email:Diana.L.Bredbenner@MorganStanley.com
Chris King - Consulting Group Analyst
Phone:
(732) 389-5179(732) 389-5179
Email:Christopher.King@MorganStanley.com
Location
1030 Broad Street
3rd Floor
Shrewsbury, NJ 07702
US
Direct:
(732) 389-5197(732) 389-5197
Fax:
(732) 544-9070(732) 544-9070
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
About Michael Ryan
Michael Ryan is a Private Banker serving Morgan Stanley Wealth Management offices in New Jersey.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Michael began his career in financial services in 2010 and joined Morgan Stanley in 2017. Prior to joining the firm, he was a Citigold Relationship Manager for Citibank in Queens, NY. Michael was also a Private Client Banker with JP Morgan Chase Bank in New Jersey.
Michael is a graduate of Ramapo College where he received a Bachelor of Science with a concentration in Law and Society Studies. He lives at the Jersey Shore, with his family. Outside of the office, Michael donates his time to the Juvenile Diabetes Research Foundation. He enjoys playing golf, skiing, the beach, and spending time with his family.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Michael began his career in financial services in 2010 and joined Morgan Stanley in 2017. Prior to joining the firm, he was a Citigold Relationship Manager for Citibank in Queens, NY. Michael was also a Private Client Banker with JP Morgan Chase Bank in New Jersey.
Michael is a graduate of Ramapo College where he received a Bachelor of Science with a concentration in Law and Society Studies. He lives at the Jersey Shore, with his family. Outside of the office, Michael donates his time to the Juvenile Diabetes Research Foundation. He enjoys playing golf, skiing, the beach, and spending time with his family.
NMLS#: 600637
Wealth Management
From My Desk
December Washington Update
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
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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Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
State of the Workplace Study 2023
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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 Rick Gumina today.
1When 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.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4When 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.
5Morgan 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.
6Morgan 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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 Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4When 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.
5Morgan 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.
6Morgan 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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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.
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Awards Disclosures
CRC 6491812 (04/2024)
