Dawn Uchihara
Senior Registered Client Service Associate
Phone:
(310) 543-0256(310) 543-0256
Bob Vogelsang, CFP®
Executive Director,
Financial Advisor,
Financial Planning Specialist,
Lending Specialist,
Alternative Investments Director
Direct:
(310) 543-0242(310) 543-0242
Toll-Free:
(800) 221-8764(800) 221-8764
Industry Award WinnerMy Mission Statement
My primary focus is helping my clients achieve near and long-term objectives that support the kind of life they want to live, and the legacy they want to leave. I strive to provide custom-tailored financial advice designed to give clients and their families the confidence to achieve their goals and aspirations.
MY STORY
Starting in 1989, Bob has accumulated over 35 years of experience in the financial services industry. His passion for the business lies in helping clients navigate their financial goals while also engaging with multiple generations within a family - both of which he finds extremely rewarding.
What he enjoys most when working with clients is sitting down and listening to their stories, learning as much as possible about them before diving deep into their finances. With this information, he develops a holistic, individualized plan tailored to their needs. He continuously updates these plans throughout the various stages of his clients' lives and, in many cases, begins working with the next generation.
He works alongside his partner, Bob Miller, and together they bring 75 years of combined investment experience. Both handle the investment decisions, with the analytical work being conducted behind the scenes by their Consulting Group Analyst, Jacob Aruta. The Client Service Associates, Dawn Uchihara and Eric Suh, manage the operational aspect of the business. Additionally, Kevin Petersen, who has several years of industry experience, joined the team in 2021, and Blake Vogelsang has been part of the team for over a year. Kevin and Blake play a pivotal role when it comes to the success of the practice. On a day-to-day basis, Kevin and Blake can be found reviewing portfolio asset allocation with existing clients as well as introducing new clients to the team's actively managed portfolios. When they are not reviewing securities, Kevin and Blake facilitate the new client onboarding process as well as schedule financial planning meetings for clients that need to review their plan or implement updates.
Bob has earned a Bachelor of Science in Business Administration from California State University, Dominguez Hills. Since then, he has received the Financial Planning Specialist designation, Lending Specialist certifications, and completed the rigorous academic Graziadio Planning Program.
In 2023, he obtained the Certified Financial Planner (CFP) designation, which recognizes a combination of substantial financial planning experience, completion of a comprehensive and highly specialized educational program, and demonstrated real - world applications of core competencies.
In 2024 & 2025, Bob was named as one of Forbes Best-In-State Wealth Advisors which is a testament to his professional experience and dedication to his clients.
(Source: Forbes.com (Awarded April 2024 & April 2025) Data compiled by SHOOK Research LLC based on time period from 6/30/22-6/30/23 & 6/30/2023-6/30/2024).
A longtime resident of Redondo Beach, he has lived there for nearly 50 years and is fortunate to have his immediate family nearby. He has been married to his wife, Lee, for 25 years, and they have two sons: Blake (24) and Brad (22), who is currently attending UCSB.
Outside of work, he enjoys being outdoors, whether spending time at the beach with family or deep sea-fishing with friends. He and his wife love to travel, listen to live music, and spend quality time with their children. He is also an active community member, having coached his sons in soccer for 10 years at AYSO Region 34, as well as coaching basketball and serving as a commissioner for HBYB for six years. He had volunteered at local schools and contributed to the Redondo Union High School water polo program while his sons played there. More recently, he became a member of the Elks National Hoop Shoot basketball program.
With over 35 years of experience, he has always prioritized a personal, client-focused approach to financial planning. He believes that understanding clients' goals, values, and family dynamics is key to developing and maintaining a comprehensive financial strategy that evolves with their lives. His commitment to ongoing education, professional development, and community involvement reflects his dedication not only to his clients but also to the broader community. As he continues to work with his team at Morgan Stanley, he looks forward to helping more families achieve their financial goals and secure their financial future.
Associations
- Hermosa Beach Youth Basketball (HBYB)
- Lanakila Outrigger King Harbor
- Trojan Water Polo Club
- American Youth Soccer Organization (AYSO) Region 34
- Elks Lodge #1378
- California Surf Club - Founding Member
Education
- Pepperdine Graziadio Business School Financial Planning Program
- Certified Financial Planner™
- Financial Planning Specialist Designation
- Series 7 - General Securities License
- Series 31 - Futures Managed Funds Exam
- BS - Business Administration, 1995 California State University - Domiguez Hills Domiguez Hills, CA
- Series 63 - Uniform State Exam
- Series 65 - Investment Advisory Agent
- Life & Health Insurance - CA Insurance License #: 0B76055
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Wealth ManagementFootnote3
- Estate Planning StrategiesFootnote4
- Asset Management
- Professional Portfolio ManagementFootnote5
- Qualified Retirement PlansFootnote6
- Lending Products
- Alternative InvestmentsFootnote7
- Trust ServicesFootnote8
- Cash ManagementFootnote9
- Long Term Care InsuranceFootnote10
Securities Agent: MO, AL, WA, VA, ID, AZ, AR, UT, OH, MI, LA, IN, OR, NC, CT, SC, RI, MN, MD, KY, HI, TX, FL, AK, WV, NY, NV, NM, IL, GA, DC, PA, ME, TN, NH, NE, MA, CO, CA, MT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1255706
CA Insurance License #: 0B76055
NMLS#: 1255706
CA Insurance License #: 0B76055
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
WORKING WITH YOU
At Morgan Stanley, we believe that identifying financial solutions begins with a solid understanding of each client's situation, goals, objectives, and risk tolerance. We follow a disciplined process that allows us to work with you to craft a solution that helps to meet your individual financial needs.
Step 1: Introductory Meeting
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals - whether that involves planning for retirement, purchasing a home, or living out your golden years. We will work together to establish your financial goals by reviewing your current financial situation and developing an appropriate risk tolerance that can help you achieve the financial outcome you envision for yourself.
Step 3: Implementing Your Plan
We apply extensive research and analysis, and also utilize Morgan Stanley's full suite of resources to ensure swift decisive action in all market scenarios. We will provide a financial plan presentation to map out essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage. Examining relevant financial information provides a holistic asset allocation analysis for your accounts helping ensure a comprehensive financial plan.
Step 2: Forming Your Strategy
Using your life goals as our compass, we create a risk-balanced strategy which maps a clear path to achieving your success. We consider all of your challenges, goals, and aspirations when building your financial picture, and create prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving/benefit modifications.
Step 4: Measuring & Monitoring Your Success
We check in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards your goals. We will be monitoring your assets and analyzing your performance tracking data seeking to ensure your financial expectations are being met and adjusted accordingly. Our ultimate mission is your success and well-being.
Financial Planning With Bob Vogelsang
Your financial plan should include more than just your investment objectives. Rather, it should be tailored to address the personal life and legacy goals you've identified and prioritized.
Bob's planning process begins with you, your personal goals, your financial goals, and your investment objectives. It is holistic in its approach and encompasses all the key elements of your financial life as well as your cash management needs. Your curated wealth plan includes research and recommendations across a wide range of asset classes, themes, models, and investment managers to accomplish your objectives.
The CFP® Professional:
Bob Vogelsang is certified by the CFP® Board. The CFP® designation shows that Bob has taken the extra step to demonstrate commitment and professionalism by voluntarily submitting to the rigorous CFP® certification process to better serve his clients.
The certification process includes demanding education, examination, experience, and ethical requirements. These four cornerstones set the foundation for the ability in helping clients achieve their goals. Bob's diverse skillsets can help you navigate the complicated financial factors in your life.
Our LifeView® Platform:
Using Morgan Stanley's LifeView® platform - Bob can create your personal roadmap to help achieve and protect your goals - a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
LifeView® helps us help you:
- Analyze your current investments and financial situation
- Review and prioritize your goals with you, such as retirement
- Education funding
- Major purchases and philanthropic goals
- Protect your goals
- Develop wealth transfer strategies
Discover
Start with a conversation to gain a thorough understanding of your needs, lifestyle and family - and your goals for the future.
Advise
We work with you to develop portfolio strategies to help you achieve and protect the outcomes you envision.
Implement
Look across multiple accounts and products to help you implement solutions that are an appropriate fit for your strategy.
Track Progress
We help you track your progress as well as spending and savings to help ensure you remain on track toward your goals.
My Suite of Services
As wealth grows, so do its complexities and the resources needed to manage it effectively. I leverage my experience and relationships to deliver innovative strategies that are tailored to your needs. I look forward to speaking with you to understand your challenges, so we can map out a strategy to help achieve your particular priorities and goals.
Wealth Management
I take a holistic approach to bring all the aspects of your financial life together. I use my analysis and experience to develop a customized plan for you.
Financial Planning
The Morgan Stanley Wealth Management Process begins with you, your investment objectives and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life - your investments and your cash management needs - making sure they align with your goals and wealth management plan.
Retirement Planning
This is paramount and ensuring a successful retirement. We bring intense focus on this process. You have worked hard to get where you are at. Now it is up to us to help you live the retirement you have always dreamed of.
Professional Portfolio Management
As your portfolio manager, I will work closely with you to understand your needs while maintaining the focus and discipline necessary to guide your portfolio in the most challenging market cycles.
Cash Management and Lending Products
As a Morgan Stanley client, you have access to a comprehensive suite of cash management solutions. This includes eAuthorizations, Bill Pay, Morgan Stanley Debit Cards and more.
Estate Planning Strategies
Estate planning is the process of making arrangements to pass down wealth and assets after a person’s death. Proper estate planning gives careful consideration to the estate owner’s future plans, preferences and goals. The tax implications of the plan should also be thoroughly documented.
Trust Services
A trust account is an account established under a trust agreement that contains funds contributed by one person (the grantor) held by one person (the trustee) for the benefit of another person (the beneficiary).
Long Term Care Insurance
Long-term care insurance helps to pay the cost of a broad range of personal and custodial care services an individual may need over an extended period of time. These costs may not be covered under major medical plans and can be a threat to retirement savings.
Alternative Investments
Morgan Stanley launched its alternative investment business in 1977 with the founding of Morgan Stanley Real Estate and Morgan Stanley Managed Futures. Today, the firm is a global leader in alternative investments, offering a comprehensive suite of products that encompasses both proprietary and third-party managers.
Fixed Income
In times of market volatility, individuals sometimes consider fixed income positions in order to provide them with further diversification, generate a specific level of interest income, preserving capital, and be exposed to potential tax exemptions.
Valuable Tools and Resources:
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies that we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Morgan Stanley Online
Beyond viewing your account balance and activity, 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.
Learn More
Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool.
Learn More
Total Wealth View
View all your external financial accounts directly in Morgan Stanley Online or the mobile app. By linking your accounts, you'll benefit from more informed wealth planning, secure data access and convenient connectivity.
Learn More
Digital Vault
Digital Vault allows for easy sharing and convenient access to your most important documents from wills and deeds to financial statements and tax fillings. Easily manage your encrypted financial records all in one place.
Learn More
eDelivery
eDelivery provides you with the ability to view statements and other documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Learn More
Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
Learn About Our Planning Tools
Family Office Resources
Morgan Stanley Family Office Resources provides specialized, technical expertise to select clients across a broad range of family wealth management issues. Our core capabilities span three complimentary areas of focus including Governance & Legacy, Wealth Strategies and Signature Access.
Learn MoreMS Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn More
Cyber Security Resources
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, join Morgan Stanley's Chief Investment Officer and Chief US Equity Strategist as he and his colleagues discuss their viewpoints regarding the latest trends in the financial marketplace.
Access The Latest Episode
GIC On the Markets
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read The Latest Report
GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read The Latest Report
What Should I Do with My Money? Podcast
Managing our money is one of the most important aspects of our lives, and yet, many people don't have someone they can depend on for help when they need it.
On this podcast, we match real people, asking real questions about their money, with experienced Financial Advisors.
Listen To The Latest EpisodeOn this podcast, we match real people, asking real questions about their money, with experienced Financial Advisors.
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 Federal Tax RatesLocation
21250 Hawthorne Blvd
Ste 650
Torrance, CA 90503
US
Direct:
(310) 543-0242(310) 543-0242
Toll-Free:
(800) 221-8764(800) 221-8764
Fax:
(213) 462-1028(213) 462-1028
Meet My Team
Kevin Petersen
Registered Client Service Associate
Phone:
(310) 543-0224(310) 543-0224
Blake Vogelsang
Registered Client Service Associate
Phone:
(310) 543-0212(310) 543-0212
Jacob Aruta
Consulting Group Analyst
Phone:
(310) 543-0217(310) 543-0217
Eric Suh
Registered Client Service Associate
Phone:
(310) 543-0282(310) 543-0282
About Dawn Uchihara
As a Registered Senior Client Service Associate, Dawn Uchihara’s primary focus is providing excellent customer service and administrative support to Bob and his clients.
Dawn started with Morgan Stanley in 1987 and has greatly enjoyed working with Bob’s clients and building relationships over the years.
Outside of work, Dawn enjoys weekend getaways, and spending time with both her cats and family.
Professional Details:
Series 7
Series 63
Dawn started with Morgan Stanley in 1987 and has greatly enjoyed working with Bob’s clients and building relationships over the years.
Outside of work, Dawn enjoys weekend getaways, and spending time with both her cats and family.
Professional Details:
Series 7
Series 63
About Kevin Petersen
As a Registered Client Service Associate, Kevin Petersen assists Bob and the rest of the team with a wide range of responsibilities. On any given day this could include the following, providing administrative support, helping create financial plans, preparing for portfolio reviews and much more.
Kevin is a graduate of Cal State Fullerton, where he received a degree in criminal justice. Outside of work, Kevin enjoys spending time with family and friends as much as possible. On top of that he enjoys fishing, golfing, and all major sports. He strives to travel as much as often, whether this is fishing trips with his dad or exploring new vacation spots with his girlfriend.
Professional Details:
Series 7
Series 66
Life and Health Insurance License
Kevin is a graduate of Cal State Fullerton, where he received a degree in criminal justice. Outside of work, Kevin enjoys spending time with family and friends as much as possible. On top of that he enjoys fishing, golfing, and all major sports. He strives to travel as much as often, whether this is fishing trips with his dad or exploring new vacation spots with his girlfriend.
Professional Details:
Series 7
Series 66
Life and Health Insurance License
About Blake Vogelsang
Blake also serves as a Registered Client Service assisting Bob and the rest of the team. His main responsibilities include, but are not limited to, providing administrative support, helping create financial plans, preparing for portfolio reviews and more. Blake has a keen eye for detail and a commitment to excellence and helps his team's clients achieve their financial goals seamlessly.
Blake attended the University of California Santa Barbara earning a degree in Sociology. Outside of work, Blake enjoys playing sports such as basketball, spike ball and water polo. He also values the close relationship that he has with his family. He very much enjoys taking family trips and spending days at the beach in Mexico. He considers himself lucky to have such a great relationship with his younger brother, Brad. Blake also enjoys watching sports, especially basketball. He also plans on traveling around the world in his free time.
Professional Details:
Life and Health Insurance License
Series 7
Series 66
Blake attended the University of California Santa Barbara earning a degree in Sociology. Outside of work, Blake enjoys playing sports such as basketball, spike ball and water polo. He also values the close relationship that he has with his family. He very much enjoys taking family trips and spending days at the beach in Mexico. He considers himself lucky to have such a great relationship with his younger brother, Brad. Blake also enjoys watching sports, especially basketball. He also plans on traveling around the world in his free time.
Professional Details:
Life and Health Insurance License
Series 7
Series 66
About Jacob Aruta
Jacob Aruta is a native of the Bay Area and moved to southern California to attend Whittier College. He holds a bachelor’s degree, in business from Whittier College where he concentrated in management. In addition, while at Whittier College he formed part of; and was Captain of the Basketball team.
He currently lives in Los Angeles, CA with his girlfriend, and their cat, Lil Gucci.
Professional Details:
Series 7
Series 66
Life and Health Insurance License
He currently lives in Los Angeles, CA with his girlfriend, and their cat, Lil Gucci.
Professional Details:
Series 7
Series 66
Life and Health Insurance License
About Eric Suh
As a Registered Client Service Associate, Eric supports Bob and the team with a focus on delivering excellent client service. With extensive experience in wealth management and banking, Eric brings valuable experience to his role. He earned his bachelor of arts in business administration with a concentration in finance.
Originally from Philadelphia, Eric was a competitive swimmer during his youth, achieving notable success in the Junior Olympics and earning national rankings. Outside of the office, he is passionate about culinary adventures, from experimenting with BBQ recipes to discovering new local foods. Eric also enjoys quality time with his dog, Cookie, and finds joy in visiting Disneyland with his wife, sharing in the magic and fun of the park.
Professional Details:
Series 7
Series 66
Originally from Philadelphia, Eric was a competitive swimmer during his youth, achieving notable success in the Junior Olympics and earning national rankings. Outside of the office, he is passionate about culinary adventures, from experimenting with BBQ recipes to discovering new local foods. Eric also enjoys quality time with his dog, Cookie, and finds joy in visiting Disneyland with his wife, sharing in the magic and fun of the park.
Professional Details:
Series 7
Series 66
Awards and Recognition
Forbes Best-In-State Wealth Advisors
2024-2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Five Star Wealth Advisor
Source: fivestarprofessional.com (Awarded 2013-2025) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2013 Award - 05/22/2012 through 10/16/2012
2014 Award - 05/22/2013 through 10/16/2013
2015 Award - 05/22/2014 through 10/16/2014
2016 Award - 05/22/2015 through 10/16/2015
2017 Award - 02/25/2016 through 10/24/2016
2018 Award - 03/23/2017 through 10/13/2017
2019 Award - 03/26/2018 through 10/16/2018
2020 Award - 03/1/2019 through 10/25/2019
2021 Award - 03/30/2020 through 10/9/2020
2022 Award - 03/29/2021 through 10/1/2021
2023 Award - 03/28/2022 through 09/23/2022
2024 Award - 02/13/2023 through 08/31/2023
2025 Award - 02/13/2024 through 08/30/2024
2
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
Megan Cornille
Private Banker
Molly Sakahara, CFP®
Financial Planning Director, Assistant Vice President
About Megan Cornille
Megan Cornille is a Private Banker serving Morgan Stanley Wealth Management offices in California.
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.
Megan began her career in financial services in 2010, and joined Morgan Stanley in 2016 as an Associate Private Banker. Prior to joining the firm, she was a Private Client Banker at JP Morgan Chase. She also served as a Personal Banker at U.S. Bank.
Megan is a graduate of the University of California - Irvine, where she received a Bachelor of Science in Molecular Biology. She lives in Torrance, California with her family. Outside of the office, Megan enjoys running, traveling with her family and volunteering at her son’s school.
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.
Megan began her career in financial services in 2010, and joined Morgan Stanley in 2016 as an Associate Private Banker. Prior to joining the firm, she was a Private Client Banker at JP Morgan Chase. She also served as a Personal Banker at U.S. Bank.
Megan is a graduate of the University of California - Irvine, where she received a Bachelor of Science in Molecular Biology. She lives in Torrance, California with her family. Outside of the office, Megan enjoys running, traveling with her family and volunteering at her son’s school.
NMLS#: 606638
About Molly Sakahara
Molly Sakahara is an Assistant Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in the Los Angeles area. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Molly began her career in financial services in 1999 and joined Morgan Stanley in 2015. Prior to her current position, she held positions in wealth management and private banking with an emphasis on helping individuals achieve long term life goals and understanding client’s value system in relation to their wealth.
Molly graduated from UCLA and holds her Certified Financial Planner® designation, California insurance state licensing, and Series 7 and 65. She currently resides in South Pasadena, California with her spouse and two children. Outside of work, she is a squash coach at PlayLA, a committee volunteer with UCLA Chancellor’s Society, is the founder and administrator of Buy Nothing Group for her local city, and serves on the Board of Directors for SoCal Squash Association.
Molly began her career in financial services in 1999 and joined Morgan Stanley in 2015. Prior to her current position, she held positions in wealth management and private banking with an emphasis on helping individuals achieve long term life goals and understanding client’s value system in relation to their wealth.
Molly graduated from UCLA and holds her Certified Financial Planner® designation, California insurance state licensing, and Series 7 and 65. She currently resides in South Pasadena, California with her spouse and two children. Outside of work, she is a squash coach at PlayLA, a committee volunteer with UCLA Chancellor’s Society, is the founder and administrator of Buy Nothing Group for her local city, and serves on the Board of Directors for SoCal Squash Association.
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
A Simple Six-Step Retirement Checkup
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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
529 Plans: A Powerful Tool to Save for Education
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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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Ready to start a conversation? Contact Bob Vogelsang today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley 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.
2When 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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
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.
8Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
9Morgan 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
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER® and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley 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.
2When 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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
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.
8Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
9Morgan 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
10Insurance 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)
