Robert W. Johnson
Financial Advisor,
Financial Planning Specialist
Direct:
(970) 776-5521(970) 776-5521
Toll-Free:
(800) 618-2075(800) 618-2075
My Mission Statement
For over 45 years, The Robert L Johnson Group has emphasized excellence in the pursuit of your financial goals and objectives. Our highly credentialed family-built team works with High-Net-Worth investors seeking the highest caliber of wealth planning and advice.
About Us
Helping you achieve financial success is our first priority. The Robert L. Johnson Group at Morgan Stanley has meaningful knowledge about every major asset class and a presence in every major market, as well as investment research from some of the world's most respected analysts.
Together, we will formulate a strategy to help you achieve your most important goals and deliver a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve.
Forbes Best-In-State Wealth Management Teams 2024 - The Robert L Johnson Group
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based on the time period from 3/31/22–3/31/23.
Services Include
- Wealth ManagementFootnote1
- Professional Portfolio ManagementFootnote2
- Retirement PlanningFootnote3
- Financial PlanningFootnote4
- Life InsuranceFootnote5
- AnnuitiesFootnote6
- Cash Management and Lending ProductsFootnote7
- Estate Planning StrategiesFootnote8
- Endowments and FoundationsFootnote9
- Divorce Financial AnalysisFootnote10
- Executive Financial ServicesFootnote11
- 401(k) Rollovers
- Business Succession PlanningFootnote12
- Fixed IncomeFootnote13
- Planning for Education FundingFootnote14
Securities Agent: WA, VA, NH, NC, WV, WI, NM, NJ, OK, CA, MD, PA, GA, AZ, TN, SC, NV, FL, AK, WY, UT, TX, ID, CO, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 1822013
CA Insurance License #: 0M77169
NMLS#: 1822013
CA Insurance License #: 0M77169
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Biography
Robert W. Johnson is a Financial Advisor with Morgan Stanley in Loveland, CO. He began his financial services career as a Registered Client Service Associate at Morgan Stanley’s national branch in Tampa, FL. Frequently exceeding firm goals and expectations, Robert was instrumental as an instructor during the opening of their state-of-the-art facility in Phoenix, AZ.
Later in 2018 he joined The Robert L. Johnson Group at Morgan Stanley, recipient of the prestigious Forbes Best-In-State Wealth Management Teams award*. He received the designation of Financial Planning Specialist while working in the Las Vegas, NV branch, and has also been a member of the Pacesetters Club from 2021-2024.
As a Graduate of Colorado State University (CSU), Robert earned a Bachelor of Science in Business Administration with a Finance concentration and double option in both Investment Analysis and Corporate Finance.
While attending CSU, Robert established a successful social media marketing business. As an influencer, he managed corporate relationships through product analysis and content creation in support of the marketing needs of many companies. This was done while pursuing a full-time education, and concurrently working in the restaurant industry as a chef and consultant.
Robert is also an alumnus of Le Cordon Bleu in San Francisco, a world-renowned college of hospitality and culinary arts. Ranking top of his class during his time there, he excelled in all subjects. This education reinforced the importance of a detail oriented and client focused approach.
Growing up around the financial industry, Robert has been mentored by many of its respected veterans including his father Robert L. Johnson, an Executive Director, Financial Advisor, and Certified Portfolio Manager at Morgan Stanley with over 45 years of experience.
Beyond his role with Morgan Stanley, Robert enjoys giving back to the community. Some activities include volunteering at the Humane Society, participating in 5Ks for awareness, and supporting outdoor conservation. He attended Citizens Police Academy in Colorado and has studied a variety of martial arts. In his free time, he enjoys cooking, gardening, and spending time exploring the outdoors.
Robert is a FINRA Series 66 registered Investment Advisor Representative, as well as a Series 7 Registered Representative with Morgan Stanley in their Loveland, CO Branch located at 6125 Sky Pond Drive, Suite 100. He can be reached at 970-776-5521.
2024 Forbes Best-In-State Wealth Management Teams.
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/23.
Later in 2018 he joined The Robert L. Johnson Group at Morgan Stanley, recipient of the prestigious Forbes Best-In-State Wealth Management Teams award*. He received the designation of Financial Planning Specialist while working in the Las Vegas, NV branch, and has also been a member of the Pacesetters Club from 2021-2024.
As a Graduate of Colorado State University (CSU), Robert earned a Bachelor of Science in Business Administration with a Finance concentration and double option in both Investment Analysis and Corporate Finance.
While attending CSU, Robert established a successful social media marketing business. As an influencer, he managed corporate relationships through product analysis and content creation in support of the marketing needs of many companies. This was done while pursuing a full-time education, and concurrently working in the restaurant industry as a chef and consultant.
Robert is also an alumnus of Le Cordon Bleu in San Francisco, a world-renowned college of hospitality and culinary arts. Ranking top of his class during his time there, he excelled in all subjects. This education reinforced the importance of a detail oriented and client focused approach.
Growing up around the financial industry, Robert has been mentored by many of its respected veterans including his father Robert L. Johnson, an Executive Director, Financial Advisor, and Certified Portfolio Manager at Morgan Stanley with over 45 years of experience.
Beyond his role with Morgan Stanley, Robert enjoys giving back to the community. Some activities include volunteering at the Humane Society, participating in 5Ks for awareness, and supporting outdoor conservation. He attended Citizens Police Academy in Colorado and has studied a variety of martial arts. In his free time, he enjoys cooking, gardening, and spending time exploring the outdoors.
Robert is a FINRA Series 66 registered Investment Advisor Representative, as well as a Series 7 Registered Representative with Morgan Stanley in their Loveland, CO Branch located at 6125 Sky Pond Drive, Suite 100. He can be reached at 970-776-5521.
2024 Forbes Best-In-State Wealth Management Teams.
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/23.
Financial Planning with The Robert L Johnson Group
We enjoy helping people just like you and understand that your specific circumstances may require unique solutions. We work with you to develop detailed wealth plans and concrete strategies.
As Financial Planning Specialists, Miles and I have chosen to undergo the continuing education requirements to understand the fundamentals of wealth accumulation and wealth management so that we can better serve our clients, from high-net-worth individuals to mid-career professionals and nonprofit organizations, to seniors that are near or in retirement. Using Morgan Stanley's Goals Planning System, we can work with you to implement a plan to help achieve your financial and personal goals at any stage of life.
Morgan Stanley's Goals Planning System (GPS) is an innovative platform that leverages Morgan Stanley's intellectual capital and sophisticated institutional capabilities to help clients reach their goals.
As Financial Planning Specialists, Miles and I have chosen to undergo the continuing education requirements to understand the fundamentals of wealth accumulation and wealth management so that we can better serve our clients, from high-net-worth individuals to mid-career professionals and nonprofit organizations, to seniors that are near or in retirement. Using Morgan Stanley's Goals Planning System, we can work with you to implement a plan to help achieve your financial and personal goals at any stage of life.
Morgan Stanley's Goals Planning System (GPS) is an innovative platform that leverages Morgan Stanley's intellectual capital and sophisticated institutional capabilities to help clients reach their goals.
Highlights From Our Process
- Discover: Start a conversation to uncover your goals and understand your entire financial picture.
- Advise: Work with you to assess various scenarios and advise you on the appropriate strategies designed to meet those goals.
- Implement: Look across multiple accounts/products to identify the combination to help meet spending needs and invest tax-efficiently.
- Track Progress: Periodic review of your financial situation with the ability to make adjustments according to your needs, life events and changing market conditions.
Some of the Clients We Serve Include:
- Business Owners (including family businesses)
- Corporate Executives
- High-Net-Worth Young Investors
- Mid-Career Professionals and Their Families
- Nonprofit Organizations
- Seniors Near or In Retirement
Wealth Management With The Robert L. Johnson Group
Maintaining a great team is our key to success. Everyone who works with us is committed to helping you succeed.
Along with our financial experience, we pride ourselves on being strong communicators. That means we take time to listen carefully to you. We also work hard to make sure you understand—and are comfortable with—any financial options we suggest.
Along with our financial experience, we pride ourselves on being strong communicators. That means we take time to listen carefully to you. We also work hard to make sure you understand—and are comfortable with—any financial options we suggest.
WEALTH MANAGEMENT BROCHURE
Wealth Management clients can receive exclusive access to our firm’s combined resources including investment banking services, capital markets, proprietary deals, innovative investment solutions and research insights.
Wealth Management Capabilities BrochureWHAT IS SELECT UMA?
Simplify your life with multiple investment products, comprehensive manager oversight and account management in one single account.
Unified Managed Accounts (UMAs) allow you to take a comprehensive, disciplined approach using a single account structure. An overlay portfolio manager coordinates all activity including asset allocation, investment selection and disciplined re-balancing. All investment products- such as SMAs, mutual funds and exchange-traded funds (ETFs) - within a single account structure.
Additionally, with a Unified Managed Account (UMA) with Morgan Stanley you can enjoy complimentary and fully personalized tax management services. Implementing our Tax Management Services in a taxable managed investment portfolio, known as a Unified Managed Account (UMA), seeks to offer you professional and tax efficient portfolio management to help meet your unique financial goals.
Introducing Select UMAUnified Managed Accounts (UMAs) allow you to take a comprehensive, disciplined approach using a single account structure. An overlay portfolio manager coordinates all activity including asset allocation, investment selection and disciplined re-balancing. All investment products- such as SMAs, mutual funds and exchange-traded funds (ETFs) - within a single account structure.
Additionally, with a Unified Managed Account (UMA) with Morgan Stanley you can enjoy complimentary and fully personalized tax management services. Implementing our Tax Management Services in a taxable managed investment portfolio, known as a Unified Managed Account (UMA), seeks to offer you professional and tax efficient portfolio management to help meet your unique financial goals.
Awards & Designations
Robert W. Johnson: Named to Pacesetter's Club from 2021-2024
Forbes Best-In-State Wealth Management Teams 2024
The Forbes ranking of America’s Top Wealth Management Teams, developed by SHOOK Research, is based on an algorithm of qualitative criteria, mostly gained through telephone, virtual and in-person due diligence interviews, and quantitative data. This qualitative criteria focuses on studying each team’s best practices—service models, investing process, team construct, skill sets, etc. The algorithm also weighs factors like revenue trends, assets under management, compliance records.
2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based on the time period from 3/31/22–3/31/23.
2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based on the time period from 3/31/22–3/31/23.
Pacesetter's Club at Morgan Stanley Wealth Management
The Firm's Pacesetter's Club is a global recognition program for Financial Advisors who, early in their career, have demonstrated the highest professional standards and first-class client service.
Financial Planning Specialist
As Financial Planning Specialists, Robert W. Johnson has undergone the continuing education requirements to understand the fundamentals of wealth accumulation and wealth management for high net worth individuals.
Location
6125 Sky Pond Drive
Loveland, CO 80538
US
Direct:
(970) 776-5521(970) 776-5521
Toll-Free:
(800) 618-2075(800) 618-2075
Wealth Management
Global Investment Office
Portfolio Insights
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
Ready to start a conversation? Contact Robert W. Johnson today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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
8Morgan 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 (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
11Morgan 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.
12Morgan 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.
13Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
14When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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
8Morgan 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 (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
10Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
11Morgan 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.
12Morgan 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.
13Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
14When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
