Ruarri Burda
Senior Vice President, Wealth Management,
Financial Advisor,
Branch Manager
Direct:
(909) 625-9722(909) 625-9722
My Mission Statement
Working with you to preserve and grow wealth for your long-term goals
My Story & Services
I work with clients to help them acquire, grow and distribute wealth by providing advice in a “product-neutral” environment
Since 1998, I have worked with individuals, families and businesses to provide custom financial solutions to grow, preserve and protect their wealth. As a Senior Vice President and Branch Manager, I bring a unique breadth and depth of industry knowledge and experience to a select group of clients.
As a Financial Advisor with 24 years of experience, I focus on portfolio construction and asset allocation for our group’s clients. My investment approach embraces a wide variety of financial instruments to develop investment and portfolio management strategies. I strive to identify unique, risk-mitigating opportunities to match each client’s personal objectives.
One of my goals is to deliver exceptional service and successful results in every aspect of the client relationship. My clients know that I ask the questions that get at the heart of their investment needs. And, as a successful Financial Advisor, I am personally aware of what it takes to empower people to build businesses about which they are passionate.
I grew up in the Hudson Valley region of New York State and graduated from SUNY at Brockport in 1996 with a Bachelor of Science degree in Management. I moved to California in 1997 and joined Morgan Stanley Dean Witter’s Newport Beach office in 1998. I was soon tapped for a management position and have managed branches in Ontario, Brea, Santa Ana and Claremont, California, while also serving the needs of my own clients.
Outside of work, I stay busy with the myriad activities of my two girls.
Since 1998, I have worked with individuals, families and businesses to provide custom financial solutions to grow, preserve and protect their wealth. As a Senior Vice President and Branch Manager, I bring a unique breadth and depth of industry knowledge and experience to a select group of clients.
As a Financial Advisor with 24 years of experience, I focus on portfolio construction and asset allocation for our group’s clients. My investment approach embraces a wide variety of financial instruments to develop investment and portfolio management strategies. I strive to identify unique, risk-mitigating opportunities to match each client’s personal objectives.
One of my goals is to deliver exceptional service and successful results in every aspect of the client relationship. My clients know that I ask the questions that get at the heart of their investment needs. And, as a successful Financial Advisor, I am personally aware of what it takes to empower people to build businesses about which they are passionate.
I grew up in the Hudson Valley region of New York State and graduated from SUNY at Brockport in 1996 with a Bachelor of Science degree in Management. I moved to California in 1997 and joined Morgan Stanley Dean Witter’s Newport Beach office in 1998. I was soon tapped for a management position and have managed branches in Ontario, Brea, Santa Ana and Claremont, California, while also serving the needs of my own clients.
Outside of work, I stay busy with the myriad activities of my two girls.
Services Include
- 401(k) Rollovers
- AnnuitiesFootnote1
- Corporate BondsFootnote2
- Divorce Financial AnalysisFootnote3
- Financial PlanningFootnote4
- Long Term Care InsuranceFootnote5
- Municipal BondsFootnote6
- Philanthropic Services
- Planning for Education FundingFootnote7
- Planning for Individuals with Special Needs
- Qualified Retirement PlansFootnote8
- Retirement PlanningFootnote9
- Trust Services*
Securities Agent: OK, NH, ME, MD, LA, KY, IA, WV, WI, WA, VA, UT, TX, TN, SD, SC, RI, PR, OR, OH, NY, NV, NM, NJ, NE, ND, NC, MT, MS, MO, MN, MI, MA, KS, IN, IL, ID, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AR, AL, AK, WY, VT, VI, PA; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 305164
CA Insurance License #: 0C58153
NMLS#: 305164
CA Insurance License #: 0C58153
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Family Office Resources
Over the years, Ruarri has seen the shift in balance of financial power in families. Where husbands used to conduct the investment conversation on behalf of their wives, and children were in the dark regarding legacy and estate planning, this is no longer the case. Research shows that in marriage, greater than half of women are bringing in a greater amount of financial assets to the household. In addition, families are beginning to understand the value of multigenerational planning and including children and grandchildren in these discussions.
These new social dynamics require different skills than traditional approaches to financial planning. Whether it is helping women navigate unique situations, care for aging parents, facing the death of a partner or more, Ruarri excels at understanding and clearly articulating the big picture view of the whole family unit. In addition, Ruarri leverages the versatile resources of Morgan Stanley and professionals to make it more likely that all members of the family have the foundation and support needed to lead meaningful, fulfilled and engaged lives.
These new social dynamics require different skills than traditional approaches to financial planning. Whether it is helping women navigate unique situations, care for aging parents, facing the death of a partner or more, Ruarri excels at understanding and clearly articulating the big picture view of the whole family unit. In addition, Ruarri leverages the versatile resources of Morgan Stanley and professionals to make it more likely that all members of the family have the foundation and support needed to lead meaningful, fulfilled and engaged lives.
Family Office Resources
Reflecting on how the most successful families create and maintain enduring legacies across multiple generations, Morgan Stanley Family Office Resources (FOR) is structured to help clients define a guiding vision, translate that vision into effective strategies and implement those strategies by calling on the tactical expertise of experienced experts. Accessed by Morgan Stanley advisors through UHNW Client Specialists, our capabilities span three complementary areas of focus: Governance & Legacy, Wealth Strategies and Signature Access.
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Lasting Legacy Planning
Managing your family's wealth is much more than simply reaching a desired return. To learn more about how we at Morgan Stanley help you leave a legacy that lasts beyond just numbers, please click the link below.
Read this to learn more
What Does Wealth Mean to You
What's your relationship with wealth? For many, it's complicated. If they are going to be successful, family conversations about wealth often require us to engage in deep, introspective analysis to understand our own personal values and opinions, as well as what drives and motivates us.
Read this to learn more
Making the Most of Your Sudden Wealth
It is important to evaluate the impact divorce can have on both your personal and financial matters. The better you understand your options, the more likely you are to make sound financial decisions. This article will help you learn how to build a solid financial strategy that may help provide you with greater confidence and flexibility in the future.
Read this to learn more
Financial Do's and Don'ts for New Parents
Welcoming a child is an exciting milestone. Every parent, child and family is unique and should make the decisions that work for them and their finances. Knowing some major money considerations early on can help you formulate the plan that’s best for you. Click this link to read more about preparing financially for a baby.
Read this to learn more
Planning for the New Beginning
It is important to evaluate the impact divorce can have on both your personal and financial matters. The better you understand your options, the more likely you are to make sound financial decisions. This article will help you learn how to build a solid financial strategy that may help provide you with greater confidence and flexibility in the future.
Read this to learn morePortfolio Services
Morgan Stanley Portfolio Services were established to provide individual investors with a level of personalized portfolio management typically reserved for many institutional investors.
All portfolios are managed individually on a fully discretionary basis by Financial Advisors at Morgan Stanley who have been qualified by the firm to independently manage client assets based on training, experience and commitment to service.
At a time when many financial advisors delegate that responsibility to third-party portfolio managers, our group has the credentials and experience to offer our clients:
• Direct access to the investment professionals managing your portfolio
• Personalized service
• A disciplined, multi-part investment process
• Ongoing communications and reporting
• Access to the intellectual capital and global resources of Morgan Stanley
The strategies I create in an effort to help you reach your goals may include stocks, bonds, mutual funds, or exchange-traded funds -- all with risk-reward parameters you can live with.
My goal is to create customized portfolios that:
• Deliver highly competitive investment returns
• Maintain an eye on capital preservation
• Anticipate market movement and adjust asset allocation
• Apply skilled management
All portfolios are managed individually on a fully discretionary basis by Financial Advisors at Morgan Stanley who have been qualified by the firm to independently manage client assets based on training, experience and commitment to service.
At a time when many financial advisors delegate that responsibility to third-party portfolio managers, our group has the credentials and experience to offer our clients:
• Direct access to the investment professionals managing your portfolio
• Personalized service
• A disciplined, multi-part investment process
• Ongoing communications and reporting
• Access to the intellectual capital and global resources of Morgan Stanley
The strategies I create in an effort to help you reach your goals may include stocks, bonds, mutual funds, or exchange-traded funds -- all with risk-reward parameters you can live with.
My goal is to create customized portfolios that:
• Deliver highly competitive investment returns
• Maintain an eye on capital preservation
• Anticipate market movement and adjust asset allocation
• Apply skilled management
Portfolio Management Program
The Portfolio Management Program utilizes the vast resources of the firm in a disciplined four-step investment process along with Ruarri's commitment to helping clients' holistically manage their hard-earned wealth.
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Investment Advisory Solutions
Morgan Stanley advisory solutions and services leverage resources from across the Firm to provide access to advice and investment manager analysis while bringing clients a personalized perspective
Read this to learn moreModern Wealth Tools
In a world becoming increasingly digital, Morgan Stanley employs a comprehensive suite of digital resources that have been carefully designed to enhance each aspect of your financial portfolio. Take some time to learn about a few of the many Modern Wealth Management resources that we offer to our clients
Morgan Stanley Online and Mobile App
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley mobile app! Conveniently and securely manage your account online or on your mobile app with the help of this handy resource that is available 24/7.
Read this to learn more
Total Wealth View
Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
Read this to learn more
Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards clients with over one million dollars in assets and liabilities invested at the firm. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Read this to learn more
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative risk engine used by several of the world’s largest institutional asset managers, providing you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios. This helpful tool can assist you in making educated investment decisions with increased confidence.
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eAuthorization
eAuthorization allows clients to electronically authorize domestic and international, one-time/recurring transactions through Morgan Stanley Online and the Morgan Stanley Mobile App.
eAuthorization leverages multiple strong factors of authentication to confirm your identity, which significantly mitigates security risks.
Read this to learn moreeAuthorization leverages multiple strong factors of authentication to confirm your identity, which significantly mitigates security risks.
Digital Vault
Digital Vault lets you easily manage and share your important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings. All files are scanned for viruses and malware and are encrypted while transferred and stored. Access is limited to you and anyone you designate.
Watch this to learn moreMonthly Outlook and Updates
Ruarri aims to break down difficult financial concepts into easily understandable language so that his clients can fully understand the work that goes into making plans for their financial stability and way of life. He firmly believes in giving his clients access to as many resources as he can so they may stay up to date on the most recent market trends, analysis and outlooks. The sites listed below offer in-depth research on recent financial and market developments that have an impact on the current business world.
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.
Listen here
Global Investment Committee on the Markets Monthly Report
A monthly publication that summarizes the Global Investment Committee's market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape.
Read the latest edition
Global Investment Committee Weekly Research Report
The Global Investment Committee's Weekly Report provides an in depth look at markets, asset class performance and fixed income on a weekly basis.
Read the latest report
Frontier Technology
Technological innovations that could disrupt and transform industries are rapidly emerging. Discover the breakthroughs, both underway and just on the horizon, and the monumental changes that may result for investors, businesses and economies
Read this to learn more
2024 Outlooks
As central banks walk a fine line between inflation and recession, watch for lackluster economic growth in 2024 and 2025, especially in developed markets. Morgan Stanley experts share insights on what may lie ahead.
Read this to learn moreLocation
456 W Foothill Blvd
Claremont, CA 91711
US
Direct:
(909) 625-9722(909) 625-9722
Wealth Management
Global Investment Office
Portfolio Insights
Ready to start a conversation? Contact Ruarri Burda today.
1Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
2Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, 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.
6Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
7When 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.
8When 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.
9When 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.
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
2Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, 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.
6Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
7When 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.
8When 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.
9When 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.
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)
