Mark S. Ryan, CFP®
Senior Vice President, Financial Advisor, Portfolio Manager
Phone:
(561) 620-5036(561) 620-5036
Ryan A. Anderson, QPFC
First Vice President,
Financial Advisor,
Portfolio Manager,
Workplace Advisor - Equity Compensation,
Alternative Investments Director
Direct:
(561) 620-5133(561) 620-5133
My Mission Statement
To help you meet your life goals, I leverage the latest in digital technology, embrace modern planning solutions, and apply more than a decade of experience to provide tailored investment advice.
My Story and Services
Ryan leverages more than a decade of experience as a financial advisor to provide targeted wealth management and planning strategies for his clients. His priority is offering personal service that is client-focused and dependable. Ryan brings fresh perspectives by staying current with market trends to continually deliver best in class ideas for his clients' portfolios. He takes pride in being someone his clients can trust to deliver honest advice and implement an investment strategy that aligns with their long-term plan.
Prior to joining Morgan Stanley in 2021, Ryan spent 10 years as a financial advisor with J.P. Morgan. Before his wealth management career, he also served clients in the financial services field for Chase Bank, First Premier Bank, and Wells Fargo.
Ryan earned his Bachelor's Degree in Business Administration and Economics from Augustana University in Sioux Falls, South Dakota, where he also met his future wife Stephanie. After growing up and starting their careers in South Dakota, they decided to move to beautiful South Florida, where they now live in Boca Raton with their Italian Greyhound Augie. They also enjoy an occasional retreat to their mountain home in Western North Carolina. In Ryan’s free time, he can be found traveling, dining with friends and family, fly fishing, and homebrewing craft beer.
Forbes Magazine named The 1987 Group at Morgan Stanley one of the Best-In-State Wealth Management Teams for 2023, 2024 and 2025! It is an honor to be recognized amongst this group of outstanding professionals who consistently work to raise the standards in our industry.
Forbes Best-In-State Wealth Management Teams 2025
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based on time period from 3/31/23-3/31/24.
Forbes Best-In-State Wealth Management Teams 2024
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/23.
Forbes Best-In-State Wealth Management Teams 2023
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Prior to joining Morgan Stanley in 2021, Ryan spent 10 years as a financial advisor with J.P. Morgan. Before his wealth management career, he also served clients in the financial services field for Chase Bank, First Premier Bank, and Wells Fargo.
Ryan earned his Bachelor's Degree in Business Administration and Economics from Augustana University in Sioux Falls, South Dakota, where he also met his future wife Stephanie. After growing up and starting their careers in South Dakota, they decided to move to beautiful South Florida, where they now live in Boca Raton with their Italian Greyhound Augie. They also enjoy an occasional retreat to their mountain home in Western North Carolina. In Ryan’s free time, he can be found traveling, dining with friends and family, fly fishing, and homebrewing craft beer.
Forbes Magazine named The 1987 Group at Morgan Stanley one of the Best-In-State Wealth Management Teams for 2023, 2024 and 2025! It is an honor to be recognized amongst this group of outstanding professionals who consistently work to raise the standards in our industry.
Forbes Best-In-State Wealth Management Teams 2025
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based on time period from 3/31/23-3/31/24.
Forbes Best-In-State Wealth Management Teams 2024
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/23.
Forbes Best-In-State Wealth Management Teams 2023
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Securities Agent: NY, FL, NM, NJ, AL, SC, RI, CT, CA, AZ, NC, MD, OH, IL, DE, KY, ID, VT, SD, WA, MI, MA, GA, CO, TX, MO, WI, VA, PA; General Securities Representative; Investment Advisor Representative
NMLS#: 602871
NMLS#: 602871
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 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.
Step 2: Discovery Meeting
During the discovery meeting, 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: Financial Plan Presentation
Financial plan presentations 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 4: Action Items / Next Steps
After the financial plan presentation, we will follow up with you regarding our analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits and insurance coverage.
Step 5: Implementation Meeting
The implementation meeting focuses on creating prospective strategies custom-designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving/benefit modifications.
Step 6: Monitoring & Performance Tracking
Finally, we will be constantly monitoring your assets and analyzing your performance metrics, seeking to ensure your financial expectations are being met and adjusted accordingly. We will keep a high degree of communication with you to make sure your concerns and requests are always addressed.
MANAGING YOUR WEALTH
We offer a broad array of modern wealth tools to manage your wealth more effectively in today’s busy world. We would be glad to assist you in signing up or learning more about these services.
Morgan Stanley Online (MSO)
When you sign up for MSO, you can conveniently and securely manage your account online or on your mobile device.
Click here to learn more
Morgan Stanley Mobile App
The Morgan Stanley Mobile App gives you the same capabilities as Morgan Stanley Online – all from the convenience of your own phone. It also offers features to simplify your everyday finances.
Click here to learn more
E-Authorization
With E-Authorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a wire transfer request.
Click here to learn more
E-Sign
E-Sign is a digital, paperless alternative to the traditional means of obtaining signatures for necessary paperwork. There is no registration process to begin using E-Sign – all you need is a valid email address and phone number.
Click here to learn more
E-Delivery
E-Delivery allows you to securely save, print, send and receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App.
Click here to learn more
Digital Vault
The Digital Vault allows you to build a centralized library for all your documents using encryption.
Click here to learn more
Total Wealth View
With this service, you can view all your assets and liabilities together – whether held at Morgan Stanley or elsewhere – in one place for a comprehensive overview of your assets.
Click here to learn more
Goals Planning System (GPS)
GPS is our financial planning software. It helps define what you want out of life, so we can create a financial framework to bring these goals to fruition.
Click here to learn moreNAVIGATING MAJOR LIFE EVENTS
Most major life events have financial implications. We are here to help you through them and make the right financial decisions for you and your family.
Marriage
Few events are more exciting than when you decide to align your life with the person you love. We help you plan for these milestones and guide these conversations.
Divorce
Divorcing a spouse can be a difficult ordeal, with repercussions that affect your emotional and financial well-being. We can help you can prepare for these difficult situations and help you to feel more in control and better equipped to make informed decisions about your financial future.
Widowhood
Dealing with death is never easy. Aside from coping with the loss of a loved one, legal matters also require immediate attention. That is why we help you plan ahead to ensure that your wishes and your will are followed.
Retirement
Saving for retirement is a lifelong process that relies on defined financial planning strategies. We help guide you through this process each step of the way toward achieving their retirement goals.
Elder Care
Aging can be challenging whether you are looking to develop a plan for yourself, or trying to figure out the best way to support your loved ones. Elder care may be a complicated, emotional process that is why we help keep you develop a clear plan that prioritizes the desires and preferences of the aging individual.
Business
From executive-level employment situations to other business ventures—from startups to established enterprises we can help you navigate the complexities of business ownership and investment and associated activities such as selling, divesting or planning for succession.
Birth
Welcoming a child into the family is a joyous occasion for everyone from parents and grandparents to aunts, uncles, siblings, cousins and other extended family members. Therefore, we help you and other family members plan and prepare for the financial components that a new child may introduce into your lives.
Education
Education is a major investment and expense that often requires years of careful, advanced planning. help you approach a variety of educational expenses, such as tuition, extension programs and advanced professional training, with appropriate funding strategies for each unique situations.
Upcoming Firm Events
We hope you will join us for this upcoming event.
U.S. Policy Pulse: 100 Days of Trump 2.0
DATE: April 24, 2025 at 4:15 p.m. ETWhat do the policies of the administration's first 100 days indicate for the economy and the markets? Join Morgan Stanley Wealth Management Chief Investment Officer, Lisa Shalett, for a conversation with Global Head of Government Relations, Michael J. Stein, and Head of U.S. Policy, Monica Guerra, about potential implications for investors.Can't attend the live event? Register anyway for access to the replay.
4398292 04/2025
Online
Location
1801 N.Military Tr
Ste 300
Boca Raton, FL 33431
US
Direct:
(561) 620-5133(561) 620-5133
Meet My Team
Cynthia Walker-LaRoche
Vice President, Financial Advisor
Phone:
(561) 620-5085(561) 620-5085
David S. Gross
Vice President, Financial Advisor
Phone:
(561) 620-5055(561) 620-5055
Lisa Silver
Senior Client Service Associate
Phone:
(561) 620-5096(561) 620-5096
About Mark S. Ryan
Mark joined Morgan Stanley in 2009. He has held the CERTIFIED FINANCIAL PLANNER™ designation since 1990 and takes pride in developing financial plans to assist clients that have concerns regarding retirement and estate planning. Many long-term clients have reached retirement age and are now benefiting from the planning done years ago that has allowed them to reach their goals and objectives.
Mark is also a Portfolio Manager at Morgan Stanley. This designation along with over 37 years of experience has proven to be helpful in providing objective investment guidance for his clients. Recognizing that there is no silver bullet or one size fits all solution, Mark’s focus is on understanding each client’s unique vision, goals and preferences and aligning advice and portfolio structure in a custom-tailored manner to help his clients increase their financial comfort.
After a 15 year career in retail, Mark decided that his attention to detail and numbers may be a perfect fit to embark on a career as a financial advisor and took the necessary steps to obtain his securities licenses. He began his new career on October 19th, 1987, the infamous Black Monday.
Mark practices yoga on a regular basis and focuses on good nutrition. He is an RYT® 200 Registered Yoga Teacher and promotes a healthy life style with many of his friends and clients that have similar interests.
Mark lives in Boca Raton and has been a lifelong Palm Beach County resident. His son Justin and his family reside in Houston.
Mark is also a Portfolio Manager at Morgan Stanley. This designation along with over 37 years of experience has proven to be helpful in providing objective investment guidance for his clients. Recognizing that there is no silver bullet or one size fits all solution, Mark’s focus is on understanding each client’s unique vision, goals and preferences and aligning advice and portfolio structure in a custom-tailored manner to help his clients increase their financial comfort.
After a 15 year career in retail, Mark decided that his attention to detail and numbers may be a perfect fit to embark on a career as a financial advisor and took the necessary steps to obtain his securities licenses. He began his new career on October 19th, 1987, the infamous Black Monday.
Mark practices yoga on a regular basis and focuses on good nutrition. He is an RYT® 200 Registered Yoga Teacher and promotes a healthy life style with many of his friends and clients that have similar interests.
Mark lives in Boca Raton and has been a lifelong Palm Beach County resident. His son Justin and his family reside in Houston.
Securities Agent: KY, CO, NM, NY, ID, CA, RI, PA, NJ, MA, GA, WI, SD, MO, OH, AL, VT, NC, MD, AZ, VA, TX, FL, DE, NV, MI, SC, CT, WA, KS, IL; General Securities Representative; Investment Advisor Representative
About Cynthia Walker-LaRoche
Cindy Walker-Laroche’s practice at Morgan Stanley focuses on wealth creation, financial planning and customized portfolio construction. Her responsibilities include building portfolios in the fixed income bond market with a focus on municipal bond strategies. Secondly, to review and recommend institutional money managers that would support a wealth strategy in the equity markets with concentration on various asset classes. This serves as a complement to the other team members and their areas of focus.
Her prior background includes a BS in Education from State University of New York at Geneseo. She spent years in education at the university creating an environment for training upcoming teachers while writing programs for highly gifted children. After moving to Florida, she followed her training career as a corporate training and development advisor for many south Florida corporations before migrating to the financial services business in 1987.
Cindy began her investment advisor career with E.F. Hutton in April of 1987. A wealth management professional for more than 33 years, she has been with Morgan Stanley since 2003.
Her passion in this business is to guide individuals through a goal based process to help them achieve their life long objectives. Cindy prides herself by being attentive to the needs of wealthy families and the transfer of wealth to children and grandchildren. This is the driving force for investment decisions.
Charitably inclined, Cindy has dedicated the last 16 years to serving as a consultant, donor and promoter to The Habilitation Center for the Handicapped in Boca Raton, Florida. The Hab Center is committed to providing vocational training, socialization skills, daily living skills, self-advocacy and health and wellness to mentally challenged adults.
Cindy is a native of Niagara Falls, NY but has lived in South Florida for 40 years. She resides with her husband Ron and enjoys gardening, cooking and entertainment and most of all, taking care of her puppies Teddy and AAPL (Apple).
Her prior background includes a BS in Education from State University of New York at Geneseo. She spent years in education at the university creating an environment for training upcoming teachers while writing programs for highly gifted children. After moving to Florida, she followed her training career as a corporate training and development advisor for many south Florida corporations before migrating to the financial services business in 1987.
Cindy began her investment advisor career with E.F. Hutton in April of 1987. A wealth management professional for more than 33 years, she has been with Morgan Stanley since 2003.
Her passion in this business is to guide individuals through a goal based process to help them achieve their life long objectives. Cindy prides herself by being attentive to the needs of wealthy families and the transfer of wealth to children and grandchildren. This is the driving force for investment decisions.
Charitably inclined, Cindy has dedicated the last 16 years to serving as a consultant, donor and promoter to The Habilitation Center for the Handicapped in Boca Raton, Florida. The Hab Center is committed to providing vocational training, socialization skills, daily living skills, self-advocacy and health and wellness to mentally challenged adults.
Cindy is a native of Niagara Falls, NY but has lived in South Florida for 40 years. She resides with her husband Ron and enjoys gardening, cooking and entertainment and most of all, taking care of her puppies Teddy and AAPL (Apple).
Securities Agent: MI, FL, NM, NV, NJ, NC, WA, SC, MO, RI, KY, AL, WI, VA, OH, IL, GA, PA, KS, CT, CO, CA, SD, ID, NY, MA, DE, AZ, VT, TX, MD; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
About David S. Gross
David Gross is Vice President, Senior Portfolio Manager, and Financial Advisor at Morgan Stanley. He has over two decades of experience in wealth management and has been with Morgan Stanley since 2016. Before beginning at Morgan Stanley, David spent twenty years as a Financial Advisor at Ameriprise Financial. Since joining Morgan Stanley as a Financial Advisor David has earned the highly regarded designations of Senior Portfolio Manager and Associate Vice President.
Over the years, David has developed a passion for retirement and estate planning strategies. He is dedicated to thoroughly understanding each client’s financial position, long and short-term goals, and risk tolerance in order to design portfolios to help them achive their goals. He helps clients to understand the impacts of long term care and inflation as they prepare for retirement, and strives to bring consistent solutions and comfort in all aspects of a client’s financial plan. David is Series 7 Licensed and holds Life, Health, and Variable Insurance licenses.
Outside of work David enjoys watching hockey, practicing yoga, and golfing. He lives in Boca Raton, Florida with his wife and two daughters.
Over the years, David has developed a passion for retirement and estate planning strategies. He is dedicated to thoroughly understanding each client’s financial position, long and short-term goals, and risk tolerance in order to design portfolios to help them achive their goals. He helps clients to understand the impacts of long term care and inflation as they prepare for retirement, and strives to bring consistent solutions and comfort in all aspects of a client’s financial plan. David is Series 7 Licensed and holds Life, Health, and Variable Insurance licenses.
Outside of work David enjoys watching hockey, practicing yoga, and golfing. He lives in Boca Raton, Florida with his wife and two daughters.
Securities Agent: FL, PA, NC, CO, AL, CA, TN, WI, VT, RI, SC, NV, VA, MD, KY, NY, NM, GA, CT, MA, ID, DE, UT, TX, SD, OH, NJ, AZ, WA, MI, IL; General Securities Representative; Investment Advisor Representative
About Lisa Silver
Lisa joined Morgan Stanley in April of 2012. Over the past 9 years client interaction and client related services have been her primary responsibility. Lisa continues to make the most of her administrative and marketing skills and develop her knowledge in regard to helping the advisor / client financial planning process.
After graduation from college and before becoming a mother, Lisa utilized her degree in Journalism by working for a South Florida advertising firm. She was responsible for handling executive planning, media buys and B2B advertising for major accounts. In 1989, Lisa transitioned to the radio industry, subsequently working for two of the market’s top radio stations as a sales executive.
After meeting her Canadian-born husband, Lisa worked for a worldwide leader in electronic component distribution, where she was tasked with the multi-national responsibility of handling several major clients around the world, before moving back to South Florida in 1997.
Lisa was born in Fort Lauderdale, but raised in Cincinnati, Ohio. She graduated from the University of South Carolina with a Bachelor of Arts in Journalism and moved to Boca Raton where she has lived for 28 years with the exception of three years in Canada.
Lisa has been married for 25 years and has been a devoted mother raising her two sons, Matthew and Andrew. Matthew, who is 23, is a certified commercial pilot. Andrew is 19 and is a sophomore at FSU. In her free time, she enjoys going to the beach, cooking and exercising, but most of all she loves taking care of her family and her “four-legged” daughter, Lexie.
After graduation from college and before becoming a mother, Lisa utilized her degree in Journalism by working for a South Florida advertising firm. She was responsible for handling executive planning, media buys and B2B advertising for major accounts. In 1989, Lisa transitioned to the radio industry, subsequently working for two of the market’s top radio stations as a sales executive.
After meeting her Canadian-born husband, Lisa worked for a worldwide leader in electronic component distribution, where she was tasked with the multi-national responsibility of handling several major clients around the world, before moving back to South Florida in 1997.
Lisa was born in Fort Lauderdale, but raised in Cincinnati, Ohio. She graduated from the University of South Carolina with a Bachelor of Arts in Journalism and moved to Boca Raton where she has lived for 28 years with the exception of three years in Canada.
Lisa has been married for 25 years and has been a devoted mother raising her two sons, Matthew and Andrew. Matthew, who is 23, is a certified commercial pilot. Andrew is 19 and is a sophomore at FSU. In her free time, she enjoys going to the beach, cooking and exercising, but most of all she loves taking care of her family and her “four-legged” daughter, Lexie.
Wealth Management
From My Desk
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Wealth Management
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Portfolio Insights
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Ryan A. Anderson 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.
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.
3Alternative 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.
4Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
5The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
6Morgan 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
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3Alternative 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.
4Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
5The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
6Morgan 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
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
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Awards Disclosures
CRC 6491812 (04/2024)
