Jeff Meston
First Vice President, Financial Advisor
Phone:
(206) 343-2781(206) 343-2781
Sam Coleman
Senior Vice President, Wealth Management,
Financial Advisor,
Senior Portfolio Manager
Direct:
(206) 344-8054(206) 344-8054
My Mission Statement
I strive to provide my clients with comprehensive and personalized financial advice. My high standards help to ensure your family's legacy.
My Story and Services
As a Senior Vice President, Sam Coleman focuses on asset allocation, risk management, financial planning and wealth management. His professional credentials demonstrate a deep, holistic level of investment knowledge, a commitment to a disciplined approach and an ability to create and monitor customized portfolios and investment strategies.
Sam is also a Senior Portfolio Manager, an advanced designation, which allows him to develop and manage the team’s overall investment strategy, while carefully monitoring and communicating about various aspects of the process that impacts client portfolios. His goal is to understand each client’s vision, preferences, and unique circumstances so that he can develop and implement an overall wealth management strategy that integrates virtually all of their needs.
Sam began his career with Kidder Peabody in 1992 and had formed a financial advisory partnership with his father, Sam Coleman, Sr., in 2002. They joined Morgan Stanley in 2013.
Sam received his B.A. degree in History from Denison University in Granville, Ohio. He has been active with the Artist Trust, Christmas in June, and the Four Winds Westward Ho Camps. He is married to Katy and his greatest joy comes from spending time with his wife and their three boys, Jack, Henry, and Jim.
Morgan 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.
Sam is also a Senior Portfolio Manager, an advanced designation, which allows him to develop and manage the team’s overall investment strategy, while carefully monitoring and communicating about various aspects of the process that impacts client portfolios. His goal is to understand each client’s vision, preferences, and unique circumstances so that he can develop and implement an overall wealth management strategy that integrates virtually all of their needs.
Sam began his career with Kidder Peabody in 1992 and had formed a financial advisory partnership with his father, Sam Coleman, Sr., in 2002. They joined Morgan Stanley in 2013.
Sam received his B.A. degree in History from Denison University in Granville, Ohio. He has been active with the Artist Trust, Christmas in June, and the Four Winds Westward Ho Camps. He is married to Katy and his greatest joy comes from spending time with his wife and their three boys, Jack, Henry, and Jim.
Morgan 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.
Securities Agent: FL, SC, OR, VA, MO, DC, WA, MT, MA, NV, NC, HI, UT, NH, ID, NY, AZ, MI, CA, MD; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1484885
CA Insurance License #: 0C18179
NMLS#: 1484885
CA Insurance License #: 0C18179
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
My Approach
I believe that identifying financial solutions begins with a solid understanding of each clients' goals, objectives, and risk tolerance. I follow a disciplined process that enables me to work with you to help meet your financial needs.
Step 1: Introductory Meeting
I offer an introductory meeting to see if there is a match between myself and potential clients.
Step 2: Discovery Meeting
This in-depth conversation provides me with the opportunity to get to know you and your family, so that I may potentially develop strategies and customize the relationship to help best meet your needs.
Step 3: Financial Planning
Every client is provided with a financial plan and goal analysis. Doing this allows me to understand my clients' goals. If a client does not feel comfortable with this process, I would not be able to have a comprehensive understanding of their full financial picture and therefore cannot help them.
Step 4: Asset Allocation
Once client goals are determined, I will be able to create and maintain a proper asset allocation for each client.
Step 5: Professional Coordination
I will coordinate with your family's Estate Lawyer, CPA, and other Persons of Influence.
Step 6: Quarterly Review
All clients will receive a Quarterly Review to go over their current financial situation to see if any part of their financial plan needs to be updated.
Step 7: Annual In-Person Meeting
All clients will receive an annual in-person meeting where we will have an in-depth meeting to go over your financial plans and goals. This will allow me to continue optimizing your strategy on an ongoing basis.
Step 8: Children & Beneficiaries
I ask that all children and beneficiaries be involved in the planning process to encourage education and a smooth transition of each clients' estate. This will help me to get to know your entire family on a deeper and more holistic level going forward.
Step 9: Legacy
I believe and encourage all clients to incorporate legacy and charitable giving into their financial plans.
Step 10: Ongoing Assessment
In coordination with your other advisors, I can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
Onlinie Tools And Features Available To You
Morgan Stanley strives to ensure it serves clients on its technology platforms that are resilient, safe, efficient, and smart. As a part of my services, these resources are readily available to all of my clients. Learn more about each tool and feature to see how it could easily help to manage and secure your financial journey.
Morgan Stanley Online (MSO)
Beyond viewing your account balance and activity, Morgan Stanley Online (MSO) has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with eAuthorization.
Learn More About Morgan Stanley Online (MSO)
Morgan Stanley Mobile App
Securely access your Morgan Stanley account from virtually anywhere. Simply download it on your mobile device and use your Morgan Stanley Online username and password to log in. From there you will have the resources of MSO on the go.
Learn More About The Morgan Stanley Mobile App
Goals Planning System (GPS)
As a Morgan Stanley client with a Goals Planning System (GPS) retirement plan, you can now access and view your plan's status and progress on Morgan Stanley Online (MSO) and Morgan Stanley Mobile (MSM).
Learn More About GPS On Morgan Stanley OnlineMorgan Stanley Reserved Living & Giving
Morgan Stanley Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn More About Morgan Stanley Reserved Living & Giving
Portfolio Risk Platform (Aladdin)
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides a holistic view to better enable risk to be effectively monitored and managed.
Learn More About The Portfolio Risk Platform (Aladdin)
Total Wealth View
It's hard to see the full picture with only half of the details. As a Morgan Stanley client, you can now conveniently view your accounts from other financial institutions on Morgan Stanley Online or by using the Morgan Stanley Mobile App, giving you a more complete financial picture.
Learn More About Total Wealth View
Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts. Our Spending and Budgeting Tool makes it easy for you and your Financial Advisor to see your complete financial picture.
Learn More About Morgan Stanley's Spending and Budgeting Tool
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security at Morgan Stanley
Digital Vault
Digital Vault lets you easily and conveniently manage and share life’s most important documents, such as wills, deeds, and estate plans, as well as financial statements and tax filings.
Learn More About Morgan Stanley's Digital Vault
eDelivery
You shouldn't have to wait for important paperwork like statements, tax documents, or trade confirmations. With eDelivery, you'll get email notifications as soon as they're available on Morgan Stanley Online.
Learn More About eDelivery
eAuthorizations
eAuthorizations allows you to approve transactions electronically and securely on Morgan Stanley Online and the Morgan Stanley Mobile App.
Learn More About eAuthorizations
eSign
eSign is a digital, paperless alternative to the traditional means of obtaining signatures from clients on paperwork. There is no registration process for you to begin using eSign; all you need is a valid email address and phone number.
Learn More About eSignTop Services & Resources
I provide a wide array of services centered around your financial goals. I will create customized strategies to help you meet your needs and provide access to specialists to help you pursue specific goals. As a part of my services, I will have the ability to provide Morgan Stanley's Award-Winning Research along with any timely and important information that may be valuable to you.
Financial Planning
I'm here to help reduce the stress around financial decisions by offering knowledge and thoughtful guidance. As your life stage changes, so do your goals. Our platform allows you to look across your assets and liabilities to help you adapt your strategy to meet those changing demands. Whether it is saving for retirement and other expenses, securing retirement income, healthcare planning, taxes, education, or legacy planning, I'm here for you.
View The Financial Planning Brochure
Retirement Planning
Planning for retirement has never been easy, but in recent years, it has become increasingly difficult. I'm here to help you create a well-rounded planning approach for retirement. I’ll help you identify your personal goals, track your progress toward achieving them, and work together to create a customized plan.
View Insights About Retirement Planning
Wealth Management
For 90 years, Morgan Stanley has been a global leader in financial services, with the scale and stability to help bring you valuable opportunities. My priority is managing wealth with the highest standard of care and providing financial advice to help support your goals at any stage of life.
View The Wealth Management Capabilities Brochure
Sustainable Investing
For us at Morgan Stanley, it is abundantly clear that the solutions to global challenges can only achieve the required scale if they can attract a critical mass of private capital. To this end, we've established the Morgan Stanley Institute for Sustainable Investing to lead work across our firm, with our clients, and with academic institutions to help mobilize capital to sustainable enterprises, via global markets and the investors who drive them.
Learn More About Sustainable Investing
Estate Planning
Everyone has a unique vision for their legacy. I can help you to create your estate planning strategy designed to secure, manage, and distribute your assets during and after your lifetime, while helping to minimize taxation. This will help to protect your legacy and assist those you care about the most to preserve your wishes while also balancing the needs of your entire family. Connect with us to learn more about your options and next steps.
Learn More About Estate Planning
Philanthropy Management
Philanthropy Management supports individuals, families, corporate and private foundations, and non-profit organizations by offering a suite of services to help define and realize clients' charitable missions. I deliver the information, advice, and support needed to help you define your philanthropic goals and create an effective strategy to reach them.
Learn More About Philanthropy Management
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read The Latest GIC Weekly Research Report
On The Markets Monthly Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read The Latest On The Markets Monthly Research Report
Research & Insights
Through timely, in-depth analysis of companies, industries, markets, and world economies, Morgan Stanley has earned its reputation as a leader in the field of investment research.
Learn More About Morgan Stanley's Research & Insights
Timely Ideas
Morgan Stanley Investment Research is one of the financial industry's dominant thought leaders in equity and fixed-income investing. Our analysts, economists, and strategists have earned this reputation through timely, in-depth analysis of companies, industries, markets and the world’s economies. Our teams collaborate to assist Morgan Stanley clients with investment decisions, identifying opportunities across major asset classes and geographies.
View Morgan Stanley's Timely Ideas
2024 Income Tax Tables
Federal Tax Information for 2024, including Income Tax Tables, Contribution Limits, Deadlines, etc.
View The 2024 Income Tax Tables2025 Income Tax Tables
Federal Tax Information for 2025, including Income Tax Tables, Contribution Limits, Deadlines, etc.
View The 2025 Income Tax TablesUpcoming Firm Events
We hope you will join us for this upcoming event.
U.S. Policy Pulse: Trump 2.0 and the Markets
DATE: February 25, 2025 at 4:15 p.m. ETJoin Morgan Stanley Wealth Management Chief Investment Officer, Lisa Shalett, on Tuesday, February 25, for a conversation with Chief Economic Strategist and Global Head of Thematic and Macro Investing, Ellen Zentner, and Head of U.S. Public Policy, Monica Guerra, on the top policy and regulatory actions that could impact investors in the months ahead.
CRC4192005 02/2025
Online
Location
601 Union Street
Suite 5200
Seattle, WA 98101
US
Direct:
(206) 344-8054(206) 344-8054
Meet My Team
About Jeff Meston
With over 25 years of Wall Street Experience, Jeff focuses on wealth management, building efficient portfolios for wealthy individuals and trusts. Previously he was a consultant to public companies, managing corporate communications strategies targeting institutional investors and buy-side and sell-side analysts. Born in Seattle, he spent 10 years in Portland before returning to attend the University of Washington and has been there ever since.
Securities Agent: AZ, ID, WA, OR, MD, VA, OH, NE, NY, NV, CA, PA, FL, MA, HI; General Securities Representative; Investment Advisor Representative
NMLS#: 2628984
Securities Agent: AZ, ID, WA, OR, MD, VA, OH, NE, NY, NV, CA, PA, FL, MA, HI; General Securities Representative; Investment Advisor Representative
NMLS#: 2628984
Securities Agent: AZ, ID, WA, OR, MD, VA, OH, NE, NY, NV, CA, PA, FL, MA, HI; General Securities Representative; Investment Advisor Representative
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Jonathan Chen
Private Banker
Katie Reed
Senior Private Banker
Andrea Paradise, CFP®
Financial Planning Director, Vice President
About Jonathan Chen
Jonathan Chen is a Private Banker serving Morgan Stanley Private Wealth Management in the San Francisco, Menlo Park, and Los Angeles area. He previously served as a Private Banker in the Pacific Northwest – Seattle, WA.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Jonathan began his career in financial services in 2004 and joined Morgan Stanley in 2014. Prior to joining the firm, he was a Citigold Relationship Manager at Citibank. He also served as a Premier Client Manager and a Branch Manager at Bank of America.
Jonathan is a Bay Area native and currently resides in Union City, CA with his wife and two children. Outside of the office, he enjoys traveling, playing golf and watching sports.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Jonathan began his career in financial services in 2004 and joined Morgan Stanley in 2014. Prior to joining the firm, he was a Citigold Relationship Manager at Citibank. He also served as a Premier Client Manager and a Branch Manager at Bank of America.
Jonathan is a Bay Area native and currently resides in Union City, CA with his wife and two children. Outside of the office, he enjoys traveling, playing golf and watching sports.
NMLS#: 765586
About Katie Reed
Katie Reed is a Senior Private Banker serving Morgan Stanley Wealth Management offices in Washington.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Katie began her career in financial services in 2002, and joined Morgan Stanley in 2017 as a Private Banker. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch.
Katie is a graduate of the University of Washington, where she received a Bachelor of Arts in Economics. She lives in Seattle, Washington with her spouse. Outside of the office, Katie enjoys volunteering her time with various organizations which support women, food accessibility, and animals. She also enjoys traveling, Washington Husky football, and spending time with family and friends.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Katie began her career in financial services in 2002, and joined Morgan Stanley in 2017 as a Private Banker. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch.
Katie is a graduate of the University of Washington, where she received a Bachelor of Arts in Economics. She lives in Seattle, Washington with her spouse. Outside of the office, Katie enjoys volunteering her time with various organizations which support women, food accessibility, and animals. She also enjoys traveling, Washington Husky football, and spending time with family and friends.
NMLS#: 652641
About Andrea Paradise
Andrea Paradise, CFP® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Washington state. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Andrea began her career in Financial Services in 1992 and joined Morgan Stanley in 2022. Just prior to her current position, she worked at Wells Fargo Private Bank as a Wealth Planner for Ultra High Net Worth clients.
Andrea graduated from the University of Washington with a Bachelor’s in English and holds her Certified Financial Planner® designation. She lives in Tacoma, Washington with her husband and is a member of the Tacoma Estate Planning Council and South Sound Planned Giving Council. Outside of work, Andrea loves running and travel, and is a mentor in the University of Washington Tacoma School of Business Milgard Women’s Initiative.
Andrea began her career in Financial Services in 1992 and joined Morgan Stanley in 2022. Just prior to her current position, she worked at Wells Fargo Private Bank as a Wealth Planner for Ultra High Net Worth clients.
Andrea graduated from the University of Washington with a Bachelor’s in English and holds her Certified Financial Planner® designation. She lives in Tacoma, Washington with her husband and is a member of the Tacoma Estate Planning Council and South Sound Planned Giving Council. Outside of work, Andrea loves running and travel, and is a mentor in the University of Washington Tacoma School of Business Milgard Women’s Initiative.
Wealth Management
Global Investment Office
Portfolio Insights
Ready to start a conversation? Contact Sam Coleman today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan 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.
3Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5When 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.
6The 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
3Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5When 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.
6The 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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)
