Shelly Walton
Client Services Associate, Registered Associate
Phone:
(407) 740-4966(407) 740-4966
Samuel Bowyer
Vice President,
Financial Advisor
Direct:
(407) 740-4989(407) 740-4989
My Mission Statement
Creating comprehensive wealth strategies based on your unique story for an enjoyable lifestyle.
My Story and Services
Sam Bowyer is an Associate Vice President and Financial Advisor with Morgan Stanley in Winter Park, Florida. He serves a notable group of people, each with a unique story of wealth creation. This group includes business owners, executives, individuals, and families. Each is looking to make the necessary decisions to grow and protect their wealth to ensure an enjoyable lifestyle and pass on their wealth and values to future generations. Sam creates comprehensive financial and investment plans to meet these goals.
By asking meaningful questions to identify priorities and concerns in his client’s lives, Sam determines what the genuine issues are with his clients. By understanding his clients’ needs, Sam provides a detailed and analytical approach to reaching and maintaining their financial goals. The foundation of this plan is wealth preservation, estate planning strategies, retirement analysis, risk analysis, tax-efficient investment strategies and, most importantly, lifestyle preservation.
Sam is a third generation Central Florida native and lives in Orlando with his wife, Julie, and his children, Evans and Caroline. He enjoys spending time with his family, cooking, playing golf and attending concerts. Prior to joining Morgan Stanley in 2011, Sam worked as a Civil Engineer for a preeminent local engineering firm. In addition, Sam is a member of the American Society of Civil Engineers and the Greater Orlando Builders Association.
By asking meaningful questions to identify priorities and concerns in his client’s lives, Sam determines what the genuine issues are with his clients. By understanding his clients’ needs, Sam provides a detailed and analytical approach to reaching and maintaining their financial goals. The foundation of this plan is wealth preservation, estate planning strategies, retirement analysis, risk analysis, tax-efficient investment strategies and, most importantly, lifestyle preservation.
Sam is a third generation Central Florida native and lives in Orlando with his wife, Julie, and his children, Evans and Caroline. He enjoys spending time with his family, cooking, playing golf and attending concerts. Prior to joining Morgan Stanley in 2011, Sam worked as a Civil Engineer for a preeminent local engineering firm. In addition, Sam is a member of the American Society of Civil Engineers and the Greater Orlando Builders Association.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Planning for Education FundingFootnote4
- Estate Planning StrategiesFootnote5
- Professional Portfolio ManagementFootnote6
- AnnuitiesFootnote7
- Business PlanningFootnote8
- Business Succession PlanningFootnote9
- Cash ManagementFootnote10
- Life InsuranceFootnote11
- Trust AccountsFootnote12
- Lending Products
Securities Agent: TN, CO, MI, AZ, NC, CT, GA, FL, TX, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1290678
NMLS#: 1290678
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
Every client has goals and aspirations for their financial resources. Whether that is paying for your child’s higher education, an orderly transfer of your wealth to the next generation or simply retiring comfortably, you have ambitions and desires.
It’s unfortunate, but many investors use a rather piecemeal and random approach to financial planning. Because you’ve worked your entire life for a certain lifestyle in your retirement years, it’s critical that we follow a highly structured and comprehensive process in planning for those years. I use a 4-step process with my clients to develop and address their goals.
It’s unfortunate, but many investors use a rather piecemeal and random approach to financial planning. Because you’ve worked your entire life for a certain lifestyle in your retirement years, it’s critical that we follow a highly structured and comprehensive process in planning for those years. I use a 4-step process with my clients to develop and address their goals.
Discovery
The discovery process is critical to the proper development of your financial plan. By asking deeper and more meaningful questions, by identifying connections and discontinuities in your life and by discovering what your underlying motivations are, I can then deliver solutions to you that make your life easier. By investing my time to get to know you, your investments will be tailored to your needs.
Financial Plan Development
Here, I will systematically work through the critical areas of your financial life to develop your financial plan. I will cover areas with you such as financial independence, retirement planning, liability issues, family planning, estate planning, charitable giving, and liquidity issues. After all, financial planning is not just about your investment portfolio. It’s about covering all your bases
Implementation
After a review with you, I will implement the plan. You will have access to the finest in financial thinking, products, and execution to help you meet your desired goals.
Follow Up and Ongoing
On an ongoing basis, I will review your investments versus your Financial Plan. I utilize a comprehensive client contact schedule to ensure that your financial plan is reviewed consistently, and you are informed in a pro-active manner.
My Clients
My clients are quite diverse and have varied interests, career paths, and family situations. However, they typically have many traits in common.
They are usually busy individuals who consider their financial future a priority. They care deeply about their families and work to provide the best for generations to come. They want to maintain a certain lifestyle and enjoy memorable experiences throughout their retirement.
One particular area of client focus is Engineers, Architects, Home Builders, Suppliers and other professionals in the Land Development Industry. My professional background and involvement in organizations related to this industry allow me to deeply understand their needs. By focusing on this group, I am able to provide advice and service specifically related to these individuals and business owners.
They are usually busy individuals who consider their financial future a priority. They care deeply about their families and work to provide the best for generations to come. They want to maintain a certain lifestyle and enjoy memorable experiences throughout their retirement.
One particular area of client focus is Engineers, Architects, Home Builders, Suppliers and other professionals in the Land Development Industry. My professional background and involvement in organizations related to this industry allow me to deeply understand their needs. By focusing on this group, I am able to provide advice and service specifically related to these individuals and business owners.
Investor Resources
2024 Tax Tables
Here are the federal tax tables for 2024 along with other useful information.
View tax tables
Contribution Limits
With newly updated contribution limits in 2024, this resource contains all the relevant information.
View contribution limits
Thoughts on the Market
Here you can find podcasts on market-related content from a variety of Morgan Stanley thought leaders.
View podcasts
MS Reserved
Clients with $1million+ in assets and liabilities are eligible to enroll in Morgan Stanley's Reserved Living & Giving program. E*TRADE Platinum and Private clients may also be eligible to enroll. Members will have access to exclusive partner offers and discounts, in addition to a variety of leadership content ranging from lifestyle to personal finance topics.
Learn more about MS Reserved
Online Security Center
Safeguarding your assets and personal information is paramount to us. Learn about our extensive security measures and take advantage of our numerous resources and ideas that are geared towards helping you stay protected on the World Wide Web.
Click here to learn more
Retirement Planning
It's important to determine how much money you may need to save for a comfortable retirement. Here are three strategies that can help you optimize your 401(k) plan.
Explore potential optionsDigital Tools
Digital technology is centered on how people communicate, consume, transact and travel. Morgan Stanley's comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies on offer for clients.
Morgan Stanley Online
With Morgan Stanley Online, enjoy the freedom to manage your finances on your own devices while collaborating with your advisor. Multi-factor authentication and continuous threat monitoring ensure the safety and security of all your financial information.
Click Here to Learn More
Total Wealth View
It’s hard to see the complete picture with only half the details. As a Morgan Stanley client, you can conveniently view your accounts from other financial institutions on Morgan Stanley Online or the Morgan Stanley Mobile App, giving you and your advisor a more complete financial picture. With full visibility of your financial picture, your advisor will be better able to track your financial goals and plan for your future.
Learn more about Total Wealth View
Goals Based Planning
Whatever it is your financial goals are, Morgan Stanley is here to help. Working with a Financial Advisor, combined with Morgan Stanley’s proprietary technology, is a fantastic way to access advice and build a comprehensive wealth plan. As your advisor, we help to uncover your needs, manage risk, and build a customized plan to help achieve your financial goals.
Click Here to Learn More
E-Delivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery. Currently, documents available through eDelivery include statements, trade confirmations and prospectuses, general correspondence, selected Internal Revenue Service (IRS) approved tax documents, syndicate offerings, shareholder communications, and portfolio reports.
Click Here to Learn More
E-Sign
To use eSign, all you need is a valid email address and phone number. The personal identification number (PIN) can be delivered via phone call or via text message. Here are the steps to complete the signing process.
Click Here to Kearn More
E-Authorization
With E-Authorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a wire transfer request.
Location
250 S Park Avenue
Suite 500
Winter Park, FL 32789
US
Direct:
(407) 740-4989(407) 740-4989
Meet My Team
About Shelly Walton
Shelly has been in and around the financial services industry for the past 20 years gathering experience in banking, insurance, and investments. She earned her degree in Business Administration from Florida A&M University and has worked for companies like Merrill Lynch, Allstate and Wells Fargo. She has held her Series 7 & 63 securities license since 1999 and as of 2011 her Series 65.
In her nine-year tenure at Morgan Stanley, Shelly has enjoyed helping other Support Professionals get accustomed to Morgan Stanley systems and processes. She has made herself available as a resource for her peers and new FAA’s that do not have administrative support. She has also assisted in the onboarding of new SP’s in both the Atlanta Perimeter Complex and Winter Park Complex branches. From this passion, she has served as one of four Coaches for the Central North Florida Complex for the past 3 years and as Co-Chair for the Diversity and Inclusion Council.
Shelly currently resides in Debary, FL with her husband, Dwight and their two fur babies, Boris and Bella.
In her nine-year tenure at Morgan Stanley, Shelly has enjoyed helping other Support Professionals get accustomed to Morgan Stanley systems and processes. She has made herself available as a resource for her peers and new FAA’s that do not have administrative support. She has also assisted in the onboarding of new SP’s in both the Atlanta Perimeter Complex and Winter Park Complex branches. From this passion, she has served as one of four Coaches for the Central North Florida Complex for the past 3 years and as Co-Chair for the Diversity and Inclusion Council.
Shelly currently resides in Debary, FL with her husband, Dwight and their two fur babies, Boris and Bella.
Wealth Management
From My Desk
Invest Confidently As You Pursue Your Goals
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
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
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Ready to start a conversation? Contact Samuel Bowyer 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 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4When 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.
5Morgan 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.
6Morgan 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.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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.
9Morgan 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.
10Morgan 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
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Morgan 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.
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 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4When 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.
5Morgan 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.
6Morgan 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.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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.
9Morgan 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.
10Morgan 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
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Morgan 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.
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)
