Phone:
(714) 990-5219(714) 990-5219
Sapphire Group at Morgan Stanley
Direct:
(714) 990-5256(714) 990-5256
Toll-Free:
(800) 990-5230(800) 990-5230
Our Mission Statement
For the past 5 decades and 3 generations, we've used our experience, intellectual capital and dedicated personal service to help our clients meet their financial goals.
About Us
Welcome!
The Sapphire Group at Morgan Stanley Wealth Management believes in having deep and impactful relationships with their clients built on a foundation of trust.
The team’s 130+ years of combined experience has allowed them to unite their knowledge and focus to advise multiple generations not only in Orange County but across the United States. As of June 2024, The Sapphire Group manages over $650 million in assets.
We look forward to working with you.
The Sapphire Group at Morgan Stanley Wealth Management believes in having deep and impactful relationships with their clients built on a foundation of trust.
The team’s 130+ years of combined experience has allowed them to unite their knowledge and focus to advise multiple generations not only in Orange County but across the United States. As of June 2024, The Sapphire Group manages over $650 million in assets.
We look forward to working with you.
Services Include
- Professional Portfolio ManagementFootnote1
- Retirement PlanningFootnote2
- Wealth ManagementFootnote3
- Corporate Cash Management
- Philanthropic Services
- Executive Financial ServicesFootnote4
- Estate Planning StrategiesFootnote5
- 401(k) Rollovers
- Planning for Education FundingFootnote6
- Municipal BondsFootnote7
- Cash Management and Lending ProductsFootnote8
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Manage Your Financial Life & Beyond
Based in Brea, CA in conjunction with Morgan Stanley's global elite resources and technology, The Sapphire Group is equipped to help clients throughout the country.
Reaching your goals often involves going beyond investment advice—we provide a wide array of offerings and services centered on you and customized to help meet your needs, and provide access to specialists to help pursue specific goals.
Reaching your goals often involves going beyond investment advice—we provide a wide array of offerings and services centered on you and customized to help meet your needs, and provide access to specialists to help pursue specific goals.
A FINANCIAL PLAN MADE FOR YOU
Our wealth management process begins with you, your investment objectives and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life - your investments and your cash management needs - making sure they align with your goals and wealth management plan.
At Morgan Stanley, we understand that the goals you set today will evolve over time. Your plan will evolve with them - and with the changing circumstances of your life.
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources of Morgan Stanley, we can help you take charge of your financial future an achieve your goals. Below, we have provided some links that will introduce you to a few of the tools that we use, please click to learn more about them. We hope that you will return often to learn more about topics impacting your wealth.
At Morgan Stanley, we understand that the goals you set today will evolve over time. Your plan will evolve with them - and with the changing circumstances of your life.
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources of Morgan Stanley, we can help you take charge of your financial future an achieve your goals. Below, we have provided some links that will introduce you to a few of the tools that we use, please click to learn more about them. We hope that you will return often to learn more about topics impacting your wealth.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online Today
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started Today
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk Platform
Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our award winning tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth Management
Donor Advised Funds (DAF)
A solution that may help you execute planned giving, offer an efficient way to donate complex and illiquid assets, and simplify charitable giving reporting while potentially mitigating taxes. Bring philanthropy into your wealth plan and help amplify the impact of your giving through the Morgan Stanley Global Impact Funding Trust (MS GIFT).
MS GIFTWhat to Expect
Your financial journey is personal, and so is the Morgan Stanley Client
Experience.
Experience.
Video Series
Welcome to our Video Series page! Our goal is to help you be informed on different investment and retirement strategies as well as updates within the financial industry.
Location
10 Pointe Dr
Suite 400
Brea, CA 92821
US
Direct:
(714) 990-5256(714) 990-5256
Toll-Free:
(800) 990-5230(800) 990-5230
Meet Sapphire Group
Phone:
(714) 674-4117(714) 674-4117
Vice President, Financial Advisor, Portfolio Management Director, Financial Planning Specialist
Phone:
(714) 990-5256(714) 990-5256
First Vice President, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER®
Phone:
(714) 674-4106(714) 674-4106
Thomas Gabler, Portfolio Associate
Financial Planning Specialist, Registered Client Service Associate
Phone:
(714) 674-4151(714) 674-4151
Vanessa Ly
Registered Client Service Associate
Phone:
(714) 990-5241(714) 990-5241
Niko Monserrat
Registered Client Service Associate
Phone:
(714) 990-5267(714) 990-5267
About Erick Gabler
He is the founding partner of The Sapphire Group and has been with Morgan Stanley since 1986. Erick is firmly committed to long-term relationships and exceptional personalized service. He represents the second generation of the Gabler family at Morgan Stanley. and understand the importance of family and legacy. As the team's Senior Portfolio Manager Director, he implements customized wealth management strategies that help meet the specific needs of high net-worth individuals and families.
He got his first job while in high school working at a record store and developed a love of music. In 1984, he graduated with a degree in Business from Cal Poly Pomona. Erick is both an avid jazz music fan and enjoys traveling. Mindful of financial history, he enjoys reading about market behavior and the psychology of investing. He and his wife of 40 years live in Orange County.
He got his first job while in high school working at a record store and developed a love of music. In 1984, he graduated with a degree in Business from Cal Poly Pomona. Erick is both an avid jazz music fan and enjoys traveling. Mindful of financial history, he enjoys reading about market behavior and the psychology of investing. He and his wife of 40 years live in Orange County.
Securities Agent: MD, TX, OH, NV, IL, MA, GA, WI, NM, KS, CO, KY, AR, NY, MO, MI, FL, DE, WY, WA, IN, AZ, VA, UT, SD, NC, ID, SC, OK, HI, CA, OR, TN; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
CA Insurance License #: 0A61272
CA Insurance License #: 0A61272
About Susan G West
Susan has been with Morgan Stanley as an FA for over 12 years. She graduated from the University of California, Los Angeles with a B.A. in Economics and is a graduate of California State Polytechnic University, Pomona with a Master of Business Administration (M.B.A).
Susan became a Certified Financial Planner in 2015. Prior to joining Morgan Stanley, Susan worked in the healthcare industry for over 12 years where she held leadership positions at both a nationally recognized university and healthcare organization.
Currently, Susan’s core focus is to effectively develop investment strategies and portfolio management for high-net-worth individuals, families, Foundations, and other nonprofit organizations. In addition, Susan is very active volunteering and serving on various committees and boards within her community, such as Soroptimist International. In Susan’s free time, she enjoys golf and traveling.
Susan became a Certified Financial Planner in 2015. Prior to joining Morgan Stanley, Susan worked in the healthcare industry for over 12 years where she held leadership positions at both a nationally recognized university and healthcare organization.
Currently, Susan’s core focus is to effectively develop investment strategies and portfolio management for high-net-worth individuals, families, Foundations, and other nonprofit organizations. In addition, Susan is very active volunteering and serving on various committees and boards within her community, such as Soroptimist International. In Susan’s free time, she enjoys golf and traveling.
Securities Agent: OK, SC, DE, UT, ND, NC, MD, MA, AR, WA, TX, PA, MO, CO, AK, WI, NV, IN, GA, CA, IL, WY, NM, MI, FL, CT, KY, HI, VA, OR, OH, NY, MT, ID, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 1279163
CA Insurance License #: 0H61531
NMLS#: 1279163
CA Insurance License #: 0H61531
About Robert C. Gabler
Robert has been a Financial Advisor and partner with the Sapphire Group at Morgan Stanley for 14 years. He represents the third generation of the Gabler family at the firm. He is a Portfolio Manager with a focus on value investing and managing the investments for our tax sensitive clients. He is also a financial planning specialist (FPS) who understands that every client and business is unique and no plan is alike.
Always a fast learner, He graduated from California State University, Fullerton with his B.A. in Business Administration shortly after his 21st birthday. Robert and his wife live in Orange County with their two children and their two rescued dogs.
When he's not at work or with family, he can be found running/training for his next race or sailing with his Morgan Stanley partner Tom Valcich.
Always a fast learner, He graduated from California State University, Fullerton with his B.A. in Business Administration shortly after his 21st birthday. Robert and his wife live in Orange County with their two children and their two rescued dogs.
When he's not at work or with family, he can be found running/training for his next race or sailing with his Morgan Stanley partner Tom Valcich.
Securities Agent: WI, UT, NY, NV, MI, VA, NC, MO, MA, KY, WA, SC, MD, ID, FL, AZ, OK, IL, AK, WY, TX, TN, OR, GA, DE, AL, OH, NM, CA, MT, IN, AR, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 1380613
CA Insurance License #: 0H53988
NMLS#: 1380613
CA Insurance License #: 0H53988
About Tom Valcich
Tom began his career in 1982 with E.F. Hutton which over a multitude of mergers over the decades is now Morgan Stanley. He has been a Certified Financial Planner (CFP) since 1992.
He graduated high school from the Don Bosco Technical Institute and received his B.A. from California State University Los Angeles. He also has his M.B.A from California Sate University Long Beach. Tom is a U.S. Army Veteran and served in S. Korea.
Tom loves racing his sailboat and is the co-owner of the Dos Amigos Dos. He is also an avid photographer.
He graduated high school from the Don Bosco Technical Institute and received his B.A. from California State University Los Angeles. He also has his M.B.A from California Sate University Long Beach. Tom is a U.S. Army Veteran and served in S. Korea.
Tom loves racing his sailboat and is the co-owner of the Dos Amigos Dos. He is also an avid photographer.
Securities Agent: NY, AZ, NM, MO, WA, SC, OH, MD, KY, CO, TX, FL, AR, OR, WI, IL, VA, NV, MT, MI, GA, HI, UT, OK, NC, IN, WY, MA, ID, DE, CA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
CA Insurance License #: 0A83148
CA Insurance License #: 0A83148
About Thomas Gabler
Thomas joined Morgan Stanley in 2018 and manages the team's investment research and outreach. He has his B.A. from Biola University in European History and graduated Summa Cum Laude. He also has his Master's degree graduating with Cum Laude honors in Philosophy from Biola University. He is a member of both Phi Alpha Theta as well as Kappa Tau Epsilon.
Thomas holds a Financial Planning Specialist* designation in addition to his Series 7 and 66 securities licenses.
Thomas lives with his wife in north Orange County, and enjoys traveling abroad as well as exploring and enjoying interesting places around SoCal.
*This role cannot solicit or provide investment advice
Thomas holds a Financial Planning Specialist* designation in addition to his Series 7 and 66 securities licenses.
Thomas lives with his wife in north Orange County, and enjoys traveling abroad as well as exploring and enjoying interesting places around SoCal.
*This role cannot solicit or provide investment advice
About Vanessa Ly
I am a long time Michigan resident. I recently moved CA when my daughter began attending UC Irvine. I love the CA weather. Some of my favorite things are anything matcha, spicy foods and a good thunderstorm.
I am so happy to be joining the Sapphire Group and working with excellent experienced financial professionals. I have over 20 years of experience in the financial services industry and enjoy working with people.
I am so happy to be joining the Sapphire Group and working with excellent experienced financial professionals. I have over 20 years of experience in the financial services industry and enjoy working with people.
About Niko Monserrat
Niko joined Morgan Stanley in 2020 and is a Registered Client Service Associate. He received his B.A. in Business Administration, with a concentration in finance from Cal State University, Fullerton. He has always lived in California and currently resides in Orange County.
In his free time, Niko enjoys playing golf, traveling, and spending time with his family and friends.
In his free time, Niko enjoys playing golf, traveling, and spending time with his family and friends.
Contact Erick Gabler
Contact Susan G West
Contact Robert C. Gabler
Contact Tom Valcich
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
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
Article Image
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
Are You Prepared for Tax Day?
Article Image
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
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 Sapphire Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan 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.
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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan 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.
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.
6When 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.
7Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
8Morgan 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
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
1Morgan 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.
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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan 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.
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.
6When 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.
7Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
8Morgan 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
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)
