David Scharf
Managing Director, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(239) 449-7878(239) 449-7878
The Scharf DeSarro Group at Morgan Stanley
Direct:
(315) 792-1216(315) 792-1216
Direct:
(239) 592-1000(239) 592-1000
Toll-Free:
(800) 443-5450(800) 443-5450
Our Mission Statement
We help our clients navigate various aspects of their financial lives with home-grown values, smart technology, and relationships built to last generations.
#50 Forbes Best-In-State Wealth Management Teams 2025
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23–3/31/24.
https://www.morganstanley.com/disclosures/awards-disclosure
#50 Forbes Best-In-State Wealth Management Teams 2025
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23–3/31/24.
https://www.morganstanley.com/disclosures/awards-disclosure
Our Story
Your financial life is about more than just numbers on a page. It’s about having an enjoyable retirement, providing for a child’s education, or realizing your family’s hopes and dreams for the future. That’s why you deserve an experienced team on your side who understands that financial planning is about more than investment ratios and interest rates. It’s about your life and your family’s well-being.
With nearly 100 years of combined experience, our practice is built on three generations of financial advisors and a commitment to four key principles: to provide you with moral, ethical, honest, and intelligent guidance in all that we do.
We serve clients from a range of backgrounds – from doctors and lawyers, to small business owners and distinguished families. Some of our clients are as young as 25, others are in their 90s.
No matter what your age, we always take a very careful look at risk with an eye towards tax mitigation, and do much more than just look at the numbers – we focus on asking the right questions for today and tomorrow. Wealth management is not just a series of financial transactions. It’s about meeting you where you are, and helping you get where you want to be.
Most clients who start with us, stay with us. Why? It comes down to trust, service, and commitment. We listen to what is important to you. And we treat each client the way we would want our loved ones to be treated. It’s as simple as that. That’s how we build relationships that last generations.
We have the youth and experience to guide your family for generations to come. In a rapidly evolving industry, we help you stay ahead of the curve with industry-leading technology that manages risk and keeps you informed. And most importantly, we do so with “old school” values that put you and your family first.
For a second opinion about your investments or to talk about your objectives, give us a call at 315-792-1216.
With nearly 100 years of combined experience, our practice is built on three generations of financial advisors and a commitment to four key principles: to provide you with moral, ethical, honest, and intelligent guidance in all that we do.
We serve clients from a range of backgrounds – from doctors and lawyers, to small business owners and distinguished families. Some of our clients are as young as 25, others are in their 90s.
No matter what your age, we always take a very careful look at risk with an eye towards tax mitigation, and do much more than just look at the numbers – we focus on asking the right questions for today and tomorrow. Wealth management is not just a series of financial transactions. It’s about meeting you where you are, and helping you get where you want to be.
Most clients who start with us, stay with us. Why? It comes down to trust, service, and commitment. We listen to what is important to you. And we treat each client the way we would want our loved ones to be treated. It’s as simple as that. That’s how we build relationships that last generations.
We have the youth and experience to guide your family for generations to come. In a rapidly evolving industry, we help you stay ahead of the curve with industry-leading technology that manages risk and keeps you informed. And most importantly, we do so with “old school” values that put you and your family first.
For a second opinion about your investments or to talk about your objectives, give us a call at 315-792-1216.
Services Include
- Financial PlanningFootnote1
- Asset Management
- Retirement PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Corporate Retirement PlansFootnote4
- Cash Management and Lending ProductsFootnote5
- Business Succession PlanningFootnote6
- Life InsuranceFootnote7
- Long Term Care InsuranceFootnote8
- Planning for Education FundingFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
What We Do
We value our clients the same way they value their investments, and are always excited to take a step beyond the normal course of advisor-client interactions. Here are some of the principles we uphold:
Our process begins with you
Meeting you where you are is the only way to help you get where you want to be. That’s why we start with a deep understanding of you, your family, and your goals. No matter where you are located, our process is the same. We design a financial plan that is tailored to you and your objectives. We also provide online tools that give you a complete view of your finances and help you manage risk, investments, and prepare for the future.
When it comes to client service, we are extremely responsive
Have a question? Call us. Need one-on-one assistance with our high-tech tools? We’re here to help. Want to be better informed on a broad range of topics? We provide seminars on common areas of interest – from social security to cyber security. We want you to have the information you need to be comfortable with your financial decisions this week, next year, and beyond.
We take our responsibility to you seriously
That’s why we take full advantage of the resources of Morgan Stanley, one of the leading financial institutions in the world. We also work closely with your other trusted advisors, including attorneys and CPAs, to help ensure that your financial planning strategy is not only coordinated, but comprehensive.
INDIVIDUAL PLANS FOR INDIVIDUALS LIKE YOU
Goals you set today will evolve over time. Our process is designed to evolve with them- and with the changing circumstances of your life. Holistic in its approach, our planning process will encompass all the elements of your financial and personal life, making sure they align with your current and future goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, our team can help you take charge of your financial future and achieve your goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, our team can help you take charge of your financial future and achieve your goals.
Spending & Budgeting
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool. We make it easy for you and your financial advisor to oversee trends in your financial life.
Spending & Budgeting Tool
LifeView financial planning
This questionnaire will help your Financial Advisor define goals, risk tolerance, assets and liabilities.
LifeView financial planning
529 Plans: A Powerful Tool to save for Education
Though education costs continue to climb, starting to save early can make a difference.
529 Plan info
Retirement Check-up
Given recent market volatility, checking in on your retirement plan may make a lot of sense.
Retirement Check-up
Resources if you are off track on your plan
Don’t worry if your financial goals look out of reach now based on what you’ve saved. There are ways to adjust course that aren’t as difficult as you may think.
ResourcesPROTECTING YOUR ONLINE SECURITY
We serve clients from a range of backgrounds – from doctors and lawyers, to small business owners and distinguished families. Some of our clients are as young as 25, others are in their 90s.
No matter what your age, we always take a very careful look at risk with an eye towards tax mitigation, and do much more than just look at the numbers – we focus on asking the right questions for today and tomorrow. Wealth management is not just a series of financial transactions. It’s about meeting you where you are, and helping you get where you want to be.
Most clients who start with us, stay with us. Why? It comes down to trust, service, and commitment. We listen to what is important to you. And we treat each client the way we would want our loved ones to be treated. It’s as simple as that. That’s how we build relationships that last generations.
No matter what your age, we always take a very careful look at risk with an eye towards tax mitigation, and do much more than just look at the numbers – we focus on asking the right questions for today and tomorrow. Wealth management is not just a series of financial transactions. It’s about meeting you where you are, and helping you get where you want to be.
Most clients who start with us, stay with us. Why? It comes down to trust, service, and commitment. We listen to what is important to you. And we treat each client the way we would want our loved ones to be treated. It’s as simple as that. That’s how we build relationships that last generations.
Cybersecurity Best Practices
- Safeguarding your personal information is one of our highest priorities. While we are all continuing to work from home we find ourselves utilizing technology more now than ever. For some tips and tricks that can help you be more secure at home check out this cybersecurity checklist.
Security Features and Proactive Defense
- Multi-Factor Authentication (MFA)
- Alerts and Notifications
Valuable Tools and Resources
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Morgan Stanley Online (MSO) and MS Mobile
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity. Features include paperless documents, bill pay and secure account management.
Morgan Stanley Online
Global Investment Committee “On the Markets” Report
Every month, Morgan Stanley’s top research analysts publish their “On the Markets” report, providing detailed market commentary on such topics as global equities, fixed income and monetary policy.
Read the most recent report
Total Wealth View
With this service, you can view all your investments together – whether they are held at Morgan Stanley or elsewhere. When you add your external 401(k), as well as your checking, savings and brokerage accounts to this portal, all your assets will be in one place, providing a current and comprehensive view of your wealth.
To learn more, click here
Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Access this week's edition
Digital Vault
The Digital Vault on Morgan Stanley Online allows you to build a centralized document library where all documents are stored using encryption.
Watch this video to learn more
Thoughts on the Markets Podcast
With perspectives on the forces shaping the market, Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Listen to the latest episode
Impact Quotient (IQ)
The Morgan Stanley Impact Quotient™ application gives Wealth Management clients new customizable insights into the social and environmental impact of their investment portfolios.
Impact Quotient (IQ)
Morgan Stanley Minute
In this ongoing series of one-minute videos from our firm’s top investment thinkers, you can explore current trends and topics like green bonds, active investment, monetizing small businesses, cybercrime and more.
View our library of interesting content
Intelligent Withdrawls
Intelligent Withdrawal gives us the ability to look across multiple accounts and products to identify the right combination of securities and tax lots to sell so you can help meet spending needs while making the most out of your hard-earned money.
Intelligent Withdrawls
Morgan Stanley Now What's Next Podcast
From satellite data technology used to solve some of the world's most complex problems to learning how not to follow the crowd when making decisions, the Morgan Stanley Now What's Next Podcast brings forward thinking innovations about the world of business, finance, technology and beyond.
Listen to the newest ideasLocation
106 Business Park Dr
Utica, NY 13502
US
Direct:
(315) 792-1216(315) 792-1216
Toll-Free:
(800) 443-5450(800) 443-5450
8889 Pelican Bay Blvd Ste 300
Naples, FL 34108
US
Direct:
(239) 592-1000(239) 592-1000
Meet The Scharf DeSarro Group
Joseph DeSarro
Senior Vice President, Wealth Management, Financial Advisor, Branch Manager
Phone:
(315) 792-1227(315) 792-1227
Christopher Scharf
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(315) 792-1267(315) 792-1267
William Rust, CFP®
Financial Advisor, CERTIFIED FINANCIAL PLANNER®
Phone:
(315) 792-1251(315) 792-1251
Nicole Curley
Wealth Management Associate
Phone:
(315) 792-1263(315) 792-1263
Jenna Ziarko
Client Service Associate
Phone:
(315) 792-1218(315) 792-1218
Joe DeSarro
Client Service Associate
Phone:
(315) 792-1244(315) 792-1244
About David Scharf
David R. Scharf is an Executive Director, Portfolio Management Director, Financial Planning Specialist, Financial Advisor, and founding member of The Scharf DeSarro Group at Morgan Stanley. With more than 30 years of experience, he focuses on creating custom financial planning strategies for professionals, small business owners, and families.
A second-generation advisor, Dave’s interest in financial planning began at a young age. One of eight children, he would join his father at his office each night, where he listened to client calls and watched stock prices spit out of the ticker tape machine. Dave pursued this interest through college, graduating with a B. S. in Finance from the State University of New York in Utica. He then joined Shearson Lehman Brothers and has worked for Morgan Stanley and its predecessors for his entire career.
With extensive experience and a client-centered approach, Dave builds financial strategies that are tailored to meet each client’s unique needs and objectives. Committed to a high level of communication with clients, he focuses on understanding their goals, anticipating their needs, and returning every client phone call by the end of the day.
Outside of the office, Dave resides in Naples, FL and Clinton, NY with his wife Christina. Active in his community, he is a former board member of the SUNY Utica College Advisory Board and served as Vice President and Treasurer of The ARC of Oneida-Lewis County, a community-based disability rights organization. Dave is an avid runner and outdoor enthusiast.
A second-generation advisor, Dave’s interest in financial planning began at a young age. One of eight children, he would join his father at his office each night, where he listened to client calls and watched stock prices spit out of the ticker tape machine. Dave pursued this interest through college, graduating with a B. S. in Finance from the State University of New York in Utica. He then joined Shearson Lehman Brothers and has worked for Morgan Stanley and its predecessors for his entire career.
With extensive experience and a client-centered approach, Dave builds financial strategies that are tailored to meet each client’s unique needs and objectives. Committed to a high level of communication with clients, he focuses on understanding their goals, anticipating their needs, and returning every client phone call by the end of the day.
Outside of the office, Dave resides in Naples, FL and Clinton, NY with his wife Christina. Active in his community, he is a former board member of the SUNY Utica College Advisory Board and served as Vice President and Treasurer of The ARC of Oneida-Lewis County, a community-based disability rights organization. Dave is an avid runner and outdoor enthusiast.
Securities Agent: PA, NM, DE, CO, GA, WV, VT, OH, ID, WA, SC, PR, OR, MI, CT, IL, SD, RI, NY, NC, WI, VA, UT, ND, MO, ME, MD, AZ, CA, TX, TN, NH, MT, MA, FL, DC, AL, NV, MN, LA, KY, KS, VI, WY, NJ, OK, NE, IN, IA, HI; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1274585
NMLS#: 1274585
About Joseph DeSarro
Joseph DeSarro is a Vice President and a Financial Advisor with The Scharf DeSarro Group at Morgan Stanley. With more than 12 years of experience, he focuses on customized wealth management strategies for professionals, small business owners, and families.
A graduate of Siena College, Joe earned a B.S. in Marketing and Management. He worked in sales for several years before following his passion to a career in financial services. After a successful run as a solo practitioner at Merrill Lynch, Joe moved his practice to Morgan Stanley and co-founded the Scharf DeSarro Group.
Dedicated to providing highly personalized service, Joe builds financial planning and investment strategies that are tailored to meet each client’s unique needs, objectives, and risk tolerance. Joe is able to guide clients through the entire planning process – with a keen understanding of retirement income sources, employer-sponsored plans, distributions, and estate planning.
Outside of work, Joe lives in Frankfort, NY with his wife Jennifer and their two children. Active in his community, he has served as both President and Vice President of the Frankfort Youth Association, and is a former member of the Friends of The Arc Foundation. In his free time, Joe enjoys coaching baseball and playing golf.
A graduate of Siena College, Joe earned a B.S. in Marketing and Management. He worked in sales for several years before following his passion to a career in financial services. After a successful run as a solo practitioner at Merrill Lynch, Joe moved his practice to Morgan Stanley and co-founded the Scharf DeSarro Group.
Dedicated to providing highly personalized service, Joe builds financial planning and investment strategies that are tailored to meet each client’s unique needs, objectives, and risk tolerance. Joe is able to guide clients through the entire planning process – with a keen understanding of retirement income sources, employer-sponsored plans, distributions, and estate planning.
Outside of work, Joe lives in Frankfort, NY with his wife Jennifer and their two children. Active in his community, he has served as both President and Vice President of the Frankfort Youth Association, and is a former member of the Friends of The Arc Foundation. In his free time, Joe enjoys coaching baseball and playing golf.
Securities Agent: IN, NE, MN, NV, MD, OH, NM, DC, AL, WI, NH, GA, TN, WY, IL, PA, RI, ID, ND, WV, SD, CT, WA, HI, AK, TX, AZ, MT, VA, NY, NC, UT, MI, ME, DE, FL, KY, MO, OR, KS, NJ, CA, MS, LA, MA, OK, IA, VT, VI, PR, AR, CO, SC; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 579005
NMLS#: 579005
About Christopher Scharf
Christopher Scharf is a Financial Advisor with The Scharf DeSarro Group at Morgan Stanley. With extensive industry experience, he focuses on creating custom financial planning strategies for professionals, small business owners, and families.
A third-generation advisor, Chris developed a passion for financial advising at a young age. He pursued his interest in college, earning a B.S. in Finance from Siena College and an M.B.A. with a concentration in Finance from Union Graduate College. Chris began his career with a Goldman Sachs Company named AYCO, where he provided comprehensive financial counseling to corporate executives at global Fortune 500 companies. He joined Morgan Stanley in 2018 when he moved to Utica to be closer to family.
Drawing on his comprehensive financial services experience, Chris helps clients navigate a variety of financial complexities – from planning for retirement to mitigating taxes and minimizing risk. Taking full advantage of Morgan Stanley’s industry-leading technology and resources, Chris helps keep clients connected and on track to meet their goals.
Outside of work, Chris lives in New Hartford, NY with his wife Gabriella, two sons Carmelo and Julian and their chocolate Labrador Oakley. In his free time, he enjoys distance running, traveling, and playing golf.
A third-generation advisor, Chris developed a passion for financial advising at a young age. He pursued his interest in college, earning a B.S. in Finance from Siena College and an M.B.A. with a concentration in Finance from Union Graduate College. Chris began his career with a Goldman Sachs Company named AYCO, where he provided comprehensive financial counseling to corporate executives at global Fortune 500 companies. He joined Morgan Stanley in 2018 when he moved to Utica to be closer to family.
Drawing on his comprehensive financial services experience, Chris helps clients navigate a variety of financial complexities – from planning for retirement to mitigating taxes and minimizing risk. Taking full advantage of Morgan Stanley’s industry-leading technology and resources, Chris helps keep clients connected and on track to meet their goals.
Outside of work, Chris lives in New Hartford, NY with his wife Gabriella, two sons Carmelo and Julian and their chocolate Labrador Oakley. In his free time, he enjoys distance running, traveling, and playing golf.
Securities Agent: MT, KS, IN, ID, PR, NM, NC, NY, MO, MA, FL, AZ, WA, VT, VA, RI, NH, MD, IL, CT, WY, NJ, DE, DC, CO, SD, NV, KY, IA, PA, OK, NE, HI, TN, LA, WI, OH, GA, MN, ME, CA, AL, WV, UT, TX, SC; General Securities Representative; Investment Advisor Representative
NMLS#: 1943177
NMLS#: 1943177
About William Rust
Bill is a Financial Advisor with the Scharf DeSarro Group at Morgan Stanley. He brings vast experience from multiple financial firms offering investment management and financial planning strategies.
A graduate of Saint John Fisher College, with a B.S. in Business and concentration in Financial Planning. Bill has obtained the Certified Financial Planner (CFP) designation which allows him to provide comprehensive financial planning strategies for his clients. Dedicated to providing highly personalized service, financial plans and investment strategies that are tailored to meet each client’s individual needs.
Outside of work, Bill lives in Whitesboro, NY with his wife Araya, daughter Cleo, and 2 dogs. During his free time, he enjoys exploring the Adirondacks, playing a round of golf and rooting for the Buffalo Bills.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
The CFP® certification process, administered by CFP Board, identifies to the public that those individuals who have been authorized to use the CFP® certification marks in the U.S. have met rigorous professional standards and have agreed to adhere to the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence when dealing with clients.
A graduate of Saint John Fisher College, with a B.S. in Business and concentration in Financial Planning. Bill has obtained the Certified Financial Planner (CFP) designation which allows him to provide comprehensive financial planning strategies for his clients. Dedicated to providing highly personalized service, financial plans and investment strategies that are tailored to meet each client’s individual needs.
Outside of work, Bill lives in Whitesboro, NY with his wife Araya, daughter Cleo, and 2 dogs. During his free time, he enjoys exploring the Adirondacks, playing a round of golf and rooting for the Buffalo Bills.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
The CFP® certification process, administered by CFP Board, identifies to the public that those individuals who have been authorized to use the CFP® certification marks in the U.S. have met rigorous professional standards and have agreed to adhere to the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism and diligence when dealing with clients.
Securities Agent: NC, HI, MN, AR, WA, OK, NJ, MD, VT, IA, VA, NY, TX, RI, PR, NV, IN, CA, AZ, AL, UT, TN, IL, DC, SD, SC, OH, NH, MT, MI, ME, MA, ID, CO, WI, PA, GA, DE, WY, NE, MO, KS, LA, KY, FL, CT, NM, WV; General Securities Representative; Investment Advisor Representative
NMLS#: 2475148
NMLS#: 2475148
About Nicole Curley
Nicole Curley is a Wealth Management Associate at The Scharf DeSarro Group. Before joining Morgan Stanley in 2018, Nicole spent ten years working for a non-profit. After many years actively fundraising for the organization, Nicole found an interest in learning more about business and finance. She took a position with the group as a Client Service Associate to further her knowledge and expand her skills in the financial industry.
Nicole's personal experience as a wife, mother and daughter combined with her professional skills allow her to relate to clients on various levels and offer them assistance through the different stages of their financial journey.
Nicole graduated from Mohawk Valley Community College in Utica, New York. She currently holds her Series 7 and Series 66 licenses.
Nicole's personal experience as a wife, mother and daughter combined with her professional skills allow her to relate to clients on various levels and offer them assistance through the different stages of their financial journey.
Nicole graduated from Mohawk Valley Community College in Utica, New York. She currently holds her Series 7 and Series 66 licenses.
About Joe DeSarro
Joe DeSarro began his career at Morgan Stanley in 2023 as a Client Service Associate. With a relentless drive and a strong desire to excel in the financial industry, Joe is committed to delivering exceptional service to clients, ensuring every detail is meticulously handled. A former college athlete, Joe remains active through sports and golf in his free time. Additionally, Joe is a family-oriented individual who values quality time with loved ones outside the office.
Contact David Scharf
Contact Joseph DeSarro
Contact Christopher Scharf
Contact William Rust
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
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?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact The Scharf DeSarro 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 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.
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 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.
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 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.
5Morgan 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
6Morgan 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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 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.
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 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.
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 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.
5Morgan 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
6Morgan 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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)
