Richard M Schwartz
Executive Director, Wealth Management, Financial Advisor, Senior Portfolio Manager, Resident Manager
Phone:
(908) 607-2901(908) 607-2901
Schwartz Jacobson Group at Morgan Stanley
Direct:
(908) 607-2902(908) 607-2902
Toll-Free:
(866) 532-2484(866) 532-2484
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Meet the Professionals
We believe that working as a team helps to provide you with access to the most appropriate solutions, and helps to ensure that you benefit from the highest levels of service. While we bring complementary skills and perspectives to our clients, we also share a commitment to responding to yours needs promptly, professionally and thoroughly. Our goal is to earn your confidence not only through the quality of solutions we provide to you, but also the excellence with which we deliver them.
Services Include
- 401(k) Rollovers
- Retirement PlanningFootnote1
- Wealth ManagementFootnote2
- Alternative InvestmentsFootnote3
- Fixed IncomeFootnote4
- Trust ServicesFootnote5
- Planning for Individuals with Special Needs
- Corporate Pension Plans
- Trust AccountsFootnote6
- Qualified Retirement PlansFootnote7
- Cash Management and Lending ProductsFootnote8
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
We understand that each individual's financial journey is unique, which is why we have crafted a step-by-step approach to ensure we provide tailored solutions to meet your specific needs and goals.
1. Introductory Call
We begin with an informal conversation to understand your financial concerns and determine how we can add value. If we all agree to move forward, we’ll schedule our next meeting and request important financial information.
2. Get To Know You Meeting
We continue the dialogue by fostering an in-depth conversation where we learn about the values that shape your decisions and identify any unique circumstances. We also review the documents you’ve prepared and define your priorities.
3. Analysis & Plan Development
Here, we utilize proprietary financial planning tools to develop a personalized and detailed plan with recommendations to help you grow, preserve and transfer your wealth.
4. Implementation
In this step, we present appropriate strategies that are designed to work together to achieve your goals. Upon your approval, we open new accounts for you at Morgan Stanley and initiate our investment recommendations. We’ll also begin to implement other strategies we’ve discussed. These often encompass tax minimization strategies, as well as risk management and estate planning techniques.
5. Ongoing Service
Committed to premium service, we focus on developing a relationship that provides special value to you and your family. As we begin to execute each strategy, we’ll set up tools so you have immediate access to your account information. And because markets and personal needs evolve over time, we set up ongoing meetings to ensure your plan remains on schedule to achieve your goals.
Modern Wealth Tools
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies that we offer our clients.
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of digital features that help you keep track of your finances. They include mobile check deposit, paying your bills online, sending money through Zelle®, and accessing current market data, research, company profiles and quotes.
Morgan Stanley Online
Total Wealth View
As a Morgan Stanley client, you can now conveniently view your accounts from other financial institutions in one location to give you and your financial advisor a full picture of your financial wealth and health. Log into Morgan Stanley Online or download the Morgan Stanley Mobile App to link and add external accounts.
Total Wealth View
Digital Vault
Digital Vault, available on Morgan Stanley Online and the Mobile App, allows you to build a centralized document library where files are stored using encryption.
Digital Vault
Cyber Security Resources
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Cybersecurity Resources
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative risk engine used by several of the world's largest institutional asset managers, providing you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios.
Portfolio Risk PlatformTax-Efficient Strategies
Here at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We want to provide our clients with as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
4 Key Tax Questions for Investors to Consider
Factoring the impact of taxes into your investment decisions can help you keep more of your hard-earned money, both now and in the future.
Explore the Questions Here
Tax-Smart Strategies for Retirement
Looking for ideas on how to be more tax efficient when planning for your retirement?
Read the Strategies Here
Tax-Efficient Portfolios
Morgan Stanley Portfolio Solutions/Parametric Tax Efficient Portfolios are designated for high-net-worth investors seeking a tax-managed, diversified portfolio. Portfolios are monitored, evaluated, and rebalanced to maintain diversification and react to changing market conditions. Some key benefits include tax efficiencies, clarity by combining multiple asset classes in one account, and confidence with asset allocation advice deriving from the Global Investment Committee, so your portfolio is aligned with the firm's best thinking.
Learn More About the Portfolios Here
Actively Pursuing Tax Alpha
Opportunities for tax strategies ebb and flow with the fluctuations of the market and not with our fiscal calendars. Incorporating tax-sensitive investing into the daily trading activity of an account can capitalize on market fluctuations and potentially yield better after-tax results.
Read More About Tax Alpha
2025 Tax Tables
If you are interested in seeing the updated tax tables and other details for 2025, see all additional information here.
View the 2025 Tax Tables Here
Taxation of Global Clients
Individuals who are neither U.S. citizens nor residents may be subject to gift and estate tax on U.S. situs assets. This article provides a discussion of how U.S. income taxes and gift and estate taxes apply to global clients.
Learn More About Taxation of Global Clients Here
How to Access Your Tax Forms
How to Access Your Tax Forms
1. Log into your account via Morgan Stanley Online
2. Click the Accounts tab
3. Select the Documents tab
4. Go to the Statement drop-down tab
5. Select Tax Documents and download them
Click Here to Log In to Morgan Stanley Online1. Log into your account via Morgan Stanley Online
2. Click the Accounts tab
3. Select the Documents tab
4. Go to the Statement drop-down tab
5. Select Tax Documents and download them
Tax Filing Checklist: How to Prepare to File Your Income Tax Returns
This year, you can get ahead of filing your taxes. To effectively prepare, you should get organized as early as possible. Below is a checklist to help guide your preparation.
See the Checklist HereFinancial Planning Resources
LifeView Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual’s financial life, including investments and cash management needs.
LifeView provides progress-to-goals reporting and can also illustrate complex planning strategies such as methods of stock option exercise, Roth conversions and 401k early distributions.
Fill out the questionnaire to get started.
LifeView QuestionnaireLifeView provides progress-to-goals reporting and can also illustrate complex planning strategies such as methods of stock option exercise, Roth conversions and 401k early distributions.
Fill out the questionnaire to get started.
Aladdin - Intelligent Risk Management
There’s a chance your portfolio may be at risk, but how you manage that risk is what matters.
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.
Portfolio Risk Platform - Powered by AladdinPortfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides both an overview and a detailed view to better enable risk to be effectively monitored and managed.
Retirement Planning
Most of us have numerous goals, but no goal is more important than securing a comfortable retirement. It is important to look at time horizon, Risk tolerance, and current savings to structure a sound retirement plan.
Retirement Planning
Trust & Estate Planning
Estate planning is the process of making arrangements to pass down wealth and assets after a person’s death. Creating an estate plan early is crucial as it ensures that your wishes are precisely reflected in your estate plan. Proper estate planning gives careful consideration to the your future plans, preferences and goals.
When creating a plan for your estate there are many questions that you might need to ask yourself. We have created a list of these important questions for your reference.
Learn MoreWhen creating a plan for your estate there are many questions that you might need to ask yourself. We have created a list of these important questions for your reference.
Family Office Resources
Ultra-high net worth individuals and families often have unique and complex planning needs. Here at Morgan Stanley, we have a variety of Family Office Resources that can assist our family office clients in assessing and coming up with solutions to their goals; no matter how complex they may be.
Family Office ResourcesLocation
15 Independence Blvd 1st Fl
Warren, NJ 07059
US
Direct:
(908) 607-2902(908) 607-2902
Toll-Free:
(866) 532-2484(866) 532-2484
Fax:
(908) 626-8650(908) 626-8650
Meet Schwartz Jacobson Group
Alan Jacobson, CFP®, CIMA®, CPWA®
Executive Director, Wealth Management, Financial Advisor, Executive Financial Services Director, Senior Portfolio Manager
Phone:
(908) 607-2902(908) 607-2902
Ana M. Costa
Assistant Vice President, Portfolio Management Associate
Phone:
(908) 607-2903(908) 607-2903
Samantha Kucevic
Registered Associate
Phone:
(908) 306-8001(908) 306-8001
Michael Orris
Registered Client Service Associate
Phone:
(908) 607-2906(908) 607-2906
Nick Neumann
Client Relationship Analyst
Phone:
(973) 461-9219(973) 461-9219
About Richard M Schwartz
Richard Schwartz, Senior Vice President, Senior Portfolio Management Director, Financial Advisor started his career as a Municipal Bond Specialist at J.B. Hanauer Securities in 1981. In 1983 he joined Prudential-Bache Securities as a financial advisor and was promoted to Vice President. In 1990 he joined Merrill Lynch Securities as a financial advisor and remained with Merrill Lynch until 2007 when Richard and his team joined Smith Barney and he became the Resident Branch Manager for the Warren New Jersey office. Shortly thereafter, Smith Barney was purchased by Morgan Stanley. He has also acted as a Board member and Treasurer for C.A.S.A. (court appointed special advocates) a non-profit organization that protects the rights of foster children based in Newark, N.J. Richard resides in Warren and raised his three adult children , with his wife Wendy, who is a licensed clinical social worker
Securities Agent: VT, MD, DC, CT, RI, NV, NC, AL, OR, WA, MN, MI, DE, AK, VA, TX, PA, NY, NH, MA, CO, ME, UT, OH, KY, KS, FL, CA, AZ, WI, SC, MO, LA, IL, GA, NJ, NE; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 303069
NMLS#: 303069
About Alan Jacobson
Alan Jacobson, CFP®, CIMA®, CPWA®, Senior Vice President, financial advisor developed his interest in financial services at the age of 17 after securing a part time job working for Prudential-Bache Securities. At the age of 19, Alan sat for and passed the Series 7 examination and continued to work part time at Merrill Lynch while attending college. After spending a brief time after graduation working at Chemical Bank, Alan joined Merrill Lynch where he spent the next 13 years of his career working as a financial advisor. During that time he earned the Certified Financial Planning (CFP®) designation and attended the prestigious Wharton School of Business to earn his Certified Investment Management analyst credentials (CIMA®). Alan also holds the Certified Private Wealth Advisor® (CPWA®) designation earned from Yale School of Management in 2018. Alan and his team joined Smith Barney in 2007 which eventually became Morgan Stanley. Alan focuses on comprehensive wealth management and financial planning for the team’s clients. Alan resides in Warren, NJ with his wife Tamara and three children, Laura, Lexi, and Ella.
Securities Agent: KS, OH, VT, VA, TX, NE, LA, DE, DC, WI, PA, NH, NC, MI, MA, KY, CA, AK, WA, UT, RI, NJ, AL, SC, CT, MO, MN, ME, MD, GA, CO, AZ, NY, NV, IL, OR, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1282501
NMLS#: 1282501
About Ana M. Costa
• Team Member for over 25 years
• B.A., Economics, Kean University
• Series 7 - General Securities Representative
• Series 66 - Combined Investment Advisory Agent & Uniform State Exam
• 11 Years at Merrill Lynch prior to coming to Morgan Stanley* in 2007
• Lives in Warren, NJ with her husband Joe, their three children Jason, Andrew and Eliana
• B.A., Economics, Kean University
• Series 7 - General Securities Representative
• Series 66 - Combined Investment Advisory Agent & Uniform State Exam
• 11 Years at Merrill Lynch prior to coming to Morgan Stanley* in 2007
• Lives in Warren, NJ with her husband Joe, their three children Jason, Andrew and Eliana
About Samantha Kucevic
• M.B.A, Finance, Fairleigh Dickinson University
• SIE - Securities Industry Essentials
• Series 7 - General Securities Representative
• Series 66 - Uniform Combined State Law Examination
• Lives in Long Valley, NJ
• SIE - Securities Industry Essentials
• Series 7 - General Securities Representative
• Series 66 - Uniform Combined State Law Examination
• Lives in Long Valley, NJ
About Michael Orris
• B.S., Biotechnology, Penn State University
• United States Marine Corps Veteran
• 1 Year at the Milton S. Hershey Medical Center before joining Morgan Stanley in 2023
• Lives in Warren, NJ with his wife, Jillian
• United States Marine Corps Veteran
• 1 Year at the Milton S. Hershey Medical Center before joining Morgan Stanley in 2023
• Lives in Warren, NJ with his wife, Jillian
About Nick Neumann
Nicholas J. Neumann is a Client Relationship Analyst serving The Schwartz Jacobson Group at Morgan Stanley Wealth Management's Warren, NJ office.
Nicholas began his career in financial services in 2011. Prior to transitioning to his current role, he served as a Cash Management Specialist within Morgan Stanley's Private Banking Group. Before joining Morgan Stanley, he served as a Wealth Management Banking Specialist at Merrill Lynch.
On the team, Nicholas's main focuses will be Financial Planning and Private Banking.
Nicholas received a Bachelor of Arts in Communication with a focus on Business Communications, from Kean University. He currently resides in Martinsville, NJ.
Nicholas is highly enthusiastic and adept in the latest technologies and advancements. Outside of the office, he enjoys using credit card points earned to travel the world.
Nicholas began his career in financial services in 2011. Prior to transitioning to his current role, he served as a Cash Management Specialist within Morgan Stanley's Private Banking Group. Before joining Morgan Stanley, he served as a Wealth Management Banking Specialist at Merrill Lynch.
On the team, Nicholas's main focuses will be Financial Planning and Private Banking.
Nicholas received a Bachelor of Arts in Communication with a focus on Business Communications, from Kean University. He currently resides in Martinsville, NJ.
Nicholas is highly enthusiastic and adept in the latest technologies and advancements. Outside of the office, he enjoys using credit card points earned to travel the world.
Contact Richard M Schwartz
Contact Alan Jacobson
Wealth Management
Global Investment Office
Portfolio Insights
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
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
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 Schwartz Jacobson 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.
1When 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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan 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.
7When 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.
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
1When 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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
4Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
5Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan 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.
7When 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.
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)
