Andrew Burkhardt
Associate Private Banker
J. Scott Quinto, CPM®
First Vice President, Wealth Management,
Financial Advisor,
Global Sports and Entertainment Director,
Senior Portfolio Manager,
Alternative Investments Director
Direct:
(212) 401-0545(212) 401-0545
My Mission Statement
Guiding your financial journey with a personal touch, an approachable and experienced advisor simplifies complex concepts to help you achieve your goals.
My Story and Services
An experienced wealth management professional with more than 30 years of industry experience, Scott is dedicated to providing customized advice and investment strategies to high net worth individuals, family offices, endowments and foundations in the New York metropolitan area. His comprehensive approach includes a thorough planning process and a commitment to providing outstanding service.
Scott began his career in financial services as a traditional broker at Paine Webber in 1992. Over the years, Scott has had the opportunity to work at several large financial institutions, including First Union (formerly Everen Securities), Oppenheimer and Credit Suisse. He joined Morgan Stanley in 2015, then became a Certificated Portfolio Manager after studying at Columbia University in 2018. He continues to build trust with clients by upholding transparency, and delivering exceptional client experience. Scott delivers high quality service, guided by a distinctive value proposition that prioritizes trustworthiness, productivity and a dedication to asking the right questions to understand and help meet his clients financial needs.
Scott grew up in a Spanish speaking household in Manhattan and is fluent in Spanish. He is a member of the Morgan Stanley Wealth Management Multicultural Networking Group and the Latino Employee Networking Group. Scott actively participates in the exciting world of e-sports and entertainment. He works with business managers, athletes, and entertainers in the field.
Scott attended Fordham University where he studied finance. He participates in the foster home program for North Shore Animal league and is a CrossFit and basketball aficionado.
Scott began his career in financial services as a traditional broker at Paine Webber in 1992. Over the years, Scott has had the opportunity to work at several large financial institutions, including First Union (formerly Everen Securities), Oppenheimer and Credit Suisse. He joined Morgan Stanley in 2015, then became a Certificated Portfolio Manager after studying at Columbia University in 2018. He continues to build trust with clients by upholding transparency, and delivering exceptional client experience. Scott delivers high quality service, guided by a distinctive value proposition that prioritizes trustworthiness, productivity and a dedication to asking the right questions to understand and help meet his clients financial needs.
Scott grew up in a Spanish speaking household in Manhattan and is fluent in Spanish. He is a member of the Morgan Stanley Wealth Management Multicultural Networking Group and the Latino Employee Networking Group. Scott actively participates in the exciting world of e-sports and entertainment. He works with business managers, athletes, and entertainers in the field.
Scott attended Fordham University where he studied finance. He participates in the foster home program for North Shore Animal league and is a CrossFit and basketball aficionado.
Securities Agent: PA, NH, CT, MT, NM, MI, DE, WI, NV, NC, MN, AR, OH, FL, AZ, WA, NY, MO, ME, AL, VT, RI, MA, KY, IL, CA, VA, TX, OR, NJ, KS, ID, HI, CO, WY, UT, PR, WV, SC, MD, GA, DC, TN, NE, LA, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 1435724
NMLS#: 1435724
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
At Morgan Stanley, I believe in first understanding your individual financial situation, goals, objectives and risk tolerance. This allows me to create a personalized solution that aligns with your priorities and needs.
- Take care of your family without compromising your own future
- Understand the mechanics of your financial well-being
- Extend your brand or expand your footprint
- Stretch peak earnings and plan for your lifetime
- Build, buy, borrow and understand how to navigate the financial world
- Make the difference you want to see in the world
Contact Me
My work with you starts with one or more in-depth, exploratory meetings. I need to understand your unique financial situation so I can offer you the best possible advice and solutions.
1. Introductory Meeting
Let's begin with a friendly chat to get to know each other. This meeting is all about you sharing your financial dreams and concerns so we can embark on this journey together.
2. Discovery
In our second step, we will dive into the nitty-gritty of your financial world. I will listen closely to you unique story, finances, and goals to create a plan tailed to you.
3. Financial Plan Presentation
This is where your vision takes shape. I will craft a personalized plan and walk you through it, to make sure every detail feels designed like it's made for you.
4. Implementation
It is time to put the plan into action. Together we will make changes to your financial accounts, and investments, helping turn your dreams into a reality.
5. Performance Tracking and Monitoring
Our relationship continues where I keep a watchful eye on you progress. I will continue to make adjustments as your life evolves in an effort to keep you finical plan in sync with your changing needs and circumstances.
How I Can Help
Financial Solutions for Prospective Pros
The journey to becoming a professional athlete is exciting – and challenging. The Global Sports & Entertaiment Groups can offer financial support at the right moment. Even if an athlete just wants to talk with us to get a second opinion about their options, we're here to help.
It's all part of our mission to give back to the sports and entertainment community by providing the skills and knowledge to help athletes make smart choices about their finances. We want athletes to not only think about today, but tomorrow, too.
Planning for the Unexpected: Financial Tips for Unpredictable Careers
Athletes and entertainers' careers often have their ups and down, all the more reason to plan ahead for a financially stable future. Here's how.
The Path From Athlete to Entrepreneur
Entrepreneurs and athletes have a lot in common: Both have competitive drives and get-it-done mindsets. They don't shy away from calculated risks and consider failure as a learning opportunity.
Many athletes think about what they'll do after sports, some choosing to become entrepreneurs. Learn how a our team can help plan for success.
Valuable Tools and Resources
We offer a comprehensive suite of tools to manage your wealth more effectively in today's busy world. I am happy to assist you in signing up for any of these services.
Additionally, provided are valuable resources to help you navigate everyday life. Please let me know if you have any questions.
Alternatives 2.0: Innovative Ways to Diversify Your Portfolio
Learn how a host of innovative alternative strategies could bolster investors' portfolios in an uncertain investing environment.
Tax Tables 2025 Edition
As tax filing deadlines approach, you can prepare for this year's taxes planning with the 2025 tax tables.
Approach for Athletes and Entertainers
In this paper, we lay out a holistic and integrated approach that can be tailored to the goals of each individual.
Global Sports and Entertainment
Learn more about how we can help with Global Sports and Entertainment.
Morgan Stanley Online
When you sign up for MSO, you can conveniently and securely manage your account online or on your mobile device.
Total Wealth View
With this service, you can view all your assets and liabilities together – whether held at Morgan Stanley or elsewhere – in one place for a comprehensive overview of your assets.
Financial Planning
A variety of planning-related tools—including Goals Planning System (GPS) and LifeView—which enable us to provide a single, comprehensive snapshot of your finances and adapt a wealth plan to your ever-changing life demands and modify goals as needed.
Thoughts on the Market
Stay updated on the ever-changing financial world with our podcast, where we share insights and strategies to navigate the markets twists and turns.
Goals Planning System
GPS is our financial planning software. It helps define what you want out of life, so we can create a financial framework to bring these goals to fruition.
E-Delivery
E-Delivery allows you to securely save, print, send and receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App.
Global Sports & Entertainment: Personalized Client Experience
HOW WE MANAGE YOUR MONEY
There comes a point when managing one's assets turns into a full time job. As your life evolves and grows more complex, your financial strategy-and the options for implementing that strategy- tends to grow in complexity as well, leaving you with less time to focus on what is important to you. In such circumstances, it makes sense to work with an experienced professional who understands your financial needs and can dedicate the time and resources necessary to help you meet them.
That's where we come in! We will work with you to help translate your goals into a specific investment objective and personalized investment strategy. Then, utilizing our Portfolio Manager's knowledge, team's experience, and Morgan Stanley's resources, we will structure your portfolio for you. We'll continuously monitor your investments and evaluate the strategy, striving to bring you closer to your definition of investment success.
Our four-step investment process helps develop a long-term perspective about building and managing wealth.
That's where we come in! We will work with you to help translate your goals into a specific investment objective and personalized investment strategy. Then, utilizing our Portfolio Manager's knowledge, team's experience, and Morgan Stanley's resources, we will structure your portfolio for you. We'll continuously monitor your investments and evaluate the strategy, striving to bring you closer to your definition of investment success.
Our four-step investment process helps develop a long-term perspective about building and managing wealth.
Portfolio Management Process Highlights
1. Client Focus: Each account can be individually customized to help meet your requirements for growth, income or preservation of capital within your risk constraints.
2. Active Management and Daily Oversight: Continual asset allocation and investment review.
3. Quick & Timely Changes: Having discretionary authority gives us the flexibility to make timely decisions based on market events.
4. Emotionless Decision Making: Discretionary decisions are made based on facts and investment strategy.
5. Comprehensive Communications: Throughout your relationship, you’ll have direct access to the investment professional managing your portfolio.
6. Asset-Based Pricing: Pricing for the program is based on your account’s asset level, not on the number of transactions performed in a given time period.
2. Active Management and Daily Oversight: Continual asset allocation and investment review.
3. Quick & Timely Changes: Having discretionary authority gives us the flexibility to make timely decisions based on market events.
4. Emotionless Decision Making: Discretionary decisions are made based on facts and investment strategy.
5. Comprehensive Communications: Throughout your relationship, you’ll have direct access to the investment professional managing your portfolio.
6. Asset-Based Pricing: Pricing for the program is based on your account’s asset level, not on the number of transactions performed in a given time period.
Client Service Team
Dana Sypniewski - Assistant Vice President, Business Development Associate
Phone:
(212) 401-0547(212) 401-0547
Email:Dana.Sypniewski@morganstanley.com
Dana is responsible for client on-boarding and account maintenance. Dana is often the first line of contact for clients on a wide array of services. She assists with updates on asset allocations, requests for fund disbursements and cash management services.
Through ongoing outreach and communication, Dana leads a number of important aspects of the team’s business development, strategy implementation and client servicing activities, helping gain a deeper understanding of each client’s unique set of priorities.
Dana holds FINRA Series 7 and 66 securities licenses.
Prior to joining Morgan Stanley in 2015, Dana worked at Credit Suisse in the Private Bank for three years.
Dana holds in a B.A. in communications from Monmouth University where she was a member of the Dance Team.
Through ongoing outreach and communication, Dana leads a number of important aspects of the team’s business development, strategy implementation and client servicing activities, helping gain a deeper understanding of each client’s unique set of priorities.
Dana holds FINRA Series 7 and 66 securities licenses.
Prior to joining Morgan Stanley in 2015, Dana worked at Credit Suisse in the Private Bank for three years.
Dana holds in a B.A. in communications from Monmouth University where she was a member of the Dance Team.
Alisha Mazzocchi - Registered Client Service Associate
Phone:
(917) 886-3513(917) 886-3513
Email:alisha.mazzocchi@morganstanleypwm.com
Alisha provides operational support by assisting with the onboarding process, account maintenance, taking client orders & placing trades, as well as fund distributions including international and domestic wire transfers, journal entries, retirement distributions, gifting requests and ACAT transfers.
She is well versed in asset management and has years of experience working with equities, fixed income investments, options, alternative investments, margin accounts and trade execution. Alisha is dedicated to providing a positive and personalized service experience for clients, while offering a proactive and professional approach to their needs.
Alisha joined the Morgan Stanley Private Wealth Management Division as a Registered Client Associate in August 2019 after beginning her career at Bank of America Merrill Lynch. She graduated Magna Cum Laude from Manhattan College, with a Bachelor’s degree in Finance and she holds both her Series 7 & Series 66 licenses.
Alisha currently resides in New Jersey. In her free time she enjoys traveling, fitness, photography & music.
She is well versed in asset management and has years of experience working with equities, fixed income investments, options, alternative investments, margin accounts and trade execution. Alisha is dedicated to providing a positive and personalized service experience for clients, while offering a proactive and professional approach to their needs.
Alisha joined the Morgan Stanley Private Wealth Management Division as a Registered Client Associate in August 2019 after beginning her career at Bank of America Merrill Lynch. She graduated Magna Cum Laude from Manhattan College, with a Bachelor’s degree in Finance and she holds both her Series 7 & Series 66 licenses.
Alisha currently resides in New Jersey. In her free time she enjoys traveling, fitness, photography & music.
Location
55 East 52nd Street 10th
Fl
New York, NY 10055
US
Direct:
(212) 401-0545(212) 401-0545
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
About Andrew Burkhardt
Andrew Burkhardt is an Associate Private Banker serving Morgan Stanley Wealth Management offices in New Jersey.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Andrew began his career in financial services in 2002 and joined Morgan Stanley in 2024 as an Associate Private Banker. Prior to joining the firm, he was a Senior Relationship Manager at PNC Private Bank.
Andrew is a graduate of Northeastern University where he received a Bachelor of Science in Finance. He lives in Glen Rock, New Jersey with his family. Outside of the office, Andrew enjoys spending time with his family, exercising, and playing golf.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Andrew began his career in financial services in 2002 and joined Morgan Stanley in 2024 as an Associate Private Banker. Prior to joining the firm, he was a Senior Relationship Manager at PNC Private Bank.
Andrew is a graduate of Northeastern University where he received a Bachelor of Science in Finance. He lives in Glen Rock, New Jersey with his family. Outside of the office, Andrew enjoys spending time with his family, exercising, and playing golf.
NMLS#: 432087
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Wealth Management
Global Investment Office
Portfolio Insights
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
Rational Investing in an Age of Uncertainty
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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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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
A Simple Six-Step Retirement Checkup
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Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
- Wealth Transfer & Philanthropy
- Private Banking Solutions
- Family Governance & Wealth Education
- Lifestyle Advisory
Ready to start a conversation? Contact J. Scott Quinto today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan 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.
4Morgan 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
7Alternative 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.
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
9Morgan 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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan 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.
4Morgan 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan's investment options and the historical investment performance of these options, the Plan's flexibility and features, the reputation and expertise of the Plan's investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state's own Qualified Tuition Program. Investors should determine their home state's tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
7Alternative 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.
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
9Morgan 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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
CRC 4665150 (8/2025)
