Senior Vice President, Financial Advisor, Portfolio Manager, Financial Planning Specialist
Phone:
(727) 507-5715(727) 507-5715
Seasons Legacy Group at Morgan Stanley
Direct:
(727) 507-5700(727) 507-5700
Our Mission Statement
To help you and your family navigate the seasons of life by planning and investing for the future.
Our Story and Services
Like Seasons in a year, what we know to be true is that the only constant in life is change. Our team works with affluent clients and their family who desire clarity, focus & confidence in their ability to achieve the goals & milestones in life that are most important to them. They want to know they are on track to meet their goals, what-ever those goals may be; whether it be growing and preserving their wealth, planning for retirement, selling their business, funding education for their children or grandchildren or simply living life on their own terms and leaving a lasting legacy to their loved ones or to charities.
Since every client’s needs & goals are unique, we believe that having a personalized financial plan is of utmost importance and acts as the cornerstone of every client relationship. Our commitment is to understand what matters most to you and assist you in quantifying your lifetime needs, goals and legacy aspirations. From there, we construct a tailored financial plan & wealth management investment strategy designed to meet those goals and to invest tax-efficiently. As you continue your life journey, we provide continuing guidance to help keep you on track and make adjustments according to your changing needs, life events or market conditions.
Our mission is simply your success! We want to be your & your family’s dedicated financial advisors, helping you to financially navigate every season of life by providing simplicity in an overly complex world and to enhance your ability to achieve success.
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. 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.
Morgan 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 https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf
Since every client’s needs & goals are unique, we believe that having a personalized financial plan is of utmost importance and acts as the cornerstone of every client relationship. Our commitment is to understand what matters most to you and assist you in quantifying your lifetime needs, goals and legacy aspirations. From there, we construct a tailored financial plan & wealth management investment strategy designed to meet those goals and to invest tax-efficiently. As you continue your life journey, we provide continuing guidance to help keep you on track and make adjustments according to your changing needs, life events or market conditions.
Our mission is simply your success! We want to be your & your family’s dedicated financial advisors, helping you to financially navigate every season of life by providing simplicity in an overly complex world and to enhance your ability to achieve success.
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. 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.
Morgan 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 https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf
Services Include
- Wealth ManagementFootnote1
- Professional Portfolio ManagementFootnote2
- Retirement PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Life InsuranceFootnote5
- Long-term Care InsuranceFootnote6
- Business Succession PlanningFootnote7
- Cash Management and Lending ProductsFootnote8
- Philanthropic ManagementFootnote9
- Planning for Education FundingFootnote10
- Trust ServicesFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Judith F Hall, CLTC®, RICP®
Senior Vice President
Financial Advisor
Portfolio Manager
Phone: 1-727-507-5715
Email: judith.hall@morganstanley.com
Judy's holistic approach to financial planning has provided her with the opportunity to be deeply involved in her client's lives. Clients seek her trusted advice for a complete financial plan that manages both sides of their balance sheets. Judy works with over 300 families residing in 34 states.
Judy began building her clientele from a kiosk inside of Countryside Mall over 25 years ago where she recalls an early client requesting to buy shares of Johnson & Johnson stock. She began her career with Dean Witter Reynolds and has withstood the test of time as the firm transitioned to Morgan Stanley.
Today Judy is fond of her diverse clientele who currently span four generations. The generations are made up of salaried professionals, "mom and pop", young professionals, musicians, artists and retirees.
Judy holds her Bachelor of Arts in French with a minor in English and German from The University of Bridgeport, CT. She has been married to her husband, Paul, for 45 years and they have 2 grown children. Judy is passionate about the visual and performing arts. She also enjoys practicing the equestrian art form of dressage with her horse, Cinnamon.
David V. Borota
Senior Vice President
Financial Advisor
Phone: 1-727-507-5743
Email: david.borota@morganstanley.com
David is a graduate of The Citadel, The Military College of South Carolina and has spent 23 years with Morgan Stanley.
David has enjoyed a diverse career path starting in the real estate industry where he was in the top 5% of all real estate representatives before transitioning to Morgan Stanley in 2002.
A Senior Partner on the Seasons Legacy Group, David focuses on working with multi-generational families to simplify and enhance their financial lives. He delivers a goals-based approach by analyzing the client's lifetime financial goals.
He collaborates with his clients by creating a customized retirement plan to prioritize and achieve these goals: frequent client communication, providing market perspectives, and providing leading edge investment solutions.
David lives in Seminole, Florida. He loves to spend time with his family, play golf and travel.
Eric Carroll, CFP®, CLTC®
Financial Advisor
Phone: 1-727-803-8843
Email: eric.carroll@morganstanley.com
Eric has extensive and varied experience in the financial services industry. He began his career with Franklin Templeton in 2007 as a licensed mutual fund sales associate, then transitioned over to Raymond James Financial where he joined the Annuity & Insurance division and quickly excelled to director & management roles overseeing the annuity, life insurance and long-term care insurance sales consulting teams. There, his focus centered on partnering with financial advisors and their affluent clients in providing education on the complexities of annuity and insurance products and in the implementation of purposeful income & legacy risk management strategies. In 2022, Eric joined Morgan Stanley as the Vice President, Financial Planning Director covering both the Tampa Bay & Carolina markets partnering with Morgan Stanley financial advisors and their affluent clients in the creation and implementation of comprehensive and personalized financial plans tailored to each client's unique needs, financial situation, and life goals. Eric is passionate about helping others strengthen their family relationships and helping those families with clarity, focus and peace-of-mind in their ability to quantify and achieve their goals.
Eric earned a Bachelor's degree from the University of South Florida with an emphasis in Finance & Economics. In 2016, he earned the Certified Financial Planner® designation, which comes with extensive training in financial planning, estate & legacy planning, insurance & risk management, investments, tax management, employee benefits and retirement planning strategies. He also holds the Certified Long-Term Care designation.
Eric was born in St. Petersburg, FL and currently resides in Seminole, FL with his wife, Jessica, and 2 beautiful daughters, Grace & Leah, with whom he loves spending as much time possible, making long-term memories. In his free time, Eric volunteers in multiple capacities with his daughters' school fine arts program, in his neighborhood community and with his church, spending most other free time traveling with his family in search of new adventures.
Moriah Webb
Registered Client Service Associate
Phone: 1-727-773-4652
Email: moriah.webb@morganstanley.com
Moriah is a registered Client Service Associate with our team, holding her Series 7 and Series 66 FINRA registrations. Originally from Valrico, FL, Moriah graduated from Florida State University with a degree in Marketing. She began her career at Florida State University in Event Administration and Donor Relations and, in 2019 transitioned into the financial services industry. Working directly with our clients, Moriah cheerfully addresses a wide range of administrative requests and offers knowledgeable support on their behalf. She strives to provide an exceptional level of service and to make every client contact a positive experience. Moriah currently lives in Dunedin, FL. In her spare time, she enjoys traveling, live music, and volunteering for the Humane Society of Tampa Bay.
What Sets Us Apart
Extensive Experience
Our team is comprised of one Certified Financial Planner®, one Retirement Income Certified Professional®, two Certified Long-Term Care Professionals, a Portfolio Management Director and an Annuity & Insurance Director. From investment advise, retirement income planning, risk management & insurance solutions, estate planning strategy and everything in between, we provide guidance & solutions needed to help achieve your life goals. The more complex your situation, the greater value we can provide to you.
Longevity Planning
Given the rise in life expectancy, we help tailor allocation and income distribution strategies designed to preserve assets and help ensure your ability to have the income you need throughout your life. This includes review of 401(k) plan assets, annuities with income guarantees, life insurance and long-term care insurance plans.
Asset Growth and Protection Planning
As asset managers, we strive to achieve the best possible investment returns in accordance with your desired level of risk. We offer a wide range of strategies that apply to long-held investment principles to help your assets appreciate so that you are able to provide the best education for your children and grandchildren, live the lifestyle you envision, and perhaps transfer your wealth to the next generation.
Risk Identification and Management
Life's risks can minfest themselves in many ways- from loss of health to loss of life- and have the potential to impair the efficiency of a thoughtfully developed plan. We proactively address these concerns in a number of ways, ranging from liquidity strategies to insurance reviews.
Clear Communication
We take the time to ask questions, listen carefully, and work to gain a clear understanding of your concerns, priorities, risk tolerance, time horizon, liquidity needs, goals and financial situation. Once we know where your wealth stands today and where you'd like it to be tomorrow, we work with you to develop a strategy that connects your personal goals with financial strategies. We understand the importance of frequent, clear communication and reach out to all our clients on a regular basis to keep abreast of changes in your life, track your progress, and adjust strategies as necessary.
Your Single Point of Contact
We commit to being your single point of contact for all things financial. Our disciplined process begins with a thorough financial plan to understand your goals and concerns, which in turn, drives the strategies and services we tailor for you. We will collaborate with your accountant, estate planning attorney, and other professionals within our network to help ensure your plan remains comprehensive, cohesive, and coordinated.
Our Five Step Process
At Seasons Legacy Group, we adhere to a disciplined approach focused on providing our clients with clarity, long-term focus and confidence in their wealth management strategy. Our process centers around getting to know you and helping you find success in achieving your life goals.
1. Introduction
Our process begins with an informal conversation to understand you financial concerns and determine how we can add value. If we agree to move forward, we'll schedule our next meeting and request important financial information.
2. Understanding You
During this meeting, our goal is to come to know you better and to gain a clear understanding of what is most important to you. We will explore your unique concerns, priorities, risk tolerance, time horizon, liquidity needs, goals, and current financial siutation. This approach puts you at the center of our wealth management process and enables us to develop a more effective, customized plan to effectively work toward your goals.
3. Analysis and Plan Development
We then utilize industry leading financial planning and investment management tools to develop a personalized and comprehensive financial plan with specific recommendations to help you preserve and grow your wealth.
4. Presentation & Implementation
Once we have developed your customized financial plan, we will present it to you, taking great care to make sure you understand and approve of the strategy we have set forth and making any necessary changes. Upon your approval, we will open your accounts with Morgan Stanley and begin implementing our investment plan.
5. Continued Service & Care
Committed to premium service, we focus on developing a relationship that provides special value to you and your family. As we begin to implement each strategy, we also want to continue to provide top tier attention to stay on top of those financial objectives and maintain a strong relationship with you.
Digital Tools and Resources
Morgan Stanley's comprehensive suite of digital resources has carefully been designed to help enhance each aspect of your financial portfolio. Take some time to learn about some of the many resources offered to clients.
Morgan Stanley Online
Your investments and everyday finances are available from your personal device with Morgan Stanley Online (MSO) and the Morgan Stanley mobile app. Manage your account from anywhere and be able to do tasks such as send money, pay bills, and transfer funds.
Total Wealth View
Complete your financial portfolio with Total Wealth View. Link your external accounts information and reap the benefits of more holistic wealth planning and convenient connectivity.
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. The Digital Vault on Morgan Stanley Online and the Mobile App allows you to build a central, shared document library where all documents are stored using encryption.
Wealth Transfer Brochure
Learn more about wealth transfer planning by viewing this brochure below.
Estate Planning & Philanthropic Strategies
Delivering an estate to the next generation or favorite charity requires more attention than families often realize. We coordinate with your estate and tax professionals to align your legacy goals with the asset tilting and and beneficiary designation requirements, incorporating best practices to help enhance results.
Total Tax 365
The tax decisions you make today can help you save for years to come. Consider these smart tax strategies for your financial plan.
Thoughts on the Market Podcast
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy, and more.
The GIC Weekly
The Global Investment Committee's Lisa Shallett provides a weekly look at markets, asset class performance, and fixed income.
Location
4114 Woodlands Parkway
Suite 200
Palm Harbor, FL 34685
US
Direct:
(727) 507-5700(727) 507-5700
Meet Seasons Legacy Group
David Borota
Senior Vice President, Financial Advisor
Phone:
(727) 507-5743(727) 507-5743
Eric Carroll, CFP®, CLTC®
Financial Advisor
Phone:
(727) 803-8843(727) 803-8843
Moriah Webb
Client Service Associate
Phone:
(727) 773-4652(727) 773-4652
About Judith F Hall
Judy's holistic approach to financial planning has provided her with the opportunity to be deeply involved in her client's lives. Clients seek her trusted advice for a complete financial plan that manages both sides of their balance sheets. Judy works with over 300 families residing in 34 states.
Judy began building her clientele from a kiosk inside of Countryside Mall over 25 years ago where she recalls an early client requesting to buy shares of Johnson & Johnson stock. She began her career with Dean Witter Reynolds and has withstood the test of time as the firm transitioned to Morgan Stanley.
Today Judy is fond of her diverse clientele who currently span four generations. The generations are made up of salaried professionals, "mom and pop", young professionals, musicians, artists and retirees.
Judy holds her Bachelor of Arts in French with a minor in English and German from The University of Bridgeport, CT. She has been married to her husband, Paul, for 45 years and they have 2 grown children. Judy is passionate about the visual and performing arts. She also enjoys practicing the equestrian art form of dressage with her horse, Cinnamon.
Judy began building her clientele from a kiosk inside of Countryside Mall over 25 years ago where she recalls an early client requesting to buy shares of Johnson & Johnson stock. She began her career with Dean Witter Reynolds and has withstood the test of time as the firm transitioned to Morgan Stanley.
Today Judy is fond of her diverse clientele who currently span four generations. The generations are made up of salaried professionals, "mom and pop", young professionals, musicians, artists and retirees.
Judy holds her Bachelor of Arts in French with a minor in English and German from The University of Bridgeport, CT. She has been married to her husband, Paul, for 45 years and they have 2 grown children. Judy is passionate about the visual and performing arts. She also enjoys practicing the equestrian art form of dressage with her horse, Cinnamon.
Securities Agent: CA, OR, NY, NM, NE, MT, MI, CO, ME, VA, PA, NJ, IL, NC, MO, IA, AZ, WI, OH, CT, AL, WA, SD, RI, NH, MS, MA, IN, WV, TX, SC, OK, NV, HI, MD, GA, FL, AR, VT, TN, LA, KY, DC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1364456
NMLS#: 1364456
About David Borota
David is a graduate of The Citadel, The Military College of South Carolina and has spent 23 years with Morgan Stanley.
David has enjoyed a diverse career path starting in the real estate industry where he was in the top 5% of all real estate representatives before transitioning to Morgan Stanley in 2002.
A Senior Partner on the Seasons Legacy Group, David focuses on working with multi-generational families to simplify and enhance their financial lives. He delivers a goals-based approach by analyzing the client's lifetime financial goals.
He collaborates with his clients by creating a customized retirement plan to prioritize and achieve these goals: frequent client communication, providing market perspectives, and providing leading edge investment solutions.
David lives in Seminole, Florida. He loves to spend time with his family, play golf and travel.
David has enjoyed a diverse career path starting in the real estate industry where he was in the top 5% of all real estate representatives before transitioning to Morgan Stanley in 2002.
A Senior Partner on the Seasons Legacy Group, David focuses on working with multi-generational families to simplify and enhance their financial lives. He delivers a goals-based approach by analyzing the client's lifetime financial goals.
He collaborates with his clients by creating a customized retirement plan to prioritize and achieve these goals: frequent client communication, providing market perspectives, and providing leading edge investment solutions.
David lives in Seminole, Florida. He loves to spend time with his family, play golf and travel.
Securities Agent: KS, AL, AZ, CA, CO, CT, DC, FL, GA, IA, IL, IN, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2033044
NMLS#: 2033044
About Eric Carroll
Eric has extensive and varied experience in the financial services industry. He began his career with Franklin Templeton in 2007 as a licensed mutual fund sales associate, then transitioned over to Raymond James Financial where he joined the Annuity & Insurance division and quickly excelled to director & management roles overseeing the annuity, life insurance and long-term care insurance sales consulting teams. There, his focus centered on partnering with financial advisors and their affluent clients in providing education on the complexities of annuity and insurance products and in the implementation of purposeful income & legacy risk management strategies. In 2022, Eric joined Morgan Stanley as the Vice President, Financial Planning Director covering both the Tampa Bay & Carolina markets partnering with Morgan Stanley financial advisors and their affluent clients in the creation and implementation of comprehensive and personalized financial plans tailored to each client's unique needs, financial situation, and life goals. Eric is passionate about helping others strengthen their family relationships and helping those families with clarity, focus and peace-of-mind in their ability to quantify and achieve their goals.
Eric earned a Bachelor's degree from the University of South Florida with an emphasis in Finance & Economics. In 2016, he earned the Certified Financial Planner® designation, which comes with extensive training in financial planning, estate & legacy planning, insurance & risk management, investments, tax management, employee benefits and retirement planning strategies. He also holds the Certified Long-Term Care designation.
Eric was born in St. Petersburg, FL and currently resides in Seminole, FL with his wife, Jessica, and 2 beautiful daughters, Grace & Leah, with whom he loves spending as much time possible, making long-term memories. In his free time, Eric volunteers in multiple capacities with his daughters' school fine arts program, in his neighborhood community and with his church, spending most other free time traveling with his family in search of new adventures.
Eric earned a Bachelor's degree from the University of South Florida with an emphasis in Finance & Economics. In 2016, he earned the Certified Financial Planner® designation, which comes with extensive training in financial planning, estate & legacy planning, insurance & risk management, investments, tax management, employee benefits and retirement planning strategies. He also holds the Certified Long-Term Care designation.
Eric was born in St. Petersburg, FL and currently resides in Seminole, FL with his wife, Jessica, and 2 beautiful daughters, Grace & Leah, with whom he loves spending as much time possible, making long-term memories. In his free time, Eric volunteers in multiple capacities with his daughters' school fine arts program, in his neighborhood community and with his church, spending most other free time traveling with his family in search of new adventures.
Securities Agent: GA, FL, UT, TN, SC, OR, OH, ME, WI, NV, NE, KS, IN, AZ, SD, NY, CT, TX, RI, OK, NH, MI, NJ, MT, MS, IL, IA, AL, WV, VT, VA, MO, MN, MA, KY, CA, CO, WA, NC, LA, DC, PA, NM, MD; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 2652608
NMLS#: 2652608
About Moriah Webb
Moriah is a registered Client Service Associate with our team, holding her Series 7 and Series 66 FINRA registrations. Originally from Valrico, FL, Moriah graduated from Florida State University with a degree in Marketing. She began her career at Florida State University in Event Administration and Donor Relations and, in 2019 transitioned into the financial services industry. Working directly with our clients, Moriah cheerfully addresses a wide range of administrative requests and offers knowledgeable support on their behalf. She strives to provide an exceptional level of service and to make every client contact a positive experience. Moriah currently lives in Dunedin, FL. In her spare time, she enjoys traveling, live music, and volunteering for the Humane Society of Tampa Bay.
Contact Judith F Hall
Contact David Borota
Contact Eric Carroll
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
Michael Johnson
Private Banker
About Michael Johnson
Michael Johnson is a Private Banker serving Morgan Stanley Wealth Management offices in Florida.
Private Bankers partner with 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.
Michael began his career in financial services in 2010, and joined Morgan Stanley in 2022. Prior to joining the firm, he was a Regional Lending Director at Wells Fargo Advisors. He also served as a Financial Advisor at Merrill Lynch.
Michael is a graduate of the Middle Tennessee State University, where he received a Bachelors Degree in Finance. He lives in St. Petersburg, FL. Outside of the office, Michael enjoys the outdoors with his dog Wayne, playing ice hockey and golf, and watching all of his favorite sports teams let him down. He serves his community through Reach St. Pete, a non-profit that provides resources to those experiencing homelessness, low-income, and at-risks situations.
Private Bankers partner with 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.
Michael began his career in financial services in 2010, and joined Morgan Stanley in 2022. Prior to joining the firm, he was a Regional Lending Director at Wells Fargo Advisors. He also served as a Financial Advisor at Merrill Lynch.
Michael is a graduate of the Middle Tennessee State University, where he received a Bachelors Degree in Finance. He lives in St. Petersburg, FL. Outside of the office, Michael enjoys the outdoors with his dog Wayne, playing ice hockey and golf, and watching all of his favorite sports teams let him down. He serves his community through Reach St. Pete, a non-profit that provides resources to those experiencing homelessness, low-income, and at-risks situations.
NMLS#: 982074
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
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
Ready to start a conversation? Contact Seasons Legacy 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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.
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
9Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
10When 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.
11Morgan 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.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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.
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
9Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
10When 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.
11Morgan 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.
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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)
