William Triantafel, CIMA®
Executive Director, Wealth Advisor, Family Wealth Director
Phone:
(630) 573-9707(630) 573-9707
Sentry Wealth Management Group at Morgan Stanley
Our Mission Statement
Delivering Clarity & Confidence to Help Secure Your Financial Future
STRONG RELATIONSHIPS BUILT ON EDUCATION, TRUST AND EXPERIENCE
Building wealth consumes most of your career, reflecting a commitment to hard work and professional achievement. Safeguarding that wealth and ensuring it can grow to meet your goals is what consumes our team. We strive to deliver clarity and instill confidence in you as a client in order to help protect your hard-earned assets and secure your financial future.
Since 1985, we have served the needs of successful individuals and families like you who want to secure the wealth they have built and provide for future generations. Our priorities are to develop a trusting relationship and educate you on key financial concepts to build conviction in your wealth plan and a clear understanding of how we can help you reach your goals.
Our team is structured as a high value family office, providing direct access to the specialist capabilities and experience of eight financial advisors. Since our advisors cover a multi-decade range of age and experience, we are positioned to comprehensively serve not only you but also your children and grandchildren as their financial needs and goals come into focus. You can expect timely answers to your questions from our rapid-response client service and support specialists as well as proactive communications from your primary advisor to always keep you informed.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
If you are looking for a financial advisor or advisory team with a passion to protect and grow your wealth, we encourage you to consider Sentry Wealth Management Group. Our priority is to help you feel confident about your financial plan and investment strategies we craft together. We believe an educational approach to wealth management that breaks down complex finance concepts in ways you can understand provides clarity and a sense of security today and into the future.
We offer advanced wealth and financial planning solutions focused on three main priorities for your money: Wealth Enhancement, Wealth Protection and Family Wealth Transfer.
Keeping you in the loop on every decision is the foundation of our advisory relationships. We will communicate with you regularly and work closely with the professionals you already have on board (such as accountants and lawyers) as well as additional experts from our networks. This approach helps ensure all stakeholders are working together in pursuit of your goals and according to your financial plan.
Learn More About Bill Triantafel
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Learn More About Steve Devermann
View VideoA HIGHLY CREDENTIALED TEAM AT YOUR DISPOSAL
Utilizing decades of combined experience, we have guided clients like you through a broad range of market environments.
Our financial advisors and high-level client service professionals all bring industry-leading designations and specific expertise to bear on your behalf. Four of our advisors: Steve Devermann, Jeremy Rumps, Donn Pall and Evan Gallien are Certified Financial Planner™ practitioners, William Triantafel is a Certified Investment Management Analyst® with training in management accounting while Aimee Bowman is a Certified Divorce Financial Analyst®. We also have advisors credentialed to work with clients managing qualified retirement plans as well as equity compensation plans. These specialized certifications are in addition to the professional training and capability-specific designations offered through Morgan Stanley.
Such a focus on knowledge, training and experience means you can have confidence that our team is well equipped to address any financial situation you may bring to us.
Forbes Best-In-State Wealth Management Teams 2024
Forbes America's Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23.
Forbes Best-In-State Wealth Management Teams 2023
Forbes America's Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/22.
Forbes Best-In-State Wealth Advisors 2024
William Triantafel
Source: Forbes (Awarded April 2024) Data compiled by SHOOK Research LLC based on time period from 6/30/22-6/30/23.
Forbes Best-In-State Wealth Advisors 2024
Steve Devermann
Source: Forbes (Awarded April 2024) Data compiled by SHOOK Research LLC based on time period from 6/30/22-6/30/23.
Forbes Best-In- State Wealth Advisors 2019-2023
William Triantafel
Source: Forbes.com (Awarded 2019-2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes Next-Gen Best-In-State Wealth Advisor: 2019
Steve Devermann
Forbes Top Next-Gen Wealth Advisors Source: Forbes.com (Awarded June 2019) Data compiled by SHOOK Research LLC based on time period from 3/31/18 - 3/31/19.
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Location
2211 York Rd
Ste 100
Oak Brook, IL 60523
US
Direct:
(630) 573-9768(630) 573-9768
Meet Sentry Wealth Management Group
Jeremy Rumps, CFP®
Senior Vice President, Family Wealth Advisor, Financial Advisor, Lending Specialist
Phone:
(630) 573-9750(630) 573-9750
Steve Devermann, CFP®
Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(630) 573-9662(630) 573-9662
Phone:
(630) 203-6092(630) 203-6092
Glenn Kolososki, CRPC®
Senior Vice President, Financial Advisor, Portfolio Management Director
Phone:
(630) 573-9770(630) 573-9770
Aimee Lynn Bowman, CDFA®
Financial Advisor, Certified Divorce Financial Analyst, Workplace Advisor - Equity Compensation
Phone:
(630) 573-9775(630) 573-9775
Vice President, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Workplace Advisor - Equity Compensation
Alfreda Bell
Vice President, Wealth Management Associate
Phone:
(630) 573-9768(630) 573-9768
Donna O'Brien
Portfolio Associate
Phone:
(630) 573-9737(630) 573-9737
Kimberly Smith
Portfolio Associate
Phone:
(630) 573-9778(630) 573-9778
Bianca Espinosa
Registered Client Service Associate
Phone:
(630) 573-9758(630) 573-9758
Lucyna Gavrylyuk
Wealth Management Associate
Phone:
(630) 203-6097(630) 203-6097
About William Triantafel
Bill provides clients and their families with comprehensive customized financial advice.
He is a Wealth Advisor and an Executive Director at Morgan Stanley, which he joined in 1986. He also earned the firm’s Family Wealth Director designation in 2015. A small elite group of advisors have earned this prestigious designation, which he attained after meeting stringent quantitative and qualitative requirements set by the firm and successfully completing a specialized professional development program. He also holds the Investments and Wealth Institute Certified Investment Management Analyst SM (CIMA®) designation, which he attained in 2006 through the Wharton School of the University of Pennsylvania. He has been named a Forbes Best-In-State Wealth Advisor since 2020.
Bill graduated from the University of Illinois at Urbana-Champaign with a B.S. degree in accounting. An avid golfer, he is a past president of Edgewood Valley Country Club. Bill and his family are members of Holy Apostles Greek Orthodox Church and St. George Greek Orthodox Church.
2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded Apr 2024) Data compiled by SHOOK Research LLC based on time period from 6/30/22 - 6/30/23.
He is a Wealth Advisor and an Executive Director at Morgan Stanley, which he joined in 1986. He also earned the firm’s Family Wealth Director designation in 2015. A small elite group of advisors have earned this prestigious designation, which he attained after meeting stringent quantitative and qualitative requirements set by the firm and successfully completing a specialized professional development program. He also holds the Investments and Wealth Institute Certified Investment Management Analyst SM (CIMA®) designation, which he attained in 2006 through the Wharton School of the University of Pennsylvania. He has been named a Forbes Best-In-State Wealth Advisor since 2020.
Bill graduated from the University of Illinois at Urbana-Champaign with a B.S. degree in accounting. An avid golfer, he is a past president of Edgewood Valley Country Club. Bill and his family are members of Holy Apostles Greek Orthodox Church and St. George Greek Orthodox Church.
2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded Apr 2024) Data compiled by SHOOK Research LLC based on time period from 6/30/22 - 6/30/23.
Securities Agent: AZ, WY, WV, FL, AL, SC, RI, OH, HI, CT, CO, LA, CA, NV, NC, MS, MI, ME, IA, UT, TX, OK, MD, KY, DE, PA, MA, KS, IN, ID, AR, NM, NJ, NE, MO, GA, VA, MN, WI, WA, TN, OR, NY, IL, DC; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1279504
NMLS#: 1279504
About Jeremy Rumps
Jeremy focuses on portfolio management and financial planning. He is a Senior Vice President, Wealth Advisor and CERTIFIED FINANCIAL PLANNERTM with Morgan Stanley, which he joined in 1999. Jeremy’s combination of experience and youth will enable him to serve as the primary financial advisor to his clients and their families for years to come.
Jeremy developed his interest in financial markets by following his father’s almost-30-year career as a financial advisor and branch manager for Morgan Stanley Dean Witter, a predecessor firm of Morgan Stanley. In addition to serving clients, he has spoken on the financial services industry and investing and has presented at the Social Security offices in Chicago and Springfield, Illinois. Jeremy has taught multiple investment classes at the College of DuPage as part of its continuing education program. He has also spoken for city programs in Illinois, including in Evanston, Des Plaines and Elgin.
Jeremy graduated from the University of Illinois at Urbana-Champaign with a B.S. degree in finance. In his spare time, Jeremy is an active participant in sports leagues and raising his three children with his wife, Jill.
Jeremy developed his interest in financial markets by following his father’s almost-30-year career as a financial advisor and branch manager for Morgan Stanley Dean Witter, a predecessor firm of Morgan Stanley. In addition to serving clients, he has spoken on the financial services industry and investing and has presented at the Social Security offices in Chicago and Springfield, Illinois. Jeremy has taught multiple investment classes at the College of DuPage as part of its continuing education program. He has also spoken for city programs in Illinois, including in Evanston, Des Plaines and Elgin.
Jeremy graduated from the University of Illinois at Urbana-Champaign with a B.S. degree in finance. In his spare time, Jeremy is an active participant in sports leagues and raising his three children with his wife, Jill.
Securities Agent: MN, NM, VA, SC, DE, DC, CO, AR, NY, NV, NJ, NC, ID, HI, OK, MO, MI, LA, IA, MS, FL, CT, WA, TX, OR, NE, MA, AL, TN, IN, GA, UT, PA, OH, MD, CA, KY, KS, IL, AZ, WY, WV, WI, RI; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1272847
CA Insurance License #: 0F00467
NMLS#: 1272847
CA Insurance License #: 0F00467
About Steve Devermann
Steve Devermann is committed to empowering individuals and families across generations through an advisory approach grounded in education and focused on inspiring confidence in their financial plan. He is a Managing Director with Morgan Stanley, which he joined in 2003 and attained the CERTIFIED FINANCIAL PLANNER™ designation in 2009.
Steve relishes the personal side of being a financial advisor - discovering what is most important to each family he serves and translating the complicated into something more understandable to support sound decisions around their wealth. Working together during times of high stress, job dislocation and investment volatility has strengthened his relationships with multiple generations of families.
Steve graduated from The University of Iowa’s Tippie College of Business with a B.S. degree in finance. Away from the office, he enjoys spending time with family and finding time to volunteer at his children’s schools.
Steve relishes the personal side of being a financial advisor - discovering what is most important to each family he serves and translating the complicated into something more understandable to support sound decisions around their wealth. Working together during times of high stress, job dislocation and investment volatility has strengthened his relationships with multiple generations of families.
Steve graduated from The University of Iowa’s Tippie College of Business with a B.S. degree in finance. Away from the office, he enjoys spending time with family and finding time to volunteer at his children’s schools.
Securities Agent: FL, WY, DC, GA, MS, NE, NH, NC, DE, WA, TN, OK, VT, TX, MO, ME, KY, AK, AZ, KS, NY, OR, NV, NM, MT, MD, AL, VA, MA, RI, PA, NJ, CT, CA, UT, OH, MN, IL, CO, AR, WI, SC, MI, WV, LA, IN, ID, IA, HI; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1273118
NMLS#: 1273118
About Joseph Siwek
Early in his career, Joe worked at the Chicago Board Options Exchange as a market maker. He used this experience to establish a successful practice and since then, he has continued to develop strategies and advice for clients that help make informed decisions as the markets fluctuate. Joe is committed to building strong client relationships based on trust and personalized service. He believes that intelligent and personalized wealth management can help clients achieve what’s important to them.
Joe has more than 30 years of experience in the financial industry. He joined Morgan Stanley in 2019 after 11 years as a financial advisor at Merrill Lynch. His clients include affluent individual investors, families, and business owners who want to build wealth, create financial security, and realize their goals. These goals include retiring early, launching a business, buying a vacation home, starting second careers, funding their children's education, and others. Joe also has a wealth of experience in designing and refining company-sponsored retirement plans.
Prior to becoming a financial advisor, He spent more than a decade working in the financial markets, primarily as a market maker at the Chicago Board of Options Exchange. This unique experience enables Joe to help his clients make investment decisions as the markets fluctuate, especially in times of extreme difficulty. Joe is a strong believer in solid and complete planning; therefore, he works with his clients to create flexible strategies incorporating their needs, risk tolerance, life stage and goals.
Joe is a lifelong Chicagoan with deep ties to the community, earning a BA in Economics at the University of Illinois at Chicago and attending St. Rita High School on the Southside of Chicago.
Joe enjoys spending time with his family and golfing. He has been married to his wife Marisol since 2016 and they a son, Lucas, a daughter, Liana and a dog named Dozer.
Joe has more than 30 years of experience in the financial industry. He joined Morgan Stanley in 2019 after 11 years as a financial advisor at Merrill Lynch. His clients include affluent individual investors, families, and business owners who want to build wealth, create financial security, and realize their goals. These goals include retiring early, launching a business, buying a vacation home, starting second careers, funding their children's education, and others. Joe also has a wealth of experience in designing and refining company-sponsored retirement plans.
Prior to becoming a financial advisor, He spent more than a decade working in the financial markets, primarily as a market maker at the Chicago Board of Options Exchange. This unique experience enables Joe to help his clients make investment decisions as the markets fluctuate, especially in times of extreme difficulty. Joe is a strong believer in solid and complete planning; therefore, he works with his clients to create flexible strategies incorporating their needs, risk tolerance, life stage and goals.
Joe is a lifelong Chicagoan with deep ties to the community, earning a BA in Economics at the University of Illinois at Chicago and attending St. Rita High School on the Southside of Chicago.
Joe enjoys spending time with his family and golfing. He has been married to his wife Marisol since 2016 and they a son, Lucas, a daughter, Liana and a dog named Dozer.
Securities Agent: CT, SD, SC, NE, MO, HI, GA, DE, TN, NM, NC, VT, RI, NH, MI, ME, MA, LA, KY, IA, WY, OR, KS, PA, MS, IN, ID, WI, NV, IL, NJ, ND, AR, UT, TX, OH, MD, WV, WA, MN, FL, DC, CO, CA, AZ, AL, AK, VA, OK, NY, MT; General Securities Representative; Investment Advisor Representative
NMLS#: 559552
NMLS#: 559552
About Glenn Kolososki
Glenn applies over 25 years of wealth management experience and extensive knowledge in working with high net worth individuals, institutional equities and fixed income products to his client relationships. He was the former branch manager of the Morgan Stanley Lisle office and started his career as a financial advisor with Merrill Lynch in Chicago.
Additionally, Glenn holds the Chartered Retirement Planning Counselor (CRPC®) designation awarded by the College for Financial Planning to financial advisors who have completed a rigorous course of study focused on retirement planning. The CRPC® designation signifies specialized knowledge of the strategies and tools needed to help clients achieve their retirement goals.
Additionally, Glenn holds the Chartered Retirement Planning Counselor (CRPC®) designation awarded by the College for Financial Planning to financial advisors who have completed a rigorous course of study focused on retirement planning. The CRPC® designation signifies specialized knowledge of the strategies and tools needed to help clients achieve their retirement goals.
Securities Agent: OK, NM, NC, IN, DE, CA, AK, AR, IA, ID, IL, MI, MO, NH, VT, OR, NV, MT, KY, KS, MN, NE, UT, WV, RI, AZ, MA, TN, MS, HI, FL, CT, WY, GA, ME, NY, OH, PA, SC, VA, WA, NJ, LA, DC, CO, AL, WI, TX, MD; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1498220
NMLS#: 1498220
About Aimee Lynn Bowman
Aimee offers financial plans, provides comprehensive financial advice and helps clients stay focused on their goals. She earned the Certified Divorce Financial Analyst designation in 2017 and devotes her time to assisting couples considering divorces understand the financial ramifications. Additionally, she is responsible for developing and building new client relationships, as well as deepening our understanding of existing ones. In her experience as a personal trainer, she understood where people were, how they got there, and where they wanted to be then designed a strategy that helped them reach their goals. Aimee applies those same skills in planning, discipline and focus to help clients make their personalized strategy a reality.
After encountering her own divorce, Aimee went back to college, graduated magna cum laude, and has shown her daughters that even when your plan doesn’t unfold as intended, you can still accomplish your dreams. Aimee graduated with a BA in Communication from Florida Gulf Coast University.
Aimee and her two daughters relocated from Florida and she began her career at Morgan Stanley in 2012. Aimee is an avid runner. Personally, she has over 30 half-marathons and 7 full-marathons under her running shoes. Additionally, she enjoys spending time with family and volunteers at a support group for divorcees and the LGBT community.
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
Licenses: Series 7, series 66
NMLS# 1387992
After encountering her own divorce, Aimee went back to college, graduated magna cum laude, and has shown her daughters that even when your plan doesn’t unfold as intended, you can still accomplish your dreams. Aimee graduated with a BA in Communication from Florida Gulf Coast University.
Aimee and her two daughters relocated from Florida and she began her career at Morgan Stanley in 2012. Aimee is an avid runner. Personally, she has over 30 half-marathons and 7 full-marathons under her running shoes. Additionally, she enjoys spending time with family and volunteers at a support group for divorcees and the LGBT community.
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
Licenses: Series 7, series 66
NMLS# 1387992
Securities Agent: PA, AR, VT, RI, NJ, TN, OK, WY, TX, MO, IN, DE, AL, OR, OH, IA, NV, MD, MA, DC, WA, VA, MN, KY, ID, UT, MS, HI, FL, WV, WI, NY, MI, KS, GA, CT, AZ, NM, NE, NC, ME, CA, SC, LA, IL, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 1387992
AR Insurance License #: 0017526289
NMLS#: 1387992
AR Insurance License #: 0017526289
About Evan Gallien
Evan Gallien is a CERTIFIED FINANCIAL PLANNERTM professional focused on fiduciary financial advice. He began his career with an independent Wealth Management Firm in 2006 and joined Morgan Stanley as a Financial Advisor in 2018.
Evan helps families build goals-based financial plans, implement best-practices to grow wealth and minimize taxes, and manage risk over the long-term.
Evan graduated from DePaul University with a B.S. degree in finance. He is a lifelong resident of the Chicago area, devoted Cubs fan, and lives in the Northwest suburbs with his wife and three young children.
Evan helps families build goals-based financial plans, implement best-practices to grow wealth and minimize taxes, and manage risk over the long-term.
Evan graduated from DePaul University with a B.S. degree in finance. He is a lifelong resident of the Chicago area, devoted Cubs fan, and lives in the Northwest suburbs with his wife and three young children.
Securities Agent: IN, FL, DE, CT, OR, NV, MA, IA, CA, WV, PA, WA, CO, WY, VA, OH, NE, LA, IL, HI, DC, AZ, NM, MO, KY, KS, UT, TX, TN, MN, MI, ID, GA, WI, NJ, NC, MD, AR, RI, OK, NY, SC, MS; General Securities Representative; Investment Advisor Representative
NMLS#: 1824427
NMLS#: 1824427
About Lucyna Gavrylyuk
Lucyna Gavrylyuk is a Wealth Management Associate. She has joined Morgan Stanley in March 2022. Lucyna has a degree in Finance and has spent most of her career working for banks in various roles, moving to the securities side in 2015.
When not working, Lucyna enjoys spending time with her family (she has two sons ages 15 and 13) as well as reading, cycling, cooking, and baking. She also volunteers in her church and a nonprofit organization that helps families in need.
When not working, Lucyna enjoys spending time with her family (she has two sons ages 15 and 13) as well as reading, cycling, cooking, and baking. She also volunteers in her church and a nonprofit organization that helps families in need.
CA Insurance License #: 4216426
Contact William Triantafel
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Contact Glenn Kolososki
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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.
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Ready to start a conversation? Contact Sentry Wealth Management 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.
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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 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.
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.
5Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
7Morgan 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.
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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)
