Phone:
(541) 465-1447(541) 465-1447
Sequential Group at Morgan Stanley
Direct:
(800) 345-5501(800) 345-5501
Our Mission Statement
Experience, intellectual capital, and dedicated personal service to help you meet your life goals.
Our Story
In an ever evolving and complex world, our belief is that investors should receive a thoughtful and uniform standard of care from those managing their financial affairs. At the Sequential Group, our mission is to provide a sensible and orderly approach to goals-based financial planning and experienced investment management. Ongoing communication, exceptional service and full transparency are core values shared by our team. These qualities are foundational to our wealth management process of understanding and caring for our client’s needs. Together, with the extensive resources of Morgan Stanley, we provide a considerate level of care and financial advice tailored to the circumstances of each relationship.
As our clients’ trusted advisors, our group is privileged to serve families and businesses throughout the United States. Please feel free to contact us through the “Contact Us” button above to schedule a meeting so we may discuss our practice and philosophy in more detail.
As our clients’ trusted advisors, our group is privileged to serve families and businesses throughout the United States. Please feel free to contact us through the “Contact Us” button above to schedule a meeting so we may discuss our practice and philosophy in more detail.
Services Include
- 401(k) Rollovers
- Alternative InvestmentsFootnote1
- AnnuitiesFootnote2
- Cash Management and Lending ProductsFootnote3
- Estate Planning StrategiesFootnote4
- Exchange Traded FundsFootnote5
- Financial PlanningFootnote6
- Life InsuranceFootnote7
- Long Term Care InsuranceFootnote8
- Professional Portfolio ManagementFootnote9
- Retirement PlanningFootnote10
- Trust ServicesFootnote11
- Wealth ManagementFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
As a client of the Sequential Group, our relationship begins with a thorough understanding of you – your needs, your lifestyle, family, and your goals for the future. Leveraging our vast resources, including intellectual capital, experience, and dedicated service, we can work with you to create a personalized wealth strategy. Over time, we will adapt it to changing circumstances, helping you achieve your goals and protect what is meaningful to you. Morgan Stanley’s personalized wealth management process is designed to provide a road map to your financial future.
This process can help you visualize the financial future you want for yourself and your family and outline the steps to achieve it.
This process can help you visualize the financial future you want for yourself and your family and outline the steps to achieve it.
Develop Understanding
Our process begins with an in-depth conversation with you to help clarify your financial goals, investment preferences and risk tolerance.
Conduct Analysis
Next, your Financial Advisor can review your current and future financial situation, identify the likelihood of reaching your goals, and address any potential shortfalls or the impact of unexpected life events.
Identify Risks
At the Sequential Group, we proactively help our clients identify any potential risks that may pose a threat to their financial well-being. Using a dynamic risk assessment overlay, we identify current risks within your investment portfolios and offer suggestions for risk-management strategies that can help decrease future portfolio volatility. Said another way, we help our clients understand the risks that they are currently taking and ensure that they are getting properly compensated for those risks they are willing to take.
Tailor Solutions
Utilizing all of the information ascertained through this thorough discovery process, your Financial Advisor will then create a customized strategy to help you achieve your objectives.
Implement and Deliver
As a client of the Sequential Group along with the clear guidance from your Financial Advisor, you’ll have access to a comprehensive array of products, services and accounts that, collectively, can provide you with the foundation for implementing and carrying out your financial strategy.
Ongoing Commitment
Finally, with the experience of our team and the comprehensive resources of Morgan Stanley, our Wealth Management process will monitor your progress in light of changing market conditions — or changes in your circumstances — and can recommend adjustments to help keep you on track.
Managing Your Money in the 21st Century
We offer a comprehensive suite of tools to manage your wealth more effectively in today’s busy world. We are happy to assist you in signing up for any of these services.
Morgan Stanley Online (MSO)
When you sign up for MSO, you can conveniently and securely manage your account online or on your mobile device.
Click Here to Learn More
Morgan Stanley Mobile App
The Morgan Stanley Mobile App gives you the same capabilities as Morgan Stanley Online – all from the convenience of your own phone. It also offers features to simplify your everyday finances. These include mobile check deposit and Send Money with Zelle, a convenient way to send and receive money.
E-Authorization
With E-Authorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a wire transfer request.
E-Sign
E-Sign is a digital, paperless alternative to the traditional means of obtaining signatures for necessary paperwork. There is no registration process to begin using E-Sign – all you need is a valid email address and phone number.
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.
Digital Vault
The Digital Vault allows you to build a centralized library for all your documents using encryption.
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.
Click Here to Learn More
Goals Planning System (GPS)
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.
Click Here to Learn MoreWhat's Happening With Our Team
Preferred Savings
Take advantage of our Preferred Savings Program for Qualifying Cash offer with flexible options and more ways to save.
Contact Us to Learn More | Click Here for More DetailsOn the Markets
Check out the Global Investment Committee's market outlook for this month. A publication containing thought- provoking content that examines the forces shaping the investment landscape.
This Month's ArticleThe GIC Weekly
The GIC Weekly is composed of seasoned investment professionals who meet regularly to discuss the global economy and markets. The committee determines the investment outlook that guides our advice to clients.
Latest ArticleHelp Simplify Your Life through Financial Consolidation
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Your Guide to SimplifyRational Investing in an Age of Uncertainty
When it comes to investing, even the most savvy of us fall prey to bias and emotional trades. So what triggers should you watch for?
Read MoreLocation
975 Oak Street
Suite 300
Eugene, OR 97401
US
Direct:
(800) 345-5501(800) 345-5501
Fax:
(541) 342-2291(541) 342-2291
Meet Sequential Group
Phone:
(541) 465-1422(541) 465-1422
Phone:
(541) 341-3433(541) 341-3433
Phone:
(541) 341-3428(541) 341-3428
Lisa Tull
Senior Registered Associate
Phone:
(541) 341-3451(541) 341-3451
Holly Foster
Senior Registered Associate
Phone:
(541) 341-3427(541) 341-3427
Brenda Drews
Senior Registered Associate
Phone:
(541) 465-1424(541) 465-1424
Eileen Erickson
Senior Registered Associate
Phone:
(541) 341-3412(541) 341-3412
About Robert Steiner
Rob began his financial services career in 1983 at Morgan Stanley after receiving his Bachelor of Science degree from Colorado State University and Master of Science degree from Oregon State University. Rob also completed an extensive wealth advisory program at the Wharton School of Business at the University of Pennsylvania.
With over 40 years' of experience, Rob brings to his clients a vast knowledge of asset allocation and investment management. Rob's thoughtful, consultative approach to managing assets helps create strategies which can help fit his clients' individual needs, while working alongside of them, their families and their other advisors. His focused approach to assisting high net worth individuals and families helps them understand the complexities and challenges associated with their wealth. Collaboration, open communication and transparency are hallmarks of Rob's commitment to foster a healthy and sustainable financial mindset.
Rob resides in Eugene, Oregon enjoying his extensive garden and daily walks with his dog. He also enjoys a multitude of other outdoor activities the Pacific Northwest has to offer.
With over 40 years' of experience, Rob brings to his clients a vast knowledge of asset allocation and investment management. Rob's thoughtful, consultative approach to managing assets helps create strategies which can help fit his clients' individual needs, while working alongside of them, their families and their other advisors. His focused approach to assisting high net worth individuals and families helps them understand the complexities and challenges associated with their wealth. Collaboration, open communication and transparency are hallmarks of Rob's commitment to foster a healthy and sustainable financial mindset.
Rob resides in Eugene, Oregon enjoying his extensive garden and daily walks with his dog. He also enjoys a multitude of other outdoor activities the Pacific Northwest has to offer.
Securities Agent: MO, TN, TX, WA, MN, ID, AZ, OH, UT, NH, PR, MD, GA, OR, CO, FL, IL, MI, VA, NM, AK, RI, NJ, NC, MT, MA, NV, NY, SD, SC, PA, CA, WY, HI; General Securities Representative; Investment Advisor Representative
NMLS#: 1275533
NMLS#: 1275533
About Shane Gutierrez
Shane Gutierrez started his career in wealth management in 2007 after completing his Bachelor of Arts degrees in Economics and International Studies at the University of Oregon. In 2011, he started his practice at Merrill Lynch serving individuals, families, and businesses nationwide. Shane joined the Sequential Group at Morgan Stanley in September 2022 as a Senior Vice President Financial Advisor and is Series 7 and 66 licensed by the Financial Industry Regulatory Authority (FINRA), as well as Life and Health Insurance licensed in Oregon and Washington.
Shane’s clients benefit from his goals-based advisory process that is designed to be a sensible approach to managing their commitments, goals, and aspirations. He focuses on the preservation, growth, and transference of wealth to their families and/or philanthropic organizations. As an experienced Portfolio Manager, Shane has developed private portfolios for his clients which diversify and manage their overall financial plan, as well as the risks and rewards associated with long term investing. Shane firmly believes that transparency and trust are essential traits in every client relationship and provides ongoing communication and availability for his clients and their families. He also works closely with his clients’ estate planning and tax professionals.
Shane has been happily married to Jani since 2008. Both have roots in Bend, OR, and have resided in the Eugene area since 2006. The couple have three wonderful children ranging from elementary to high school. In his free time, Shane enjoys being with friends, family, coaching sports, playing board games, as well as traveling. Shane has been involved with youth sports in Oregon since 2013 and is passionate in his support of various extra-curricular activities in local schools and organizations.
Shane’s clients benefit from his goals-based advisory process that is designed to be a sensible approach to managing their commitments, goals, and aspirations. He focuses on the preservation, growth, and transference of wealth to their families and/or philanthropic organizations. As an experienced Portfolio Manager, Shane has developed private portfolios for his clients which diversify and manage their overall financial plan, as well as the risks and rewards associated with long term investing. Shane firmly believes that transparency and trust are essential traits in every client relationship and provides ongoing communication and availability for his clients and their families. He also works closely with his clients’ estate planning and tax professionals.
Shane has been happily married to Jani since 2008. Both have roots in Bend, OR, and have resided in the Eugene area since 2006. The couple have three wonderful children ranging from elementary to high school. In his free time, Shane enjoys being with friends, family, coaching sports, playing board games, as well as traveling. Shane has been involved with youth sports in Oregon since 2013 and is passionate in his support of various extra-curricular activities in local schools and organizations.
Securities Agent: TX, WA, UT, SC, RI, OR, MT, VA, NM, ID, HI, FL, NY, OH, MD, GA, CO, MI, PA, WY, CA, MN, MO, SD, NJ, ME, MA, IL, CT, AZ, WI, TN, PR, NH, NC, AK, NV, OK; General Securities Representative; Investment Advisor Representative
About Christopher Linkhorn
Chris is a highly successful wealth manager with over 20 years of experience in the industry. Chris' extensive experience and insight in wealth management enables him to develop personalized investment strategies that align with his clients' unique needs and objectives. He is committed to building long-lasting relationships with his clients and helping them secure their financial future.
Along with working with his clients, Chris manages the Eugene office and a team of 15 Financial Advisors. As the Branch Manager, Chris leads a team of dedicated professionals who share his passion for helping clients achieve their financial goals.
Aside from his professional accomplishments, Chris values his personal life tremendously. He is a devoted husband and father of two, who enjoys spending quality time with his family. Chris also gives back to his community by coaching youth sports and volunteering.
Along with working with his clients, Chris manages the Eugene office and a team of 15 Financial Advisors. As the Branch Manager, Chris leads a team of dedicated professionals who share his passion for helping clients achieve their financial goals.
Aside from his professional accomplishments, Chris values his personal life tremendously. He is a devoted husband and father of two, who enjoys spending quality time with his family. Chris also gives back to his community by coaching youth sports and volunteering.
Securities Agent: NY, AK, AL, AR, AZ, CA, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY, DE; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1288052
CA Insurance License #: 0G73426
NMLS#: 1288052
CA Insurance License #: 0G73426
About Me
Securities Agent: MI, OR, TN, VA, NH, MD, CO, TX, MO, IL, WA, SD, SC, GA, MA, NV, WI, WY, PR, HI, AZ, FL, ID, NC, NM, PA, RI, UT, AK, NY, MT, OH, NJ, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 2435059
NMLS#: 2435059
About Lisa Tull
Lisa Tull, Senior Registered Associate for the Sequential Group, has spent over 20 years of her professional career in client services at Morgan Stanley where it is always been with a passion to find solutions to problems big and small. She graduated from Bushnell University with a degree in Business Management. Lisa holds her Series 7 and 66 Licenses. Regardless of who you are or why you have come to us, you deserve to be greeted with enthusiasm, treated with respect, and listened to with empathy. Above all else, those are the goals Lisa strives for with each and every client.
Lisa currently resides in the Eugene, Oregon area with her three children. In her free time, she enjoys spending time with family and friends, as well as traveling, curling up with a good historical book, and creating culinary masterpieces.
Lisa currently resides in the Eugene, Oregon area with her three children. In her free time, she enjoys spending time with family and friends, as well as traveling, curling up with a good historical book, and creating culinary masterpieces.
About Holly Foster
Holly Foster joined the Sequential Group in March 2022 as a Senior Registered Associate. She graduated with a Bachelor of Arts from the University of Oregon in Fine & Applied Arts. Holly, who holds her Series 6, 7, 63, and 65 takes great care in treating every client with respect and importance with all requests being handled as expediently as possible. Prior to joining Morgan Stanley, she was employed by RBC Capital Markets, where she worked in both client services and operations management.
Holly currently resides in Eugene, Oregon with her rescue dog, Biscuit. In her free time, she enjoys spending time with family and friends, traveling abroad, hiking, yoga, and painting original landscapes in watercolor.
Holly currently resides in Eugene, Oregon with her rescue dog, Biscuit. In her free time, she enjoys spending time with family and friends, traveling abroad, hiking, yoga, and painting original landscapes in watercolor.
About Brenda Drews
Brenda Drews joined the Sequential Group in September 2022 as a Senior Registered Associate. She graduated with honors from the University of Oregon with a degree in Romance Languages, concentrating in French. Brenda, who holds her Series 6, 7, 63, and 65 Licenses, as well as Life and Health Insurance Licenses, has a passion for client relationships and enjoys managing day-to-day operational duties and administrative duties. Prior to joining Morgan Stanley, she was employed by Merrill Lynch, where she worked closely with a wide variety of clients.
Brenda currently resides in the Springfield, Oregon area with her husband, Michael. In her free time, she enjoys spending time with family, friends, caring for rescue horses, as well as hiking, gardening, and figure painting in oil.
Brenda currently resides in the Springfield, Oregon area with her husband, Michael. In her free time, she enjoys spending time with family, friends, caring for rescue horses, as well as hiking, gardening, and figure painting in oil.
About Eileen Erickson
Eileen Erickson, Senior Registered Associate for the Sequential Group, has worked for Morgan Stanley and its predecessor firms since 1989. She is an invaluable resource to both clients and the team alike due to her wealth of knowledge. Eileen, who holds the Series 7, 66, and 31 enthusiastically assists our team with day-to-day operational and administrative duties.
Eileen currently resides in the Springfield, Oregon area with her husband, David. In her free time, she enjoys spending time with family, friends, her blind cat, Phoenix, who still ventures outdoors to climb trees, as well as singing with a local Barbershop choir, participating in a local dance chapter, and volunteering with LOVEFirst, a disaster relief organization.
Eileen currently resides in the Springfield, Oregon area with her husband, David. In her free time, she enjoys spending time with family, friends, her blind cat, Phoenix, who still ventures outdoors to climb trees, as well as singing with a local Barbershop choir, participating in a local dance chapter, and volunteering with LOVEFirst, a disaster relief organization.
Contact Robert Steiner
Contact Shane Gutierrez
Contact Christopher Linkhorn
Contact Todd Bosworth
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
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact Sequential Group today.
1Alternative 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.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Morgan 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
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.
5An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
6Morgan 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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.
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 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.
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.
12Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Morgan 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
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.
5An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
6Morgan 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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.
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 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.
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.
12Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
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Awards Disclosures
CRC 6491812 (04/2024)
