Seth Deitchman
First Vice President,
Financial Advisor,
Senior Portfolio Manager,
Alternative Investments Director
Direct:
(770) 643-7619(770) 643-7619
Toll-Free:
(800) 825-7171(800) 825-7171
My Mission Statement
Helping you approach the next chapters in your financial life with greater clarity, confidence, and peace of mind
My Story and Services
Seth Deitchman is a Financial Advisor at Morgan Stanley based in Metro Atlanta. His practice focuses on “Needs Based Investing” in helping clients meet their needs and achieve their most important goals not only today, but also creating a legacy. Client needs are identified through the Financial Planning process which is a critical pillar in the client-advisor relationship. In the intuitional investment space the focus in on asset-liability matching with a focus on mitigating risk while helping achieve a respectable return.
Prior to his 17 years in in the field of Wealth Management, Seth worked for Fortune 500 Hundred companies like Hewlett Packard, BF Goodrich, Marvel Entertainment, and Paramount as well as some smaller companies. His career also consisted of running a small business as a Life, Career, and Business Coach. Seth earned his Bachelors of Science in Supply Chain Management from Arizona State University as well as his MBA in Global Management from the University of Phoenix in Santa Carla, CA.
Seth enjoys being part of groups and organizations that thrive to support and educate others while making stronger communities. He served as President of the Arizona State University Alumni Association’s Georgia Chapter, and served on the Executive Committee Member of VETLANTA to support our amazing veterans in Atlanta. He served on the board of directors for the Homestead Hope Foundation and also volunteers to help those in career transition via “What’s Your Plan B” group. He and his family also participate and volunteer for other worthy organizations like the Pat Tillman Foundation, Jewish Family & Career Services, National Stuttering Association, St. Baldrick’s Foundation, FurKids, Ronald McDonald House and other wonderful organizations. Seth currently serves as the Vice Chairman of the BH Technology Group to support the senior citizen community to help them stay connected and healthy.
Never to be overlooked, Seth is grateful for the freedoms that he and his family have as Americans and is passionate about supporting our Veterans. Seth has organized Pat’s Run Atlanta since 2013, in support of the Pat Tillman Foundation and in honor of American Hero Pat Tillman. Seth enjoys playing tennis and trying to play golf as well as exercising at the gym. Seth is most proud to be married to Denise and being dad to his daughter Jolie and son Benjamin.
Prior to his 17 years in in the field of Wealth Management, Seth worked for Fortune 500 Hundred companies like Hewlett Packard, BF Goodrich, Marvel Entertainment, and Paramount as well as some smaller companies. His career also consisted of running a small business as a Life, Career, and Business Coach. Seth earned his Bachelors of Science in Supply Chain Management from Arizona State University as well as his MBA in Global Management from the University of Phoenix in Santa Carla, CA.
Seth enjoys being part of groups and organizations that thrive to support and educate others while making stronger communities. He served as President of the Arizona State University Alumni Association’s Georgia Chapter, and served on the Executive Committee Member of VETLANTA to support our amazing veterans in Atlanta. He served on the board of directors for the Homestead Hope Foundation and also volunteers to help those in career transition via “What’s Your Plan B” group. He and his family also participate and volunteer for other worthy organizations like the Pat Tillman Foundation, Jewish Family & Career Services, National Stuttering Association, St. Baldrick’s Foundation, FurKids, Ronald McDonald House and other wonderful organizations. Seth currently serves as the Vice Chairman of the BH Technology Group to support the senior citizen community to help them stay connected and healthy.
Never to be overlooked, Seth is grateful for the freedoms that he and his family have as Americans and is passionate about supporting our Veterans. Seth has organized Pat’s Run Atlanta since 2013, in support of the Pat Tillman Foundation and in honor of American Hero Pat Tillman. Seth enjoys playing tennis and trying to play golf as well as exercising at the gym. Seth is most proud to be married to Denise and being dad to his daughter Jolie and son Benjamin.
Services Include
- Financial PlanningFootnote1
- Wealth ManagementFootnote2
- Alternative InvestmentsFootnote3
- Retirement PlanningFootnote4
- AnnuitiesFootnote5
- Long Term Care InsuranceFootnote6
- Business PlanningFootnote7
- Corporate Cash Management
- Corporate Retirement PlansFootnote8
- 401(k) Rollovers
- Structured ProductsFootnote9
- Education Planning
- Estate Planning StrategiesFootnote10
- Executive Financial ServicesFootnote11
- Life InsuranceFootnote12
- Municipal BondsFootnote13
- Qualified Retirement PlansFootnote14
Securities Agent: TN, HI, SC, MD, IL, AL, OR, PA, NV, NJ, DC, CA, AZ, KY, MS, MO, MI, LA, ID, FL, MT, GA, CO, TX, MA, WA, OH, NC, DE, VA, UT, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 1297764
CA Insurance License #: #0I5007
NMLS#: 1297764
CA Insurance License #: #0I5007
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
My Financial Planning Process
Seth Deitchman believes every client should have a detailed financial plan built for his or her particular goals and circumstances. His process begins with a deep understanding of where you are today and where you want to be in the future. Working together, we develop a carefully constructed plan to help get you there, helping you navigate life’s challenges and make more informed decisions each step of the way.
Step 1: Introductory Call
• Understand your top financial concerns
• Explain how we work with you and your family
• Discuss the importance of a financial plan along with the information we’ll need to collect so we may develop a comprehensive plan that is tailored to your needs
• Schedule our next discussion
• Explain how we work with you and your family
• Discuss the importance of a financial plan along with the information we’ll need to collect so we may develop a comprehensive plan that is tailored to your needs
• Schedule our next discussion
Step 2: Discovery Meeting
• Learn about your personal, professional and financial situations
• Identify the values that shape your decisions
• Uncover any challenges unique to you
• Define your priorities
• Review the information you’ve prepared
• Request permission to speak with your accountant and estate attorney
• Identify the values that shape your decisions
• Uncover any challenges unique to you
• Define your priorities
• Review the information you’ve prepared
• Request permission to speak with your accountant and estate attorney
Step 3: Analysis & Assessment
• Evaluate your current and desired future financial situation
• Utilize a variety of financial planning and risk assessment tools to determine the likelihood of reaching your goals
• Identify savings opportunities in various aspects of your financial picture
• Utilize a variety of financial planning and risk assessment tools to determine the likelihood of reaching your goals
• Identify savings opportunities in various aspects of your financial picture
Step 4: Development of Your Financial Plan
• Prepare your personalized financial plan, incorporating diversification and asset allocation strategies
• Present your plan, prioritizing activities and establishing timelines
• Openly discuss costs, emphasizing how we select investments to minimize fees and taxes
• Present your plan, prioritizing activities and establishing timelines
• Openly discuss costs, emphasizing how we select investments to minimize fees and taxes
Step 5: Implementation
• Upon your approval of the plan, begin to implement each investment recommendation
• Finalize other wealth management strategies that may include risk management techniques and estate planning strategies
• Keep you informed at each stage
• Finalize other wealth management strategies that may include risk management techniques and estate planning strategies
• Keep you informed at each stage
Step 6: Ongoing Service
• Review your initial statements to ensure full understanding of your changing financial picture
• Set up tools to provide convenient access to your accounts
• Apply rigorous due diligence process to evaluate investment performance
• Develop a call or meeting schedule to review and trace progress towards your goals
• Discuss changes in your life, adjusting your plan and portfolio accordingly
• Set up tools to provide convenient access to your accounts
• Apply rigorous due diligence process to evaluate investment performance
• Develop a call or meeting schedule to review and trace progress towards your goals
• Discuss changes in your life, adjusting your plan and portfolio accordingly
Arizona State Alumni Association President Atlanta, GA
It has been a privileged bringing Sun Devil Alumni together to build a local network and strengthen the value of our respective degrees. We directly impact our community via acts of community service, raising funds for charitable causes and directly supporting the values of Arizona State University.
Financial Executive Forum
Supporting Executives while transitioning to their next professional executive level opportunity. Helping these executives build their value proposition, impact on the community and strengthening their respective networks has helped to create exceptional opportunities in the Southeast and the country.
Georgia Bio Member Atlanta, GA
Working across the Biotech community in GA has helped strengthen Georgia’s position as a leader in the biotech and healthcare space. Collaboration amongst varied professionals at multiple companies and industries has added value to professionals as well as companies in the biotech industry.
Society for Human Resource Management Member Atlanta, GA
Being a member of SHRM Atlanta has allows me and others to stay ahead of the new trends, laws, and needs of Human Resources professionals, companies as well ultimately enhance the environment for employees of those companies.
Chick-fil-A Peach Bowl Board of Advisors
As a member of the Chick-fil-A Board of Advisors, I volunteer to bring awareness to the charitable endeavors the Peach Bowl and its Board of Advisors provide to the community. I also represent the Peach Bowl at certain top NCAA football programs during key games throughout the regular season.
Series 7
The General Securities Representative Qualification Examination (GS) — assesses the competency of a registered representative to perform their job as a general securities representative. The exam measures the degree to which each candidate possesses the knowledge needed to perform the critical functions of a general securities representative, including sales of corporate securities, municipal securities, investment company securities, variable annuities, direct participation programs, options and government securities.
Series 66
The Series 66 is meant to qualify individuals as investment advisor representatives or securities agents. The Series 66, also known as the Uniform Combined State Law Examination, covers topics relevant to providing investment advice and effecting securities transactions for clients.
Digital Tools
Here at Morgan Stanley, we offer a comprehensive suite of digital tools that are designed to help enhance various aspects of your financial life. Here are a few of the tools and technologies that we have to offer to our clients.
Morgan Stanley Online
Seamlessly and securely manage your investments and everyday finances in one place with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn more about MSO
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Visit the Online Security Center
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn more about Total Wealth View
MS Reserved Living and Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn more about Reserved Living and Giving
Digital Vault
Digital Vault lets you easily manage and share your important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings. All files are scanned for viruses and malware and are encrypted while transferred and stored. Access is limited to you and anyone you designate.
Learn more about Digital Vault
Portfolio Risk Platform - Powered by Aladdin
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides a holistic view to better enable risk to be effectively monitored and managed.
Learn more about Aladdin
Spending and Budgeting Tool
One way to manage your savings is by using Morgan Stanley’s Spending and Budgeting tool. This tool helps monitor your cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
Start using the Spending and Budgeting Tool
CashPlus
CashPlus is an incentive program that recognizes and rewards clients for choosing Morgan Stanley for their everyday cash management needs. If certain eligibility requirements are met, clients can benefit from a myriad of advantages brought to them by CashPlus.
Learn more about CashPlusSeth works hard to help simplify complex financial situations and ideas to help his clients better understand what is being done to their plan to assist in potentially reaching their short term and long term goals. Seth will always put his clients’ needs before his own and understands everyone is going to have a different story. Both Seth and Morgan Stanley believe it is important to look at as many resources as possible so we can make educated decisions and stay informed about the latest market trends, outlooks, and breakdowns. Below, you will find detailed analysis of different timely and interesting topics affecting the financial world.
Global Investments Committee on the Markets
This is a weekly publication that summarizes the Global Investment Committee’s market outlook. This content has thought provoking pieces that take a look at the forces shaping the investment landscape. Check out the latest edition of the GIC on the Markets below.
GIC On The Markets
Top Trends
This is a piece by Ruchir Sharma who is the head of Emerging Markets and Chief Global Strategist. Here, he discusses how the top themes may evolve, easy money, emerging markets, and the reshaping of the global market winners and losers. Learn more about the top 10 trends below.
The Top Trends
Exceptional Leaders and Ideas
In this engaging series from Morgan Stanley Research, the firm’s equity analysts sit down with business leaders at world-class global companies to unpack broad foundational changes in sectors, industries, and markets.
Exceptional Leaders and Ideas
Thoughts on the Markets Podcast
Andrew Sheets, Chief Cross-Asset Strategist or a team member will offer perspectives on forces affecting the markets as well as additional insights to investment opportunities and risk across the global asset classes. Check out this link for the latest Thoughts on the Markets Podcast.
Thoughts on the Markets
On the Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
On the Markets Research ReportLocation
2400 Lakeview Pkwy
Suite 300
Alpharetta, GA 30009
US
Direct:
(770) 643-7619(770) 643-7619
Toll-Free:
(800) 825-7171(800) 825-7171
Fax:
(404) 935-9797(404) 935-9797
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 Seth Deitchman today.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
4When 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.
5Annuities 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.
8When 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.
9Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
10Morgan 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.
11Morgan 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.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
14When 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.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
4When 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.
5Annuities 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.
8When 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.
9Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
10Morgan 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.
11Morgan 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.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
14When 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
