Adriano Schirmer De Campos
Financial Advisor, Executive Director, International Client Advisor, Portfolio Manager
Phone:
(305) 347-6234(305) 347-6234
Seven Brz Group at Morgan Stanley
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Story and Services
Awards & Recognitions
2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Jan 2025) 2025 Forbes Best-In-State Wealth Management Teams ranking awarded in 2025. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher) for the period from 3/31/23–3/31/24.
The Seven BRZ Group at Morgan Stanley is passionate about helping you manage the intricate balance of your family and finances.
As successful Global Asset Managers, our group focuses on building, growing, managing and protecting our client's assets. We advise individuals, families, and corporations in U.S, Latin America, and Europe. Given our advisors background, we have substantial experience in the Brazilian market and regulations.
Maintaining a great team is our key to success. Everyone who works with us is committed to helping you succeed. With over 40+ years of combined investment and international market experience(1), we are comprised of 4 financial professionals, including 3 International Client Advisor, 1 Portfolio Manager, and 3 Client Services Associate.
Along with our financial experience, we pride ourselves on being strong communicators. That means we take time to listen carefully to you. We also work hard to make sure you understand—and are comfortable with—any financial options we suggest. We are a bilingual team with fluency in English, Spanish, and Portuguese.
We speak your language, understand your culture and are ready to serve as the close family advisor you can rely upon to help make important financial decisions.
WEALTH MANAGEMENT SERVICES
- Proprietary risk adjusted portfolios for domestic and international clients
- Tailored Structured Product Solutions
- Tailored Alternative Investment Solutions
- Futures and Derivates
- Insurance Solutions
- Banking and Lending Solutions
- Brazilian Bond Markets
OUR CLIENT'S PROFILE
- Business Owners (including family businesses)
- Corporate executives/Directors
- High net worth investors
- Single family offices and multifamily offices
- Mid-career professionals and their families
- Nonprofit organizations
- Seniors near or in retirement
CLIENT SERVICING
- Domestic and International Individuals / Entities
- High Net Worth Individuals
NATIONAL & INTERNATIONAL COVERAGE
- Latin America
- United States
- Europe (1)
Individual years of experience listed in our biographies
Services Include
- Wealth PlanningFootnote1
- Cash Management and Lending ProductsFootnote2
- Corporate BondsFootnote3
- Alternative InvestmentsFootnote4
- Asset Management
- FuturesFootnote5
- Estate Planning StrategiesFootnote6
- Exchange Traded FundsFootnote7
- Financial PlanningFootnote8
- Foreign ExchangeFootnote9
- Life InsuranceFootnote10
- Long-term Care InsuranceFootnote11
- Stock Plan ServicesFootnote12
- Structured ProductsFootnote13
- Trust AccountsFootnote14
- Fixed IncomeFootnote15
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working with You
Step 1: Discovery Process
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Step 2: Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Step 3: Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Step 4: Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Step 5: Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Step 6: Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
International Wealth Management
International Wealth Management is a specialized area within Morgan Stanley Wealth Management that is dedicated to serving individuals, families, family offices, entrepreneurs, corporate executives and corporate stock plan managers who live outside the United States. We also serve US citizens living and working abroad as well as those who are relocating to the United States or otherwise changing domicile.
We are based in offices throughout the United States, but often specialize in a specific country or region, and typically speak the client’s language, understand the culture and have a deep knowledge of the markets we serve. Combining our investment knowledge with the resources and intellectual capital of Morgan Stanley, we deliver targeted solutions that help our clients pursue their goals and address their unique financial needs.
We are based in offices throughout the United States, but often specialize in a specific country or region, and typically speak the client’s language, understand the culture and have a deep knowledge of the markets we serve. Combining our investment knowledge with the resources and intellectual capital of Morgan Stanley, we deliver targeted solutions that help our clients pursue their goals and address their unique financial needs.
We may be able to provide you access to:
- An open architecture platform that includes leading asset management firms, giving you access to unaffiliated third party managers and their teams.
- Thematic investing ideas and asset allocation models from Morgan Stanley’s Global Investment Committee, guiding your overall portfolio allocation.
- Customized lending solutions from Morgan Stanley Private Bank, National Association, addressing your financing needs.
- Dedicated specialists in wealth transfer, philanthropy, family dynamics, concierge and lifestyle advisory services, and other family office capabilities, supporting the non-financial needs you may have.
Not all products and services are available to clients outside of the United States.
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 suitable 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”) 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.
CRC 3430115 05/22
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Read hereLocation
200 S Biscayne Blvd
Ste 1100
Miami, FL 33131
US
Direct:
(305) 714-7500(305) 714-7500
Meet Seven Brz Group
Danielle Cidade
International Client Advisor, Senior Vice President
Phone:
(305) 347-6238(305) 347-6238
Fernanda Valongo Cury
International Client Advisor, Executive Director
Phone:
(305) 347-6235(305) 347-6235
Mariana Sanches Bertoldi, CFP®
Financial Advisor, Vice President, International Client Advisor
Phone:
(305) 347-6250(305) 347-6250
Anderson Lucas
Senior Client Service Associate
Phone:
(305) 347-6249(305) 347-6249
Fernanda Bernd
Client Service Associate
Phone:
(305) 347-6240(305) 347-6240
Bruna Rustiguela
Client Service Associate
Phone:
(305) 347-6239(305) 347-6239
About Adriano Schirmer De Campos
Adriano Schirmer de Campos is an Executive Director, International Client Advisor, and Portfolio Manager. With 21 years of experience, Adriano is passionate about helping clients achieve their goals and having the opportunity to learn something different every day from the clients that he interacts with.
Since he was a little kid, he had the dream of working in financial markets. Adriano did a technical course in business administration when he was 15 years old and after that he decided to get his college degree in Business Administration. During his first year in college, he worked as an intern in Citibank Brazil within the International Wealth Management area. In 2004, he was hired as a full-time employee at Citibank Brazil and in 2006 he was transferred to the U.S. In 2009, Adriano moved into the Citi Private Bank division, where he worked in Miami and New York for 7 years in several areas from Investment Counselor to FX/Futures Trader. In 2017, Adriano returned to Miami to be a Financial Advisor taking care of a book of $200mm in assets from Brazilian clients. He grew this book of business to $350mm at Citi and in 2022 he decided to build his practice at Morgan Stanley.
Adriano is fluent in Portuguese, Spanish and English. He attended Universidade Mackenzie in Sao Paulo for his undergraduate Business Administration degree and then graduated with a Financial Capital Markets MBA from NYU Stern School of Business. His background sets him apart as someone that has worked in several different functions in the financial markets area and worked in 3 different countries. His approach is to position his clients one step ahead.
Adriano is committed to his community and his family. He is a Founder and leader of the Little Gators Adventurers Club in the city of Doral, FL. This club currently has 20+ kids and is designed to strengthen parent-child relationships for kids ages 2-9 by providing specialized weekly activities tuned into the psychological needs of this age group while simultaneously giving parents opportunities for learning parenting skills and enjoying special activities with their children. Adriano has been married to his high school sweetheart for over 15 years and is a father to a 9-year-old boy, a 6-year-old girl and a 4-month-old girl. He is an Avid reader (reads one book per week on average) and a car enthusiastic.
Since he was a little kid, he had the dream of working in financial markets. Adriano did a technical course in business administration when he was 15 years old and after that he decided to get his college degree in Business Administration. During his first year in college, he worked as an intern in Citibank Brazil within the International Wealth Management area. In 2004, he was hired as a full-time employee at Citibank Brazil and in 2006 he was transferred to the U.S. In 2009, Adriano moved into the Citi Private Bank division, where he worked in Miami and New York for 7 years in several areas from Investment Counselor to FX/Futures Trader. In 2017, Adriano returned to Miami to be a Financial Advisor taking care of a book of $200mm in assets from Brazilian clients. He grew this book of business to $350mm at Citi and in 2022 he decided to build his practice at Morgan Stanley.
Adriano is fluent in Portuguese, Spanish and English. He attended Universidade Mackenzie in Sao Paulo for his undergraduate Business Administration degree and then graduated with a Financial Capital Markets MBA from NYU Stern School of Business. His background sets him apart as someone that has worked in several different functions in the financial markets area and worked in 3 different countries. His approach is to position his clients one step ahead.
Adriano is committed to his community and his family. He is a Founder and leader of the Little Gators Adventurers Club in the city of Doral, FL. This club currently has 20+ kids and is designed to strengthen parent-child relationships for kids ages 2-9 by providing specialized weekly activities tuned into the psychological needs of this age group while simultaneously giving parents opportunities for learning parenting skills and enjoying special activities with their children. Adriano has been married to his high school sweetheart for over 15 years and is a father to a 9-year-old boy, a 6-year-old girl and a 4-month-old girl. He is an Avid reader (reads one book per week on average) and a car enthusiastic.
Securities Agent: CA, NY, GA, RI, FL, DE, TX; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 2486007
NMLS#: 2486007
About Danielle Cidade
Danielle Cidade is a Financial Advisor, Senior Vice President, and International Client Advisor at Morgan Stanley. As an advisor, she is passionate about educating families on how to accomplish their financial goals and attain financial independence. She has built strong relationships with her clients and their families, and serves as a friend, confidant, and advisor for life. Her trustworthiness is her unique approach. Coming from a military family, she has strong values that clients admire and appreciate.
Born and raised in Rio de Janeiro, Brazil, Danielle earned her Bachelor’s degree in Law and then went on to receive her MBA in finance from the University of Sao Paulo. Before joining Citibank Brazil in 2007, she worked as a Client Service Associate at Morgan Stanley (previously Salomon Smith Barney Holdings) in NYC, where she pursued her Business Associate Degree at Berkeley College. She then returned to Brazil and worked as a Financial Advisor and as a Private Banker afterwards. In 2007, she transitioned to Citibank Brazil as Private Client Banker. After 3 years, she started her International Private Banking role within Citibank and in 2017, she transitioned to Citibank in Miami as a Senior Financial Advisor Executive. After 15 amazing years at Citibank, she decided to move to Morgan Stanley where she is happily assisting her international clientele.
Danielle ‘s ultimate passion is traveling and the ocean. She enjoys spending time at the beach with her husband, Eduardo and her daughter, Sofia.
Born and raised in Rio de Janeiro, Brazil, Danielle earned her Bachelor’s degree in Law and then went on to receive her MBA in finance from the University of Sao Paulo. Before joining Citibank Brazil in 2007, she worked as a Client Service Associate at Morgan Stanley (previously Salomon Smith Barney Holdings) in NYC, where she pursued her Business Associate Degree at Berkeley College. She then returned to Brazil and worked as a Financial Advisor and as a Private Banker afterwards. In 2007, she transitioned to Citibank Brazil as Private Client Banker. After 3 years, she started her International Private Banking role within Citibank and in 2017, she transitioned to Citibank in Miami as a Senior Financial Advisor Executive. After 15 amazing years at Citibank, she decided to move to Morgan Stanley where she is happily assisting her international clientele.
Danielle ‘s ultimate passion is traveling and the ocean. She enjoys spending time at the beach with her husband, Eduardo and her daughter, Sofia.
Securities Agent: NY, TX, GA, FL, CA, DE, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 2410938
NMLS#: 2410938
About Fernanda Valongo Cury
Fernanda Valongo is an Executive Director and International Client Advisor at Morgan Stanley based in Miami, Florida. She is committed to long-term trusting relationships and works tirelessly to provide guidance to help clients succeed in meeting their unique financial goals
She is a fully license professional with more than 24 years of experience in the industry. Fernanda earned her Bachelor of Business Administration from Pontificia Universidade de Sao Paulo in 2003. In 2007, she earned her MBA in Economy from Universidade de Sao Paulo – USP. She spent more than 22 years working at Citibank in Sao Paulo, Puerto Rico and Miami in various roles (her last position was Financial Executive Director) before moving to Morgan Stanley in July 2022.
Fernanda was born and raised Sao Paulo, Brazil, and she is fluent in English, Spanish and Portuguese.
She is a fully license professional with more than 24 years of experience in the industry. Fernanda earned her Bachelor of Business Administration from Pontificia Universidade de Sao Paulo in 2003. In 2007, she earned her MBA in Economy from Universidade de Sao Paulo – USP. She spent more than 22 years working at Citibank in Sao Paulo, Puerto Rico and Miami in various roles (her last position was Financial Executive Director) before moving to Morgan Stanley in July 2022.
Fernanda was born and raised Sao Paulo, Brazil, and she is fluent in English, Spanish and Portuguese.
Securities Agent: GA, CA, DE, AL, IL, NY, NM, FL, NJ, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 2498804
NMLS#: 2498804
About Mariana Sanches Bertoldi
Mariana Bertoldi, CFP® is a financial advisor and International Client Advisor. She began her career as a Management Associate with Citi’s 2012 Trainee Program in Sao Paulo, Brazil. In this program, she had the opportunity to rotate between different departments: Treasury, Equities Derivatives, and Market Risk. After this program, she moved to Miami, Florida where she became an Analyst, Relationship Manager Associate, and eventually a Financial Advisor at Citi. After spending 10 years at Citi, Mariana decided to move to Morgan Stanley and be part of the Seven BRZ Group.
Mariana’s educational background, experience and professional credentials makes it clear that she is committed to providing her clients with highest level of service. She attained her Business Administration degree from Federal University of Rio Grande do Sul in 2012. Mariana was issued her Certified Financial Planner™ designation in 2016 after completing a rigorous coursework. This process includes demanding education, examination, experience, and ethical requirements. In addition, she has earned her Life Insurance and Variable Annuities licenses.
Mariana is driven by her client’s goals and needs. She is passionate about creating financial plans that aligns with her client’s personal needs and aspirations. In specific, she focuses on helping her clients navigate retirement and succession planning. Her experience working in Brazil and the U.S, has provided her with substantial knowledge on the financial markets and regulations surrounding her international investors. She is fluent in Portuguese, Spanish, and English. In her spare time, she is interested in sports and music.
Mariana’s educational background, experience and professional credentials makes it clear that she is committed to providing her clients with highest level of service. She attained her Business Administration degree from Federal University of Rio Grande do Sul in 2012. Mariana was issued her Certified Financial Planner™ designation in 2016 after completing a rigorous coursework. This process includes demanding education, examination, experience, and ethical requirements. In addition, she has earned her Life Insurance and Variable Annuities licenses.
Mariana is driven by her client’s goals and needs. She is passionate about creating financial plans that aligns with her client’s personal needs and aspirations. In specific, she focuses on helping her clients navigate retirement and succession planning. Her experience working in Brazil and the U.S, has provided her with substantial knowledge on the financial markets and regulations surrounding her international investors. She is fluent in Portuguese, Spanish, and English. In her spare time, she is interested in sports and music.
Securities Agent: VA, NY, NV, GA, DE, TX, CA, NC, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 2498197
NMLS#: 2498197
About Anderson Lucas
Anderson Lucas began his career in the financial industry in 2017 in New York City, at Citibank as a Client Service Associate. In 2022, he became a Vice President Client Service Manager and, a few months later, he accepted the offer to join the Seven BRZ Group at Morgan Stanley as Senior Client Service Associate. Anderson has always been focused on giving an exceptional client service experience and building strong and lasting relationship with clients. Born in Sao Paulo, Brazil, currently living in Miami, Anderson is fluent in Portuguese, English, and Spanish. Anderson holds his FINRA Series 7, 66, 9 and 10 licenses.
About Fernanda Bernd
Fernanda Bernd joined the Seven BRZ Group at Morgan Stanley as a Client Services Associate in 2022. She brings over four years of experience in the wealth management sector to the team. She is dedicated to providing superior client services and operational support to international clients.
Fernanda started her career in the Financial Services Industry in 2019. Prior to joining Morgan Stanley, Fernanda served as a Client Associate at Citibank, where she collaborated with and supported Financial Advisors in the LATAM region. Prior to that, she served as a Client Services Associate at Banco do Brasil Miami.
Fernanda holds the FINRA Series 7 and NASAA Series 66 licenses. She is an Attorney of Law in Brazil, earned her Bachelor’s degree in Law at Pontificia Universidade Catolica do Rio Grande do Sul.
Born in Brazil, Fernanda moved to Miami, FL in 2018 where she lives with her husband today. She is fluent in Portuguese and English. She enjoys spending time with her family and dogs, Paris and Sophie, as well as traveling and reading.
Fernanda started her career in the Financial Services Industry in 2019. Prior to joining Morgan Stanley, Fernanda served as a Client Associate at Citibank, where she collaborated with and supported Financial Advisors in the LATAM region. Prior to that, she served as a Client Services Associate at Banco do Brasil Miami.
Fernanda holds the FINRA Series 7 and NASAA Series 66 licenses. She is an Attorney of Law in Brazil, earned her Bachelor’s degree in Law at Pontificia Universidade Catolica do Rio Grande do Sul.
Born in Brazil, Fernanda moved to Miami, FL in 2018 where she lives with her husband today. She is fluent in Portuguese and English. She enjoys spending time with her family and dogs, Paris and Sophie, as well as traveling and reading.
About Bruna Rustiguela
Bruna Rustiguela began her career in the Financial Industry at Citibank in 2021. Bruna earned her Associates Degree in Business Administration & Management, and she is pursuing her Bachelor's Degree in Finance at Florida International University. Prior to joining the Wealth Management division, Bruna was a Legal Assistant at an international Law Firm based in Miami. She is specialized in providing high level and outstanding support to clients.
Born in Brazil, Bruna was a Foreign Exchange Student under the Rotary Program in 2014 and after living in Wisconsin, she decided to move to Florida. She is fluent in Portuguese and English, and has conversational proficiency in Spanish. During her free time, Bruna enjoys to spend time with her family, her new dog, and traveling to new destinations.
Born in Brazil, Bruna was a Foreign Exchange Student under the Rotary Program in 2014 and after living in Wisconsin, she decided to move to Florida. She is fluent in Portuguese and English, and has conversational proficiency in Spanish. During her free time, Bruna enjoys to spend time with her family, her new dog, and traveling to new destinations.
Contact Adriano Schirmer De Campos
Contact Danielle Cidade
Contact Fernanda Valongo Cury
Contact Mariana Sanches Bertoldi
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
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
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Creating customized financial strategies for the challenges that today’s families face.
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
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Financial Planning for Life After Selling a Business
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Donor Advised Funds: A Smart Way to Manage Your Giving
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact Seven Brz Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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
3Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
4Alternative 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.
5Investing in futures and options on futures contracts entails significant risks. Prices of futures and options on futures contracts may be affected by a variety of factors at any time, including but not limited to, (i) changes in supply and demand relationships, (ii) governmental programs and policies, (iii) national and international political and economic events, war and terrorist events, (iv) changes in interest and exchange rates, (v) trading activities in the underlying assets or commodities and related contracts, (vi) pestilence, technological change and weather and (vii) the price volatility of a commodity or asset. In addition, the futures markets may be subject to temporary distortions or other disruptions due to various factors, including lack of liquidity, participation of speculators and government intervention.
6Morgan 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.
7An 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.
8Morgan 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.
9GlobalCurrency is available to clients of Morgan Stanley Smith Barney LLC with an eligible brokerage account. Before undertaking foreign exchange transactions, clients should understand the associated risks.
Engaging in foreign currency transactions entails more varied risks than normally associated with transactions in the domestic securities markets. Attention should be paid to market, credit, sovereign, and liquidity risks. The foreign exchange transactions and deposits discussed in this material may not be appropriate for all clients. The appropriateness of a particular investment or strategy depends upon a client’s particular circumstances and objectives. This material does not provide individually tailored investment advice.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Morgan 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.
13Structured 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.
14Morgan 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.
15Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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
3Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
4Alternative 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.
5Investing in futures and options on futures contracts entails significant risks. Prices of futures and options on futures contracts may be affected by a variety of factors at any time, including but not limited to, (i) changes in supply and demand relationships, (ii) governmental programs and policies, (iii) national and international political and economic events, war and terrorist events, (iv) changes in interest and exchange rates, (v) trading activities in the underlying assets or commodities and related contracts, (vi) pestilence, technological change and weather and (vii) the price volatility of a commodity or asset. In addition, the futures markets may be subject to temporary distortions or other disruptions due to various factors, including lack of liquidity, participation of speculators and government intervention.
6Morgan 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.
7An 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.
8Morgan 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.
9GlobalCurrency is available to clients of Morgan Stanley Smith Barney LLC with an eligible brokerage account. Before undertaking foreign exchange transactions, clients should understand the associated risks.
Engaging in foreign currency transactions entails more varied risks than normally associated with transactions in the domestic securities markets. Attention should be paid to market, credit, sovereign, and liquidity risks. The foreign exchange transactions and deposits discussed in this material may not be appropriate for all clients. The appropriateness of a particular investment or strategy depends upon a client’s particular circumstances and objectives. This material does not provide individually tailored investment advice.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Morgan 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.
13Structured 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.
14Morgan 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.
15Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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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)
