Bart F. Zitnitsky
Financial Advisor, Managing Director, Wealth Management
Phone:
(310) 285-4936(310) 285-4936
Signature West Group at Morgan Stanley
Direct:
(310) 285-4800(310) 285-4800
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Story and Services
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Location
9665 Wilshire Blvd
Ste 600
Beverly Hills, CA 90212
US
Direct:
(310) 285-4800(310) 285-4800
Meet Signature West Group
Renee Provencher, CFP®, CIMA®, QPFC
Senior Vice President, Financial Advisor, Portfolio Manager
Phone:
(310) 285-4933(310) 285-4933
Matt Sorensen
Wealth Management Associate
Phone:
(310) 285-4932(310) 285-4932
About Bart F. Zitnitsky
Bart F. Zitnitsky is a Managing Director and Financial Advisor at Morgan Stanley. Previous to joining Morgan Stanley in 2023, Bart was a Managing Director and Wealth Manager at First Republic Investment Management. Prior to joining First Republic in 2010, Mr. Zitnitsky was with Northern Trust NA where he was responsible for the oversight of the investment portfolio of Family Advisory Services group. Preceding his joining Northern Trust in February 1992, he was a portfolio manager with Bank of America, City National Bank and Trust Services of America, Inc. and began his investment career with Dean Witter Reynolds as a financial advisor.
As an active member of the nonprofit community, Mr. Zitnitsky is a member of the Board of Directors for the Society for the Prevention of Cruelty to Animals/Los Angeles, as well as Chair of the Finance Committee. He is also a member of the Executive Committee and Board of The People Concern (formerly Ocean Park Community Center/LAMP Community). The People Concern is one of the largest social services agency in Los Angeles working to address the effects of poverty, abuse, neglect and discrimination on the less fortunate segment of our population. His professional affiliations include the Los Angeles Society of Financial Analysts and the Association of Investment Management and Research.
Mr. Zitnitsky earned his Bachelor of Arts in Statistics from the State University of New York at Oneonta and his MBA from the Marshall Business School at the University of Southern California.
As an active member of the nonprofit community, Mr. Zitnitsky is a member of the Board of Directors for the Society for the Prevention of Cruelty to Animals/Los Angeles, as well as Chair of the Finance Committee. He is also a member of the Executive Committee and Board of The People Concern (formerly Ocean Park Community Center/LAMP Community). The People Concern is one of the largest social services agency in Los Angeles working to address the effects of poverty, abuse, neglect and discrimination on the less fortunate segment of our population. His professional affiliations include the Los Angeles Society of Financial Analysts and the Association of Investment Management and Research.
Mr. Zitnitsky earned his Bachelor of Arts in Statistics from the State University of New York at Oneonta and his MBA from the Marshall Business School at the University of Southern California.
Securities Agent: AL, CT, GA, TX, TN, NC, NH, DE, NV, MD, MA, CA, ID, MI, WY, UT, FL, OR, NY, NJ, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 2534877
NMLS#: 2534877
About Renee Provencher
Renee Provencher is a Senior Vice President and Financial Advisor at Morgan Stanley. As a Financial Advisor, she works with clients to determine goals and objectives and how Morgan Stanley can help provide a customized solution for their unique wealth needs.
Previous to joining Morgan Stanley, Renee was a Senior Vice President and Wealth Manager at First Republic Investment Management (2010-2023). Prior to joining First Republic, she worked at Merrill Lynch as a Registered Client
Associate (2009) and at an independent RIA as a Corporate Services Client Relationship Manager (2006-2008).
Ms. Provencher is a CERTIFIED FINANCIAL PLANNER™ professional and
earned her Certified Investment Management Analyst® designation through the IMCA at The Wharton School at the University of Pennsylvania. She earned her MBA in Financial Planning from California Lutheran University and a BA in Sociology and Psychology from the University of San Diego.
Her work and dedication have led to recognition on a number of industry rankings, including #87 on the Forbes Best-In-State Women Advisors (2023) and #154 on the Forbes Top Next-Gen Wealth Advisors (2019).
Ms. Provencher has been involved in her community in various ways throughout the years, including as an inaugural Volunteer Ambassador for First Republic, former member of the Junior League of Los Angeles, volunteer for The People Concern, and former advisor for The Soldiers Project. She has also held several roles as part of the First Republic Bank Toastmasters team in Century City.
Source: Forbes.com (August 2023) Forbes America's Top Next-Gen Wealth Advisors awarded in 2019 & Best-In-State Women Advisor ranking awarded
in 2023. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with
Forbes (the publisher) during the period from 3/31/22 - 3/31/23. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth
Advisors paid a fee to SHOOK Research LLC for placement on its rankings. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s experience; investors must carefully choose the right Financial Advisor or team for their own situation and perform their own due diligence. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com.
Previous to joining Morgan Stanley, Renee was a Senior Vice President and Wealth Manager at First Republic Investment Management (2010-2023). Prior to joining First Republic, she worked at Merrill Lynch as a Registered Client
Associate (2009) and at an independent RIA as a Corporate Services Client Relationship Manager (2006-2008).
Ms. Provencher is a CERTIFIED FINANCIAL PLANNER™ professional and
earned her Certified Investment Management Analyst® designation through the IMCA at The Wharton School at the University of Pennsylvania. She earned her MBA in Financial Planning from California Lutheran University and a BA in Sociology and Psychology from the University of San Diego.
Her work and dedication have led to recognition on a number of industry rankings, including #87 on the Forbes Best-In-State Women Advisors (2023) and #154 on the Forbes Top Next-Gen Wealth Advisors (2019).
Ms. Provencher has been involved in her community in various ways throughout the years, including as an inaugural Volunteer Ambassador for First Republic, former member of the Junior League of Los Angeles, volunteer for The People Concern, and former advisor for The Soldiers Project. She has also held several roles as part of the First Republic Bank Toastmasters team in Century City.
Source: Forbes.com (August 2023) Forbes America's Top Next-Gen Wealth Advisors awarded in 2019 & Best-In-State Women Advisor ranking awarded
in 2023. This ranking was determined based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with
Forbes (the publisher) during the period from 3/31/22 - 3/31/23. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth
Advisors paid a fee to SHOOK Research LLC for placement on its rankings. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s experience; investors must carefully choose the right Financial Advisor or team for their own situation and perform their own due diligence. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com.
Securities Agent: AZ, AL, NJ, NY, WY, MI, FL, OR, MD, TX, NH, DE, NC, GA, CT, CA, TN, MA, ID; General Securities Representative; Investment Advisor Representative
NMLS#: 2524435
CA Insurance License #: 0F79838
NMLS#: 2524435
CA Insurance License #: 0F79838
Contact Bart F. Zitnitsky
Contact Renee Provencher
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Cosmin Serban
Private Banker
James Diaz
Associate Private Banker
Molly Sakahara, CFP®
Financial Planning Director, Assistant Vice President
Sean Lavin
Trust Specialist
Kaelin Garemani
Planning Associate
About Cosmin Serban
Cosmin Serban is a Private Banker serving Morgan Stanley Wealth Management offices in California.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Cosmin began his career in financial services in 2004, and joined Morgan Stanley in 2014. Prior to joining the firm, he was a Private Banker at Wells Fargo Bank. He also served as a Financial Services Representative at Opus Bank/Fullerton Community Bank.
Cosmin is a graduate of the University of Houston - Downtown, where he received a Masters Degree of Business Administration in International Business. He lives in Rancho Palos Verdes, CA. Outside of the office, Cosmin enjoys playing soccer and traveling.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Cosmin began his career in financial services in 2004, and joined Morgan Stanley in 2014. Prior to joining the firm, he was a Private Banker at Wells Fargo Bank. He also served as a Financial Services Representative at Opus Bank/Fullerton Community Bank.
Cosmin is a graduate of the University of Houston - Downtown, where he received a Masters Degree of Business Administration in International Business. He lives in Rancho Palos Verdes, CA. Outside of the office, Cosmin enjoys playing soccer and traveling.
NMLS#: 845705
About James Diaz
James Diaz is an Associate Private Banker serving Morgan Stanley Wealth Management offices in California.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
James began his career in financial services in 2005 and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was a Private Client Banker at JP Morgan Chase. He also served as a Personal Banker at Wells Fargo Bank, N.A.
James lives in Los Angeles, California with his wife, Diana and their French bulldog, Willie. Outside of the office, James enjoys traveling the world, playing the guitar, and exploring new restaurants.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
James began his career in financial services in 2005 and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was a Private Client Banker at JP Morgan Chase. He also served as a Personal Banker at Wells Fargo Bank, N.A.
James lives in Los Angeles, California with his wife, Diana and their French bulldog, Willie. Outside of the office, James enjoys traveling the world, playing the guitar, and exploring new restaurants.
NMLS#: 943515
About Molly Sakahara
Molly Sakahara is an Assistant Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in the Los Angeles area. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Molly began her career in financial services in 1999 and joined Morgan Stanley in 2015. Prior to her current position, she held positions in wealth management and private banking with an emphasis on helping individuals achieve long term life goals and understanding client’s value system in relation to their wealth.
Molly graduated from UCLA and holds her Certified Financial Planner® designation, California insurance state licensing, and Series 7 and 65. She currently resides in South Pasadena, California with her spouse and two children. Outside of work, she is a squash coach at PlayLA, a committee volunteer with UCLA Chancellor’s Society, is the founder and administrator of Buy Nothing Group for her local city, and serves on the Board of Directors for SoCal Squash Association.
Molly began her career in financial services in 1999 and joined Morgan Stanley in 2015. Prior to her current position, she held positions in wealth management and private banking with an emphasis on helping individuals achieve long term life goals and understanding client’s value system in relation to their wealth.
Molly graduated from UCLA and holds her Certified Financial Planner® designation, California insurance state licensing, and Series 7 and 65. She currently resides in South Pasadena, California with her spouse and two children. Outside of work, she is a squash coach at PlayLA, a committee volunteer with UCLA Chancellor’s Society, is the founder and administrator of Buy Nothing Group for her local city, and serves on the Board of Directors for SoCal Squash Association.
About Sean Lavin
Sean is a Regional Trust Specialist for Morgan Stanley based in Los Angeles. He is responsible for supporting Private Wealth Advisors and their clients’ legal counsel in developing trust and fiduciary solutions for families, institutions and charities. Sean works closely with clients and their legal and strategic advisors to help educate them on appropriate trust vehicles designed to meet the clients’ specific goals and objectives. Sean also provides advice on how to utilize the fiduciary services available through the Morgan Stanley’s comprehensive third party trustee platform that is available to clients.
Sean joined Morgan Stanley in 1999 including several years as a Senior Vice President and Regional Trust Specialist with Smith Barney and Citi Trust. Prior to then, Sean was a Senior Trust Officer with Merrill Lynch / Bank of America.
Sean graduated from the University of Southern California with a bachelor’s degree in business administration and received his master’s degree in business administration from the UCLA Anderson School of Management. Sean holds the Certified Financial Planner and Certified Trust and Financial Advisor designations and is Series 7 and 66 licensed.
Sean joined Morgan Stanley in 1999 including several years as a Senior Vice President and Regional Trust Specialist with Smith Barney and Citi Trust. Prior to then, Sean was a Senior Trust Officer with Merrill Lynch / Bank of America.
Sean graduated from the University of Southern California with a bachelor’s degree in business administration and received his master’s degree in business administration from the UCLA Anderson School of Management. Sean holds the Certified Financial Planner and Certified Trust and Financial Advisor designations and is Series 7 and 66 licensed.
About Kaelin Garemani
Kaelin Garemani is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, she collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, she will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Kaelin provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
She earned her undergraduate degree from The Univeristy of California, Berkeley and received the Financial Planning Specialist® designation from the College for Financial Planning. Kaelin is originally from Los Angeles, CA and currently resides in Brooklyn, New York.
She earned her undergraduate degree from The Univeristy of California, Berkeley and received the Financial Planning Specialist® designation from the College for Financial Planning. Kaelin is originally from Los Angeles, CA and currently resides in Brooklyn, New York.
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
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Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
State of the Workplace Study 2023
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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 Signature West Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
4Morgan 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.
5Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
4Morgan 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.
5Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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)
