Scott D. Rash, CFP
Managing Director, Market Executive
Phone:
(650) 926-7676(650) 926-7676
Morgan Stanley
Silicon Valley Market Office
You define success, we help you achieve it
1400 Page Mill Road
Palo Alto, CA 94304
US
Market:
(650) 496-4200(650) 496-4200
Toll-Free:
(800) 388-4930(800) 388-4930
Market Executive
Scott RashPhone:
(650) 926-7676(650) 926-7676
About Morgan Stanley Silicon Valley Market
Welcome to the Morgan Stanley Silicon Valley Complex. It is with great pride that I invite you to meet our Complex Management Team and Financial Advisors.
One of our primary objectives is to assemble a team of experienced, self-motivated and insightful Financial Advisors who are dedicated to the needs of their clients. Our Financial Advisors enjoy the full support of Complex Management as well as the Firm throughout their careers. While we believe that the professionals in our office are of the highest caliber, we continually seek to add talent and broaden our capabilities.
For more than 35 years, Morgan Stanley's Silicon Valley Complex has served a wide range of distinguished clients: from major corporations, nonprofit institutions, private equity and venture capital firms to senior corporate executives, sophisticated investors and high net worth families. These clients have relied on our experience and resources to help them meet their financial needs and objectives. With offices in Palo Alto, Menlo Park and San Mateo, the Silicon Valley Complex has the most comprehensive collection of solutions for business and affluent individuals in the epicenter of wealth.
Financial Advisors in the Silicon Valley Complex often meld their skills to work on teams that are led by a Financial Advisor with more than 20 years of tenure with Morgan Stanley. Each is committed to providing our clients with personalized service and astute counsel. Culturally, the Silicon Valley Complex values collaboration and entrepreneurship. We believe Financial Advisors thrive in our environment because integrity and professionalism are evident in every relationship, both within the office and with our clients. No less important, we are dedicated to promoting diversity and inclusion, while the power of leveraging many points of view to drive business results is fundamental to our culture.
More than half of our Financial Advisors have completed extensive continuing education courses and have attained professional designations. They are also supported by the broad resources of Morgan Stanley. We firmly believe in open architecture, wherein our Financial Advisors are encouraged to take the helm of deciding what works best for their clients and for their practice. We, in turn, support the Financial Advisors in our Complex implicitly.
Since joining Morgan Stanley and its predecessor firms in 1995, I have had the opportunity to build meaningful, long-lasting bonds with our Financial Advisors, who are consistently among the most productive in the Firm. I am confident you will discover numerous opportunities with us to take your practice to the next level. I look forward to continuing the process of exploring how our team can most effectively serve you and your clients.
- Scott D. Rash, CFP®, Complex Manager
One of our primary objectives is to assemble a team of experienced, self-motivated and insightful Financial Advisors who are dedicated to the needs of their clients. Our Financial Advisors enjoy the full support of Complex Management as well as the Firm throughout their careers. While we believe that the professionals in our office are of the highest caliber, we continually seek to add talent and broaden our capabilities.
For more than 35 years, Morgan Stanley's Silicon Valley Complex has served a wide range of distinguished clients: from major corporations, nonprofit institutions, private equity and venture capital firms to senior corporate executives, sophisticated investors and high net worth families. These clients have relied on our experience and resources to help them meet their financial needs and objectives. With offices in Palo Alto, Menlo Park and San Mateo, the Silicon Valley Complex has the most comprehensive collection of solutions for business and affluent individuals in the epicenter of wealth.
Financial Advisors in the Silicon Valley Complex often meld their skills to work on teams that are led by a Financial Advisor with more than 20 years of tenure with Morgan Stanley. Each is committed to providing our clients with personalized service and astute counsel. Culturally, the Silicon Valley Complex values collaboration and entrepreneurship. We believe Financial Advisors thrive in our environment because integrity and professionalism are evident in every relationship, both within the office and with our clients. No less important, we are dedicated to promoting diversity and inclusion, while the power of leveraging many points of view to drive business results is fundamental to our culture.
More than half of our Financial Advisors have completed extensive continuing education courses and have attained professional designations. They are also supported by the broad resources of Morgan Stanley. We firmly believe in open architecture, wherein our Financial Advisors are encouraged to take the helm of deciding what works best for their clients and for their practice. We, in turn, support the Financial Advisors in our Complex implicitly.
Since joining Morgan Stanley and its predecessor firms in 1995, I have had the opportunity to build meaningful, long-lasting bonds with our Financial Advisors, who are consistently among the most productive in the Firm. I am confident you will discover numerous opportunities with us to take your practice to the next level. I look forward to continuing the process of exploring how our team can most effectively serve you and your clients.
- Scott D. Rash, CFP®, Complex Manager
Services Provided
- Retirement PlanningFootnote1
- Saving for CollegeFootnote2
- Maintaining Cash Flow
- Long-term Care InsuranceFootnote3
- Traditional Investments
- Alternative InvestmentsFootnote4
- Insurance ServicesFootnote5
- Investing with ImpactFootnote6
- Legacy PlanningFootnote7
- Succession PlanningFootnote8
- Family Mission Statements
- Next Generation EducationFootnote9
- Lending SolutionsFootnote10
- Cash Management SolutionsFootnote11
Our Team at Morgan Stanley Silicon Valley Market
Robert Wolffe
Senior Vice President, Market Manager
Phone:
(650) 926-7143(650) 926-7143
Charles Levy
Executive Director, Market Manager
Phone:
(650) 234-5171(650) 234-5171
Jason Parker
Executive Director, Market Manager
Phone:
(650) 853-4048(650) 853-4048
Marina Perry
Senior Vice President, Branch Manager
Phone:
(650) 358-1826(650) 358-1826
Chad Bell
First Vice President, Senior Risk Officer
Phone:
(650) 926-7649(650) 926-7649
Rachelle Ruiz
First Vice President, Market Business Service Officer
Phone:
(650) 838-4211(650) 838-4211
Terry McKee
Market Administrator
Phone:
(650) 926-7653(650) 926-7653
Jay O'Neil
Executive Director, Associate Market Manager
Phone:
(650) 496-3973(650) 496-3973
Ken Ferrando, CFP
Business Development Manager
Phone:
(650) 496-4224(650) 496-4224
About Scott D. Rash
My primary focus is to drive revenue, increase profitability and manage risk across the Silicon Valley Complex, but I am equally committed to helping every Financial Advisor in the Complex realize their potential and succeed. I learned long ago that developing cohesive teams through accountability and unwavering ethical standards results in strong morale and consistent production, so I try to be as balanced and available as possible.
One of my primary goals is to ensure that all FAs in the Complex have a thorough understanding of the Firm’s products and services and are able to use this knowledge to develop personalized, goals-based wealth plans for their clients. I am very involved in Complex recruitment, community outreach and diversity initiatives.
I began my career in the industry in 1987 as a Financial Advisor specializing in ERISA plans for the middle markets in San Diego. From 1992 to 1997, I held various positions involving corporate retirement plans including Regional Sales Director for Smith Barney’s Corporate Services based in Seattle, Washington. In 1997, I became the Branch Manager for the Spokane, Washington Complex which included offices in Spokane; Liberty Lake, Washington; Lewiston, Idaho; and Missoula, Montana. I relocated to California in 2004 to assume my current position.
I attended the University of Nebraska and graduated with a Bachelor of Science degree in Economics in 1986. I am a Certified Financial Planner™ (CFP®), Certified Employee Benefit Specialist® (CEBS®) and an arbitrator with the Financial Industry Regulatory Authority. I live in Menlo Park, California, with my wife, Paula, and our three children.
"I am focused on delivering resources to support and leverage your competitive position in the financial services industry. Through an "open-door" philosophy, I strive to be accessible and supportive of your needs during your transition phase and as you grow your business at Morgan Stanley. Your practice and your clients will be well cared for at the Silicon Valley Complex."
One of my primary goals is to ensure that all FAs in the Complex have a thorough understanding of the Firm’s products and services and are able to use this knowledge to develop personalized, goals-based wealth plans for their clients. I am very involved in Complex recruitment, community outreach and diversity initiatives.
I began my career in the industry in 1987 as a Financial Advisor specializing in ERISA plans for the middle markets in San Diego. From 1992 to 1997, I held various positions involving corporate retirement plans including Regional Sales Director for Smith Barney’s Corporate Services based in Seattle, Washington. In 1997, I became the Branch Manager for the Spokane, Washington Complex which included offices in Spokane; Liberty Lake, Washington; Lewiston, Idaho; and Missoula, Montana. I relocated to California in 2004 to assume my current position.
I attended the University of Nebraska and graduated with a Bachelor of Science degree in Economics in 1986. I am a Certified Financial Planner™ (CFP®), Certified Employee Benefit Specialist® (CEBS®) and an arbitrator with the Financial Industry Regulatory Authority. I live in Menlo Park, California, with my wife, Paula, and our three children.
"I am focused on delivering resources to support and leverage your competitive position in the financial services industry. Through an "open-door" philosophy, I strive to be accessible and supportive of your needs during your transition phase and as you grow your business at Morgan Stanley. Your practice and your clients will be well cared for at the Silicon Valley Complex."
CA Insurance License #: 0721633
About Robert Wolffe
As a Branch Manager, I play a key role in the overall management of all aspects of the business across the Menlo Park Office. As a leader, my mission is to foster and maintain a culture based on Morgan Stanley's five core values: Putting Clients First, Leading with Exceptional Ideas, Doing the Right Thing, Giving Back and Diversity and Inclusion. Day-to-day you'll find me helping our Financial Advisors realize their vision of the Perfect Practice.
I take an active role in helping pioneer the digital change that is taking place in our industry. Our Complex is committed to being a leader in cutting-edge technology and leveraging it to maximize our client relationships.
I also possess a deep understanding of corporate equity solutions including corporate stock and option plans, 10b5-1, Section 16 and SOX, and can help our Financial Advisors discover solutions for their C-level clients and companies. I currently reside in Silicon Valley with my wife Christine and our three children.
"Developing Advisors who accurately reflect our local demographics is essential to our success as a Firm and your success as a Financial Advisor."
I take an active role in helping pioneer the digital change that is taking place in our industry. Our Complex is committed to being a leader in cutting-edge technology and leveraging it to maximize our client relationships.
I also possess a deep understanding of corporate equity solutions including corporate stock and option plans, 10b5-1, Section 16 and SOX, and can help our Financial Advisors discover solutions for their C-level clients and companies. I currently reside in Silicon Valley with my wife Christine and our three children.
"Developing Advisors who accurately reflect our local demographics is essential to our success as a Firm and your success as a Financial Advisor."
About Charles Levy
With three decades of financial services industry experience, I have been Branch Manager in Menlo Park since 2010. Both at my branch and across the Silicon Valley Complex, I am committed to providing ongoing leadership to all Financial Advisors — veterans and rookies alike — in an effort to help them maintain a superior and consistent level of client service. In particular, I do whatever I can to help new Financial Advisors make a seamless transition from their previous firm and prepare to help them achieve their personal and/or team’s goals.
Culturally, the Menlo Park Branch values collaboration and entrepreneurship. I believe Financial Advisors thrive in our environment because integrity and professionalism are evident in every relationship, both within the office and with our clients. Our Financial Advisors enjoy the full support of branch management, as well as the Firm, throughout their careers. Our unique approach to the business enables us to build meaningful, long-lasting bonds with our Financial Advisors, who are consistently among the most productive in the Firm. We also have many multi-generational client relationships, which is a source of great pride.
Morale is a critical factor in a Financial Advisor’s success and I make it a point to serve as an outlet to Financial Advisors who need assistance with their practice, whether it is during the recruitment process or down the road.
I graduated with a Bachelor of Arts degree in Psychology with a specialization in Business Administration and Accounting from the University of California, Los Angeles. My wife, Elizabeth, and I live in Mountain View, California, with our two daughters, Allyson and Kate.
“The Financial Advisors at Menlo Park have access to a global platform of resources, services and specialists that enable them to select a wide variety of solutions to help meet the diverse financial needs of their clients, who range from high net worth individuals to large corporations. One of the many benefits of the Silicon Valley Complex is that we are able to deliver personalized investment, wealth management services and corporate capabilities, coupled with tailored in-depth advice.”
Culturally, the Menlo Park Branch values collaboration and entrepreneurship. I believe Financial Advisors thrive in our environment because integrity and professionalism are evident in every relationship, both within the office and with our clients. Our Financial Advisors enjoy the full support of branch management, as well as the Firm, throughout their careers. Our unique approach to the business enables us to build meaningful, long-lasting bonds with our Financial Advisors, who are consistently among the most productive in the Firm. We also have many multi-generational client relationships, which is a source of great pride.
Morale is a critical factor in a Financial Advisor’s success and I make it a point to serve as an outlet to Financial Advisors who need assistance with their practice, whether it is during the recruitment process or down the road.
I graduated with a Bachelor of Arts degree in Psychology with a specialization in Business Administration and Accounting from the University of California, Los Angeles. My wife, Elizabeth, and I live in Mountain View, California, with our two daughters, Allyson and Kate.
“The Financial Advisors at Menlo Park have access to a global platform of resources, services and specialists that enable them to select a wide variety of solutions to help meet the diverse financial needs of their clients, who range from high net worth individuals to large corporations. One of the many benefits of the Silicon Valley Complex is that we are able to deliver personalized investment, wealth management services and corporate capabilities, coupled with tailored in-depth advice.”
CA Insurance License #: 0C51579
About Jason Parker
As a former teacher, I try to bring and educational perspective to the financial services industry. After receiving a bachelor’s degree in Political Science and English, and a Master’s degree in Education, I spent five years as a high school English teacher. The move to Morgan Stanley, both as a Financial Advisor and now as a Manager, was fueled by a strong desire to continue educating individuals. Though the pupils are of a different age, the concept is very much the same: Educate and help people prepare for tomorrow.
As Branch Manager of the Palo Alto and Mountain View offices, I strive to develop a culture of growth and collaboration. We accomplish this by consistently sharing best practices, communicating through challenging markets, and constantly looking for new ways to address our clients’ constantly evolving needs. Morgan Stanley has dedicated a tremendous amount of resources to Modern Wealth Management and the Team in Palo Alto intends to be at the forefront.
A quick walk around our offices and you will immediately notice a heavy concentration of high function teams focusing on both domestic and international markets. This is a direct result of our continued focus on creating and developing multi-skilled teams and partnerships. With an open door mentality, there is no client need that we cannot address.
When not in the office, you’ll find me mountain biking or skiing in the mountains of Tahoe with my dog Lucy following close behind.
“Each of our clients and businesses are unique. Due to this, we understand that our skill set has to be advanced and constantly forward thinking. The goal is to be ahead of the curve with industry trends.”
As Branch Manager of the Palo Alto and Mountain View offices, I strive to develop a culture of growth and collaboration. We accomplish this by consistently sharing best practices, communicating through challenging markets, and constantly looking for new ways to address our clients’ constantly evolving needs. Morgan Stanley has dedicated a tremendous amount of resources to Modern Wealth Management and the Team in Palo Alto intends to be at the forefront.
A quick walk around our offices and you will immediately notice a heavy concentration of high function teams focusing on both domestic and international markets. This is a direct result of our continued focus on creating and developing multi-skilled teams and partnerships. With an open door mentality, there is no client need that we cannot address.
When not in the office, you’ll find me mountain biking or skiing in the mountains of Tahoe with my dog Lucy following close behind.
“Each of our clients and businesses are unique. Due to this, we understand that our skill set has to be advanced and constantly forward thinking. The goal is to be ahead of the curve with industry trends.”
About Marina Perry
I rise daily to meet a wonderful group of Financial Advisors based out of our Morgan Stanley San Mateo branch, whose purpose is to help the community achieve financial success, utilizing the resources available through the Morgan Stanley Modern Wealth Management offering.
Having been part of this industry since my childhood, with my father, sister and brother also experiencing lasting careers in wealth management, I am proud to be celebrating my 19th year in the industry.
Belonging to the Morgan Stanley Silicon Valley Complex management team is a joy in itself. I benefit from its rich intellectual capital, as well as plentiful resources tailored specifically to our clients' needs.
I wear many hats in my role, such as a Financial Advisor, Branch Manager, Executive Financial Services Director, Portfolio Manager and Certified Financial Planner.
The energy in my San Mateo office is contagious, spanning from multiple generations of advisors and clients, as well as diverse business profiles, including Corporate Equity Compensation Plan Services.
I am fortunate to pursue a cause dear to my heart, which is the furtherance of female professional empowerment through my leadership of the Morgan Stanley Silicon Valley Complex Women Leadership Group.
"My goal is for Morgan Stanley to be the firm of choice for female financial advisors, as well as for female clients. By influencing our business model to meet the requirements of female advisors and clients, we improve the overall well being of Morgan Stanley as a firm.
Having two daughters, it is a privilege and responsibility to be offered this vantage point in which we can be architects of a better future for girls and their economic contribution to society, through honoring their priorities."
Having been part of this industry since my childhood, with my father, sister and brother also experiencing lasting careers in wealth management, I am proud to be celebrating my 19th year in the industry.
Belonging to the Morgan Stanley Silicon Valley Complex management team is a joy in itself. I benefit from its rich intellectual capital, as well as plentiful resources tailored specifically to our clients' needs.
I wear many hats in my role, such as a Financial Advisor, Branch Manager, Executive Financial Services Director, Portfolio Manager and Certified Financial Planner.
The energy in my San Mateo office is contagious, spanning from multiple generations of advisors and clients, as well as diverse business profiles, including Corporate Equity Compensation Plan Services.
I am fortunate to pursue a cause dear to my heart, which is the furtherance of female professional empowerment through my leadership of the Morgan Stanley Silicon Valley Complex Women Leadership Group.
"My goal is for Morgan Stanley to be the firm of choice for female financial advisors, as well as for female clients. By influencing our business model to meet the requirements of female advisors and clients, we improve the overall well being of Morgan Stanley as a firm.
Having two daughters, it is a privilege and responsibility to be offered this vantage point in which we can be architects of a better future for girls and their economic contribution to society, through honoring their priorities."
About Chad Bell
I am responsible for a wide variety of compliance and risk functions. My role is to help Financial Advisors adhere to best business and ethics practices, applicable federal, state and local laws, Morgan Stanley policies and all other applicable regulations. I have a Bachelor of Science degree in Family Resource Management from The Ohio State University and live in Scotts Valley, California, with my wife, Amanda, and two young children.
"I work to ensure that Morgan Stanley's priority of managing ethical business practices is preserved through providing Financial Advisors and their support staff with legal and compliance training, overseeing Branch procedures to ensure compliance with security industry and Firm regulations, and providing support to Financial Advisors who may need assistance in managing their client base."
"I work to ensure that Morgan Stanley's priority of managing ethical business practices is preserved through providing Financial Advisors and their support staff with legal and compliance training, overseeing Branch procedures to ensure compliance with security industry and Firm regulations, and providing support to Financial Advisors who may need assistance in managing their client base."
About Rachelle Ruiz
As Complex Business Service Officer, I am responsible for all service, staffing and operations in our Complex. I support Financial Advisors in transitioning their practices by coordinating the resources of the Firm. Along with my business service management team, we partner with our Branch Managers to prepare for your transition. We work closely with Financial Advisors and their support professionals to communicate with their clients, explain the steps, facilitate account opening and asset movement using our digital tools and effectively troubleshoot any operational issues that may arise.
I began my career at Smith Barney in 2000 and have had a variety of service roles including Registered Associate, Senior Assistant Operations Manager and Business Service Manager. I earned a Bachelor of Arts in Psychology from San Francisco State University and reside in Menlo Park, California.
"I have a passion for client service and will help you deliver a positive on boarding experience to your clients."
I began my career at Smith Barney in 2000 and have had a variety of service roles including Registered Associate, Senior Assistant Operations Manager and Business Service Manager. I earned a Bachelor of Arts in Psychology from San Francisco State University and reside in Menlo Park, California.
"I have a passion for client service and will help you deliver a positive on boarding experience to your clients."
Interested in a Career at Morgan Stanley?
Financial Advisors
Morgan Stanley Wealth Management grants Financial Advisors access to global resources and capabilities that will take your business to the next level—and provide confidence to your clients.
Experienced Professionals
Leverage your talent, hone your skills and build a career at Morgan Stanley, where our goal is always to deliver first-class business in a first-class way.
Branch Address
245 Lytton Avenue
Suite 200
Palo Alto, CA 94301
US
Branch:
(650) 328-8080(650) 328-8080
Toll-Free:
(800) 755-8081(800) 755-8081
Fax:
(650) 328-8095(650) 328-8095
Palo Alto Branch
Find a Financial AdvisorBranch Address
1400 Page Mill Road
Palo Alto, CA 94304
US
Branch:
(650) 493-5300(650) 493-5300
Fax:
(650) 493-6647(650) 493-6647
Menlo Park Branch
Find a Financial AdvisorBranch Address
2775 Sand Hill Road
Suite 120
Menlo Park, CA 94025
US
Branch:
(650) 926-7140(650) 926-7140
Fax:
(650) 926-7650(650) 926-7650
Menlo Park Reinvestment Center Branch
Find a Financial AdvisorBranch Address
2775 Sand Hill Road
Suite 120
Menlo Park, CA 94025
US
Branch:
(650) 926-7140(650) 926-7140
Fax:
(650) 926-7680(650) 926-7680
Microsoft Option Exe Branch
Find a Financial AdvisorBranch Address
1400 Page Mill Road
Palo Alto, CA 94304
US
Branch:
(650) 493-5300(650) 493-5300
Fax:
(650) 430-0434(650) 430-0434
Corporate Services Branch
Find a Financial AdvisorBranch Address
1400 Page Mill Road
Palo Alto, CA 94304
US
Branch:
(650) 858-4839(650) 858-4839
Fax:
(650) 858-4805(650) 858-4805
Branch Address
2775 Sand Hill Road
Suite 120
Menlo Park, CA 94025
US
Branch:
(650) 926-7600(650) 926-7600
Toll-Free:
(800) 624-7248(800) 624-7248
Fax:
(650) 926-7680(650) 926-7680
Branch Address
411 Borel Ave
Suite 220
San Mateo, CA 94402
US
Branch:
(650) 358-1800(650) 358-1800
Fax:
(650) 358-1859(650) 358-1859
Amazon Service Center Branch
Find a Financial AdvisorBranch Address
1400 Page Mill Road
Palo Alto, CA 94304
US
Branch:
(650) 496-4200(650) 496-4200
Fax:
(650) 493-0434(650) 493-0434
Branch Address
2882 Sand Hill Rd
Ste 200
Menlo Park, CA 94025
US
Branch:
(650) 234-5100(650) 234-5100
Toll-Free:
(800) 456-0914(800) 456-0914
Fax:
(650) 234-5160(650) 234-5160
Silicon Valley Branch
Find a Financial AdvisorBranch Address
1400 Page Mill Road
Palo Alto, CA 94304
US
Branch:
(650) 496-4200(650) 496-4200
Toll-Free:
(800) 388-4930(800) 388-4930
Fax:
(650) 493-0434(650) 493-0434
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Tax laws are complex and are subject to change. 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. 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.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6The returns on a portfolio consisting primarily of sustainable investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Morgan 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.
9Tax laws are complex and are subject to change. 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. 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.
10Morgan 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
11Morgan 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
Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).
The investments and products listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments or products, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. The appropriateness of a particular investment or product will depend upon an investor's individual circumstances and objectives.
Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
© 2022 Morgan Stanley Smith Barney LLC. Member SIPC.
Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Tax laws are complex and are subject to change. 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. 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.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6The returns on a portfolio consisting primarily of sustainable investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because sustainability criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Morgan 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.
9Tax laws are complex and are subject to change. 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. 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.
10Morgan 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
11Morgan 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
Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).
The investments and products listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments or products, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. The appropriateness of a particular investment or product will depend upon an investor's individual circumstances and objectives.
Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
© 2022 Morgan Stanley Smith Barney LLC. Member SIPC.
Awards Disclosures
CRC 6491812 04/2024