Karen G. Coffey
Portfolio Associate
Phone:
(631) 755-8835(631) 755-8835
Stephen F Lawless
Executive Director, Wealth Management,
Financial Advisor,
Financial Planning Specialist
Direct:
(631) 755-8815(631) 755-8815
Toll-Free:
(800) 477-7522(800) 477-7522
My Mission Statement
Helping clients like you achieve your retirement and investing goals
My Story and Services
Helping you achieve financial success is my first priority. Morgan Stanley has meaningful intelligence about every major asset class and a presence in every major market, as well as investment research from some of the world’s most respected analysts. Together, we will formulate a strategy to help you achieve your most important goals and then deliver a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve.
I am a founding member of The Island Harbor Group here at Morgan Stanley. My team strives to develop a thorough understanding of our clients so we can help them make better financial decisions that are consistent with their goals.
I am a founding member of The Island Harbor Group here at Morgan Stanley. My team strives to develop a thorough understanding of our clients so we can help them make better financial decisions that are consistent with their goals.
Securities Agent: VT, IN, NJ, MT, KS, WI, VA, NC, OH, MN, IL, CO, NY, IA, AZ, MA, NM, WA, TX, NV, MI, ME, MD, DE, PA, GA, DC, CA, AL, NH, MO, FL, CT, SC, KY; General Securities Representative; Investment Advisor Representative
NMLS#: 1270260
NMLS#: 1270260
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Location
58 South Service Rd
Ste 400
Melville, NY 11747
US
Direct:
(631) 755-8815(631) 755-8815
Toll-Free:
(800) 477-7522(800) 477-7522
Fax:
(631) 755-8999(631) 755-8999
Meet My Team
Kelly Saronka, CFP®
Business Development Director
Phone:
(631) 755-1613(631) 755-1613
Patricia Bento
Senior Client Service Associate
Phone:
(631) 755-1614(631) 755-1614
Dawn Charmatz
Portfolio Associate
Phone:
(631) 755-1622(631) 755-1622
David P. Schiebelhuth
Financial Advisor, Senior Vice President
Phone:
(631) 755-8865(631) 755-8865
Mark T. Greco
Financial Advisor, Vice President, Alternative Investments Director, Financial Planning Specialist
Phone:
(631) 755-8817(631) 755-8817
Peter Sluka
Financial Advisor, Vice President
Phone:
(631) 755-1651(631) 755-1651
James Flood
Senior Vice President, Financial Advisor
Phone:
(631) 755-1620(631) 755-1620
About Kelly Saronka
Kelly Saronka, CFP® is an integral member of the team here at Morgan Stanley. As a CERTIFIED FINANCIAL PLANNER™, Kelly is responsible for financial planning, relationship management, portfolio analytics, and digital services. Kelly joined Morgan Stanley first as an intern, and since then, has held multiple roles transcending all aspects of wealth management. Before joining Morgan Stanley, she held a role in accounting at a small firm located on Long Island, New York.
Kelly earned a B.S. in Accounting and M.B.A. in Finance summa cum laude from Molloy College. She currently holds Series 7, Series 66, and New York State Life, Accident and Health Insurance licenses.
As a former two-sport Division II collegiate athlete, she enjoys running and weightlifting. She is active in the Girl Scouts of America community – where she earned the highest ranking of Gold Award Recipient. Kelly resides in Wantagh, New York with her dog Tess.
Kelly earned a B.S. in Accounting and M.B.A. in Finance summa cum laude from Molloy College. She currently holds Series 7, Series 66, and New York State Life, Accident and Health Insurance licenses.
As a former two-sport Division II collegiate athlete, she enjoys running and weightlifting. She is active in the Girl Scouts of America community – where she earned the highest ranking of Gold Award Recipient. Kelly resides in Wantagh, New York with her dog Tess.
About Patricia Bento
Patty Bento has been with Morgan Stanley for 17 years and has 34 years of experience in the financial services industry. When not in the office in her free time she enjoys bowling on her weekly league, going to the gym and watching the NY Rangers with her rescue cat Winnie.
About Dawn Charmatz
Dawn Charmatz joins us with 20 years of experience in the financial services industry. She has previously worked at several brokerage firms including UBS, Lehman Brothers and Barclays. Dawn is Series 7, 63 and 66 licensed. She also holds a New York State Life and Health Insurance license. Dawn currently resides in Plainview, New York with her husband Brian and two daughters, Alexandra and Juliana. In her spare time Dawn likes to exercise, enjoys outdoor activities with her family and likes to read. She also spends time volunteering for the nonprofit organization JDRF, who is the top leading organization in research to find a cure for type 1 diabetes.
About David P. Schiebelhuth
David Schiebelhuth has been a Financial Advisor for over 20 years providing a holistic approach with each client. He utilizes financial plans as he values individual circumstances prior to making recommendations. David earned a Bachelor of Arts from Quinnipiac University and further went on to complete the Financial Planning Course at New York University.
When he is not in the office, David enjoys spending time with his family, traveling, and playing golf. He is active in his community where he coaches a youth travel baseball and flag football teams. He resides locally in Dix Hills, NY with his wife and two children.
Professional Highlights:
- Portfolio Manager
- Financial Planning Specialist
- Series 7, 63, 66 Securities Registrations
- Life and Health Insurance Licenses
Experience
-2002-2003 Raymond James Financial Services, Inc
-2003-2005 Merrill Lynch, Pierce, Fenner & Smith Inc.
-2005-2020 JP Morgan Securities / Chase Investment Services Corp.
-2020- Present Morgan Stanley
When he is not in the office, David enjoys spending time with his family, traveling, and playing golf. He is active in his community where he coaches a youth travel baseball and flag football teams. He resides locally in Dix Hills, NY with his wife and two children.
Professional Highlights:
- Portfolio Manager
- Financial Planning Specialist
- Series 7, 63, 66 Securities Registrations
- Life and Health Insurance Licenses
Experience
-2002-2003 Raymond James Financial Services, Inc
-2003-2005 Merrill Lynch, Pierce, Fenner & Smith Inc.
-2005-2020 JP Morgan Securities / Chase Investment Services Corp.
-2020- Present Morgan Stanley
Securities Agent: AZ, SC, DC, PA, MT, DE, TX, IN, FL, VT, SD, OH, NV, MN, MI, MD, AL, KS, CO, VA, NY, KY, WA, NJ, NH, GA, CT, NM, NC, MO, ME, MA, IA, CA, WV, WI, IL; General Securities Representative; Investment Advisor Representative
About Mark T. Greco
Mark Greco is a Vice President with Morgan Stanley and has been a trusted advisor to high-net-worth individuals and their families for over 40 years. Mark works closely with his clients to help them reach their long-term investment goals and navigate life events that require the perspective of a seasoned financial professional. He is a Financial Planning Specialist, Alternative Investments Director, and Portfolio Manager. Mark is a graduate of The University of Colorado, Boulder and earned his MBA from the Roth Graduate school at Long Island University. He is also a motorcycle enthusiast and plays guitar.
Securities Agent: IA, VT, VA, NM, WA, GA, TX, PA, IL, DE, NH, MN, SC, MT, MD, MA, AZ, OH, KS, CA, AL, NY, NC, KY, FL, DC, CT, NV, NJ, CO, WI, MO, MI, ME, IN; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
About Peter Sluka
Peter Sluka has been a Morgan Stanley Financial Advisor for the past 13 years providing bespoke portfolio and planning advice helping enable clients to meet their goals and to successfully retire. Peter has another 25 years of leadership experience in corporate finance, operations and financial regulation.
After attaining his MBA in Finance from St John’s University, Peter served as a Sr. Examiner for NASD\FINRA where he developed a deep appreciation for getting things done the right way.
Peter was a competitive distance runner who in recent years has settled into cycling and golf.
Professional Highlights:
- Series 7, 31, 66 Securities Registrations & Insurance\Annuities Licenses
- Published in the Journal of Business Forecasting
- National Honor Society in Economics
- Chairman’s Award for Quality – American Express
- Six Sigma Master Black Belt
After attaining his MBA in Finance from St John’s University, Peter served as a Sr. Examiner for NASD\FINRA where he developed a deep appreciation for getting things done the right way.
Peter was a competitive distance runner who in recent years has settled into cycling and golf.
Professional Highlights:
- Series 7, 31, 66 Securities Registrations & Insurance\Annuities Licenses
- Published in the Journal of Business Forecasting
- National Honor Society in Economics
- Chairman’s Award for Quality – American Express
- Six Sigma Master Black Belt
Securities Agent: VA, OH, FL, DE, KS, NV, ME, MA, AL, WI, VT, WA, SC, MN, MI, DC, CT, CO, AZ, NM, NH, NC, MT, IA, NJ, MO, MD, TX, PA, IL, GA, CA, NY, KY, IN; General Securities Representative; Investment Advisor Representative
About James Flood
James Flood is a Financial Advisor who brings over 20 years of experience to the Island Harbor Group. As a Portfolio Management Director and Alternative Investments Director, James provides highly customized advice and investment solutions to individuals and families. He is committed to long-term relationships and strives to deliver objective advice through exceptional client service. He closely monitors client portfolios, reporting on progress through ongoing client conversations.
Prior to his career as a Financial Advisor, James earned his bachelor’s degree in Business from St. John’s University and participated in CW Post's Financial Planning Program.
Outside of the office, James is a dedicated father to three. He can often be found cheering on the New York Islanders.
Professional Highlights:
• Series 7, 31, 63, 65 Securities Registrations
• Life, Accident and Health Insurance License
• NYS Partnership Long Term Care
• Bachelor’s Degree in Business, St. John’s
• CW Post, Financial Planning Program
• Forbes Best-In-State Wealth Advisors 2022
• Forbes Best-In-State Wealth Advisors 2023
Forbes Best-In- State Wealth Advisors
Source: Forbes.com Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21
Source: Forbes.com Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22
Prior to his career as a Financial Advisor, James earned his bachelor’s degree in Business from St. John’s University and participated in CW Post's Financial Planning Program.
Outside of the office, James is a dedicated father to three. He can often be found cheering on the New York Islanders.
Professional Highlights:
• Series 7, 31, 63, 65 Securities Registrations
• Life, Accident and Health Insurance License
• NYS Partnership Long Term Care
• Bachelor’s Degree in Business, St. John’s
• CW Post, Financial Planning Program
• Forbes Best-In-State Wealth Advisors 2022
• Forbes Best-In-State Wealth Advisors 2023
Forbes Best-In- State Wealth Advisors
Source: Forbes.com Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21
Source: Forbes.com Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22
Securities Agent: FL, AL, WA, SC, PA, IN, DE, DC, KS, CA, NY, MO, KY, IA, VA, NJ, ME, MA, MI, WV, WI, MD, CT, CO, AZ, TX, VT, OH, NM, NH, NC, TN, NV, MT, MN, IL, GA; General Securities Representative; Investment Advisor Representative; Managed Futures
Wealth Management
Global Investment Office
Portfolio Insights
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
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
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
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
Ready to start a conversation? Contact Stephen F Lawless today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan 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.
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 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.
4The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.
5Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
6Morgan 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
7When 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.
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 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
2Morgan 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.
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 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.
4The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG 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.
5Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
6Morgan 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
7When 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.
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 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)
