Stephen J Brady, CFP®, ChFC®
Executive Director, Wealth Management,
Wealth Advisor,
Family Wealth Director,
Senior Portfolio Management Director,
Senior Investment Management Specialist,
Executive Financial Services Director,
CERTIFIED FINANCIAL PLANNER®,
Workplace Advisor - Equity Compensation
Direct:
(973) 425-2306(973) 425-2306
Toll-Free:
(800) 755-4253(800) 755-4253
My Mission Statement
To provide objective, high-quality advice and services, so you can spend less time worrying about your money and more time focusing on what brings true meaning to your life.
Developing a Path to Longstanding Wealth
As your life and career evolve, not only do your finances become more complex, but the opportunities to effectively manage your wealth increase as well. Often, evaluating these opportunities and wisely choosing among them requires the guidance of a skilled financial advisor – one who not only understands your specific challenges, but has the knowledge and access to “best in class” solutions to set you on a course for financial success.
KNOWLEDGE, GUIDANCE, DISCIPLINE
An industry veteran, I bring a lifetime of experience to my role as a wealth management professional.
My emphasis on financial planning – combined with my commitment to understanding and identifying macro-economic trends – enable me to take the mystery out of the markets and bring a disciplined, comprehensive approach to smart money management.
I am committed to delivering objective guidance and personalized service to simplify your financial life. I do this by developing tailored strategies aimed at building and preserving your family’s wealth now and for generations to come.
MAKING A DIFFERENCE
My ultimate goal is to empower you to make more informed and confident decisions on any financial challenge you face. I know how hard you are working to achieve your personal and professional goals, and will work even harder to ensure your wealth leads to continued prosperity.
GETTING STARTED
Taking the first step is easy. It begins with a conversation. I look forward to getting to know you and discussing how I can make a real difference in the overall organization and management of your financial life.
KNOWLEDGE, GUIDANCE, DISCIPLINE
An industry veteran, I bring a lifetime of experience to my role as a wealth management professional.
My emphasis on financial planning – combined with my commitment to understanding and identifying macro-economic trends – enable me to take the mystery out of the markets and bring a disciplined, comprehensive approach to smart money management.
I am committed to delivering objective guidance and personalized service to simplify your financial life. I do this by developing tailored strategies aimed at building and preserving your family’s wealth now and for generations to come.
MAKING A DIFFERENCE
My ultimate goal is to empower you to make more informed and confident decisions on any financial challenge you face. I know how hard you are working to achieve your personal and professional goals, and will work even harder to ensure your wealth leads to continued prosperity.
GETTING STARTED
Taking the first step is easy. It begins with a conversation. I look forward to getting to know you and discussing how I can make a real difference in the overall organization and management of your financial life.
Services Include
Securities Agent: OR, WI, NC, MD, CT, SC, NY, MA, AZ, VT, NM, ME, KY, TX, OH, IN, VA, MN, MI, DE, WY, GA, FL, CA, TN, NJ, DC, WA, UT, PA, NV, IL, CO, RI; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1406597
NMLS#: 1406597
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Clientele
Over the course of my career, I have developed a strong and active practice that proudly represents my community. Whether my clients live in the Morristown area or have moved across the country, I have found they all need professional guidance with the following financial needs. As we begin to work together, I am confident you will come to regard me as a trusted steward, here to help you make informed decisions on any financial challenge you face.
- Planning for a successful retirement
- Minimizing taxes
- Approaching a life-changing event with confidence, such as the sale of a business or the loss of a spouse
- Saving effectively so children can attend their colleges of choice
- Financing a major acquisition
- Maximizing the impact of charitable contributions
- Leaving a lasting legacy
My clients include:
- Multi-generational families
- Retirees and those planning for retirement
- Professionals in medicine, finance and education
- Business owners and self-made entrepreneurs
- Institutions and nonprofits
Achieving Your Goals
Individuals and families hire me to help them manage their current wealth, while achieving future goals. Through each step of my process, I provide objective advice and investment insights to construct a plan that is uniquely yours.
1 - Introductions
We begin with an informal conversation to understand your financial concerns and determine how I can add value to your situation. This is your opportunity to interview me, as I get to know you. If we agree to move forward, I’ll schedule our next meeting and request important financial information.
2 – Discovery
We continue the dialogue by fostering an in-depth conversation where I listen carefully to what is important to you. I learn about the values that shape your decisions and identify any special circumstances. I also review the documents you’ve prepared and begin to define your priorities.
3 - Analysis
Here, I review the information collected to ensure the data is accurate as I begin to prepare your wealth plan. I also discuss important investment concepts and provide details on my investment philosophy.
4 - Strategy Development
Utilizing my experience, knowledge and specialty resources, I develop a personalized wealth management plan that addresses your financial priorities. I present my recommendations along with key action steps that serve as a guide to implementing your plan.
5 - Inplementation
As we execute your plan, I’ll set up tools to provide convenient access to your accounts. I’ll provide ongoing updates and follow up on key items to ensure your plan is implemented as expected.
6 - Ongoing Service
I apply a strict due diligence process to evaluate investment performance and will set up regular calls to discuss progress towards your goals. In these discussions, we’ll determine if any adjustments are needed, since personal goals and market conditions can change over time.
Giving Back
Originally from Tinton Falls, New Jersey, I am a long-time resident of Mendham, where I live with my wife, Carole, and where we raised our three grown children.
With deep roots in my community and a deeper commitment to sustaining its character for future generations, I serve a number of important organizations that include:
- National Eagle Scout Association, Lifetime Member
- Mendham High School Football Booster Club, Former President
- Pastime Club of Mendham, a civic organization that supports youth sports
- American Cancer Society, Long-time supporter and volunteer
- Somerset Hills Visiting Nurse Association, Volunteer
- Somerset Hills YMCA, Volunteer, Finance Committee Member, Investment Committee Chair
- Boston College Club of New Jersey, Member
- Financial Planning Association’s pro-bono program for those affected by 9/11, Participant
- Morgan Stanley Portfolio Management Institute, Former President, Current Board Member
Morgan Stanley’s culture of global citizenship is something I embrace locally by leveraging our global resources in the communities where we do business. The firm invests in children’s health initiatives along with education, diversity and cultural programs that better our people and society.
I am proud to be a member of the Morgan Stanley family for the past 35+ years and carry on the firm’s 80+ year tradition.
With deep roots in my community and a deeper commitment to sustaining its character for future generations, I serve a number of important organizations that include:
- National Eagle Scout Association, Lifetime Member
- Mendham High School Football Booster Club, Former President
- Pastime Club of Mendham, a civic organization that supports youth sports
- American Cancer Society, Long-time supporter and volunteer
- Somerset Hills Visiting Nurse Association, Volunteer
- Somerset Hills YMCA, Volunteer, Finance Committee Member, Investment Committee Chair
- Boston College Club of New Jersey, Member
- Financial Planning Association’s pro-bono program for those affected by 9/11, Participant
- Morgan Stanley Portfolio Management Institute, Former President, Current Board Member
Morgan Stanley’s culture of global citizenship is something I embrace locally by leveraging our global resources in the communities where we do business. The firm invests in children’s health initiatives along with education, diversity and cultural programs that better our people and society.
I am proud to be a member of the Morgan Stanley family for the past 35+ years and carry on the firm’s 80+ year tradition.
Experience
I bring a lifetime of experience to my role as a wealth management professional. Upon graduating from Boston College with a degree in Accounting, I sought a career that would bring my interest and aptitude for finance together with my desire to make a real difference in people’s lives. I joined the Morgan Stanley family in 1983 and have proudly served as a financial advisor ever since.
Throughout my career, I have been committed to ongoing education for myself and my clients. I earned my CFP® designation from the Certified Financial Planner Board of Standards and my Chartered Financial Consultant® designation from the American College. I also achieved the following designations at Morgan Stanley: Family Wealth director, Wealth Advisor, Executive Financial Services Director, Senior Investment Management Consultant and Portfolio Management Director. Each certification provides access to exclusive resources across the firm. I am also a member of the firm’s Portfolio Management Institute, a group of top advisors who actively utilize Morgan Stanley’s Portfolio Management program. I currently serve as the Institute’s treasurer.
Today, I am honored to work with an exceptional group of clients. I come to work each day focused on guiding them through the market’s ups and downs, helping them maintain the discipline required to achieve their long-term goals in any market environment.
As the proud father of three grown children, family is very important to me, as it is to my clients. I also believe in giving back. I am a lifetime member of the National Eagle Scout Association, a member of the Pastime Club of Mendham, a volunteer at the Somerset Hills Visiting Nurse Association and have served on several committees of the Somerset Hills YMCA. I am a past president of the Mendham H.S. Football Booster Club and participate in the Financial Planning Association’s pro-bono program for those affected by 9/11. Outside the office, I like to golf, travel and spend time with my wife, Carole, and my family.
Throughout my career, I have been committed to ongoing education for myself and my clients. I earned my CFP® designation from the Certified Financial Planner Board of Standards and my Chartered Financial Consultant® designation from the American College. I also achieved the following designations at Morgan Stanley: Family Wealth director, Wealth Advisor, Executive Financial Services Director, Senior Investment Management Consultant and Portfolio Management Director. Each certification provides access to exclusive resources across the firm. I am also a member of the firm’s Portfolio Management Institute, a group of top advisors who actively utilize Morgan Stanley’s Portfolio Management program. I currently serve as the Institute’s treasurer.
Today, I am honored to work with an exceptional group of clients. I come to work each day focused on guiding them through the market’s ups and downs, helping them maintain the discipline required to achieve their long-term goals in any market environment.
As the proud father of three grown children, family is very important to me, as it is to my clients. I also believe in giving back. I am a lifetime member of the National Eagle Scout Association, a member of the Pastime Club of Mendham, a volunteer at the Somerset Hills Visiting Nurse Association and have served on several committees of the Somerset Hills YMCA. I am a past president of the Mendham H.S. Football Booster Club and participate in the Financial Planning Association’s pro-bono program for those affected by 9/11. Outside the office, I like to golf, travel and spend time with my wife, Carole, and my family.
Location
340 Mount Kemble Avenue
Morristown, NJ 07960
US
Direct:
(973) 425-2306(973) 425-2306
Toll-Free:
(800) 755-4253(800) 755-4253
Fax:
(862) 703-3863(862) 703-3863
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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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
Article Image
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 Stephen J Brady 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 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
2Morgan 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.
3Morgan 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
5Morgan 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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 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.
8The 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.
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 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
2Morgan 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.
3Morgan 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
5Morgan 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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 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.
8The 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.
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)
