Steven Colli, CFP®, CRC®
Senior Vice President, Wealth Management,
Financial Advisor
Direct:
(973) 425-3870(973) 425-3870
Toll-Free:
(800) 755-4253(800) 755-4253
My Mission Statement
Helping clients like you achieve all of your retirement and investing goals
Welcome
Steven Colli is a seasoned financial advisor with over 25 years of experience in the industry. He began his career on Wall Street before transitioning to the banking industry in 2002, where he obtained his Certified Financial Planner (CFP®) certification from Fairleigh Dickinson University, and in 2008, he became a Certified Retirement Counselor (CRC®) from The International Foundation for Retirement Education.
In 2011, Steven joined Morgan Stanley as a financial advisor in Morristown, NJ. He is FINRA registered and holds Series 7, 10, 24, 63, 65 and SIE licenses, and is licensed in 12 states. He specializes in creating financial plans for individuals, families, and businesses. He takes great pride in his ability to help his clients achieve their financial goals through effective planning and management of their assets.
Steven was born and raised in Yonkers, New York, where he went to Sacred Heart Grade and High School. He attended Fordham University and earned a BS in Psychology. He also took graduate classes from The Wharton School, which has provided him with even more knowledge and experience to draw upon when helping his clients. He has been living in New Jersey for over 25 years, and currently resides in Denville NJ with his wife, Michele, who is a Special Education Teacher, and his 3 children Nicholas, Brooke and Brianna. He also has an English bulldog named Bubba.
Outside of work, Steven enjoys spending time with his family, going to the gym, reading, and taking long motorcycle trips. Notable taking long trips to Niagara Falls, Lake George, and Canada. He is also an active member in his community, through Morgan Stanley Volunteers, where he volunteers at the local soup kitchen, food pantry, and The Seeing Eye. He is committed to not only improving his client's financial well-being, but also making a positive impact on his community.
The pride Steven has in his community, is expressed in his business for his clients as well. Building long lasting relationships and helping individuals and their families through challenging market conditions and guiding them on the right financial path.
In 2011, Steven joined Morgan Stanley as a financial advisor in Morristown, NJ. He is FINRA registered and holds Series 7, 10, 24, 63, 65 and SIE licenses, and is licensed in 12 states. He specializes in creating financial plans for individuals, families, and businesses. He takes great pride in his ability to help his clients achieve their financial goals through effective planning and management of their assets.
Steven was born and raised in Yonkers, New York, where he went to Sacred Heart Grade and High School. He attended Fordham University and earned a BS in Psychology. He also took graduate classes from The Wharton School, which has provided him with even more knowledge and experience to draw upon when helping his clients. He has been living in New Jersey for over 25 years, and currently resides in Denville NJ with his wife, Michele, who is a Special Education Teacher, and his 3 children Nicholas, Brooke and Brianna. He also has an English bulldog named Bubba.
Outside of work, Steven enjoys spending time with his family, going to the gym, reading, and taking long motorcycle trips. Notable taking long trips to Niagara Falls, Lake George, and Canada. He is also an active member in his community, through Morgan Stanley Volunteers, where he volunteers at the local soup kitchen, food pantry, and The Seeing Eye. He is committed to not only improving his client's financial well-being, but also making a positive impact on his community.
The pride Steven has in his community, is expressed in his business for his clients as well. Building long lasting relationships and helping individuals and their families through challenging market conditions and guiding them on the right financial path.
Services Include
- Life InsuranceFootnote1
- Long Term Care InsuranceFootnote2
- 401(k) Rollovers
- 529 PlansFootnote3
- AnnuitiesFootnote4
- Asset Management
- Cash ManagementFootnote5
- Certificates of DepositFootnote6
- Divorce Financial AnalysisFootnote7
- Exchange Traded FundsFootnote8
- Executive Benefit ServicesFootnote9
- Executive Financial ServicesFootnote10
- Financial PlanningFootnote11
Securities Agent: CT, OH, PA, MD, CA, TX, OR, NC, FL, DE, NJ, CO, SC, AZ, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 1255411
NMLS#: 1255411
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Education, Experience and Certifications
Below you will find an overview of my current and past experiences and education, as well as my certifications and licenses that I hold.
Certifications & Licenses
Certified Financial Planner (CFP®)
Certified Retirement Counselor (CRC®)
Series 7 - General Securities Representative
Series 24 - General Securities Principal Exam
Series 63 - Uniform Securities Agent State Law Exam
Series 65 - Investment Advisers Law Exam
Certified Retirement Counselor (CRC®)
Series 7 - General Securities Representative
Series 24 - General Securities Principal Exam
Series 63 - Uniform Securities Agent State Law Exam
Series 65 - Investment Advisers Law Exam
Work Experience
Morgan Stanley
2011 - Present: Senior Vice President, Financial Advisor
Wells Fargo Advisors
2007 - 2011: Financial Advisor
Banc of America Investment Svc
2004 - 2007: Financial Advisor
Quick & Reilly
2001 - 2004: Financial Advisor
Summit Financial Services Group Inc.
1999 - 2001: Financial Advisor
2011 - Present: Senior Vice President, Financial Advisor
Wells Fargo Advisors
2007 - 2011: Financial Advisor
Banc of America Investment Svc
2004 - 2007: Financial Advisor
Quick & Reilly
2001 - 2004: Financial Advisor
Summit Financial Services Group Inc.
1999 - 2001: Financial Advisor
Education
Fordham University Class of 1992
Fairleigh Dickinson University, Certified Financial Planner® Program, 2001
The International Foundation for Retirement Education (InFRE), Certified Retirement Counselor®, 2008
The Wharton School: Strategic Value of Customer Relationships Program, 2014
Fairleigh Dickinson University, Certified Financial Planner® Program, 2001
The International Foundation for Retirement Education (InFRE), Certified Retirement Counselor®, 2008
The Wharton School: Strategic Value of Customer Relationships Program, 2014
Valuable Tools and Resources
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the many technologies we have to offer our clients. I have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Goals Based Planning
Working with me, pair with our technology, is a great way to access advice and build a wealth plan tailored to your needs. Read more about the advantages of working with your goals planning system.
Learn More
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Learn More
Total Wealth View
Gain a complete financial picture with Total Wealth View. By linking your outside account information, you can have a holistic financial plan aimed at achieving your short and long term goals.
Learn More
On the Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy, and more.
Learn More
Morgan Stanley Online
Your investments and everyday finances are always a few clicks away with Morgan Stanley Online and the Morgan Stanley Mobile App.
Learn More
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology, and beyond.
Learn More
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More
What Should I Do With My Money Podcast
On this podcast, hosted by Morgan Stanley Wealth Management's Jamie Roô, real people receive expert financial advice from experienced advisors. Topics include timing for buying a house, saving for college, estate and retirement planning, and more. Check out the latest episode to hear real stories and the difference a financial advisor can make.
Listen HereBANKING & LENDING PRODUCTS
Morgan Stanley has a variety of Cash Management and Lending Solutions designed to help meet your distinct needs. These needs could include: obtaining a Tailored Lending Facility, Liquidity Access Line, Home Loans, and more. Check out the options below and connect with us to learn more.
4.00% Annual Percentage Yield Preferred Savings
Take advantage of our Preferred Savings Program for Qualifying Cash offer with flexible options and more ways to save.
Learn More About Preferred Savings
CashPlus
The CashPlus Brokerage Account is a modern alternative to banking which also offers complimentary Identity and Credit Protection from Experian®, helping to safeguard your identity and financial future.
Learn More About CashPlus
Home Loans
Potential new homeowners are facing different challenges than the generation before them. To make matters worse, high inflation and rising rental prices are making it harder to save for a down payment. Morgan Stanley Clients, if eligible, have options for reduced home loan rates.
Learn More About Home Loans
Spending & Budgeting Tool
As a Morgan Stanley client, you have access to Spending and Budgeting tools to help manage your cash flow across all of your accounts at Morgan Stanley, as well as those held at outside financial institutions. These tools, available on Morgan Stanley Online and the Morgan Stanley Mobile App, allow you to track spending patterns using cash flow, income and expense analysis.
Learn More About the Spending & Budgeting Tool
Liquidity Access Line
As rates rise, we’re here to help with potential financing options for virtually any of your personal or business goals. One option would be a Liquidity Access Line, which is a securities based line of credit that uses the eligible securities in your Morgan Stanley brokerage account as collateral without disrupting your long-term investment strategy. LAL can be used to finance:
Real estate purchases
Home renovations
Business needs
Tax payments
Learn More About LALReal estate purchases
Home renovations
Business needs
Tax payments
Research and Insights
I want to provide you with the most recent, timely and important information so you can feel informed and educated during these difficult times. I will be periodically updating these links in order to keep the most important information top of mind.
2024 in Review: Elections, Interest Rates and Market Volatility
In a monumental year for markets, Morgan Stanley looks back at some of 2024's most compelling stories and how they laid the groundwork for what's to come in 2025.
View Reports
2024 Election Updates
Get the latest from Morgan Stanley experts with our perspective on developments in U.S. and global elections.
Learn More
529 Plans: A Powerful Tool to Save for Education
Did you know May 29th is National 529 Day? 529 plans may be a great way to help pay for you or your loved one's education. Let's connect to discuss how we can plan for funding this important life expense.
Learn More
Cash Is No Longer King
After the most extreme period of interest rate increases in more than 40 years, we are approaching a reversal from the Federal Reserve. Market expectations and Fed projections are showing clear indications of significant cuts to the overnight rate in 2024. The timing of the first rate cut is uncertain.
Learn More
Peak CD Rates Don’t Always Result in Peak Performance
In 2022, the Federal Reserve began aggressively raising interest rates and has continued to do so in 2023, albeit at a much more measured pace. This has helped many certificate of deposits (CDs) increase their interest rates to levels not seen in well over a decade. However, while investing in CDs at peak rates might seem like a sound strategy, in the past it hasn’t always translated into the best outcome for investors.
Learn More
How Insurance Can Help with Retirement Planning
Insurance isn’t just for supporting dependents if something happens to you. It can also be part of a long-term retirement strategy.
Learn More
Are You Prepared for Tax Day?
The countdown to Tax Day has begun. Here are some strategies to consider as the deadline approaches.
Learn More
U.S. Housing: The Impact of High Mortgage Rates
With mortgage rates at a 20-year high, housing affordability may deteriorate to levels not seen in decades.
Listen Here
Ai and Cybersecurity: A New Era
The battle between cybercriminals and cybersecurity teams has extended to the world of AI. Learn how to protect yourself.
View Article
6 Ways to Reduce Your Tax Bill
Your federal income-tax return may not be top-of-mind once tax season has passed, but you may want to take another look at it. Your IRS Form 1040 tax return may reveal important information about your personal finances—and shed light on valuable opportunities for future savings.
Learn MoreLocation
340 Mount Kemble Avenue
Morristown, NJ 07960
US
Direct:
(973) 425-3870(973) 425-3870
Toll-Free:
(800) 755-4253(800) 755-4253
Fax:
(973) 200-1273(973) 200-1273
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
Article Image
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
Ready to start a conversation? Contact Steven Colli 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.
1Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
2Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
4Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
6Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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.
8An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
9When 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.
10Morgan 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.
11Morgan 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.
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
1Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
2Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
4Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
6Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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.
8An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
9When 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.
10Morgan 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.
11Morgan 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.
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)
