Suzanne Balian, CFP®, CRPC®
First Vice President, Wealth Management,
Financial Advisor,
Family Wealth Advisor,
Portfolio Management Director
Direct:
(973) 425-2316(973) 425-2316
Toll-Free:
(800) 755-4253(800) 755-4253
My Mission Statement
To me, retirement planning means developing a customized plan to include everything that is important to YOU, and not a plan just "modeled" for people like you
My Story and Services
As a Morgan Stanley Financial Advisor, I am committed to helping my clients pursue their retirement goals and financial independence. For me, financial planning is not just about investment advice, it's about helping create a customized plan that evolves with my clients through all the different phases of their lives.
Retirement planning means helping you maintain the financial independence you've worked your whole life to achieve and striving to ensure that you have the resources to pursue what's most important to you. We'll work together to understand your unique goals, values, and circumstances. I will use that understanding to help create a personalized plan that includes everything that is important to you and your family.
My priority is to provide my clients with the tools they need to pursue financial security and stability. With this goal in mind, I have built a successful career dedicated to helping clients grow and preserve their assets, allowing them to spend more time pursuing the things that matter most.
My professional experience began at AT&T where I enjoyed a successful career of over 20 years. I currently volunteer with AT&T Pioneers as the President of the NJ Chapter 139. In 2004, I decided to pursue a career as a Financial Advisor at Merrill Lynch. I then made the transition to Morgan Stanley in 2008, where I have been working with clients for over 14 years.
Outside of the office I dedicate my time volunteering with Lulu Rescue and Rescue Ridge by fostering dogs and conducting pre-adoption home visits. I enjoy spending time at home in Millington NJ with my husband Ben and our rescue dogs. Our son Alex and his family live nearby in Bernardsville, so we get to spend plenty of quality time with our two grandsons, Benny and Chase.
RECOGNITIONS:
2019 NJBIZ Best 50 Women in Business
2013-2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2013-2024) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2024 Award - 3/13/23 - 9/29/23
2023 Award - 3/21/22 - 10/18/22
2022 Award - 4/12/21 - 10/15/21
2021 Award - 3/30/20 - 10/23/20
2020 Award - 3/1/19 - 10/16/19
2019 Award - 3/21/18 - 10/12/18
2018 Award - 2/21/17 - 10/12/17
2017 Award - 2/25/16 - 10/7/16
2016 Award - 4/15/15 - 10/16/15
2015 Award - 4/15/14 - 10/16/14
2014 Award - 4/15/13 - 10/16/13
2013 Award - 4/15/12 - 10/16/12
EDUCATION:
BA - Economics, Fordham University at Lincoln Center
MBA - Finance, Fordham University, Graduate School of Business
Disclosure:
2013 - 2023 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2013 - 2023) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Awards Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure.html
Retirement planning means helping you maintain the financial independence you've worked your whole life to achieve and striving to ensure that you have the resources to pursue what's most important to you. We'll work together to understand your unique goals, values, and circumstances. I will use that understanding to help create a personalized plan that includes everything that is important to you and your family.
My priority is to provide my clients with the tools they need to pursue financial security and stability. With this goal in mind, I have built a successful career dedicated to helping clients grow and preserve their assets, allowing them to spend more time pursuing the things that matter most.
My professional experience began at AT&T where I enjoyed a successful career of over 20 years. I currently volunteer with AT&T Pioneers as the President of the NJ Chapter 139. In 2004, I decided to pursue a career as a Financial Advisor at Merrill Lynch. I then made the transition to Morgan Stanley in 2008, where I have been working with clients for over 14 years.
Outside of the office I dedicate my time volunteering with Lulu Rescue and Rescue Ridge by fostering dogs and conducting pre-adoption home visits. I enjoy spending time at home in Millington NJ with my husband Ben and our rescue dogs. Our son Alex and his family live nearby in Bernardsville, so we get to spend plenty of quality time with our two grandsons, Benny and Chase.
RECOGNITIONS:
2019 NJBIZ Best 50 Women in Business
2013-2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2013-2024) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2024 Award - 3/13/23 - 9/29/23
2023 Award - 3/21/22 - 10/18/22
2022 Award - 4/12/21 - 10/15/21
2021 Award - 3/30/20 - 10/23/20
2020 Award - 3/1/19 - 10/16/19
2019 Award - 3/21/18 - 10/12/18
2018 Award - 2/21/17 - 10/12/17
2017 Award - 2/25/16 - 10/7/16
2016 Award - 4/15/15 - 10/16/15
2015 Award - 4/15/14 - 10/16/14
2014 Award - 4/15/13 - 10/16/13
2013 Award - 4/15/12 - 10/16/12
EDUCATION:
BA - Economics, Fordham University at Lincoln Center
MBA - Finance, Fordham University, Graduate School of Business
Disclosure:
2013 - 2023 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2013 - 2023) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Awards Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure.html
Services Include
Securities Agent: GA, WI, PA, IA, AK, FL, WA, DE, OR, NC, MI, KY, CA, MA, IL, SC, SD, NH, ID, VA, UT, NV, TX, OH, NJ, CO, TN, NY, MO, ME, AZ, DC, MD, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1279143
NMLS#: 1279143
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
My Process & Client Resources
As your life evolves, not only does your financial strategy become more complex, but your options for implementing it increase as well. You and I are a team, and we use a goals-based process that measures success by how you're progressing toward meeting the goals most important to you. This tailored approach enables us to design and implement appropriate strategies to guide you in pursuing and maintaining financial success.
Each component of your financial portfolio can be improved with the help of Morgan Stanley's extensive range of digital resources. See below & take some time to familiarize yourself with some of the various modern wealth management resources that we provide to our clients.
"Far more money has been lost by investors preparing for corrections, or trying to anticipate corrections, than has been lost in corrections themselves." - Peter Lynch
Step 1: Understanding You
We begin with an in-depth conversation to understand all aspects of your financial life — retirement goals, estate planning strategies, family legacy plans and philanthropic aspirations.
Step 2: Analyzing Your Needs
Next, we'll review your current and future financial situation, identify the likelihood of reaching your goals, and help address any potential shortfalls or the impact of unexpected life events. Together, we'll address issues you may have overlooked that could have a significant impact on your plans.
Step 3: Tailoring a Solution for Your Specific Goals
Here, we'll prepare a comprehensive wealth management plan that addresses your individual income and cash flow needs, investment objectives and guidelines, and risk/return parameters.
Step 4: Implementing Your Plan
With guidance, you'll have access to a comprehensive array of strategies, services and programs that work in tandem to help grow, preserve and transfer your wealth, while remaining aligned with your personal goals and aspirations.
Step 5: Monitoring Results Relative to Your Goals
I oversee your progress on a regular basis and review the performance through regular calls and meetings. Together, we decide on adjustments over time, due to changing market conditions or changes in your circumstances, to help keep you on track towards achieving your goals.
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative risk engine used by several of the world's largest institutional asset managers, providing you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios. This helpful tool can assist you in making educated investment decisions with increased confidence.
Morgan Stanley Online & MS Mobile
Your investments and everyday finances right at your fingertips with Morgan Stanley Online and the Morgan Stanley Mobile App. Utilize this helpful tool, which is accessible 24/7, to quickly access your funds and make an investment.
LifeView
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual's financial life, including investments and cash management needs.
Contact me directly if you are interested.
My Clients
My clients are much more than a portfolio of assets – they are families with active lives, who seek a trusted advisor who will provide them with thorough, unbiased and carefully considered guidance on a full range of financial topics. When you work with me, you will be treated with respect, care, confidentiality and a commitment to you and your family.
While each client has a unique personal and professional situation, collectively they all have one thing in common: they are focused on achieving very specific financial goals, some of those goals may include:
- Simplify their financial life
- Plan for an enjoyable retirement
- Manage risk and protect their family wealth for generations
- Address long-term health care needs
- Achieve important philanthropic goals
While each client has a unique personal and professional situation, collectively they all have one thing in common: they are focused on achieving very specific financial goals, some of those goals may include:
- Simplify their financial life
- Plan for an enjoyable retirement
- Manage risk and protect their family wealth for generations
- Address long-term health care needs
- Achieve important philanthropic goals
Clients I Currently Serve
- AT&T employees and retirees
- Real Estate professionals
- Corporate managers / executives in transition seeking to consolidate and develop a customized financial plan for the next chapter of their lives
- Women proactively working to maximize their financial security
- Women attorneys seeking a customized plan for maximizing their financial resources
- Referrals from existing clients
Resources Available to Clients
Each component of your financial portfolio can be improved with the help of Morgan Stanley's extensive range of digital resources. Take some time to familiarize yourself with some of the various modern wealth management resources that we provide to our clients.
Total Wealth View
With Total Wealth View, you can see all of your finances in one spot. By linking your external account information, you will benefit from more informed and developed wealth planning, and convenient connectivity.
Learn More About Total Wealth View
MS Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that rewards clients with over one million dollars in assets and liabilities invested at the firm. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn More About MS Reserved
Wealth & Estate Planning Series
Explore a series of educational videos covering topics such as Foundational Estate Planning Documents, Estate & Gift Taxes, Grantor Retained Annuity Trusts (GRATs), Irrevocable Life Insurance Trusts and more.
Learn MoreMy Passions Outside of the Office
Volunteering outside of the office is a great way to give back to your community and make a positive impact on the lives of others. Here is a highlight of the volunteer work I have been involved in outside of my professional career, and I hope to inspire others to get involved in their own communities as well.
AT&T Pioneers
A group of AT&T employees and retirees dedicated to serving the community. Projects include collecting school supplies for underprivileged children, organizing food collections for local food banks, building wheelchair ramps, knitting lap robes for nursing home residents, and providing aid to natural disaster victims.
Visions and Pathways
An organization that helps at-risk youth recover from abusive relationships, sex trafficking, homelessness, and substance abuse. As a member of their scholarship committee, we provide educational opportunities for these individuals.
Rescue Ridge
Rescue Ridge recues dogs and helps them find loving homes. As a foster parent, I've had the privilege of providing a temporary home for several dogs while they waited to be adopted.
Women's Association of Morristown Medical Center
Their mission is to support MMC in advancing the quality of healthcare in the community.
WAMMC Scholarships are awarded each year to outstanding MMC team members to help further their continuing education, development and leadership skills in the hospital and healthcare field. As a member of their scholarship committee, we select 25 candidates to continue their career in healthcare.
WAMMC Scholarships are awarded each year to outstanding MMC team members to help further their continuing education, development and leadership skills in the hospital and healthcare field. As a member of their scholarship committee, we select 25 candidates to continue their career in healthcare.
Location
340 Mount Kemble Avenue
Morristown, NJ 07960
US
Direct:
(973) 425-2316(973) 425-2316
Toll-Free:
(800) 755-4253(800) 755-4253
Fax:
(973) 425-2366(973) 425-2366
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
A Simple Six-Step Retirement Checkup
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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
Tax-Smart Ways to Sell Securities
How investors can tap their portfolios in tax-savvy ways.
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
529 Plans: A Powerful Tool to Save for Education
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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
Ready to start a conversation? Contact Suzanne Balian today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
5Morgan 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.
6Morgan 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
10Municipal 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
5Morgan 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.
6Morgan 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
10Municipal 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.
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)
