Phone:
(650) 853-4022(650) 853-4022
SV Palo Alto Group at Morgan Stanley
Our Mission Statement
We help our clients build, manage and protect their wealth so they can achieve financial confidence.
Our Story
We strive to provide financial confidence for our clients so they can focus their time on what matter most to them. Our core six-person team has over 75 years of combined investment management experience and we provide high touch service that exceeds expectations. Execution is paramount – we do what we say will do.
We combine our own experience and network, the global resources of Morgan Stanley and the lessons learned from working with many successful families to provide holistic wealth management services for a small group of individuals, families, and institutions. We help structure, implement, and manage wealth for sophisticated investors, their families, and their philanthropic entities.
Our clients are individuals and families, corporate executives, private equity and venture capital professionals, entrepreneurs, and family offices. We focus on tax efficient investing and our strategies always begin with a financial plan.
We help our clients manage their concentrated equity positions, equity compensation, tax and estate planning strategies, philanthropic goals, and their risk management needs.
Awards & Recognition:
SV Palo Alto Grop: 2021-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Last Awarded Jan 2025) Data compiled by SHOOK Research LLC based on time period from 3/31/20 - 3/31/24.
Jesse Zimmer: 2021-2025 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Last Awarded Apr 2025) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/24.
Diclosure: https://www.morganstanley.com/disclosures/awards-disclosure.html
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Equity Compensation
The decisions you make around your company stock and options are among the most important financial decisions you will ever make. The process can be complicated, and you may be faced with questions such as:
• What type of stock and options do I have with my company?
• How do I maximize the value of my equity compensation?
• What are the tax implications of my company stock and options?
• What happens if I leave the company for a new job? Or I retire?
• How can I turn my company equity into something that brings me joy?
• What type of stock and options do I have with my company?
• How do I maximize the value of my equity compensation?
• What are the tax implications of my company stock and options?
• What happens if I leave the company for a new job? Or I retire?
• How can I turn my company equity into something that brings me joy?
How We Could Help?
We help you understand what you have and present you with insight and analysis to educate and empower each of your financial decisions. We cover all aspects of stock plans, non-qualified stock options (NQSO), incentive stock options (ISO), restricted stock and restricted stock units (RSU)—as well as the tax implications and intricacies associated with each. The depth of our knowledge and experience in this area has helped pave the way to our becoming one of the leading reinvestment stock plan teams at Morgan Stanley.
Understand Your Equity Award Plan
Understanding Equity Compensation
This article explains restricted stock, stock options, gift options, and more. If you wish to discuss issues specific to your equity compensation, including strategies to diversify a concentrated positions, please speak to your wealth advisor.
Understanding Equity Compensation
Stock and Stock Options
Executives today are increasingly compensated with stock or stock options. It is critical that an executive understand the risk of investing financial assets and the potential reward of preferential income tax treatment. The following is a general overview of some of the basic rules applicable to stock and stock options.
Understanding Stock and Stock Options
Equity Award Analysis Page from Morgan Stanley
Your equity awards are your company's way of recognizing you for a job well done—and they can also play an important role in helping you achieve your financial goals. As a benefit of your company stock plan, you have access to our exclusive Equity Award Analysis to help you gain a deeper understanding of the full value of your equity awards.
Equity Award Analysis - Morgan Stanley at WorkWho We Serve
We work with a broad range of clients and industry professionals who value and respect our years of experience and collaborative approach. These are just some of the types of clients we serve, each with their own unique situations that require a thoughtful, holistic approach.
Individuals and Families
We enjoy serving the needs of individuals and their families who have accumulated a higher level of wealth or who have experienced a significant life event, such as the transitioning to retirement, selling a business, or losing a spouse. These events require seasoned advisors who understand the complexities of these special situations and have the insights to achieve results.
Equity Compensation
As your career evolves so will your compensation structure. We can provide a variety of services and resources that will help you manage your equity compensation and integrate that compensation into a broader financial plan. Whether it be shorter-term liquidity or long-term diversification, we work alongside you to leverage your equity compensation to enhance your overall financial picture.
Multi-Generational and the Next Generation
Helping families navigate complex financial decisions and develop a plan to achieve their financial goals is something we pride ourselves on. We will provide guidance on topics such as debt management, retirement planning, investment strategies, tax planning, and estate planning strategies.
We also take pride in helping the next generation in starting off on the right foot in managing their own finances. If you are just starting to build your own wealth, or want to engage with your families current financial advisors, we are here to help you along the way.
We also take pride in helping the next generation in starting off on the right foot in managing their own finances. If you are just starting to build your own wealth, or want to engage with your families current financial advisors, we are here to help you along the way.
Entrepreneurs
We play an important role in helping business owners manage their finances and make strategic decisions. We can provide guidance on topics such as cash flow management, investment strategies, risk management, and tax planning strategies. We can help business owners navigate complex financial regulations and provide advice on financial issues that may arise during the life cycle of the business. By working with us, business owners can make informed decisions and better position their business for long-term success.
Corporate Executives
Understanding your goals is an important part of our relationship. We provide valuable guidance to corporate executives in developing a comprehensive financial plan to help achieve your short - and long-term goals. As a team we offer advice on topics such as budgeting, debt management, retirement planning, investment strategies, and tax planning strategies. We help you navigate major life changes such as starting a family, buying a home, or changing careers. Our goal is to help you make informed decisions and take control of your financial future.
Family Office & Institutional Clients
When working with Family Offices and Institutions we focus on understanding your financial goals, risk tolerance and investment preferences. We will help you develop tailored investment strategies that may included asset allocation, portfolio diversification and risk management. We commit to long-term financial success by developing a deep understanding of your unique needs and objectives.
Focused specifically on the needs of entrepreneurs, executives, families and family offices, we help you protect and grow your assets, enhance your lifestyle and create an enduring legacy.
Location
245 Lytton Avenue
Suite 200
Palo Alto, CA 94301
US
Direct:
(650) 328-8080(650) 328-8080
Meet SV Palo Alto Group
Phone:
(650) 687-2106(650) 687-2106
Jake Kamine
Financial Advisor, Financial Planning Specialist
Phone:
(650) 853-4033(650) 853-4033
Ricardo Santamaria
Financial Advisor
Phone:
(650) 687-2112(650) 687-2112
Irene Carter
Wealth Management Associate
Phone:
(650) 838-4212(650) 838-4212
Andrew Wang
Registered Client Services Associate
Phone:
(650) 853-4027(650) 853-4027
About Jesse Zimmer
Jesse designs and implements customized wealth management programs for high-net-worth individuals and has 28 years of investment research and management experience. Jesse is a member of Morgan Stanley’s President’s Club and was named on the 2022-2024 Forbes List of Best-in-State Wealth Advisors. He previously was a Senior Vice President at Wells Fargo’s Private Bank where he worked for 10 years providing investment consulting services and managing investment portfolios for affluent clients of the bank. He managed over $300 million of assets, was a 4-time Concord Elite member and was in the top 1% of all advisors at the firm. He began his career at the Fremont Group, an investment company with $12 billion under management where he performed investment research into companies, industries and regions for the president and managing directors of the firm.
Jesse earned a BA in economics from Occidental College and an MBA in finance from the University of Texas at Austin. He is a Chartered Financial Analyst and member of the CFA Society of San Francisco as well as a CPWA. Jesse spent many years volunteering his time coaching Little League baseball and AYSO soccer. He was on the Board of Hillsborough Little League, the Finance Committee for the Burlingame Community Education Foundation and the Investment Committee for Peninsula Temple Shalom.
Jesse has been married for over twenty years and has two children. He enjoys golf, traveling and enjoying good food and wine with family and friends.
Awards Disclosures:
2021-2024 Forbes Americas Top Wealth Management Teams
Source: Forbes.com (Last Awarded Jan 2024) Data compiled by SHOOK Research LLC based on time period from 3/31/20 – 3/31/23.
2021-2023 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Last Awarded Feb 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/22.
Jesse earned a BA in economics from Occidental College and an MBA in finance from the University of Texas at Austin. He is a Chartered Financial Analyst and member of the CFA Society of San Francisco as well as a CPWA. Jesse spent many years volunteering his time coaching Little League baseball and AYSO soccer. He was on the Board of Hillsborough Little League, the Finance Committee for the Burlingame Community Education Foundation and the Investment Committee for Peninsula Temple Shalom.
Jesse has been married for over twenty years and has two children. He enjoys golf, traveling and enjoying good food and wine with family and friends.
Awards Disclosures:
2021-2024 Forbes Americas Top Wealth Management Teams
Source: Forbes.com (Last Awarded Jan 2024) Data compiled by SHOOK Research LLC based on time period from 3/31/20 – 3/31/23.
2021-2023 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Last Awarded Feb 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/22.
Securities Agent: MA, FL, SC, NY, MN, ID, OR, CO, NJ, MI, DC, KY, TX, IL, CT, AZ, UT, NV, MO, OK, MD, VT, IA, HI, WA, PA, CA, VA, OH, NC, IN, GA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1288176
CA Insurance License #: 0C50804
NMLS#: 1288176
CA Insurance License #: 0C50804
About Neil O'Connor
Securities Agent: NC, DC, CO, PA, KY, CA, OR, ID, IA, HI, OK, IN, GA, VA, MO, MI, VT, UT, FL, DE, AZ, SC, MA, IL, TX, NY, NV, MD, WA, NM, NJ, MN, CT, AR, OH; General Securities Representative; Investment Advisor Representative
NMLS#: 1588783
NMLS#: 1588783
About Jake Kamine
Jacob joined Morgan Stanley in 2020 and currently holds Series 7 & 66 licenses. He started in the financial industry with Merrill Lynch in 2018. Jacob is from Fresno, Ca where he grew up working on a family farm before moving to the Bay Area. He graduated from Menlo College and was a part of the school’s wrestling team. Outside of the office, he is a fitness enthusiast and enjoys a wide range of outdoor hobbies. He is also a Private Pilot and enjoys flying each week.
Securities Agent: MS, NE, NH, NJ, PR, RI, SD, TN, VI, WI, WV, KS, DC, AR, AK, AL, MT, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KY, MA, MD, ME, MI, MN, NC, ND, NM, NV, NY, OH, OK, OR, PA, SC, TX, UT, VA, VT, WA, WY, LA, MO; General Securities Representative; Investment Advisor Representative
About Ricardo Santamaria
Ricardo Santamaria has over 20 years of Financial Services experience. For the past four and half years he was Wealth Management Sales and Business Development Manager at BMO/Bank of the West. Prior to that, he spent nearly 18 years at Smith Barney/Morgan Stanley. While at Morgan Stanley, he worked with the Mark Curtis Group as Business Development Director. Ricardo has had the privilege to speak at many Investment Industry events hosted by Morgan Stanley, Barrons, IMCA and S&P Global discussing topics from portfolio construction to business development. Ricardo on his free time loves to play basketball, collect sports cards/memorabilia and spend time with his family. Ricardo lives in Mountain View with his spouse and four children.
Securities Agent: GA, KS, WA, OR, MA, CT, PA, OK, NY, CO, UT, SC, FL, DC, MD, IL, MN, MI, KY, IN, ID, OH, AZ, VT, NV, MO, IA, HI, CA, VA, TX, NJ, DE, WI, NC; General Securities Representative; Investment Advisor Representative
About Irene Carter
Irene joined Morgan Stanley in 2008 and she focuses on Client Service. She has Series 7, 66, 31 licenses. She has over 30 years’ experience in the financial industry starting at Merrill Lynch in 1985. Irene was born in Manila, raised in the Islands of Cebu and speaks fluent Tagalog and Cebuano. When not at work, she loves spending time with her 3 children and 4 grandchildren. She enjoys hiking and leads hikes with a local group of hikers in the bay area.
About Andrew Wang
Andrew Wang began his career at Morgan Stanley in October of 2022 after a multitude of internships in Technology, Private Banking, and in Wealth Management.
Andrew studied Statistics and Data Science at UC Santa Barbara, where he learned complex probability analysis and became well-versed in quantitative risk-management. He then furthered his education by obtaining a Masters in Finances from UC Irvine. Through his master's program, Andrew led an immense and in-depth Capstone Project in his final year. He researched the macro-economic trends of Southern California and studied under Philippe Jorion who invented the VAR model (Value-at-Risk).
In his free time, Andrew is an avid cyclist. He also enjoys collecting rare watches and has begun a nice collection.
Andrew studied Statistics and Data Science at UC Santa Barbara, where he learned complex probability analysis and became well-versed in quantitative risk-management. He then furthered his education by obtaining a Masters in Finances from UC Irvine. Through his master's program, Andrew led an immense and in-depth Capstone Project in his final year. He researched the macro-economic trends of Southern California and studied under Philippe Jorion who invented the VAR model (Value-at-Risk).
In his free time, Andrew is an avid cyclist. He also enjoys collecting rare watches and has begun a nice collection.
Contact Jesse Zimmer
Contact Neil O'Connor
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Ryan Brown
Senior Private Banker
About Ryan Brown
Ryan Brown is a Senior Private Banker serving Morgan Stanley Wealth Management offices in California.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, while leveraging our comprehensive suite of cash management and lending solutions.
Ryan began his career in financial services in 2006, and joined Morgan Stanley in 2011 as an Associate Private Banker. Prior to joining the firm, he was a Licensed Premier Banker at Wells Fargo Bank, N.A.
Ryan is a graduate of the University of California at Irvine, where he received a Bachelor of Arts in International Studies and a minor in Management. He lives in Half Moon Bay, California with his family. Outside of the office, Ryan enjoys playing golf, road and mountain biking, and spending time with friends and family. He also volunteers his time as a youth sports coach and at several non-profit organizations.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, while leveraging our comprehensive suite of cash management and lending solutions.
Ryan began his career in financial services in 2006, and joined Morgan Stanley in 2011 as an Associate Private Banker. Prior to joining the firm, he was a Licensed Premier Banker at Wells Fargo Bank, N.A.
Ryan is a graduate of the University of California at Irvine, where he received a Bachelor of Arts in International Studies and a minor in Management. He lives in Half Moon Bay, California with his family. Outside of the office, Ryan enjoys playing golf, road and mountain biking, and spending time with friends and family. He also volunteers his time as a youth sports coach and at several non-profit organizations.
NMLS#: 465566
Wealth Management
Global Investment Office
Portfolio Insights
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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
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
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 SV Palo Alto Group today.
1When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Investors 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.
3Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
4Morgan 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.
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 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.
7Municipal 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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Investors 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.
3Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
4Morgan 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.
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 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.
7Municipal 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)
