Phone:
(410) 229-8252(410) 229-8252
SY Group at Morgan Stanley
Direct:
(410) 229-8252(410) 229-8252
Our Mission Statement
To help individuals, families, and institutional investors pursue their goals through insightful investment guidance and thoughtful management of their financial assets
Welcome
The SY Group at Morgan Stanley focuses on addressing the investing and fiduciary responsibilities of institutions as well as the wealth management needs of individuals and families. We work closely with our clients to determine their needs so that we can craft customized financial strategies to help them pursue their goals. With boutique-like attentiveness and accessibility and with Morgan Stanley’s broader firm behind us, our team is passionate about helping individual clients achieve financial freedom and helping our institutional clients grow their organization and fulfill their goals and missions.
Above all – We want your money to work as hard for you as you do for it. Contact us today to discuss if our partnership is the right fit.
Above all – We want your money to work as hard for you as you do for it. Contact us today to discuss if our partnership is the right fit.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Professional Portfolio ManagementFootnote3
- Endowments and FoundationsFootnote4
- Corporate Investment SolutionsFootnote5
- Corporate Retirement PlansFootnote6
- Retirement PlanningFootnote7
- Executive Financial ServicesFootnote8
- Institutional ServicesFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Approach
Getting to Know You
Investing the time to learn about you and your family; your assets and liabilities and the risk exposures, enables us to formulate strategies and customize the relationship to your needs.
Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate tax circumstances to identify and tailor planning techniques that may be used to address your objectives.
Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities and taxation across multiple entities, while integrating your investing and estate plans.
Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions. Before making adjustments, we analyze the impact of taxes and trading costs on potential returns.
Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across multiple market scenarios, strategies are chosen from our expansive investment platform.
Ongoing Assessment
In coordination with your other advisors, we can conduct ongoing reviews and comprehensive reporting to ensure that your strategy adapts to changing financial and family needs.
Investment Consulting for Institutions
At the SY Group at Morgan Stanley, we help non-profits, endowments, charities, and other institutions with their fund-raising and capital campaign efforts and organizational management.
Understanding Your Mission
We understand the challenges that arise when funding missions in a tumultuous financial climate. We offer you insight, guidance, and white glove service to help develop and execute strategies focused on what matters most.
Investment Solutions
We provide your organization with access to Morgan Stanley’s broad suite of insights and potential investment solutions. Paired with our boutique-like client experience, we work with your CFO, board of directors, and investment committee to develop and implement an investment strategy tailored to your missions.
Retirement Plan Consulting
We provide plan solutions that are aligned with your organization’s objectives and help employees pursue their financial goals and maintain financial wellness.
For Plan Sponsors
We help you provide a strong, compliant program that thoughtfully engages your employees.
Resources
Morgan Stanley Portfolio Solutions
Portfolios that harness Morgan Stanley's industry-leading advice, resources and risk management—calibrated to your specific goals.
Global Investment Office
The Morgan Stanley Global Investment Office provides you with world-class thought leadership timely market commentary, and portfolio ideas to help guide your investment decisions.
Morgan Stanley Portfolio Insights
Morgan Stanley Investment Management
Our goal at Morgan Stanley is to provide outstanding long-term performance to a diverse client base. With a comprehensive suite of solutions and services, we are dedicated to helping our clients achieve their investment goals.
Morgan Stanley Investment Management | What We Do
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Contact us directly to learn more about our process and see if we’re a good fit.
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Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
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Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
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With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
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On this podcast, we match real people, asking real questions about their money, with experienced Financial Advisors.
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Securely access your Morgan Stanley account from virtually anywhere. Simply download it on your mobile device and use your Morgan Stanley Online username and password to log in. From there you will have the resources of MSO on the go.
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303 International Circle
Suite 500
Hunt Valley, MD 21030
US
Direct:
(410) 229-8252(410) 229-8252
Meet SY Group
Phone:
(410) 229-8256(410) 229-8256
Vice President, Financial Advisor, Senior Institutional Consultant, Portfolio Manager
Phone:
(410) 736-5369(410) 736-5369
About Me
With over 31 years of experience, Steve is dedicated to providing clients with the best individually-tailored strategies available. His passion is to build enduring client relationships through outstanding guidance & service. He advises clients on wealth accumulation, preservation, and transfer through the creation of individually-customized wealth management plans. He focuses on investment portfolio development/implementation, liability management, tax efficiency planning, & asset preservation. He puts emphasis on ensuring clients have sufficient income for long/comfortable retirements. Steve works with businesses & charitable organizations by providing cash management services/strategies, retirement plan services, & endowment fund investment management. He manages assets for several highly-regarded & easily-recognizable charities. He has enjoyed great success in the highly specialized area of board-controlled/fiduciary-responsible asset management. He volunteers his time as a soccer, football, & lacrosse coach/administrator in the Baltimore area & has been active in his church & community. He is a former President of his US Naval Academy Class (1984), a past Board Member to that institution's Alumni Association & a former member of their Joint Investment Committee. Steve holds a Masters Degree in Business Management along w/ his undergraduate Bachelor of Science degree from the US Naval Academy, and he graduated from Wharton Business School’s Executive Education course in 2001. After making Commander (O-5) as a Pilot in the Navy, he retired in 2000. Steve’s a Senior Vice President; Senior Financial Advisor with Morgan Stanley. He's married w/ 4 children, & has lived & worked in Towson/Hunt Valley, MD as a FA since 1992.
Securities Agent: CO, ME, GA, AR, OK, NY, NC, MS, CT, CA, WA, VA, FL, DC, TX, OH, NJ, MA, AZ, WV, LA, HI, VT, MD, SC, PA, IL, NM, MT, MN, MI, DE, UT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 532968
NMLS#: 532968
About Me
Raymond Sheedy is a Vice President and Financial Advisor with SY Group at Morgan Stanley. With his clients, Ray focuses on 3 core areas. First is Financial Planning, which includes running retirement projections based on current financial condition and future planned savings or spending, being as tax efficient as possible, estate planning, insurance needs analysis, and other focuses. Second is Investment Management wherein he strives to filter down the investment universe and build portfolios that are well aligned with client goals and risk and give them a high probability of success with their investment program during both good and bad investment environments. Third is client service - Ray takes pride in his team's proactiveness and responsiveness to clients, providing a consistent and high level of service.
"I like thinking about long-term investment success and building wealth overtime… I really enjoy building a financial plan that clients can put into action today that allows them to create wealth for themselves and their family while living a lifestyle they desire."
Ray started in the industry in the fall of 2007 at Citi Smith Barney. He moved to Merrill Lynch in spring of 2009 and spent the next 14 years there, ultimately moving to Morgan Stanley in December 2023. Ray attended University of North Carolina at Charlotte where he studied Finance. While there, Ray was an avid golfer, ranking in the top 20 of all collegiate D1 golfers nationwide during his junior year and winning the A10 Student Athlete of the Year in 2006. Ray also holds his CERTIFIED FINANCIAL PLANNER™ (CFP®) and Qualified Plan Financial Consultant (QPFC) designations, accolades denoting experience in financial planning and working with institutional retirement plans respectively.
Ray resides in York County, PA with his wife, Kelly, and four daughters. Outside of the office, Ray enjoys continuing to golf and reading. In addition, he can regularly be found coaching his kids' soccer and basketball games.
"I like thinking about long-term investment success and building wealth overtime… I really enjoy building a financial plan that clients can put into action today that allows them to create wealth for themselves and their family while living a lifestyle they desire."
Ray started in the industry in the fall of 2007 at Citi Smith Barney. He moved to Merrill Lynch in spring of 2009 and spent the next 14 years there, ultimately moving to Morgan Stanley in December 2023. Ray attended University of North Carolina at Charlotte where he studied Finance. While there, Ray was an avid golfer, ranking in the top 20 of all collegiate D1 golfers nationwide during his junior year and winning the A10 Student Athlete of the Year in 2006. Ray also holds his CERTIFIED FINANCIAL PLANNER™ (CFP®) and Qualified Plan Financial Consultant (QPFC) designations, accolades denoting experience in financial planning and working with institutional retirement plans respectively.
Ray resides in York County, PA with his wife, Kelly, and four daughters. Outside of the office, Ray enjoys continuing to golf and reading. In addition, he can regularly be found coaching his kids' soccer and basketball games.
Securities Agent: NY, MD, UT, IL, CT, SC, DE, AZ, WV, WA, TX, OK, OH, ME, HI, AR, CO, CA, NM, NJ, DC, VA, NC, MS, LA, GA, FL, PA, MT, MI, MA, VT, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 1196830
NMLS#: 1196830
About Me
Ryan Young is a Vice President, Financial Advisor, and Senior Institutional Consultant with the SY Group at Morgan Stanley.
He empowers a diverse national clientele, from individuals and families to nonprofit organizations and corporate entities. With a deep understanding of each client’s unique financial landscape, Ryan crafts personalized strategies to maximize returns and minimize risk.
For individuals and families seeking financial security and growth, Ryan offers personalized investment portfolios and comprehensive financial planning. His expertise ensures that every aspect of your financial life aligns with your goals and aspirations.
At the forefront of next-generation Institutional Advisors, Ryan employs specialized strategies designed to optimize nonprofits’ financial position. By leveraging innovative investment solutions, he helps organizations and institutions achieve their mission and drive positive social impact, while preserving financial stability.
In the corporate realm, Ryan takes a holistic approach, assisting businesses in managing assets, hedging risks, and optimizing cash flow. By integrating advanced strategic insights and thought leadership, he guides businesses toward sustained growth and profitability.
Through meticulous analysis and a forward-thinking approach, Ryan delivers expertise and dedication to each client, regardless of their financial objective, to achieve their financial vision.
Born and raised in Monkton MD, a Loyola Blakefield alum, and a graduate of Franklin & Marshall, Ryan studied Business: Finance and Political Science. During his tenure, he was Captain of the football team and multi-year All-Conference linebacker. He currently resides in Baltimore, MD.
He empowers a diverse national clientele, from individuals and families to nonprofit organizations and corporate entities. With a deep understanding of each client’s unique financial landscape, Ryan crafts personalized strategies to maximize returns and minimize risk.
For individuals and families seeking financial security and growth, Ryan offers personalized investment portfolios and comprehensive financial planning. His expertise ensures that every aspect of your financial life aligns with your goals and aspirations.
At the forefront of next-generation Institutional Advisors, Ryan employs specialized strategies designed to optimize nonprofits’ financial position. By leveraging innovative investment solutions, he helps organizations and institutions achieve their mission and drive positive social impact, while preserving financial stability.
In the corporate realm, Ryan takes a holistic approach, assisting businesses in managing assets, hedging risks, and optimizing cash flow. By integrating advanced strategic insights and thought leadership, he guides businesses toward sustained growth and profitability.
Through meticulous analysis and a forward-thinking approach, Ryan delivers expertise and dedication to each client, regardless of their financial objective, to achieve their financial vision.
Born and raised in Monkton MD, a Loyola Blakefield alum, and a graduate of Franklin & Marshall, Ryan studied Business: Finance and Political Science. During his tenure, he was Captain of the football team and multi-year All-Conference linebacker. He currently resides in Baltimore, MD.
Securities Agent: NJ, MS, WA, VA, PR, ME, ID, DE, WV, OK, LA, KS, UT, OH, NY, MT, MO, MD, KY, IN, FL, AZ, TX, NM, MN, GA, CO, CA, RI, MI, SC, OR, NV, NH, ND, NC, IL, DC, AL, TN, MA, CT, WY, PA, HI, AR, WI, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 1420526
NMLS#: 1420526
Contact Steven Young
Contact Raymond Sheedy
Contact Ryan Young
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
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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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 SY Group 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.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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 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.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Morgan 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.
9Morgan 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.
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.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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 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.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Morgan 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.
9Morgan 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.
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)
