Christopher Harris, CFP®, CRPC®
Senior Vice President, Financial Advisor
Phone:
(602) 954-5787(602) 954-5787
The 1912 Group at Morgan Stanley
Our Mission Statement
To simplify the complexities of the financial aspects of your life with a personalized and dedicated approach
Our Story and Services
At The 1912 Group, we help families, individuals, and business owners develop and achieve long-term financial goals. Based in Arizona and serving clients across the United States, our team brings over 25 years of experience and a “hands-on” approach to financial guidance. Clients appreciate our skilled focus and genuine commitment to helping them achieve their objectives. We keep clients focused on their goals, provide strategic advice, and stress the importance of discipline in achieving success.
Our mission is to be a lifelong resource and trusted advisor, preserving and growing the wealth our clients have worked hard to build. While our name honors Arizona’s history and values of resilience and independence, our services extend nationwide, reflecting our dedication to all we serve.
Whether planning for retirement, investing for growth, or building a legacy, The 1912 Group is here to guide you confidently and purposefully. Thank you for your continued trust. We look forward to supporting your goals for years to come.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
Our mission is to be a lifelong resource and trusted advisor, preserving and growing the wealth our clients have worked hard to build. While our name honors Arizona’s history and values of resilience and independence, our services extend nationwide, reflecting our dedication to all we serve.
Whether planning for retirement, investing for growth, or building a legacy, The 1912 Group is here to guide you confidently and purposefully. Thank you for your continued trust. We look forward to supporting your goals for years to come.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Recognition & Designations
The 1912 Group Named to Forbes Best-In-State Wealth Management Teams 2023
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
Chris Harris Named to Forbes Best-In-State Wealth Advisors for 2022-2023
2022-2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2022-2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Source: Forbes.com (Awarded 2022-2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Nihaal Rao Named to Forbes Best-In-State Wealth Advisors for 2021-2023
2021-2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2021-2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Source: Forbes.com (Awarded 2021-2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Certified Financial Planner Designation (CFP®)
CFP® professionals have met extensive training and experience requirements and commit to CFP Board's ethical standards that require them to put their clients' interests first.
Chris & Nihaal hold this designation.
Chris & Nihaal hold this designation.
Chartered Retirement Plan Counselor Designation (CRPC®)
The Chartered Retirement Planning Counselor® (CRPC®) designation is earned from certification through a program focused on the entire retirement planning process, from setting financial goals to income streams and estate planning.
Chris & Nihaal hold this designation.
Chris & Nihaal hold this designation.
Certified Private Wealth Advisor Designation (CPWA®)
The Certified Private Wealth Advisor (CPWA®) designation equips seasoned professionals with the latest, most advanced knowledge and techniques to holistically address the sophisticated needs of high-net-worth clients.
Nihaal holds this designation.
Nihaal holds this designation.
Chartered Financial Consultant Designation (ChFC®)
The Chartered Financial Consultant (ChFC®) designation is an advanced financial planning program covering further knowledge on tax and retirement planning, wealth management, insurance, and more.
Nihaal holds this designation
Nihaal holds this designation
Approach
Discovery Process
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.
Morgan Stanley Digital Tools, Market Analysis, & Tax Resources
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies that we have to offer our clients. You can also find up to date research and analysis from the Morgan Stanley research team to keep you updated and informed.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Access Morgan Stanley Online >
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Access Total Wealth View >
GIC On the Markets
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read the Latest Report
GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read the Latest Report
Thoughts On the Market Podcast
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.
Check Out the Latest Episodes
What Should I Do with My Money? Podcast
Managing our money is one of the most important aspects of our lives, and yet, many people don't have someone they can depend on for help when they need it.
On this podcast, we match real people, asking real questions about their money, with experienced Financial Advisors.
Check Out the Latest EpisodesOn this podcast, we match real people, asking real questions about their money, with experienced Financial Advisors.
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Learn More
2024 Tax Tables
This helpful resource outlines the 2024 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
Access the 2024 Tax Tables HereEducational Resources for the Next Generation
Managing your family's wealth is so much more than simply reaching a desired return. Below are a list of resources to help you and the rest of your family feel confident about saving and investing.
The Millennial and Gen Z Guide to a Sweet Retirement
How the power of time can help savvy young investors grow an impressive portfolio.
Teaching Teens About Money
Here's how to help your children learn to manage their own finances as they grow into young adults.
Credit 101: Using Credit Wisely
Whether you're applying for a mortgage, purchasing car insurance, or signing up with a new Internet provider, you will inevitably be asked about your credit. Understanding how this number is calculated and how to establish a healthy credit score early on in life can help increase your financial freedom and purchasing power in the future.
The State of Your Parent's Estate
Talking with a parent about estate planning is never easy. Here are several conversation starters that can help adult children and their parents' plan.
Introduction to Money & Saving: Building a Strong Financial Foundation
This replay session is an introduction to personal finance with a focus on beginning to build a strong financial foundation. The discusion centers around goal setting, cash flow, budgeting and saving strategies and the power of compounding interest.
Credit & Debit Management
Our second session was aimed at empowering you with essential knowledge on credit and debt management so you can understand how to establish credit, understand credit history, demystify credit in order to make informed decisions about your financial future.
Cybersecurity
Our third session of this series will explore the skills that are important to safeguard your online identity and assets, from common cyber threats to learning best practices for secure online transactions. This session will cover practical strategies to stay safe in today's digital landscape.
Exploring Investments: Stocks, Bonds, and Beyond
Our fourth session will dive into the fundamentals of investing, from understanding market dynamics, defining asset classes such as stocks and bonds and other investment vehicles, as well as discussing asset allocation and diversification, this session will provide valuable insights to kickstart your investment journey.
Giving Back: The Joy of Philanthropy and Social Impact
This session will dive into the world of Philanthropy and Impact Investing! Explore creating positive economic, social and environmental impact by leveraging charitable giving alongside a socially responsible investment portfolio to make a meaningful difference in the world.
Health is Wealth with Dr. Kim Henderson
Join us for a session featuring Dr. Kim Henderson, Head of Wealth Management Health & Wellness Education who will provide us with insights into managing healthcare, investing in preventative care, and cultivating healthy habits that could lead to long- term prosperity.
Location
2398 E Camelback Rd
Suite 800
Phoenix, AZ 85016
US
Direct:
(602) 954-5787(602) 954-5787
Meet The 1912 Group
Nihaal Rao, CFP®, CRPC®, CPWA®, ChFC®
Senior Vice President, Financial Advisor, Senior Portfolio Management Director
Phone:
(602) 954-5788(602) 954-5788
Paul Farabaugh
Wealth Management Associate
Phone:
(602) 954-5789(602) 954-5789
Karen McAndrew
Senior Client Service Associate
Phone:
(602) 954-5782(602) 954-5782
About Me
Since starting his career as a financial advisor in 2001, Chris works with affluent families, individual clients and closely-held businesses. Through personal consultations, Chris meets with each client to set quantifiable goals and helps them prioritize their needs. Once this has been established, Chris develops and implements a customized strategy using a wide variety of financial tools and techniques. Chris has earned the CERTIFIED FINANCIAL PLANNER™ certification and the Chartered Retirement Planning Counselor®™ designation. The CFP® certification is a designation awarded by the Certified Financial Planner Board of Standards Inc. Chris was named to the 2023 Forbes "Best-in-State Wealth Advisors" list. Chris is a dedicated family man to his wife Adriane and three kids (Will, Raegan and Beau), participates in his children's club sports teams and enjoys outdoor activities.
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Securities Agent: NC, CA, AZ, AK, TX, NY, MN, MA, FL, WA, OK, MD, VT, SC, NV, NJ, ND, CT, MS, MO, IL, NM, MT, CO, VA, ID, OH, UT, OR, MI, SD, NE, WI, TN, PA; General Securities Representative; Investment Advisor Representative
NMLS#: 700559
NMLS#: 700559
About Me
Neil has been a financial advisor since 1997. He focuses on portfolio construction and tracking, asset allocation, risk management and alternative investment strategies tailored to the investment needs of each client. Neil works extensively with option strategies to seek additional investment income and potentially hedge concentrated positions. He has a focus on physicians and health care professionals. Neil was named to the 2023 Forbes "Best-in-State Wealth Advisors" list. Neil has earned the Chartered Retirement Planning Counselor®™ designation, the CERTIFIED FINANCIAL PLANNER™, and the Certified Private Wealth Advisor®™ certifications. The CFP® certification is a designation awarded by the Certified Financial Planner Board of Standards, Inc. The CPWA® designation is an advanced professional certification awarded by the Investments & Wealth Institute for advisors who serve high-net-worth clients. Neil holds a Bachelor's Degree from the University of Arizona, as well as a Master's Degree from The American College of Financial Services. He also has a Master of Business Administration (MBA) from Benedictine University. He is an active member of the University of Arizona Alumni Association as well as a regular volunteer to the United Way and St. Vincent DePaul. Neil is married to Dr. Deepa Shah, and they have two daughters, Bella and Lily.
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Securities Agent: OR, CO, WI, PA, NC, FL, OK, MS, MA, NY, NV, NJ, CT, AZ, AK, VA, TX, TN, NM, MT, MI, WA, MN, CA, UT, SC, OH, ND, VT, SD, MO, MD, IL, NE, ID; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 620562
NMLS#: 620562
About Paul Farabaugh
Paul Farabaugh is a seasoned professional in the world of finance and wealth management. Born and raised in Livonia, Michigan, Paul moved to the sun-kissed landscapes of Tempe, Arizona in 1991. Today, he resides in Chandler, Arizona with his wife, Jennifer, two daughters, Gabrielle and Allison, as well as their dogs, Lucky and Princess. An alumnus of the University of Arizona, Paul earned his bachelor's in Finance and Accounting in 2001, later adding an MBA from the University of Phoenix in 2006.
His professional journey includes managing a staggering $1.5 billion corporate cash portfolio for a local For-Profit University and holding multiple esteemed positions at his prior Wall Street Firm since 2007, such as a Financial Advisor, Associate Market Supervision Manager, and Wealth Management Client Associate.
Beyond his corporate commitments, Paul has dedicated his time to the community as a board member of a non-profit Autism organization and by founding a youth softball club team. In his downtime, Paul's passions are diverse, ranging from travel, real estate investing, and being an aficionado of cigars, wine, and bourbon tasting. For Paul, amidst the accolades and achievements, family moments remain the most treasured.
His professional journey includes managing a staggering $1.5 billion corporate cash portfolio for a local For-Profit University and holding multiple esteemed positions at his prior Wall Street Firm since 2007, such as a Financial Advisor, Associate Market Supervision Manager, and Wealth Management Client Associate.
Beyond his corporate commitments, Paul has dedicated his time to the community as a board member of a non-profit Autism organization and by founding a youth softball club team. In his downtime, Paul's passions are diverse, ranging from travel, real estate investing, and being an aficionado of cigars, wine, and bourbon tasting. For Paul, amidst the accolades and achievements, family moments remain the most treasured.
About Karen McAndrew
With a career spanning over 30 years in the finance industry, Karen McAndrew stands as a testament to dedication and focus in the field. Her journey in finance has seen her collaborate with world-class companies in a variety of significant roles including Vice President, Hedge Fund Trader, Market Maker and Associate positions. Born and raised in New York City, she took a bold leap of faith in 2014, relocating to Arizona and embarking on an impressive tenure with Morgan Stanley.
Now, nearly a decade into her role, Karen has distinguished herself as an experienced Senior Client Service Associate, skillfully handling onboarding, client services, operations, and account maintenance. Her skills extend across equity trading, risk/compliance, and operations. She is also dedicated to mentorship, generously sharing her knowledge with colleagues to enhance their support roles.
Settled in Chandler, Arizona with her husband Michael and their two dogs, Penelope and Desmond, Karen enjoys family time, music, and unwinding at the spa. Complementing her professional life, Karen has a strong commitment to philanthropy, actively engaging in community service and finding fulfillment in giving back.
Now, nearly a decade into her role, Karen has distinguished herself as an experienced Senior Client Service Associate, skillfully handling onboarding, client services, operations, and account maintenance. Her skills extend across equity trading, risk/compliance, and operations. She is also dedicated to mentorship, generously sharing her knowledge with colleagues to enhance their support roles.
Settled in Chandler, Arizona with her husband Michael and their two dogs, Penelope and Desmond, Karen enjoys family time, music, and unwinding at the spa. Complementing her professional life, Karen has a strong commitment to philanthropy, actively engaging in community service and finding fulfillment in giving back.
Contact Christopher Harris
Contact Nihaal Rao
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
Nikki Ranck
Private Banker
Alex Delgadillo
Financial Planning Director, Vice President
Teddy Lopez
Planning Associate
About Nikki Ranck
Nikki Ranck is a Private Banker serving Morgan Stanley Wealth Management offices in Arizona and New Mexico.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Nikki began her career in financial services in 2006, and joined Morgan Stanley in 2022 as a Private Banker. Prior to joining the firm, she was a Senior Client Service Associate at JP Morgan’s Private Bank. She also served as a Mortgage Banker and Branch Manager at JP Morgan Chase, and a Service Manager and Personal Banker at Wells Fargo Bank, N.A.
Nikki lives in Scottsdale, Arizona with her family. Outside of the office, she enjoys traveling and spending time with her family.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Nikki began her career in financial services in 2006, and joined Morgan Stanley in 2022 as a Private Banker. Prior to joining the firm, she was a Senior Client Service Associate at JP Morgan’s Private Bank. She also served as a Mortgage Banker and Branch Manager at JP Morgan Chase, and a Service Manager and Personal Banker at Wells Fargo Bank, N.A.
Nikki lives in Scottsdale, Arizona with her family. Outside of the office, she enjoys traveling and spending time with her family.
NMLS#: 1075581
About Alex Delgadillo
Alex is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Arizona and New Mexico He is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Alex began his career in financial services in 2010, and joined Morgan Stanley in 2022. Prior to his current position, he worked as a Private Client Advisor for J.P. Morgan.
Alex graduated from Arizona State University and Tecnológico de Monterrey and holds his Certified Financial Planner™ designation. Alex lives in Phoenix, Arizona with his family. Outside of work, Alex enjoys film production, stand-up comedy, and tennis. Some organizations that he supports include the Community Food Bank of Southern Arizona, Phoenix Committee on Foreign Relations, Phoenix Sister Cities, Detour Theatre Company, and Cowtown SKATE.
Alex began his career in financial services in 2010, and joined Morgan Stanley in 2022. Prior to his current position, he worked as a Private Client Advisor for J.P. Morgan.
Alex graduated from Arizona State University and Tecnológico de Monterrey and holds his Certified Financial Planner™ designation. Alex lives in Phoenix, Arizona with his family. Outside of work, Alex enjoys film production, stand-up comedy, and tennis. Some organizations that he supports include the Community Food Bank of Southern Arizona, Phoenix Committee on Foreign Relations, Phoenix Sister Cities, Detour Theatre Company, and Cowtown SKATE.
About Teddy Lopez
Teddy Lopez is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Teddy provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from the University of Notre Dame and received the Financial Planning Specialist® designation from the College for Financial Planning. Teddy is originally from Costa Mesa, California and currently resides in New York City, New York.
He earned his undergraduate degree from the University of Notre Dame and received the Financial Planning Specialist® designation from the College for Financial Planning. Teddy is originally from Costa Mesa, California and currently resides in New York City, New York.
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 The 1912 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.
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.
4Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning 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.
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.
4Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning 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.
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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.
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Awards Disclosures
CRC 6491812 (04/2024)
