Senior Vice President, Wealth Management, Financial Advisor, Global Sports and Entertainment Director, Senior Portfolio Manager, Insurance Planning Director, Lending Specialist
Phone:
(310) 285-2670(310) 285-2670
THE 310 GROUP at Morgan Stanley
Direct:
(310) 285-4800(310) 285-4800
Our Mission Statement
Whether you are seeking to grow your wealth, preserve it or pass it on to others, you can count on us to bring clarity and order to your financial life. Our goal is to be your advisor and advocate through every life stage.
Our Story and Services
When you work with the 310 Group at Morgan Stanley, you aren’t just getting a financial professional—you are getting a team of allies and advocates who understand your story, your goals and your values.
We use this insight and our collective knowledge to offer you a tailored wealth management experience designed to encompass every facet of your life—from its anticipated opportunities to its unexpected challenges.
Our team also provides access to Morgan Stanley’s specialists and full suite of services to resolve the complexities that come with your wealth. Through our relationships within the firm and our familiarity with its resources, we can connect you with what you need, when you need it.
We use this insight and our collective knowledge to offer you a tailored wealth management experience designed to encompass every facet of your life—from its anticipated opportunities to its unexpected challenges.
Our team also provides access to Morgan Stanley’s specialists and full suite of services to resolve the complexities that come with your wealth. Through our relationships within the firm and our familiarity with its resources, we can connect you with what you need, when you need it.
Services Include
- Retirement PlanningFootnote1
- Alternative InvestmentsFootnote2
- Wealth ManagementFootnote3
- Professional Portfolio ManagementFootnote4
- Financial PlanningFootnote5
- Estate Planning StrategiesFootnote6
- Cash Management and Lending ProductsFootnote7
- Asset Management
- Philanthropic ManagementFootnote8
- Defined Contribution PlansFootnote9
- Qualified Retirement PlansFootnote10
- 401(k) Rollovers
- 529 PlansFootnote11
- Life InsuranceFootnote12
- AnnuitiesFootnote13
- Long Term Care InsuranceFootnote14
- Fixed IncomeFootnote15
- Divorce Financial AnalysisFootnote16
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
We believe that identifying financial solutions begins with a solid understanding of your situation, goals, objectives and risk tolerance. We follow a disciplined process that enables us to craft solutions that help meet your individual financial needs:
Staying on track while defining and pursuing your goals is an ongoing process—not a static event. Once you’ve put your strategy into action, it’s essential to review it continually, assessing your portfolio performance, asset allocation and cash-flow activities so that you’ll have the money you need to achieve your goals. For that reason, we will monitor your progress and, if your circumstances change or your strategy is off track, we will suggest appropriate modifications to keep you moving toward your goals.
When you become our client, you become part of our family
We meet you where you are in your life.
Our team wants to help each generation of your family with what they need today and what they might need tomorrow. Whether you are buying your first home, sending your child to college or enjoying a well-deserved retirement, we can help you address your needs at every life stage and plan for those to come.
What does it mean to be our client?
It means you can call us with questions about how to manage a job change, buy property, research a college consultant or find a long-term care provider. You might reach out to us when you land an audition, when your daughter gets engaged or when your grandson passes the bar exam. We may take you by the hand and guide you with compassion through the loss of a spouse or a parent or the complications of a divorce. In short, it means we are always here for you with financial strategies and compassionate support.
Our team wants to help each generation of your family with what they need today and what they might need tomorrow. Whether you are buying your first home, sending your child to college or enjoying a well-deserved retirement, we can help you address your needs at every life stage and plan for those to come.
What does it mean to be our client?
It means you can call us with questions about how to manage a job change, buy property, research a college consultant or find a long-term care provider. You might reach out to us when you land an audition, when your daughter gets engaged or when your grandson passes the bar exam. We may take you by the hand and guide you with compassion through the loss of a spouse or a parent or the complications of a divorce. In short, it means we are always here for you with financial strategies and compassionate support.
Who We Serve
We have deep experience working with clients like you, so we understand your unique and specific issues and can recommend targeted solutions:
• Multigenerational families: parents, children, grandchildren, trusts and estates
• Business owners: entrepreneurs, partners, members
• C-level executives: senior management, industry leaders
• Professionals: attorneys, doctors, CPAs, nonprofit board members
• Entertainment industry professionals: talent, executives, agents, business managers
• Multigenerational families: parents, children, grandchildren, trusts and estates
• Business owners: entrepreneurs, partners, members
• C-level executives: senior management, industry leaders
• Professionals: attorneys, doctors, CPAs, nonprofit board members
• Entertainment industry professionals: talent, executives, agents, business managers
Global Sports and Entertainment
You have that something extra, the star quality, the intangibles that put you on top in fiercely competitive industries. You already have the vision but may find yourself needing someone to execute the plan. Morgan Stanley has created Global Sports and Entertainment with these specific needs in mind. Every sports and entertainment profession is unique with its own characteristics, earnings profile and variable career span. You require a Financial Advisor who knows the industry and how money flows from your work to your wallet. We are Global Sports and Entertainment Directors with advanced experience working within very specific fields. We understand the total financial picture and craft creative financial strategies that account for the unique challenges and dynamics of our clients’ careers.
Understand you
From players, performers, creators, managers and everyone in between, we have distinct financial profiles to match who you are and what you do.
Advise
We translate complex market news and financial strategies into easy to digest actionable strategies so your money is working the way you want it to.
Deliver
We leverage Morgan Stanley’s firm resources to work for you. Specialized reports and leading market analysis ensure that you are in good hands when working with The 310 Group. We connect with thought leaders and bring their best ideas to you.
Succeed
We want to help you achieve your goals for greater success. You have made it to where you are today, and we want to protect that legacy for tomorrow.
What makes us different?
We are committed to knowing who you are and what your goals are. We value community, philanthropy, sustainability and trust.
We take the time to understand you, your life and your aspirations. We take a completely customized, holistic view of your finances and leverage Morgan Stanley resources and strategies to find what would best fit your lifestyle- whether it be active, passive or proprietary investment strategies. Our commitment to you will always come first.
We know what its like to be in your shoes. The 310 Group is a global sports and entertainment designated group within Morgan Stanley. Our team has worked with entertainers, athletes and business managers like yourself. We have a keen understanding of the ins and outs and unique financial characteristics within the industry. When working with a sports and entertainment financial advisor, we know how this industry works, and the best strategies to protect the legacy you have built.
We are here for you. That means you can call us with questions about how to manage a job change, buy property, research a college consultant or find a long-term care provider. You might reach out to us when you land an audition, when your daughter gets engaged or when your grandson passes the bar exam. We may take you by the hand and guide you with compassion through the loss of a spouse or a parent or the complications of a divorce. In short, it means we are always here for you with financial strategies and compassionate support.
We understand that this is an ever-changing world, where nothing stays the same for long. People move, jobs change, and kids grow up. Our team wants to help each generation of your family with what they need today and what they might need tomorrow. Whether you are buying your first home, sending your child to college or enjoying a well-deserved retirement, we can help you address your needs at every life stage and plan for those to come.
Our client-centered approach helps the families, individuals and organizations we serve to invest in a way that aligns their personal or organizational values with their investments. By drawing from the firm's wide array of capabilities, Morgan Stanley has been able to leverage its market position as a leading Wealth Management firm to empower our clients to Invest with Impact.
Investing with Impact
Ready to experience The 310 Group Difference? Schedule a meeting today.
Contact usLocation
9665 Wilshire Blvd
Ste 600
Beverly Hills, CA 90212
US
Direct:
(310) 285-4800(310) 285-4800
Meet THE 310 GROUP
Senior Vice President, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Global Sports and Entertainment Director
Phone:
(310) 285-4925(310) 285-4925
Financial Advisor, Financial Planning Specialist, Insurance Planning Director, Workplace Advisor - Equity Compensation
Phone:
(310) 285-6563(310) 285-6563
Jennifer Ung
Senior Registered Client Service Associate
Phone:
(310) 285-5695(310) 285-5695
About Gidon A. Nach
Gidon provides comprehensive financial planning to clients and their families with a focus on helping them manage their assets using customized investment strategies. He is particularly knowledgeable about insurance and lending solutions, and he applies them appropriately to clients’ situations as needed, offering perspective on both sides of their balance sheets.
Gidon began his career in financial services at Northwestern Mutual Life in insurance and investment planning services, helping clients with life, health, disability and investment services. He then moved into the investment banking arena, where he spent almost three years as an equity research analyst for Bear Stearns & Co. He subsequently accepted an opportunity with a start-up company in business development at Sequoia Broadband. In 2002, he returned to his roots and joined Morgan Stanley, where his ability to analyze and develop complex financial plans for companies and individuals with multiple investment styles, objectives and asset allocations could thrive. Gidon graduated from the University of Wisconsin-Madison with a B.A. in political economics and international relations.
Gidon and his wife, Elise, have three sons: Devon, Ian and Donovan. In his free time, Gidon loves to travel, cook and surf, and he is fluent in Spanish and Italian.
Gidon began his career in financial services at Northwestern Mutual Life in insurance and investment planning services, helping clients with life, health, disability and investment services. He then moved into the investment banking arena, where he spent almost three years as an equity research analyst for Bear Stearns & Co. He subsequently accepted an opportunity with a start-up company in business development at Sequoia Broadband. In 2002, he returned to his roots and joined Morgan Stanley, where his ability to analyze and develop complex financial plans for companies and individuals with multiple investment styles, objectives and asset allocations could thrive. Gidon graduated from the University of Wisconsin-Madison with a B.A. in political economics and international relations.
Gidon and his wife, Elise, have three sons: Devon, Ian and Donovan. In his free time, Gidon loves to travel, cook and surf, and he is fluent in Spanish and Italian.
Securities Agent: NJ, HI, NY, MA, DE, IN, DC, CO, CA, AR, PA, FL, WI, NC, KY, IL, WA, UT, AZ, MI, MD, VT, OR, OH, LA, CT, VA, TX, ID, RI, NV, IA; General Securities Representative; Investment Advisor Representative
NMLS#: 1468741
CA Insurance License #: 0B75050
NMLS#: 1468741
CA Insurance License #: 0B75050
About John D. Bunzel
John is passionate about helping clients align their finances with their goals. His diverse background gives him an in-depth understanding of the financial needs of his clients, particularly those in the entertainment industry, as he guides the management of their assets and liabilities, proposes educational and/or retirement strategies, develops comprehensive estate planning strategies, and assists in philanthropic management.
A CERTIFIED FINANCIAL PLANNER practitioner, John was a wealth advisor with Merrill Lynch before moving to Morgan Stanley in 2009. Previously, he spent more than 20 years working in the entertainment industry as a writer/producer and production executive, overseeing the production, sale and delivery of numerous multimillion dollar films around the world. He is a graduate of the Juilliard School, earning a BFA from the theater division.
John is also passionate about philanthropic causes and non-profit board service. Currently, he serve as Board Chair at TreePeople, an environmental organization and land trust in Los Angeles, as a board member at Camp Nor'wester, a summer camp in Washington State, board member at Shakespeare Center Los Angeles, whose mission is to deliver urban theater and arts education, and serve as a Trustee for The Franklin Cole Foundation. Past board service includes: board member (and past chair) at New Horizons, an organization that serves individuals with special needs; Trustee at The Wesley School, an independent K-8 school located in North Hollywood, CA; board member at The Unusual Suspects Theatre Company, and former board chair for The C5 Youth Foundation of Southern California (formerly the Camp Coca-Cola Foundation of L.A.)
A CERTIFIED FINANCIAL PLANNER practitioner, John was a wealth advisor with Merrill Lynch before moving to Morgan Stanley in 2009. Previously, he spent more than 20 years working in the entertainment industry as a writer/producer and production executive, overseeing the production, sale and delivery of numerous multimillion dollar films around the world. He is a graduate of the Juilliard School, earning a BFA from the theater division.
John is also passionate about philanthropic causes and non-profit board service. Currently, he serve as Board Chair at TreePeople, an environmental organization and land trust in Los Angeles, as a board member at Camp Nor'wester, a summer camp in Washington State, board member at Shakespeare Center Los Angeles, whose mission is to deliver urban theater and arts education, and serve as a Trustee for The Franklin Cole Foundation. Past board service includes: board member (and past chair) at New Horizons, an organization that serves individuals with special needs; Trustee at The Wesley School, an independent K-8 school located in North Hollywood, CA; board member at The Unusual Suspects Theatre Company, and former board chair for The C5 Youth Foundation of Southern California (formerly the Camp Coca-Cola Foundation of L.A.)
Securities Agent: OH, IA, NV, NM, HI, CT, CO, PA, NY, LA, IL, ID, CA, MD, AR, WI, VA, NC, AZ, UT, NJ, KY, FL, VT, MI, IN, DC, WA, TX, OR, MA, DE, RI; General Securities Representative; Investment Advisor Representative
NMLS#: 1279175
CA Insurance License #: 0E53986
NMLS#: 1279175
CA Insurance License #: 0E53986
About Melissa M. Turner
Melissa Turner is a Financial Advisor of the Beverly Hills Complex of Morgan Stanley. A CERTIFIED FINANCIAL PLANNER™ (CFP®) and Certified Private Wealth Advisor® (CPWA®), she helps clients create comprehensive financial plans, proactive estate and insurance strategies, and customized investment allocations to help clients fulfil their financial and legacy goals.
Prior to becoming a Financial Advisor, Melissa was a Financial Planning Director and Vice President, where she assisted Financial Advisors and their clients on High-Net Worth and Ultra-High Net Worth Planning.
Known for industrious spirit, Melissa also helped head up the Firm’s Pacific Coast Region Planning Department as a Planning Solutions Specialist and Assistant Vice President, where she sat in San Francisco and travelled to and covered the region’s seven states (California, Washington, Oregon, Hawaii, Alaska, Montana, and Idaho). In this role, she met with top Financial Advisors and their teams to help develop planning techniques designed to increase productivity and deepen and solidify client relationships. In addition, she trained new Financial Advisors and their associates on the Firm’s planning platforms.
Before entering the Securities Industry, Melissa had a thriving, decade long career in Real Estate – first as an Escrow Processor, then as a Real Estate Agent. She became interested in the Wealth Management field because she wanted to continue to provide financial advice to her clients well after the real estate transaction closed.
Melissa is a passionate people person with strong communication skills and problem- solving. On top of her CFP® and CPWA® designations, she holds her Series 7 and 66 Licenses and Life and Health Insurance Licenses. Additionally, she completed a highly regarded course through The Yale School of Management: Wealth Management Theory and Practice and holds a Bachelor of Arts in Business Administration with a concentration in Finance.
A Southern Californian native, Melissa enjoys spending time with her family, specifically her two young nieces. In her spare time, she enjoys working out, travelling, and hiking.
Prior to becoming a Financial Advisor, Melissa was a Financial Planning Director and Vice President, where she assisted Financial Advisors and their clients on High-Net Worth and Ultra-High Net Worth Planning.
Known for industrious spirit, Melissa also helped head up the Firm’s Pacific Coast Region Planning Department as a Planning Solutions Specialist and Assistant Vice President, where she sat in San Francisco and travelled to and covered the region’s seven states (California, Washington, Oregon, Hawaii, Alaska, Montana, and Idaho). In this role, she met with top Financial Advisors and their teams to help develop planning techniques designed to increase productivity and deepen and solidify client relationships. In addition, she trained new Financial Advisors and their associates on the Firm’s planning platforms.
Before entering the Securities Industry, Melissa had a thriving, decade long career in Real Estate – first as an Escrow Processor, then as a Real Estate Agent. She became interested in the Wealth Management field because she wanted to continue to provide financial advice to her clients well after the real estate transaction closed.
Melissa is a passionate people person with strong communication skills and problem- solving. On top of her CFP® and CPWA® designations, she holds her Series 7 and 66 Licenses and Life and Health Insurance Licenses. Additionally, she completed a highly regarded course through The Yale School of Management: Wealth Management Theory and Practice and holds a Bachelor of Arts in Business Administration with a concentration in Finance.
A Southern Californian native, Melissa enjoys spending time with her family, specifically her two young nieces. In her spare time, she enjoys working out, travelling, and hiking.
Securities Agent: MA, UT, NJ, MT, DC, AZ, MD, KY, AR, VT, VA, OH, MI, LA, DE, TX, PA, NE, ID, HI, AL, TN, NY, NC, KS, CO, CA, WA, RI, OK, IL, WI, OR, NV, NM, FL, CT, SC, ME, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 1689841
NMLS#: 1689841
About Jennifer Ung
Jennifer is a Senior Registered Client Associate and a primary point of contact for The 310 Group at Morgan Stanley. She works closely with clients to ensure seamless coordination between their attorneys, accountants, and other dedicated advisors regarding their financial matters. Her dedication and hands-on approach creates a family office-like experience for our clients, building a strong bond and deepening the relationships we have with them.
Jennifer graduated from California State University, Los Angeles with a Bachelor’s degree in Business and began her financial career in the Advisor Associate Training Program at Morgan Stanley on Kauai, Hawaii. Gaining industry insight, she relocated back to Los Angeles and continued her career at UBS Financial Services and Wells Fargo Advisors. She returned to Morgan Stanley to join The 310 Group in Beverly Hills. Jennifer holds SIE, Series 7, and 66 licenses, as well as a California Insurance license.
Outside the office, she is an active runner and a member of the APLA - AIDS Project Los Angeles marathon program for charity. She loves horses and is an equestrian show jumping competitor for Alderin Sporthorses. She is a native of Michigan and currently resides in West Los Angeles.
Jennifer graduated from California State University, Los Angeles with a Bachelor’s degree in Business and began her financial career in the Advisor Associate Training Program at Morgan Stanley on Kauai, Hawaii. Gaining industry insight, she relocated back to Los Angeles and continued her career at UBS Financial Services and Wells Fargo Advisors. She returned to Morgan Stanley to join The 310 Group in Beverly Hills. Jennifer holds SIE, Series 7, and 66 licenses, as well as a California Insurance license.
Outside the office, she is an active runner and a member of the APLA - AIDS Project Los Angeles marathon program for charity. She loves horses and is an equestrian show jumping competitor for Alderin Sporthorses. She is a native of Michigan and currently resides in West Los Angeles.
CA Insurance License #: 0M15113
Contact Gidon A. Nach
Contact John D. Bunzel
Contact Melissa M. Turner
Wealth Management
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Wealth Management
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Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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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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Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
- Wealth Transfer & Philanthropy
- Private Banking Solutions
- Family Governance & Wealth Education
- Lifestyle Advisory
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 310 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.
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.
2Alternative 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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
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6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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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
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan 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.
9When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
10When 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.
11Investors 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.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
16Morgan 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.
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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
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.
2Alternative 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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Morgan 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
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan 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.
9When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
10When 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.
11Investors 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.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
16Morgan 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.
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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:
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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)
