Daniel M Schwartz
Senior Vice President, Financial Advisor, Portfolio Manager
Phone:
(941) 364-7411(941) 364-7411
The 360 Group at Morgan Stanley
Direct:
(941) 364-3553(941) 364-3553
Toll-Free:
(800) 237-9441(800) 237-9441
Our Mission Statement
At the 360 Group, our mission is to operate with integrity and authenticity, ensuring diligent execution in everything we do. We prioritize solving our clients' problems with honesty and a caring attitude. We believe in empowering our clients by providing comprehensive education, enabling them to make the best financial decisions for themselves and their families. For our team, we foster a supportive environment of respect, encouragement, and mutual assistance, continually educating ourselves and mentoring the next generation. We are committed to setting clear expectations and consistently meeting them, ensuring prompt and effective responses to our clients' needs.
Our Story and Services
We believe success in achieving important financial goals starts with a comprehensive wealth strategy. We will help you define what is most important to you and then formulate the strategies that are suited for your needs, whether you are accumulating
Investment Policy Statement
- Investment Objective: The primary investment objective is to achieve long-term growth of capital through a diversified portfolio of equities and fixed income securities. The investment portfolio should generate returns that outpace inflation while maintaining a low level of risk.
- Investment Strategy: To achieve this objective, we will employ a mix of active and passive investment strategies. Our investment portfolio will be diversified across multiple asset classes and geographic regions to reduce risk and maximize returns. We will also seek out opportunities in emerging markets and alternative asset classes when appropriate, such as private equity and real estate, to enhance returns.
- Risk Tolerance: While we seek to generate strong returns, we understand that investing involves risk, and we are willing to accept a moderate level of risk to achieve our long-term objectives. However, we will carefully monitor our portfolio's risk profile and adjust our investment strategy as necessary to maintain an appropriate level of risk.
- Performance Evaluation: We will regularly evaluate our investment performance against our stated objectives and make adjustments to our investment strategy as necessary. We will also closely monitor our investment costs and seek to minimize expenses wherever possible.
- Conclusion: Our investment statement reflects our commitment to achieving our long-term investment objectives while maintaining a prudent level of risk. By carefully monitoring our portfolio's performance and adjusting our investment strategy as necessary, we believe we can achieve strong returns over the long term while not taking on more risk than necessary to achieve long-term financial goals.
Services Include
- 529 PlansFootnote1
- Alternative InvestmentsFootnote2
- AnnuitiesFootnote3
- Art AdvisoryFootnote4
- Asset Management
- Business PlanningFootnote5
- Cash ManagementFootnote6
- Certificates of DepositFootnote7
- CommoditiesFootnote8
- Corporate BondsFootnote9
- Divorce Financial AnalysisFootnote10
- Endowments and FoundationsFootnote11
- Estate Planning StrategiesFootnote12
- Exchange Traded FundsFootnote13
- Executive Financial ServicesFootnote14
- Financial PlanningFootnote15
- Fixed IncomeFootnote16
- Foreign ExchangeFootnote17
- Institutional ServicesFootnote18
- LGBT+ Planning ServicesFootnote19
- Life InsuranceFootnote20
- Long Term Care InsuranceFootnote21
- Municipal BondsFootnote22
- Philanthropic ManagementFootnote23
- Planning for Education FundingFootnote24
- Planning for Individuals with Special Needs and their Families
- Professional Portfolio ManagementFootnote25
- Retirement PlanningFootnote26
- Sustainable InvestingFootnote27
- Stock Plan ServicesFootnote28
- Structured ProductsFootnote29
- SyndicateFootnote30
- Trust AccountsFootnote31
- Trust ServicesFootnote32
- UGMA/UTMAFootnote33
- Wealth PlanningFootnote34
- Wealth ManagementFootnote35
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
DISCLOSURES
NOTICE: Morgan Stanley is not acting as a municipal advisor and the opinions or views contained herein are not intended to be, and do not constitute, advice within the meaning of Section 975 of the Dodd-Frank Wall Street Reform and Consumer Protection Act. If you have received this communication in error, please destroy all electronic and paper copies and notify the sender immediately. Mistransmission is not intended to waive confidentiality or privilege. Morgan Stanley reserves the right, to the extent permitted under applicable law, to monitor electronic communications. This message is subject to terms available at the following https://www.morganstanley.com/disclaimers . If you cannot access these links, please notify us by reply message and we will send the contents to you. By communicating with Morgan Stanley you acknowledge that you have read, understand and consent, (where applicable), to the foregoing and the Morgan Stanley General Disclaimers.
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 matters involving trusts, estate planning, charitable giving, philanthropic planning or other legal matters.
Technical analysis is the study of past price and volume trends of a security in an attempt to predict the security's future price and volume trends. Its limitations include but are not limited to: the lack of fundamental analysis of a security's financial condition, lack of analysis of macroeconomic trend forecasts, the bias of the technician's view and the possibility that past participants were not entirely rational in their past purchases or sales of the security being analyzed. Investors using technical analysis should consider these limitations prior to making an investment decision.
Please see our Privacy Pledge for details about how Morgan Stanley handles personal information.
If you would like to update your email preferences or unsubscribe from marketing emails from Morgan Stanley Wealth Management, you may do so here. Please note, you will still receive service emails from Morgan Stanley Wealth Management.
Not all products and services may be available to persons living outside of the United States.
Morgan Stanley Wealth Management
2000 Westchester Avenue, Purchase, NY 10577-2530 USA
©2022 Morgan Stanley Smith Barney LLC. Member SIPC.
CRC 5649099 04/2023
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 matters involving trusts, estate planning, charitable giving, philanthropic planning or other legal matters.
Technical analysis is the study of past price and volume trends of a security in an attempt to predict the security's future price and volume trends. Its limitations include but are not limited to: the lack of fundamental analysis of a security's financial condition, lack of analysis of macroeconomic trend forecasts, the bias of the technician's view and the possibility that past participants were not entirely rational in their past purchases or sales of the security being analyzed. Investors using technical analysis should consider these limitations prior to making an investment decision.
Please see our Privacy Pledge for details about how Morgan Stanley handles personal information.
If you would like to update your email preferences or unsubscribe from marketing emails from Morgan Stanley Wealth Management, you may do so here. Please note, you will still receive service emails from Morgan Stanley Wealth Management.
Not all products and services may be available to persons living outside of the United States.
Morgan Stanley Wealth Management
2000 Westchester Avenue, Purchase, NY 10577-2530 USA
©2022 Morgan Stanley Smith Barney LLC. Member SIPC.
CRC 5649099 04/2023
Please visit the below links to guide you in any stage of important decision making. Check back regularly to stay up-to-date and please don't hesitate to reach out with any questions!
Financial Literacy
Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. No matter your current priorities, a strong financial literacy foundation can help you meet your goals.
Your Guide for Making the Best Financial DecisionsThe Tax-Smart Portfolio
Helping you keep more of what you earn: Tax strategies can have a surprisingly large potential impact on lifetime wealth accumulation. A look at some of the techniques that could help you keep more money growing.
Tax-Saving StrategiesAre you Prepared for Retirement?
It could be beneficial to check in on your retirement plan, check out this article to find out why.
Retirement Guide
Cybersecurity
The Cybersecurity Brochure showcases how Morgan Stanley helps safeguard clients’ assets and personal information. In today's ever-changing technological world, staying alert on cybersecurity is important.
Cybersecurity GuideHow to Protect Yourself Online
Safeguarding your assets and information is one of our highest priorities, but you also have a critical role to play. Check out our collection of practical takeaways and best practices from our cybersecurity professionals, then explore a few of the ways we help protect you.
Security CenterFamily Office Resources
The goal of Family Office Resources is to provide Financial Advisors and clients with holistic solutions that integrate structural, behavioral and investment decisions.
Income and Estate Tax Planning ToolkitYear-End Reminders
This document provides high-level summaries of complex tax rules. Please contact us with any questions!
2023 Year-End Tax RemindersGiving Back
If you’re inclined to help others, consider these tax-efficient ways to make your giving go further.
Tax-Savvy Ways to Give Back
Shawn McGill
In 2023 and 2024, Shawn McGill was named to the Pacesetter's Club at Morgan Stanley Wealth Management. The Pacesetter's Club is a global recognition program for Financial Advisors who have demonstrated the highest professional standards and first-class client service.
Nicholas Urrutia
In 2023 and 2024, Nicholas Urrutia was named to the Pacesetter's Club at Morgan Stanley Wealth Management. The Pacesetter's Club is a global recognition program for Financial Advisors who have demonstrated the highest professional standards and first-class client service.
Puppies With A Purpose
Our very own Tina Pierce founded a truly heart-warming program titled "Puppies with A Purpose". The Program's goal is to take puppies to Assisted Living and Memory Care facilities to visit the residents and spread puppy love! The program helps with cognitive and verbal skills for the residents and also helps these adorable pups make some new friends!
The 360 Group's Athlete Spotlight: Shawny McGill
Shawn McGill's son Shawny, was featured in the Sarasota local paper for his impressive performance on his Little League All-Star Team. Shawny is a member of the Sarasota American Little League 8-9-10 All-Star team. During his team's run to the state tournament, McGill had a .517 batting average with three doubles, one triple, one home run, three walks, nine RBIs and six steals. McGill also pitched nine innings with a 0.00 ERA.
Check out the article that gives an insight into the type of athlete Shawny is!Location
2 North Tamiami Trail
Ste 1100
Sarasota, FL 34236
US
Direct:
(941) 364-3553(941) 364-3553
Toll-Free:
(800) 237-9441(800) 237-9441
Meet The 360 Group
Randall A Ridenour
Senior Vice President, Financial Advisor
Phone:
(941) 364-7434(941) 364-7434
Shawn McGill
Vice President, Financial Advisor
Phone:
(941) 364-3553(941) 364-3553
Nicholas Urrutia, ChFC®
Vice President, Financial Advisor
Phone:
(941) 364-7403(941) 364-7403
Tara Whittaker
Senior Client Service Associate
Phone:
(941) 364-7497(941) 364-7497
Tina Pierce
Portfolio Associate
Phone:
(941) 364-7482(941) 364-7482
About Daniel M Schwartz
Dan Schwartz is a Senior Vice President, Financial Advisor and senior member of the 360 Group. He has over 30 years of wealth management experience, and has spent nearly his entire career at Morgan Stanley.
Dan takes a holistic approach to guiding clients. He not only conducts a detailed review of your finances, but takes the time to find out about your family, values, aspirations, and thoughts on risk. He uses this information in combination with the firm’s modern wealth management analytics to formulate customized strategies. Developing a thorough understanding of each client’s unique situation and creating an individualized plan is the most effective way to reach your objective.
Dan takes pride in having worked with clients for decades including families he has served for multiple generations. He has helped guide families through their life cycle: from planning for their children’s education, retirement, to succession to the next generation. Building long term relationships based on trust is one of Dan’s goals.
He received his Master’s degree in Finance from Florida State University and his Bachelor’s degree in Economics from Georgia State University. He also has earned the professional designations of Portfolio Manager and Financial Planning Specialist.
As a volunteer, event sponsor, and as a fundraiser, Dan has supported a number of charities in his area. He and his wife Deborah have made Sarasota their home for over 30 years. They are very proud of their daughter who is an environmental attorney concentrating on keeping our federally protected Wild Horses and Burris free.
Dan takes a holistic approach to guiding clients. He not only conducts a detailed review of your finances, but takes the time to find out about your family, values, aspirations, and thoughts on risk. He uses this information in combination with the firm’s modern wealth management analytics to formulate customized strategies. Developing a thorough understanding of each client’s unique situation and creating an individualized plan is the most effective way to reach your objective.
Dan takes pride in having worked with clients for decades including families he has served for multiple generations. He has helped guide families through their life cycle: from planning for their children’s education, retirement, to succession to the next generation. Building long term relationships based on trust is one of Dan’s goals.
He received his Master’s degree in Finance from Florida State University and his Bachelor’s degree in Economics from Georgia State University. He also has earned the professional designations of Portfolio Manager and Financial Planning Specialist.
As a volunteer, event sponsor, and as a fundraiser, Dan has supported a number of charities in his area. He and his wife Deborah have made Sarasota their home for over 30 years. They are very proud of their daughter who is an environmental attorney concentrating on keeping our federally protected Wild Horses and Burris free.
Securities Agent: NJ, IA, NV, DC, TX, NY, MS, ME, FL, WA, MA, GA, VA, RI, NH, MO, CT, CO, VT, OR, LA, ID, MN, MD, TN, PA, MI, CA, AZ, AL, WI, SC, OH, NC, IL, DE, PR, SD, OK, NE, IN; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1268454
NMLS#: 1268454
About Randall A Ridenour
Rande Ridenour is a Financial Advisor and Senior Vice President and the founding partner of the 360 Group. He has over 40 years of wealth management experience, and has been with Morgan Stanley since 2010.
By putting clients first and sincerely caring about their well-being, Rande has developed a successful practice focused on servicing the needs of high-net worth individuals and families. He takes pride that many of his clients have worked with him for over four decades including families whom he has assisted for multiple generations. Rande enjoys cultivating relationships and learning about his clients’ life experience and aspirations.
Over the years, Rande has found that designing and implementing customized plans is the best way to effectively manage wealth. He draws upon his market experience and understanding of risk to develop unique programs that include portfolio management, retirement planning, and charitable giving. To better provide holistic advice, Rande collaborates with his clients’ accountants and attorneys.
Rande began his career as a Financial Advisor in 1980 at Smith Barney. He later moved to UBS before joining the firm in 2010. Rande received a degree in Business Administration from the University of Tampa. He served with the United States Air Force.
Giving back to the community is important to Rande. He has worked with Mote Marine Laboratory and Aquarium for years and was the Chairman of the Mote Advisory council for 5 years. He has helped bring many local professionals into the Mote family to further the marine environmental and educational goals of the organization.
Rande has lived in Sarasota for 40 years with his wife Betsy. The couple has 3 adult boys and 5 grandchildren. In his spare time, he enjoys boating, biking, and traveling.
By putting clients first and sincerely caring about their well-being, Rande has developed a successful practice focused on servicing the needs of high-net worth individuals and families. He takes pride that many of his clients have worked with him for over four decades including families whom he has assisted for multiple generations. Rande enjoys cultivating relationships and learning about his clients’ life experience and aspirations.
Over the years, Rande has found that designing and implementing customized plans is the best way to effectively manage wealth. He draws upon his market experience and understanding of risk to develop unique programs that include portfolio management, retirement planning, and charitable giving. To better provide holistic advice, Rande collaborates with his clients’ accountants and attorneys.
Rande began his career as a Financial Advisor in 1980 at Smith Barney. He later moved to UBS before joining the firm in 2010. Rande received a degree in Business Administration from the University of Tampa. He served with the United States Air Force.
Giving back to the community is important to Rande. He has worked with Mote Marine Laboratory and Aquarium for years and was the Chairman of the Mote Advisory council for 5 years. He has helped bring many local professionals into the Mote family to further the marine environmental and educational goals of the organization.
Rande has lived in Sarasota for 40 years with his wife Betsy. The couple has 3 adult boys and 5 grandchildren. In his spare time, he enjoys boating, biking, and traveling.
Securities Agent: RI, IA, DE, CA, PR, MI, LA, CT, VA, SD, OH, MO, MN, MA, IN, AZ, TX, NY, NV, NC, AR, WA, OK, DC, FL, CO, AL, KY, IL, GA, PA, NJ, WI, TN, OR, MD, ID, SC, NM, NE, VT, ME; General Securities Representative; Investment Advisor Representative
NMLS#: 1290612
NMLS#: 1290612
About Shawn McGill
Shawn McGill began his investment career in 2017 after earnings his bachelor’s degree in economics from Boston College. As a Financial Advisor at Morgan Stanley Wealth Management, Shawn and his Team work with Families, Business Owners, Entrepreneurs, and High Net Worth Individuals. His Primary responsibilities include client relationships, investment strategies, goals planning, liability management, structured products, alternative investments, cash management solutions, coordinating with accountants, estate attorneys, and other professionals to help grow, protect and transition clients’ financial lives.
He also oversees the team’s business development, marketing/advertising, and builds custom tailored financial plans where Clients can stay on track and achieve their goals.
Prior to joining Morgan Stanley, Shawn spent 5 years at Merrill Lynch, where he began his career and founded his Wealth Management Team with Nick Urrutia and Tina Pierce. In the fall of 2021, Shawn and the Team decided to move to Morgan Stanley to further enhance their practice. The Team has a strong focus on continuous high touch Client contact especially during difficult market cycles, life events, and economic changes. The trademark of our practice is helping Clients build, preserve, and transition their Wealth/Legacy all while maintaining a strong relationship and connection.
Prior to his financial career, Shawn enjoyed a great 12 year run in professional baseball (8 years playing/4 years coaching). After being the Captain of his Boston College Baseball Team in 2006, he was drafted in the 23rd Round by the Philadelphia Phillies. He would also enjoy time playing with the Chicago Cubs and Atlanta Braves Organizations before ending his career in Coaching with the Baltimore Orioles Organization.
Shawn is active in the community as the Chapter Leader for Boston College Alumni in Sarasota, Florida. The Chapter has hosted events lead by Shawn for ALS awareness/fundraising, Beach Clean-ups, and supporting local Veterans among many other exciting ventures.
Shawn loves spending time with his wife Caitlin and four children Lyla, Shawny, Brody, and Parker. Shawn enjoys volunteering his time coaching and watching his kids play competitive sports. He is very passionate about traveling with his family and spending time with friends.
Shawn has his series 7 and 66 Licenses. He also has his Life Insurance, Annuity, and Long Term Care Licenses.
Securities Agent: WI, WA, VT, VA, TX, TN, SC, RI, PA, OR, OH, NY, NV, NJ, NC, MT, MO, MN, MI, MD, MA, KY, IN, IL, ID, IA, GA, FL, DC, CT, CO, CA, AZ, AL; General Securities Representative; Investment Advisor Representative
NMLS ID#: 1747339
He also oversees the team’s business development, marketing/advertising, and builds custom tailored financial plans where Clients can stay on track and achieve their goals.
Prior to joining Morgan Stanley, Shawn spent 5 years at Merrill Lynch, where he began his career and founded his Wealth Management Team with Nick Urrutia and Tina Pierce. In the fall of 2021, Shawn and the Team decided to move to Morgan Stanley to further enhance their practice. The Team has a strong focus on continuous high touch Client contact especially during difficult market cycles, life events, and economic changes. The trademark of our practice is helping Clients build, preserve, and transition their Wealth/Legacy all while maintaining a strong relationship and connection.
Prior to his financial career, Shawn enjoyed a great 12 year run in professional baseball (8 years playing/4 years coaching). After being the Captain of his Boston College Baseball Team in 2006, he was drafted in the 23rd Round by the Philadelphia Phillies. He would also enjoy time playing with the Chicago Cubs and Atlanta Braves Organizations before ending his career in Coaching with the Baltimore Orioles Organization.
Shawn is active in the community as the Chapter Leader for Boston College Alumni in Sarasota, Florida. The Chapter has hosted events lead by Shawn for ALS awareness/fundraising, Beach Clean-ups, and supporting local Veterans among many other exciting ventures.
Shawn loves spending time with his wife Caitlin and four children Lyla, Shawny, Brody, and Parker. Shawn enjoys volunteering his time coaching and watching his kids play competitive sports. He is very passionate about traveling with his family and spending time with friends.
Shawn has his series 7 and 66 Licenses. He also has his Life Insurance, Annuity, and Long Term Care Licenses.
Securities Agent: WI, WA, VT, VA, TX, TN, SC, RI, PA, OR, OH, NY, NV, NJ, NC, MT, MO, MN, MI, MD, MA, KY, IN, IL, ID, IA, GA, FL, DC, CT, CO, CA, AZ, AL; General Securities Representative; Investment Advisor Representative
NMLS ID#: 1747339
Securities Agent: FL, TX, PA, OK, MI, VT, NE, IN, DC, CT, AZ, SD, NH, MO, MN, MD, IL, CO, VA, GA, CA, NV, NJ, MT, ME, ID, SC, NY, NM, DE, AL, WA, OH, MA, PR, TN, RI, NC, IA, UT, OR, KY, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 1747339
NMLS#: 1747339
About Nicholas Urrutia
Nick Urrutia embarked on his investment journey in 2017, following the completion of his bachelor’s degree in Finance from Ashford University. At Morgan Stanley, he serves as an advisor, focusing on nurturing client relationships, developing investment strategies, managing liabilities, and collaborating with professionals such as accountants and estate attorneys to shape comprehensive financial solutions for clients. Additionally, Nick takes charge of overseeing the team’s operational activities, marketing initiatives, and strategic planning.
Nick’s expertise is underscored by his possession of the Chartered Financial Consultant TM designation (ChFC). Before joining Morgan Stanley, he honed his skills during a 5-year tenure at Merrill Lynch, where he commenced his career. Motivated to further augment their practice, Nick and his partner made the decision to transition to Morgan Stanley allowing them to better serve their clients.
Outside of his professional pursuits, Nick actively engages with his community and currently serves on the finance committee for the US Women in Coffee Association. Furthermore, he is involved in philanthropic endeavors as an Ancient Free and Accepted Mason and Shriner, participating in diverse fundraising and service-based activities.
Nick finds immense joy in spending quality time with his wife, Cari, and their two daughters, Kaitlyn and Sienna. In his leisure moments, he relishes watching sports, playing golf, engaging in nonprofit work, exploring travel opportunities, and creating cherished memories at the beach with loved ones and friends.
Securities Agent: WI, WA, VT, VA, TX, TN, SC, RI, PA, OR, OH, NY, NV, NJ, NC, MT, MO, MN, MI, MD, MA, KY, IN, IL, ID, IA, GA, FL, DC, CT, CO, CA, AZ, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 560159
Nick’s expertise is underscored by his possession of the Chartered Financial Consultant TM designation (ChFC). Before joining Morgan Stanley, he honed his skills during a 5-year tenure at Merrill Lynch, where he commenced his career. Motivated to further augment their practice, Nick and his partner made the decision to transition to Morgan Stanley allowing them to better serve their clients.
Outside of his professional pursuits, Nick actively engages with his community and currently serves on the finance committee for the US Women in Coffee Association. Furthermore, he is involved in philanthropic endeavors as an Ancient Free and Accepted Mason and Shriner, participating in diverse fundraising and service-based activities.
Nick finds immense joy in spending quality time with his wife, Cari, and their two daughters, Kaitlyn and Sienna. In his leisure moments, he relishes watching sports, playing golf, engaging in nonprofit work, exploring travel opportunities, and creating cherished memories at the beach with loved ones and friends.
Securities Agent: WI, WA, VT, VA, TX, TN, SC, RI, PA, OR, OH, NY, NV, NJ, NC, MT, MO, MN, MI, MD, MA, KY, IN, IL, ID, IA, GA, FL, DC, CT, CO, CA, AZ, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 560159
Securities Agent: IN, SC, NJ, MO, NC, MD, IA, AL, DE, RI, MN, MI, MA, KY, WA, OK, OH, NY, ID, GA, SD, NV, NH, IL, DC, CO, WI, VT, UT, NE, TX, OR, CA, MT, CT, AZ, PR, VA, FL, TN, PA, NM, ME; General Securities Representative; Investment Advisor Representative
NMLS#: 560159
NMLS#: 560159
About Tina Pierce
Tina is a native of Ohio and started her career in the industry in 1987. Tina has been at Morgan Stanley since 2021.
Drawing on 35 years of experience, Tina helps with all administrative and digital aspects for the team. She is your main point of contact for your accounts and her primary focus is to help build meaningful relationships with clients by assisting them with documentation for their account opening, transferring of funds, reading statements and our digital presence. Tina still learns how to look at things differently to find a better solution to any issues that arise.
Tina's unique approach is to learn more about the client, their families and their passions. By knowing their specific interests, it helps open lines of communication to make them feel part of the family and help with all facets of their financial goals and dreams. Tina is passionate about the client's well-being and extremely detail oriented. She aims to ensure that clients are comfortable with their accounts, statements, etc. and promotes herself to be available at any time with any questions or concerns.
Tina has two dogs to which she adores. Tina Volunteers with Tidewell Hospice, Nate’s Honor Animal Rescue (started the Puppies with a Purpose Program, taking puppies to Alzheimer’s patients). Tina is very interested in philanthropy and loves to hear about your passions in the community and help to network your passions within the community and our team. In general, Tina loves to problem solve and help people.
Tina’s extensive experience in the industry include her being fully registered with her Series 7, Series 66 and her Life and Annuity licenses.
Drawing on 35 years of experience, Tina helps with all administrative and digital aspects for the team. She is your main point of contact for your accounts and her primary focus is to help build meaningful relationships with clients by assisting them with documentation for their account opening, transferring of funds, reading statements and our digital presence. Tina still learns how to look at things differently to find a better solution to any issues that arise.
Tina's unique approach is to learn more about the client, their families and their passions. By knowing their specific interests, it helps open lines of communication to make them feel part of the family and help with all facets of their financial goals and dreams. Tina is passionate about the client's well-being and extremely detail oriented. She aims to ensure that clients are comfortable with their accounts, statements, etc. and promotes herself to be available at any time with any questions or concerns.
Tina has two dogs to which she adores. Tina Volunteers with Tidewell Hospice, Nate’s Honor Animal Rescue (started the Puppies with a Purpose Program, taking puppies to Alzheimer’s patients). Tina is very interested in philanthropy and loves to hear about your passions in the community and help to network your passions within the community and our team. In general, Tina loves to problem solve and help people.
Tina’s extensive experience in the industry include her being fully registered with her Series 7, Series 66 and her Life and Annuity licenses.
Contact Daniel M Schwartz
Contact Randall A Ridenour
Contact Shawn McGill
Contact Nicholas Urrutia
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1Investors 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.
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.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Products 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 does not assist with buying or selling art in any way and merely provides information to clients interested learning more about the different types of art markets at a high level. Any client interested in buying or selling art should consult with their own independent art advisor.
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.
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
7Investors 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.
8Investing in commodities entails significant risks. The commodities markets may fluctuate widely based on a variety of factors including changes in supply and demand relationships; governmental programs and policies; national and international political and economic events; war and terrorist events; changes in interest and exchange rates; trading activities in commodities and related contracts; pestilence; weather; technological change; and, the price volatility of a commodity. In addition, the commodities markets are subject to temporary distortions or other disruptions due to various factors, including lack of liquidity, participation of speculators and government intervention.
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
10Morgan 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.
11Morgan 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.
12Morgan 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.
13An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
14Morgan 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.
15Morgan 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.
16Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
17GlobalCurrency is available to clients of Morgan Stanley Smith Barney LLC with an eligible brokerage account. Before undertaking foreign exchange transactions, clients should understand the associated risks.
Engaging in foreign currency transactions entails more varied risks than normally associated with transactions in the domestic securities markets. Attention should be paid to market, credit, sovereign, and liquidity risks. The foreign exchange transactions and deposits discussed in this material may not be appropriate for all clients. The appropriateness of a particular investment or strategy depends upon a client’s particular circumstances and objectives. This material does not provide individually tailored investment advice.
18Morgan 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.
19Morgan 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.
20Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
21Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
22Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
23Products 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.
24When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
25Morgan 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.
26When 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.
27The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
28Morgan 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.
29Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
30Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
31Morgan 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.
32Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
33Morgan 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.
34Morgan 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.
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.
35Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Products 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 does not assist with buying or selling art in any way and merely provides information to clients interested learning more about the different types of art markets at a high level. Any client interested in buying or selling art should consult with their own independent art advisor.
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.
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
7Investors 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.
8Investing in commodities entails significant risks. The commodities markets may fluctuate widely based on a variety of factors including changes in supply and demand relationships; governmental programs and policies; national and international political and economic events; war and terrorist events; changes in interest and exchange rates; trading activities in commodities and related contracts; pestilence; weather; technological change; and, the price volatility of a commodity. In addition, the commodities markets are subject to temporary distortions or other disruptions due to various factors, including lack of liquidity, participation of speculators and government intervention.
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
10Morgan 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.
11Morgan 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.
12Morgan 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.
13An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
14Morgan 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.
15Morgan 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.
16Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
17GlobalCurrency is available to clients of Morgan Stanley Smith Barney LLC with an eligible brokerage account. Before undertaking foreign exchange transactions, clients should understand the associated risks.
Engaging in foreign currency transactions entails more varied risks than normally associated with transactions in the domestic securities markets. Attention should be paid to market, credit, sovereign, and liquidity risks. The foreign exchange transactions and deposits discussed in this material may not be appropriate for all clients. The appropriateness of a particular investment or strategy depends upon a client’s particular circumstances and objectives. This material does not provide individually tailored investment advice.
18Morgan 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.
19Morgan 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.
20Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
21Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
22Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
23Products 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.
24When 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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
25Morgan 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.
26When 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.
27The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
28Morgan 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.
29Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
30Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
31Morgan 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.
32Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
33Morgan 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.
34Morgan 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.
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.
35Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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)
