Stephen Jang
Senior Vice President, Financial Advisor, Senior Portfolio Manager
Phone:
(707) 524-0544(707) 524-0544
The 99 Group at Morgan Stanley
Direct:
(707) 524-1000(707) 524-1000
Toll-Free:
(800) 752-5340(800) 752-5340
Our Mission Statement
Comprehensive wealth planning strategies for your life and legacy
Welcome
We believe success in achieving important financial goals starts with a comprehensive financial strategy. We will help you define what is most important to you and then formulate the strategies that are appropriate for your needs, whether you are accumulating wealth or investing for income, solidifying your retirement plan or devising a distribution approach that helps meet your lifestyle and legacy goals.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Ingredients For Success
THE CFP® PROFESSIONAL & FINANCIAL PLANNING
Individuals certified by the CFP® Board have taken the extra step to demonstrate commitment and professionalism by voluntarily submitting to the rigorous CFP® certification process that includes demanding education, examination, experience, and ethical requirements. These four cornerstones set the foundation for the CFP® professional’s ability in helping clients achieve their goals. Our diverse skillsets can help can help clients navigate the complicated financial factors in their life.
Regardless of what stage your life is in - moving ahead in your career, enjoying retirement, or somewhere in between - as your Financial Advisors, we can help you achieve your financial goals.
Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
We can create your personal roadmap to help achieve and protect your goals — a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions. See below for more information about the CFP designation and how we can help
Regardless of what stage your life is in - moving ahead in your career, enjoying retirement, or somewhere in between - as your Financial Advisors, we can help you achieve your financial goals.
Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
We can create your personal roadmap to help achieve and protect your goals — a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions. See below for more information about the CFP designation and how we can help
Education
The CFP® professional must develop theoretical and practical financial planning knowledge by completing 2 to 3 years of comprehensive coursework at an institution of higher learning approved by the CFP® Board. Once obtaining the CFP® trademark, their education does not stop, as continued education is part of the recertification process.
Examination
The CFP® professional must pass the 7 hour comprehensive Certification Exam, which tests abilities to apply financial planning knowledge to real-life situations. The exam covers the financial planning process, tax planning, employee benefits and retirement planning, estate planning, investment management and insurance.
Experience
All CFP® professionals are required to complete several years of experience related to financial planning services prior to earning the right to use the CFP® trademarks.
Ethics
The CFP® professional is obligated to uphold the principles of integrity, objectivity, competence, fairness, confidentiality, professionalism, and diligence as outline in the CFP® Board’s Code of Ethics. The Rules of Conduct require the CFP® professional to put the client’s interest first at all times.
2023 Tax Tables
This helpful resource outlines the 2023 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
click to view 2023 tax tables
Manage Debt
We thoroughly review your mortgage, car loans, credit cards, and any other debts that you may have in order to help determine where you can save on interest and create a timeline for your debt payments by prioritizing which ones should be paid off first.
Insurance
We take an extremely close look at your financial profile to decipher what type(s) of insurance most fit your needs, and determine if your current insurance policies are best suited for you and your goals.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Retirement
Leading up to and through retirement, Cornerstone Capital helps you identify the most appropriate ways to obtain the income you need and help ensure that you are on track to achieve for financial goals.
Estate Planning Strategies
Regardless of your current financial circumstances, it is crucial to have a backup plan for your money. We regularly review your finances with you and coordinate with your estate attorney to help ensure that your wishes are met in the most efficient and cost-effective way possible.
Managing Investments
We take care of your retirement accounts and other investments based on your comfort level with risk and your current tax circumstances, tailoring your financial strategy to your unique situation, needs, and goals.
CYBERSECURITY RESOURCE CENTER
Your security is our top priority. Morgan Stanley proactively defends our systems and monitors our digital landscapes to anticipate issues before they arise and responds appropriately when they do.
The Firm is actively supporting a multitude of layers of security. Security includes the following; strong encryption protocols designed to protect your data, continuous monitoring to help detect and prevent fraudulent activity in your accounts, routine testing of our systems to identify potential vulnerabilities, and independent reviews by outside security firms to penetration test our applications and evaluate our processes.
The Firm is actively supporting a multitude of layers of security. Security includes the following; strong encryption protocols designed to protect your data, continuous monitoring to help detect and prevent fraudulent activity in your accounts, routine testing of our systems to identify potential vulnerabilities, and independent reviews by outside security firms to penetration test our applications and evaluate our processes.
Family Office Cybersecurity
Family Offices can be quite vulnerable to cyber threats and the dangers of ransomware are real. Consider these best practices to protect your information and assets in an increasingly complex digital world.
Click here to learn more
Cloud Computing
As companies accelerate the move toward cloud computing, cybersecurity challenges have unequivocally intensified. Learn how two key software markets are poised to converge to mitigate new threats.
Click here to learn more
Protecting your Smart Device
Smart devices, we can’t live without them. They know our voices, our search history, and much more. This can present security risks. Here’s how to protect yourself:
Click here to learn more
Online Security Center
Safeguarding your assets and personal information is paramount to us. Learn about our extensive security measures and take advantage of our numerous resources and ideas that are geared towards helping you stay protected on the World Wide Web.
Access the Online Security Center
Cryptocurrency Scams
Cryptocurrency is attracting quite a bit of attention lately—including from cybercriminals. Learn more about this digital currency, as well as some popular scams that are being perpetrated by fraudsters.
Click here to learn more
Cybersecurity for College Students
College students may not be too concerned about being a target for hackers. Find out why cybercriminals may prey on students and how they can protect themselves.
Click here to learn more
Protecting your Digital Footprint
Worried about how much of your personal information is available online? See how you can manage your digital footprint.
Click here to learn more
Phone Security
You likely spend more time each day on your smartphone than on your computer, but do you pay as much attention to protecting the security of your phone as your computer? Find out why you should.
Click here to learn more
Cybercrime Preparedness
Was your email hacked? Your Social Security Number stolen? Do you know how to respond? Learn the steps to take if and when your identity, account, device or information is compromised.
Click here to learn more
Staying Cybersafe on Vacation
Going on vacation? You may be on a break, but cybercriminals aren't! Use these tips to help ensure you return home with your cybersecurity intact.
Click here to learn moreModern Wealth Management Tools and Resources
Morgan Stanley's comprehensive suite of digital resources has carefully been designed to help enhance each aspect of your financial portfolio. Take some time to learn about some of the many Modern Wealth Management resources that we offer to our clients.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley mobile app! Access your finances and invest in an instant with the help of this handy resource that is available 24/7.
Learn more about Morgan Stanley Online
Total Wealth View
Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
Learn more about Total Wealth View
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative risk engine used by several of the world’s largest institutional asset managers, providing you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios. This helpful tool can assist you in making educated investment decisions with increased confidence.
Learn more about the Portfolio Risk Platform
MS Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that rewards clients with over one million dollars in assets and liabilities invested at the firm. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn more about MS ReservedLocation
3562 Round Barn Circle
1st Fl
Santa Rosa, CA 95403
US
Direct:
(707) 524-1000(707) 524-1000
Toll-Free:
(800) 752-5340(800) 752-5340
Fax:
(707) 524-1099(707) 524-1099
Meet The 99 Group
Senior Vice President, Financial Advisor, Portfolio Management Director, Family Wealth Advisor
Phone:
(707) 524-1030(707) 524-1030
Phone:
(707) 524-1031(707) 524-1031
Violet Johnson
Client Service Associate
Phone:
(707) 524-0597(707) 524-0597
Ian Linde
Registered Client Service Associate
Phone:
(707) 524-1029(707) 524-1029
About Stephen Jang
A graduate of Saint Mary’s College with a degree in Business Administration and Economics, Steve has over 30 years in the Financial Services Industry having joined Dean Witter in 1985, a predecessor firm of Morgan Stanley.
As a Senior Portfolio manager, he is responsible for the advice, portfolio management, analysis and trading markets for high net worth individuals and corporate clients. Having earned the Certified Wealth Strategist® designation from the Cannon Financial Institute, he also focuses on and has extensive experience handling the complex financial needs of his clients in the areas of risk management, retirement planning and wealth transfer.
Prior to leaving management and moving to the Santa Rosa office in 1996, Steve had the additional responsibility of managing offices in both Concord and Petaluma.
A lifelong resident of California, he currently resides in Rohnert Park with his wife Karen and daughter Nicole. They also have two grown sons, Chris and Ryan.
As a Senior Portfolio manager, he is responsible for the advice, portfolio management, analysis and trading markets for high net worth individuals and corporate clients. Having earned the Certified Wealth Strategist® designation from the Cannon Financial Institute, he also focuses on and has extensive experience handling the complex financial needs of his clients in the areas of risk management, retirement planning and wealth transfer.
Prior to leaving management and moving to the Santa Rosa office in 1996, Steve had the additional responsibility of managing offices in both Concord and Petaluma.
A lifelong resident of California, he currently resides in Rohnert Park with his wife Karen and daughter Nicole. They also have two grown sons, Chris and Ryan.
Securities Agent: NC, AZ, CA, CO, DC, FL, GA, HI, ID, IL, KS, MA, MD, MI, MN, MO, MS, MT, NJ, NM, NV, NY, OH, OR, PA, SC, TN, TX, UT, VA, WA, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 1262108
NMLS#: 1262108
About Michael Moberly
As a Financial Advisor and CERTIFIED FINANCIAL PLANNER™ I help create and manage investment strategies for clients so that they can build wealth and realize their goals. I focus on working with individuals who seek help with their retirement planning and investments. My mission is to provide objective and timely financial advice with the highest level of professional service. Together we can develop a well-designed investment plan that will help you reach your goals.
I have enjoyed being a Financial Advisor since 1999. My experience also includes working in private accounting at various large corporations. I have also earned the CERTIFIED FINANCIAL PLANNER™ professional designation by meeting rigorous educational, examination, ethics and experience requirements. Today, I continuously seek a thorough understanding of new investment planning strategies, products and services.
Away from the office, my wife and I have a busy household raising a son and three daughters. Recently, we added active pup's “Gretzky” and "Kershaw" to the mix. Additionally, I enjoy being involved in sports and fitness; be it racing in local running events, playing soccer & pickleball, or cheering for the kids in their sport endeavors.
Lastly, as I enter my 25th year as a financial advisor, my team and I have helped many clients navigate through some major market downturns. With this, I have learned many important lessons to share with others in order to assist them make prudent choices while still aiming to achieve their goals. Next, if you are asking:
- "How much higher can the stock markets go?"
- "Should I be making adjustments to my investments?" and
- "Am I on track to reach my financial goals?"
Then let me help you. To access my calendar and set up a complimentary consultation, please click the "schedule meeting" link above.
I have enjoyed being a Financial Advisor since 1999. My experience also includes working in private accounting at various large corporations. I have also earned the CERTIFIED FINANCIAL PLANNER™ professional designation by meeting rigorous educational, examination, ethics and experience requirements. Today, I continuously seek a thorough understanding of new investment planning strategies, products and services.
Away from the office, my wife and I have a busy household raising a son and three daughters. Recently, we added active pup's “Gretzky” and "Kershaw" to the mix. Additionally, I enjoy being involved in sports and fitness; be it racing in local running events, playing soccer & pickleball, or cheering for the kids in their sport endeavors.
Lastly, as I enter my 25th year as a financial advisor, my team and I have helped many clients navigate through some major market downturns. With this, I have learned many important lessons to share with others in order to assist them make prudent choices while still aiming to achieve their goals. Next, if you are asking:
- "How much higher can the stock markets go?"
- "Should I be making adjustments to my investments?" and
- "Am I on track to reach my financial goals?"
Then let me help you. To access my calendar and set up a complimentary consultation, please click the "schedule meeting" link above.
Securities Agent: ND, AZ, CA, CO, DC, FL, GA, HI, ID, IL, KS, MA, MD, MI, MN, MO, MS, MT, NC, NJ, NM, NV, NY, OH, OR, PA, SC, TN, TX, UT, VA, WA, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 2233899
CA Insurance License #: 0C85638
NMLS#: 2233899
CA Insurance License #: 0C85638
About Natalie Castello
Natalie Castello is a Financial Advisor and Financial Planning Specialist with The 99 Group. Natalie focuses on recognizing what it is her clients are looking to achieve and working side-by-side with them to help achieve it. Collaboration with clients and teammates alike, as well as a commitment to building relationships with those she serves, are pivotal focuses for Natalie as she helps guide clients in mapping out where they would like to be financially and putting together an actionable plan to get there.
Natalie attended San Diego State University and graduated in 2004 with a BA in Mathematics. After graduation, she was a high school mathematics teacher for the 2005/06 school year before deciding to pursue other opportunities. Natalie soon joined what was then Smith Barney in 2008 as a Client Service Associate, and subsequently became a Complex Administrator thereafter.
Natalie and her husband now live in Santa Rosa, CA with their two boys Luca & Leo. Outside of office hours, Natalie is loves being involved in her local Santa Rosa community. She actively volunteers her time at the Redwood Empire Food Bank and her children's school, St. John Catholic School. Natalie loves spending time with her family, cooking, and traveling.
Natalie attended San Diego State University and graduated in 2004 with a BA in Mathematics. After graduation, she was a high school mathematics teacher for the 2005/06 school year before deciding to pursue other opportunities. Natalie soon joined what was then Smith Barney in 2008 as a Client Service Associate, and subsequently became a Complex Administrator thereafter.
Natalie and her husband now live in Santa Rosa, CA with their two boys Luca & Leo. Outside of office hours, Natalie is loves being involved in her local Santa Rosa community. She actively volunteers her time at the Redwood Empire Food Bank and her children's school, St. John Catholic School. Natalie loves spending time with her family, cooking, and traveling.
Securities Agent: CO, OR, WI, VA, MA, NV, MN, MO, UT, MT, ND, NC, TX, NY, PA, SC, CA, WA, AZ, FL, MI, TN, IL, KS, OH, HI, NM, NJ, GA, MS, MD, ID, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 2395133
CA Insurance License #: 4239010
NMLS#: 2395133
CA Insurance License #: 4239010
About Violet Johnson
Violet Johnson joins the 99 Group at Morgan Stanley as a Client Service Associate with over 2 years of experience in the retail banking industry.
Violet is 7th generation born and raised in Sonoma County. She attended Santa Rosa Junior College earning her Associates Degree in Arts, Communications and has been Head Volleyball Coach of the Empire Volleyball Club since 2017.
In her free time, Violet enjoys socializing with friends and family and spending quality time with her son, Niko (2) and dog, Bowen.
Violet is 7th generation born and raised in Sonoma County. She attended Santa Rosa Junior College earning her Associates Degree in Arts, Communications and has been Head Volleyball Coach of the Empire Volleyball Club since 2017.
In her free time, Violet enjoys socializing with friends and family and spending quality time with her son, Niko (2) and dog, Bowen.
Contact Stephen Jang
Contact Michael Moberly
Contact Natalie Castello
Wealth Management
From Our Team
Picking Up Pickleball
Wealth Management
Global Investment Office
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
Are You Prepared for Tax Day?
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The 99 Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley 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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
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.
5When 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Alternative 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley 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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
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.
5When 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Alternative 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.
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)
