Executive Director, Financial Advisor, Alternative Investments Director, Portfolio Management Director
Phone:
(407) 849-4792(407) 849-4792
The Accelerando Group at Morgan Stanley
Our Mission Statement
Similarly to a conductor of music, the Accelerando Group strives to bring various resources together in order to create one definable picture focused entirely on the needs of our clients and their family. With all of the distractions our clients face in their daily lives, providing harmony and consistency of service is the key goal for The Accelerando Group.
Our Story and Services
At our firm, we believe that financial well-being is about more
than just understanding complex financial markets. It's about
recognizing how finances impact our clients on a personal and
practical level.
Our dedicated team works to bring together various resources,
creating a clear and customized financial plan that focuses
entirely on our clients' needs and the well-being of their families.
We understand that life can be overwhelming, which is why our
main goal is to provide a sense of harmony and consistency in the
service we offer. Our commitment is to empower our clients and
help them achieve an increased comfort level.
Drawing inspiration from the conductor of an orchestra, our
group is dedicated to orchestrating a harmonious collaboration of
diverse resources together, to create one definable picture
focused entirely on the needs of our clients and their family. In a
world filled with constant distractions, we aim to simplify the
complexities of finance and deliver an unparalleled experience
that helps ensure our clients' financial well-being.
than just understanding complex financial markets. It's about
recognizing how finances impact our clients on a personal and
practical level.
Our dedicated team works to bring together various resources,
creating a clear and customized financial plan that focuses
entirely on our clients' needs and the well-being of their families.
We understand that life can be overwhelming, which is why our
main goal is to provide a sense of harmony and consistency in the
service we offer. Our commitment is to empower our clients and
help them achieve an increased comfort level.
Drawing inspiration from the conductor of an orchestra, our
group is dedicated to orchestrating a harmonious collaboration of
diverse resources together, to create one definable picture
focused entirely on the needs of our clients and their family. In a
world filled with constant distractions, we aim to simplify the
complexities of finance and deliver an unparalleled experience
that helps ensure our clients' financial well-being.
Services Include
- Alternative InvestmentsFootnote1
- Business PlanningFootnote2
- Cash ManagementFootnote3
- Defined Contribution PlansFootnote4
- Estate Planning StrategiesFootnote5
- Life InsuranceFootnote6
- Financial PlanningFootnote7
- Qualified Retirement PlansFootnote8
- AnnuitiesFootnote9
- 529 PlansFootnote10
- Trust ServicesFootnote11
- UGMA/UTMAFootnote12
- Asset Management
- Endowments and FoundationsFootnote13
- Exchange Traded FundsFootnote14
- Fixed IncomeFootnote15
- Philanthropic ManagementFootnote16
- Wealth PlanningFootnote17
- Sustainable InvestingFootnote18
- Professional Portfolio ManagementFootnote19
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Suite of Services
As Wealth Grows, so does its complexities and the resources needed to manage it effectively. We leverage our experience and relationships to deliver innovative strategies that are tailored to your needs. We look forward to speaking with you to understand your challenges, so we may map out a strategy to achieve your particular priorities and goals.
Wealth Management
Wealth Management brings all the dimensions of your life together. We listen carefully to understand the connection across your personal life, your family, your career and your legacy goals to develop a comprehensive strategy that is uniquely yours.
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Alternative Investments
Morgan Stanley's Global network affords us the ability to offer suitable clients a wide array of alternative investments to consider - from private equities and exchange funds to hedge funds and real estate investments. Our recommendations are based on your own goals and your tolerance for investment risk.
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Cash Management Services
Creating adequate cash flow and securing liquidity are the day-to-day aspects of implementing a financial strategy. We help you meet your personal cash management and borrowing needs, while thinking strategically about how specific approaches may affect current and long-term costs and taxes.
Learn MoreRESOURCES AND RESEARCH
We believe financial education leads to better insights into our investment strategy and discipline, and ultimately, better long-term results. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
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The Global Investment Committee: On The Markets Reports
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Learn More
The Global Investment Committee Weekly Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Learn More
Morgan Stanley Ideas Podcast
From the use of satellite data technology to solve some of the world's most complex problems, to learning how not to follow the crowd when making decisions, The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond. Click the link below for more information and to access a library of interesting content.
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 picture with Total Wealth View. By linking your external account information, you will benefit from more informed and comprehensive 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 tool used by several of the world's largest institutional asset managers, using this tool provides comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios.
Manage your Risk
Cybersecurity and Fraud Prevention
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our extensive security measures and take advantage of our numerous resources and ideas to help you stay protected online.
Learn More about Managing Cybersecurity
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows clients and their families to build a central, shared document library where all documents are stored using encryption. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors.
Learn More
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 ReservedPlanning For Your Family Financial Needs
As your family grows and your wealth increases, you may face more subtle and profound wealth management issues. As the demands of your family grow and evolve, you will likely need professionals who have expanded capabilities. Our Family Office services will help you manage the complex, multigenerational challenges of managing significant wealth.
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
The term “Family Office Resources” is being used as a term of art and not to imply that Morgan Stanley and/or its employees are acting as a family office pursuant to Investment Advisers Act of 1940.
Trust & Estate Planning
With you every step of the way. We analyze your tax and estate structures so that their tax characteristics are accurately incorporated in the asset allocation analysis performed for the client.
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Tax Management
The tax decisions you make today can help you save for years to come. There are many tax smart strategies for your financial plan. The key for boosting long-term investment returns is being smart about tax efficiency.
Learn MoreIntergenerational Wealth Planning
Highly-skilled accountants and estate attorneys are vital to constructing sound wealth-transfer plans, but sometimes it is the matters these experts cannot address that pose the greatest challenges.
Learn MoreLocation
201 E. Pine Street
Ste 1100
Orlando, FL 32801
US
Direct:
(407) 849-4792(407) 849-4792
2 North Tamiami Trail
Suite 1100
Sarasota, FL 34236
US
Direct:
(407) 849-4700(407) 849-4700
Meet The Accelerando Group
Senior Vice President, Wealth Management, Financial Advisor, Family Wealth Advisor, Alternative Investments Director
Phone:
(941) 363-8508(941) 363-8508
Phone:
(941) 364-3552(941) 364-3552
Phone:
(941) 364-3536(941) 364-3536
Henley Ridore
Registered Client Service Associate
Phone:
(407) 849-4701(407) 849-4701
Jeisier Gonzalez
Registered Client Service Associate
Phone:
(407) 849-4762(407) 849-4762
About Edward Ho
Edward Ho is an Alternative Investments Director and CERTIFIED INVESTMENT MANAGEMENT ANALYST® at Morgan Stanley. With more than 25 years of experience in the financial services industry, Edward focuses on delivering a core financial plan for his clients that is then backfilled by the appropriate investments to help ensure the client meets their financial goal.
Edward received his B.S. in Biology and MBA in finance from Vanderbilt University. Upon graduation, he joined the financial services industry working his way up to the position of portfolio manager. He then transitioned to the role of a Financial Advisor at Morgan Stanley. Edward earned CERTIFIED INVESTMENT MANANGMENT ANLAYST® designation to help ensure he brings the most up-to-date skills and analysis to his clients' financial plans. As a CIMA® professional, Edward combines his advanced knowledge in investment and portfolio management to help ensure his clients are correctly allocated to achieve their outlined goals. This combination of skills and investment knowledge is a great benefit to clients and the team as a whole. As a result of Edward's exceptional portfolio management skills, he has been designated as a Senior Portfolio Manager within Morgan Stanley.
Deeply involved in his community, Edward is a key member in Habitat for Humanity, a non-for-profit that aims to build affordable housing, revitalize neighborhoods, and strengthen communities. In his free time, Edward enjoys spending time participating in the CFA association, playing the violin, and honoring God through the Winter Park Episcopal Church.
Edward received his B.S. in Biology and MBA in finance from Vanderbilt University. Upon graduation, he joined the financial services industry working his way up to the position of portfolio manager. He then transitioned to the role of a Financial Advisor at Morgan Stanley. Edward earned CERTIFIED INVESTMENT MANANGMENT ANLAYST® designation to help ensure he brings the most up-to-date skills and analysis to his clients' financial plans. As a CIMA® professional, Edward combines his advanced knowledge in investment and portfolio management to help ensure his clients are correctly allocated to achieve their outlined goals. This combination of skills and investment knowledge is a great benefit to clients and the team as a whole. As a result of Edward's exceptional portfolio management skills, he has been designated as a Senior Portfolio Manager within Morgan Stanley.
Deeply involved in his community, Edward is a key member in Habitat for Humanity, a non-for-profit that aims to build affordable housing, revitalize neighborhoods, and strengthen communities. In his free time, Edward enjoys spending time participating in the CFA association, playing the violin, and honoring God through the Winter Park Episcopal Church.
Securities Agent: WV, WI, WA, VT, VA, UT, TX, TN, SC, RI, PA, OR, OH, NY, NJ, NH, NC, MT, MO, MN, MI, ME, MD, MA, KY, KS, IN, IL, IA, GA, FL, DE, DC, CT, CO, CA, AZ, AR, AL, HI; General Securities Representative; Investment Advisor Representative
NMLS#: 1597627
NMLS#: 1597627
About Jean-Pierre Gobic
JP was born in Manhattan, NY. He studied undergraduate at Adelphi University in Garden City, NY and graduate at Fordham University in Bronx, NY. He moved to Sarasota in 1999 with his wife and son.
In Sarasota, JP began his financial career with Merrill Lynch. In 2001 he transitioned to UBS Financial Services where he practiced wealth management while focusing on the specialized needs of affluent families. During his tenure with UBS his practice evolved from traditional financial advisory services to incorporate institutional investments such as Hedge Funds and Private Equity Funds in his clients’ portfolios. In 2010, JP progressed to Morgan Stanley in order to provide his clients with team-based wealth management and comprehensive financial services which include family wealth preservation and multigenerational legacy planning.
During his time off work he enjoys mountain biking, skiing, sporting clays, fishing and taking their dogs to the park. JP is proud to give back to the community as a Rotarian with the Sarasota Rotary Club.
In Sarasota, JP began his financial career with Merrill Lynch. In 2001 he transitioned to UBS Financial Services where he practiced wealth management while focusing on the specialized needs of affluent families. During his tenure with UBS his practice evolved from traditional financial advisory services to incorporate institutional investments such as Hedge Funds and Private Equity Funds in his clients’ portfolios. In 2010, JP progressed to Morgan Stanley in order to provide his clients with team-based wealth management and comprehensive financial services which include family wealth preservation and multigenerational legacy planning.
During his time off work he enjoys mountain biking, skiing, sporting clays, fishing and taking their dogs to the park. JP is proud to give back to the community as a Rotarian with the Sarasota Rotary Club.
Securities Agent: MA, UT, CT, OH, NY, GA, DE, TX, MO, SC, WV, VT, WI, CO, IA, TN, VA, KY, KS, WA, NH, ME, FL, MD, HI, DC, IL, OR, RI, AL, AZ, CA, IN, MI, MT, NC, NJ, PA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1398719
NMLS#: 1398719
About Edward Paul Magda
Edward Magda is our Fixed Income Portfolio Manager overseeing $250MM in assets for our clients. Ed joined Morgan Stanley in 2010 where he worked on the bond trading desk in NY before joining the team in 2015 as a Financial Advisor/Portfolio Manager. He has over 30-years’ experience in the financial services industry primarily in the fixed income markets. Before joining Morgan Stanley, Ed was a Portfolio Manager/trader at Franklin Templeton and United States Trust Company where he managed bond portfolios for ultra-high net worth individuals and family offices. Prior to that Ed held similar positions at Oppenheimer Capital managing and trading fixed income portfolios. Ed began his career on the commodities desk at The Bank of Tokyo in New York where he traded financial futures and options for institutional accounts.
Securities Agent: WI, TN, DE, RI, OH, MO, IA, DC, UT, TX, ME, CO, LA, VT, MI, KS, NJ, KY, FL, CT, AR, MD, HI, AZ, WV, MT, IL, WA, OR, NH, MA, GA, CA, AL, VA, SC, PA, NY, NC, MN, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 1428654
CA Insurance License #: OL75677
NMLS#: 1428654
CA Insurance License #: OL75677
About Joe Dean
Joe joined Morgan Stanley as a Financial Advisor and Financial Planning Specialist after a 26-year career in finance and accounting including the Chief Financial Officer position for several public and private companies in Southwest Florida. His focus is on Financial Planning, Portfolio Risk Analysis, Separately Managed Accounts, and Alternative Investments.
Joe graduated from the University of Missouri with a BSBA in Accounting and also completed his Master of Business Administration degree at the University of South Florida, Executive MBA Program in Tampa, Florida. He is a Non-Practicing Certified Public Accountant with the Missouri State Board of Accountancy. He currently holds the Series 7, 31 and 66 securities licenses.
Joe lives in Sarasota with his wife Ann. They have three adult children: Joey, Casey and Katy.
Joe graduated from the University of Missouri with a BSBA in Accounting and also completed his Master of Business Administration degree at the University of South Florida, Executive MBA Program in Tampa, Florida. He is a Non-Practicing Certified Public Accountant with the Missouri State Board of Accountancy. He currently holds the Series 7, 31 and 66 securities licenses.
Joe lives in Sarasota with his wife Ann. They have three adult children: Joey, Casey and Katy.
Securities Agent: FL, CO, NC, VT, MD, MI, VA, IA, AR, RI, NJ, MO, PA, AL, MN, CT, KS, OH, TN, WV, ME, UT, SC, GA, DE, CA, WA, HI, MT, NY, DC, IL, TX, MA, KY, AZ, IN, OR, WI, NH; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1262129
NMLS#: 1262129
About Henley Ridore
Henley Ridore is a Registered Client Service Associate working with Morgan Stanley since 2021. Henley received his B.S. in Health Service Administration from University of Central Florida in 2018 and a MBA with a specialization in Finance from The University of Texas of the Permian Basin in 2021. Prior to Morgan Stanley, Henley served as a Registered Relationship Banker at Wells Fargo. Henley currently holds a license in Series 63, 66, 6 and 7.
His primary focus is centered on developing and maintaining client relationships through active engagement and communication with new and existing clients. Taking the lead on duties such as client onboarding, trade execution, resolving inquiries, and ensuring key information and documentation remains current and in compliance.
When not assisting clients and seeing to the needs of the day, Henley is an avid reader. One of his favorite authors is Ryan Holiday and the novel The Obstacle is the Way. When not immersed in a book, he enjoys jogging and frequent road trips along the east coast with his wife.
Areas of Focus:
• Relationship Management
• Operational Support
• Risk and Compliance
• Trading
His primary focus is centered on developing and maintaining client relationships through active engagement and communication with new and existing clients. Taking the lead on duties such as client onboarding, trade execution, resolving inquiries, and ensuring key information and documentation remains current and in compliance.
When not assisting clients and seeing to the needs of the day, Henley is an avid reader. One of his favorite authors is Ryan Holiday and the novel The Obstacle is the Way. When not immersed in a book, he enjoys jogging and frequent road trips along the east coast with his wife.
Areas of Focus:
• Relationship Management
• Operational Support
• Risk and Compliance
• Trading
About Jeisier Gonzalez
Jeisier Gonzalez is a Client Service Associate for The Accelerando Group at Morgan Stanley working alongside Henley Ridore, providing comprehensive support to financial advisors and delivering exceptional service to clients. Bilingual in Spanish and English, with Series 7, Series 63, and 2-14 Insurance and Variable Annuities licenses, he ensures efficient management of client accounts and seamless execution of financial transactions.
Prior to joining Morgan Stanley, Jeisier worked as a Relationship Banker at Wells Fargo, focusing on client relationship management and personalized financial solutions. Committed to upholding the highest standards of professionalism, he focuses on fostering long-term client relationships through tailored support and strategic problem-solving.
Outside of work, Jeisier enjoys playing chess and watching movies, with The Shawshank Redemption and Back to the Future among personal favorites.
Prior to joining Morgan Stanley, Jeisier worked as a Relationship Banker at Wells Fargo, focusing on client relationship management and personalized financial solutions. Committed to upholding the highest standards of professionalism, he focuses on fostering long-term client relationships through tailored support and strategic problem-solving.
Outside of work, Jeisier enjoys playing chess and watching movies, with The Shawshank Redemption and Back to the Future among personal favorites.
Contact Edward Ho
Contact Jean-Pierre Gobic
Contact Edward Paul Magda
Contact Joe Dean
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Brian Kerns
Lead Private Banker
Kevin Ryan, CFP®
Financial Planning Director, Vice President
Jim Kaiser
Planning Associate
About Brian Kerns
Brian Kerns is a Private Banker serving Morgan Stanley Wealth Management offices in Florida.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Brian began his career in financial services in 2004, and joined Morgan Stanley in 2018. Prior to joining the firm, he was a Senior Premier Banker at SunTrust. He also served as a Wealth Management Banker at the Merrill Lynch.
Brian is a graduate of the University of North Florida, where he received a Bachelor of Business Administration in Business Management. Brian resides in Lake Mary, Florida with his wife and children. Outside of the office, he enjoys playing golf and coaching his son T-ball team.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Brian began his career in financial services in 2004, and joined Morgan Stanley in 2018. Prior to joining the firm, he was a Senior Premier Banker at SunTrust. He also served as a Wealth Management Banker at the Merrill Lynch.
Brian is a graduate of the University of North Florida, where he received a Bachelor of Business Administration in Business Management. Brian resides in Lake Mary, Florida with his wife and children. Outside of the office, he enjoys playing golf and coaching his son T-ball team.
NMLS#: 652554
About Kevin Ryan
Kevin Ryan grew up in Merrick, Long Island and is the third oldest of eight children. As a student-athlete, he played basketball in high school, at Colgate University, and professionally in Luxembourg.
His career in Wealth Management began as a Financial Planner for SunTrust (Truist) eventually moving into the Ultra High Net Worth arena as a Senior Financial Adviser at the Merrill Lynch Palm Beach office and as the Wealth Strategist for BBVA Compass. He most recently served as a Wealth Management Adviser for C-Suite Executives at Goldman Sachs.
Kevin has two master’s degrees: an MBA from the University of North Carolina at Charlotte, and an MAFM (Master of Accounting and Financial Management) from the Keller Graduate School of Management.
Additionally, he holds six financial designations including: Certified Public Accountant (CPA); Certified Financial Planner (CFP®); Trust and Estate Practitioner (TEP); Certified Trust Financial Adviser (CTFA); Chartered Life Underwriter (CLU); and Chartered Financial Consultant (ChFC)
He has been married to Liliana Ryan for over 14 years and enjoys swimming, exercising, and classic rock.
His career in Wealth Management began as a Financial Planner for SunTrust (Truist) eventually moving into the Ultra High Net Worth arena as a Senior Financial Adviser at the Merrill Lynch Palm Beach office and as the Wealth Strategist for BBVA Compass. He most recently served as a Wealth Management Adviser for C-Suite Executives at Goldman Sachs.
Kevin has two master’s degrees: an MBA from the University of North Carolina at Charlotte, and an MAFM (Master of Accounting and Financial Management) from the Keller Graduate School of Management.
Additionally, he holds six financial designations including: Certified Public Accountant (CPA); Certified Financial Planner (CFP®); Trust and Estate Practitioner (TEP); Certified Trust Financial Adviser (CTFA); Chartered Life Underwriter (CLU); and Chartered Financial Consultant (ChFC)
He has been married to Liliana Ryan for over 14 years and enjoys swimming, exercising, and classic rock.
About Jim Kaiser
Jim Kaiser is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Jim provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from The King’s College and received the Financial Planning Specialist® designation from the College for Financial Planning. Jim is originally from St. Louis, MO and currently resides in New York City.
He earned his undergraduate degree from The King’s College and received the Financial Planning Specialist® designation from the College for Financial Planning. Jim is originally from St. Louis, MO and currently resides in New York City.
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
A Simple Six-Step Retirement Checkup
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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
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact The Accelerando Group today.
1Alternative 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan 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
4When 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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.
8When 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.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Investors 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.
11Morgan 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.
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.
13Morgan 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.
14An 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.
15Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
16Products 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.
17Morgan 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.
18The 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.
19Morgan 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.
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.
2Morgan 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.
3Morgan 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
4When 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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.
8When 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.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Investors 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.
11Morgan 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.
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.
13Morgan 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.
14An 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.
15Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
16Products 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.
17Morgan 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.
18The 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.
19Morgan 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.
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)
