Brian Albach
Managing Director, Wealth Management, Wealth Advisor, Senior Portfolio Management Director
Phone:
(513) 762-5366(513) 762-5366
The Albach, Wells & Dauer Group at Morgan Stanley
Direct:
(513) 762-5360(513) 762-5360
Toll-Free:
(800) 543-2665(800) 543-2665
Our Mission Statement
Using knowledge, experience and research to construct and manage custom portfolios and wealth management strategies for clients and their families.
Welcome
At the heart of any wealth management program is an investment portfolio. An effective portfolio is a key component to helping ensure your short-, medium- and long-term financial goals. So, what’s the best possible way to construct and maintain an investment portfolio?
At the Albach, Wells & Dauer Group at Morgan Stanley, we believe in creating custom portfolios that reflect a disciplined approach. We rely on investment models that use established, strategic, thoroughly researched criteria for portfolio construction. We also believe that your portfolio should be part of an overall wealth management strategy, so that all your financial choices reflect your goals. The credentials of our team mirror this approach – all of our founders are senior portfolio managers, while the team also has two CFP® professionals. We also believe in uncompromising client service and have an experienced team that strives to ensure that every client gets whatever they need in a timely, efficient manner. Many of our clients have been with us across generations.
At the Albach, Wells & Dauer Group at Morgan Stanley, we believe in creating custom portfolios that reflect a disciplined approach. We rely on investment models that use established, strategic, thoroughly researched criteria for portfolio construction. We also believe that your portfolio should be part of an overall wealth management strategy, so that all your financial choices reflect your goals. The credentials of our team mirror this approach – all of our founders are senior portfolio managers, while the team also has two CFP® professionals. We also believe in uncompromising client service and have an experienced team that strives to ensure that every client gets whatever they need in a timely, efficient manner. Many of our clients have been with us across generations.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Customized Equity Portfolios
At the Albach, Wells & Dauer Group at Morgan Stanley, we combine exceptional knowledge and credentials with nearly 95 years of combined experience assembling and managing client portfolios. With that backdrop, we have developed a series of criteria we use to help clients achieve their goals:
Focus on balance sheets.
Our equity portfolios are concentrated in companies with some of the strongest balance sheets in the world.
Maintain discipline.
We adhere to strict, pre-determined buy and sell criteria driven by earnings estimate revisions.
Control risk.
We believe in selecting individual issues rather than funds, because it allows us to better balance performance with market volatility.
Create balance.
Growth is important, but is generally best balanced by strong dividends.
Look for dividend growth.
We seek companies that pay an above-average dividend yield, which can provide dividend growth even in the face of market volatility.
Pursue earnings growth acceleration.
Historically, the single biggest driver of returns in the stock market has been earnings growth.
Our 5-step System for Working with You
Understanding You and Your Needs
We begin with an in-depth exploration of where you are today, your family, your goals and concerns. We review your assets and all other elements of your financial situation, identify any potential shortfalls and address the impact of unexpected life events.
Tailoring a Solution for Your Specific Goals
We create a comprehensive wealth management plan that addresses your individual income and cash flow needs, investment objectives and guidelines, and risk/return parameters.
Implementing Your Plan
We work with you to access appropriate strategies, services and programs designed to help grow, preserve and transfer your wealth – all aligned with your clearly articulated goals and aspirations.
First Follow Up Meeting
Professional organization can make a huge difference. So, we strive to ensure that your information is complete, that you are fluent with the tools and technology you need, that your records are clear, complete and accessible.
Regular Portfolio Review Meetings
Our portfolios are flexible and organic, so regular review meetings are crucial. They provide us an opportunity to review any major changes in your personal or financial situation and make adjustments. We also review your overall progress toward your long term goals.
How Our Clients Think and Act
How do you choose a financial advisor? With so many options, we think the best way is to select a team that reflects your own preferences, values and wealth strategy. An excellent measuring stick is the team’s existing clients.
What are they like? How do they think? What do they want from their financial advisor?
Here are some high-level characteristics that many of our clients share:
• They are active and want an advisor they can trust to manage their wealth as if they were doing it themselves.
• They prefer a team with exceptional credentials and experience.
• They expect a defined, consistent strategy and specific criteria for all recommendations.
• They are often families who wish for a generational approach to wealth.
• They are long-range thinkers when it comes to retirement and personal goals.
• They want transparency, frank conversations and open communication regarding all planning, investments and expectations.
While each client is unique both personally and professionally, they all have one thing in common: they are focused on achieving specific financial goals to secure their family’s financial future and pursue their personal passions.
What are they like? How do they think? What do they want from their financial advisor?
Here are some high-level characteristics that many of our clients share:
• They are active and want an advisor they can trust to manage their wealth as if they were doing it themselves.
• They prefer a team with exceptional credentials and experience.
• They expect a defined, consistent strategy and specific criteria for all recommendations.
• They are often families who wish for a generational approach to wealth.
• They are long-range thinkers when it comes to retirement and personal goals.
• They want transparency, frank conversations and open communication regarding all planning, investments and expectations.
While each client is unique both personally and professionally, they all have one thing in common: they are focused on achieving specific financial goals to secure their family’s financial future and pursue their personal passions.
2019-2021 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019-2021). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Feb 2018) Data compiled by SHOOK Research LLC based on time period from 6/30/16 - 6/30/17.
Barron's Top 100 Financial Advisors
Source: Barron's.com (Awarded Apr 2009) Data compiled by Barron's based on time period from Dec 2007 - Dec 2008.
Source: Forbes.com (Awarded 2019-2021). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Feb 2018) Data compiled by SHOOK Research LLC based on time period from 6/30/16 - 6/30/17.
Barron's Top 100 Financial Advisors
Source: Barron's.com (Awarded Apr 2009) Data compiled by Barron's based on time period from Dec 2007 - Dec 2008.
- Brian Albach, named one of Forbes' 2019-2021 Best-in-State Wealth Advisors
- Gregory Wells, named one of Forbes' 2019-2021 Best-in-State Wealth Advisors
- Stephen Dauer, named one of Forbes' 2019-2021 Best-in-State Wealth Advisors
- Brian Albach was named to Forbes' Inaugural List of Best-in-State Wealth Advisors: 2018
- 2009 Top Ohio Advisor, Barron's Top 1000 FA's, "Top 40 Under 40" in On Wall Street in 2007.
Location
7755 Montgomery Road 2nd
2nd Floor Suite 200
Cincinnati, OH 45236
US
Direct:
(513) 762-5360(513) 762-5360
Toll-Free:
(800) 543-2665(800) 543-2665
Meet The Albach, Wells & Dauer Group
Gregory B Wells
Managing Director, Wealth Management, Wealth Advisor, Senior Portfolio Management Director
Phone:
(513) 762-5367(513) 762-5367
Stephen E Dauer, CFP®, ChFC®, CLU®
Managing Director, Wealth Management, Wealth Advisor, Senior Portfolio Management Director, Workplace Advisor – Equity Compensation
Phone:
(513) 762-5368(513) 762-5368
Frederick Albach
Financial Advisor, Financial Planning Specialist
Phone:
(312) 827-6892(312) 827-6892
Lauren R. Best, CFP®
Assistant Vice President, Financial Planning Analyst
Phone:
(513) 762-5371(513) 762-5371
Kassie M. Potter
Group Director
Phone:
(513) 762-5364(513) 762-5364
Meg Brenner
Wealth Management Associate
Phone:
(513) 762-5370(513) 762-5370
Jessica Marohn
Wealth Management Associate
Phone:
(513) 762-5250(513) 762-5250
Cassidy Carr
Client Service Associate
Phone:
(513) 762-5369(513) 762-5369
About Brian K Albach
Brian is a founding member of the Albach, Wells and Dauer Group at Morgan Stanley. His focus on the team is portfolio management. In particular, Brian navigates the equity markets to construct and manage equity portfolios for clients to seek returns that are greater than the broad market may provide with less risk. His advancement to Managing Director recognizes Brian’s exceptional commitment to his clients as well as ongoing contributions to the success of the Team.
Brian is a seasoned veteran of the financial services industry, having begun his career in 1990. He has earned a number of honors and distinctions, including, most recently in 2023, recognition in Forbes Magazine’s Inaugural List of America’s Top Wealth Advisors: State-by-State in 2018; and on their List of America’s Best-in-State Wealth Advisors in 2019, 2020 and 2021, 2022 and 2023.
Brian graduated from Miami University with dual degrees in Finance and Decision Sciences. He earned the designation of Senior Portfolio Management Director, demonstrating his skill and experience in portfolio construction and management.
Originally from the Cincinnati area, Brian currently resides in Mt. Lookout. When Brian is not serving his clients he enjoys spending time with his wife and four kids, traveling, reading, and playing a round of golf.
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Brian is a seasoned veteran of the financial services industry, having begun his career in 1990. He has earned a number of honors and distinctions, including, most recently in 2023, recognition in Forbes Magazine’s Inaugural List of America’s Top Wealth Advisors: State-by-State in 2018; and on their List of America’s Best-in-State Wealth Advisors in 2019, 2020 and 2021, 2022 and 2023.
Brian graduated from Miami University with dual degrees in Finance and Decision Sciences. He earned the designation of Senior Portfolio Management Director, demonstrating his skill and experience in portfolio construction and management.
Originally from the Cincinnati area, Brian currently resides in Mt. Lookout. When Brian is not serving his clients he enjoys spending time with his wife and four kids, traveling, reading, and playing a round of golf.
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Securities Agent: PA, AL, VA, LA, IN, AZ, WI, TX, TN, IL, GA, CO, NY, MI, MA, NV, NH, KS, FL, SD, OK, NJ, KY, OR, DC, AR, NM, NC, MN, HI, WA, MO, CT, WV, SC, RI, OH, MT, MD, CA, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 1826750
NMLS#: 1826750
About Gregory B Wells
Greg is a co-founder of the Albach, Wells and Dauer Group at Morgan Stanley. He and Brian have worked side by side since 1990, when they shared a computer, while focusing on helping create wealth for their clients. Early on they found the best possible way to do this was through proactive and disciplined asset management.
Greg has committed his wealth of experience to both manage existing client portfolios and identify companies that are potentially entering a strong growth phase. With his thoughtful approach, he helps clients define, articulate and reach their goals through comprehensive, informed investment and wealth management techniques.
Greg earned a Degree in Finance from the University of Kentucky. His designation of Senior Portfolio Management Director attests to his deep knowledge and vast experience in helping clients invest to reach their goals. He is recognized as one of the Best-in-State Wealth Advisors by Forbes Magazine in 2018, 2019, 2020, 2021, 2022, and 2023.
Greg moved from Lexington, KY to Cincinnati in 1990 and currently lives in Mariemont. He enjoys spending time with his wife, Lila, and their three boys participating in various outdoor activities such as golf, fly fishing and snow skiing. He also enjoys a good book in his personal time.
2019,2020 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019,2020). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Greg has committed his wealth of experience to both manage existing client portfolios and identify companies that are potentially entering a strong growth phase. With his thoughtful approach, he helps clients define, articulate and reach their goals through comprehensive, informed investment and wealth management techniques.
Greg earned a Degree in Finance from the University of Kentucky. His designation of Senior Portfolio Management Director attests to his deep knowledge and vast experience in helping clients invest to reach their goals. He is recognized as one of the Best-in-State Wealth Advisors by Forbes Magazine in 2018, 2019, 2020, 2021, 2022, and 2023.
Greg moved from Lexington, KY to Cincinnati in 1990 and currently lives in Mariemont. He enjoys spending time with his wife, Lila, and their three boys participating in various outdoor activities such as golf, fly fishing and snow skiing. He also enjoys a good book in his personal time.
2019,2020 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019,2020). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: WV, AL, SD, RI, MA, LA, FL, AZ, WI, TN, NM, MT, MN, MD, DE, PA, KY, GA, DC, WA, SC, OK, NC, VA, OH, NV, NJ, MO, KS, IN, CO, AR, TX, OR, CA, CT, NY, NH, MI, IL; General Securities Representative; Investment Advisor Representative
About Stephen E Dauer
Steve adds extensive training in planning and wealth management to the team. His impressive credentials and varied experience provide an important perspective to helping clients reach their goals.
Steve began his career in the insurance industry, with its focus on risk and long-term planning after obtaining his Degree from Wake Forest. He moved to financial services in 2001 when he co-founded the Albach, Wells and Dauer Group. Joining Brian and Greg, Steve was also named on the Forbes Best-in-State Wealth Advisors list in 2019,2020, 2021, 2022, and 2023.
Steve has earned the prestigious CERTIFIED FINANCIAL PLANNER™ or CFP® certification, a credential that requires hundreds of hours of study and ongoing recertification. He is also a Chartered Financial Consultant®, (ChFC®) and Chartered Life Underwriter® (CLU®). He also offers knowledge of Equity Compensation.
Originally from Boston, MA, Steve currently resides in Ft. Thomas, KY with his wife, Mari and their four children. Steve enjoys reading, golfing, and spending time with his family.
Steve began his career in the insurance industry, with its focus on risk and long-term planning after obtaining his Degree from Wake Forest. He moved to financial services in 2001 when he co-founded the Albach, Wells and Dauer Group. Joining Brian and Greg, Steve was also named on the Forbes Best-in-State Wealth Advisors list in 2019,2020, 2021, 2022, and 2023.
Steve has earned the prestigious CERTIFIED FINANCIAL PLANNER™ or CFP® certification, a credential that requires hundreds of hours of study and ongoing recertification. He is also a Chartered Financial Consultant®, (ChFC®) and Chartered Life Underwriter® (CLU®). He also offers knowledge of Equity Compensation.
Originally from Boston, MA, Steve currently resides in Ft. Thomas, KY with his wife, Mari and their four children. Steve enjoys reading, golfing, and spending time with his family.
Securities Agent: NH, MO, HI, CO, NC, CA, LA, GA, AZ, AR, VA, SD, RI, PA, IL, FL, DC, WA, TN, OR, NV, NM, MN, IN, AL, WV, TX, MT, MI, OH, KY, DE, SC, NJ, MA, OK, MD, KS, CT, WI, NY; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1785336
NMLS#: 1785336
About Frederick Albach
Born and raised in Cincinnati, Freddie is a new member of the Albach, Wells, and Dauer Group at Morgan Stanley. As a Financial Advisor, Freddie focuses on the next generation of investors – committed to helping them define, articulate, and reach their financial goals by addressing needs such as retirement planning, tax minimization, education funding, and custom portfolio management.
Freddie holds the FINRA Series 7 and 66 licenses as well as his Financial Planning Specialist (FPS) designation. He graduated from The Ohio State University with a degree in Finance. During his time there, he was a member of the Sigma Chi fraternity and a member of the analyst team helping manage The Ohio State Endowment Fund's equity portfolio.
Freddie currently resides in Chicago, IL in the Gold Coast area. When he is not working, he enjoys spending time with his friends & family, playing golf, traveling, and rooting for his Bengals & Reds.
Freddie holds the FINRA Series 7 and 66 licenses as well as his Financial Planning Specialist (FPS) designation. He graduated from The Ohio State University with a degree in Finance. During his time there, he was a member of the Sigma Chi fraternity and a member of the analyst team helping manage The Ohio State Endowment Fund's equity portfolio.
Freddie currently resides in Chicago, IL in the Gold Coast area. When he is not working, he enjoys spending time with his friends & family, playing golf, traveling, and rooting for his Bengals & Reds.
Securities Agent: WY, WV, WA, VT, VI, VA, UT, TX, TN, SD, SC, RI, PR, PA, OR, OK, OH, NY, NV, NM, NJ, WI, NH, NE, ND, NC, MT, MS, MO, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AR, AL, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 2517444
NMLS#: 2517444
About Lauren R. Best, CFP®
Having helped to expand the team’s financial and retirement planning practice, Lauren works closely with clients to help them construct comprehensive plans tailored to their specific needs, goals and challenges while making complex topics easy to understand.
Lauren’s experience as a working mom provides deep understanding of the special balance between work life and family life. Using firsthand experience, she guides families in making critical financial decisions – from buying a home, to saving for college, to funding retirement and everything in between. Lauren understands the importance of bringing in tax, legal and insurance professionals as necessary to help develop and implement strategies while coordinating a client’s goals with the investment management program. Most importantly, Lauren loves helping to simplify a clients’ financial life so they can spend more time enjoying what matters most.
Since entering the financial services industry in 2003, Lauren has earned the prestigious Certified Financial Planner® (CFP®) certification, and has become a member of the Financial Planning Association. Lauren joined the Albach, Wells and Dauer Group in 2011 as a Registered Associate, transitioned to the Group Director role in 2019 and then to her current position of Financial Planning Analyst in 2021. She earned a Bachelor’s Degree in Finance from Northern Kentucky University and went on to earn her Master’s Degree in Accounting. She lives in Union, KY with her husband, Scott, and their two daughters. In her free time, Lauren enjoys a good workout, traveling and most of all, spending time with family.
Lauren’s experience as a working mom provides deep understanding of the special balance between work life and family life. Using firsthand experience, she guides families in making critical financial decisions – from buying a home, to saving for college, to funding retirement and everything in between. Lauren understands the importance of bringing in tax, legal and insurance professionals as necessary to help develop and implement strategies while coordinating a client’s goals with the investment management program. Most importantly, Lauren loves helping to simplify a clients’ financial life so they can spend more time enjoying what matters most.
Since entering the financial services industry in 2003, Lauren has earned the prestigious Certified Financial Planner® (CFP®) certification, and has become a member of the Financial Planning Association. Lauren joined the Albach, Wells and Dauer Group in 2011 as a Registered Associate, transitioned to the Group Director role in 2019 and then to her current position of Financial Planning Analyst in 2021. She earned a Bachelor’s Degree in Finance from Northern Kentucky University and went on to earn her Master’s Degree in Accounting. She lives in Union, KY with her husband, Scott, and their two daughters. In her free time, Lauren enjoys a good workout, traveling and most of all, spending time with family.
About Kassie M. Potter
Kassie Potter is the Group Director for The Albach Wells & Dauer Group at Morgan Stanley, a Private Wealth Management team consisting of eight financial professionals. The group manages over $1.6 billion in assets, with a concentration in managing custom portfolios, financial planning, and tailored lending strategies.
Kassie's career began with The Albach Wells and Dauer Group in 2011. She plays a key role in delivering exceptional client service, supporting the Financial Advisors in the development and execution of their business plan, identifying client opportunities, and overseeing client meetings and events. As Group Director, she supports the team holistically while being able to adapt and multi-task.
Kassie currently resides in Loveland with her husband, Matt, and their son, William. Outside of the office, she enjoys working out, traveling, and reading.
Kassie's career began with The Albach Wells and Dauer Group in 2011. She plays a key role in delivering exceptional client service, supporting the Financial Advisors in the development and execution of their business plan, identifying client opportunities, and overseeing client meetings and events. As Group Director, she supports the team holistically while being able to adapt and multi-task.
Kassie currently resides in Loveland with her husband, Matt, and their son, William. Outside of the office, she enjoys working out, traveling, and reading.
About Meg Brenner
Meg joined The Albach, Wells and Dauer Group in 2021, Meg is responsible for a broad range of administrative and operational tasks – from contact management and client relations to being the go to for modern wealth digital initiatives.
Meg earned a degree in Elementary Education and Language Arts and Humanities from Indiana University. After moving to Cincinnati in 2009 with her husband, she worked at a local law firm as a legal assistant over the last decade. She currently resides in Madeira with her husband and three children and enjoys spending time with family and friends, outdoor activities and cheering her kids on from the sideline.
Meg earned a degree in Elementary Education and Language Arts and Humanities from Indiana University. After moving to Cincinnati in 2009 with her husband, she worked at a local law firm as a legal assistant over the last decade. She currently resides in Madeira with her husband and three children and enjoys spending time with family and friends, outdoor activities and cheering her kids on from the sideline.
About Jessica Marohn
Jessica joined The Albach, Wells & Dauer Group in 2021. A detail-oriented and analytical professional, Jessica enjoys building strong client relationships as she provides a broad range of services that include investment analysis, research, and new business development. Committed to providing each client with the highest level of personal service, she pinpoints client needs, then applies her skills to identify and implement appropriate solutions. In addition, Jessica provides the operational support that guides the discipline behind the management of client portfolios.
A native of Nashville, Tennessee, Jessica earned her degree in Education from Tennessee Technological University. She currently resides in Madeira with her husband and two children. Jessica enjoys spending time with her family, gardening, reading, and anything outdoors-related.
A native of Nashville, Tennessee, Jessica earned her degree in Education from Tennessee Technological University. She currently resides in Madeira with her husband and two children. Jessica enjoys spending time with her family, gardening, reading, and anything outdoors-related.
About Cassidy Carr
Cassi joined The Albach Wells & Dauer Group as a Client Service Associate in 2023. She has three years of experience in the wealth-management industry and is excited to further grow her knowledge and experience. Her background in life insurance and marketing developed her dedication to helping ensure clients receive an exceptional level of service and their needs are met throughout the wealth-management process. Her skills include social-media management and fostering healthy client relationships.
Cassi is a Cincinnati native and a UC Bearcat. She is active military and served 10 years in the US Army as Military Police. In 2016, she served in Guantanamo Bay.
Cassi resides in West Chester with her growing family. When she’s not the office, she enjoys reading, softball, and walking her dog, Juice.
Cassi is a Cincinnati native and a UC Bearcat. She is active military and served 10 years in the US Army as Military Police. In 2016, she served in Guantanamo Bay.
Cassi resides in West Chester with her growing family. When she’s not the office, she enjoys reading, softball, and walking her dog, Juice.
Contact Brian Albach
Contact Gregory B Wells
Contact Stephen E Dauer
Contact Frederick Albach
Wealth Management
From Our Team
Better Rewards for You and Your Family
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
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Creating customized financial strategies for the challenges that today’s families face.
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Are You Prepared for Tax Day?
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
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Financial Planning for Life After Selling a Business
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Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
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Donor Advised Funds: A Smart Way to Manage Your Giving
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Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
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- Set themselves apart by offering comprehensive financial wellness benefits.
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Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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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.
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan 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.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
6When 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.
7Products 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.
8Morgan 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
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)
