The Allison Buxbaum Group at Morgan Stanley
Our Mission Statement
Deliver real-world knowledge and independent thinking to help clients reach their goals and attain their definition of success.
Our Story and Services
The Allison Buxbaum Group is a highly skilled team of professionals that you can trust to help you achieve your long-term financial well-being. Our holistic approach to wealth management puts client needs at the center of everything we do. We provide "big picture" thinking and innovative solutions designed to help clients attain their definition of success. We believe our role goes beyond portfolio management and extends to providing solutions that can give you greater freedom to pursue the things in life you enjoy.
Clients at various stages in their lives trust us to help them find ways to pursue their financial and life goals, including:
• The retirement lifestyle they envision
• Affording the best education possible for their children and grandchildren
• Tax-efficient wealth transfer to the next generation
• Establishment of their legacy through family foundations and philanthropy
• Diversifying and monetizing business interests
• Effective strategies for managing concentrated equity holdings
• Efficient financing alternatives for both short and long-term needs.
Clients at various stages in their lives trust us to help them find ways to pursue their financial and life goals, including:
• The retirement lifestyle they envision
• Affording the best education possible for their children and grandchildren
• Tax-efficient wealth transfer to the next generation
• Establishment of their legacy through family foundations and philanthropy
• Diversifying and monetizing business interests
• Effective strategies for managing concentrated equity holdings
• Efficient financing alternatives for both short and long-term needs.
Services Include
- Professional Portfolio ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Planning for Education FundingFootnote4
- Estate Planning StrategiesFootnote5
- Cash ManagementFootnote6
- Alternative InvestmentsFootnote7
- 401(k) Rollovers
- Trust ServicesFootnote8
- Wealth ManagementFootnote9
- Executive Financial ServicesFootnote10
- Endowments and FoundationsFootnote11
- Corporate Retirement PlansFootnote12
- Business Succession PlanningFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheckLink Opens in New Tab.*
We recognize that our role as your trusted advisor must be earned. Our reputation has been built over many years, one client relationship at a time. We appreciate the trust that clients have placed in us, and we don't take the responsibility of managing wealth lightly.
We understand the demands and responsibilities of wealth. You can count on unfettered access to our team, our broad skill base and the specialized resources we provide. Whatever the circumstances, you can expect tailored advice and solutions that are geared toward your best interest.
Our team consists of four experienced partners with over 100 years of combined industry experience and four registered support professionals with over 60 years of combined experience. Our collective knowledge has helped clients navigate the turbulence of the markets through entire business cycles to deliver a disciplined long-term approach to wealth management.
This experience allows our team to leverage the vast resources of Morgan Stanley to create unbiased solutions and strategies. The special combination of real-world knowledge and independent thinking helps us address complex financial issues for our clients.
We understand the demands and responsibilities of wealth. You can count on unfettered access to our team, our broad skill base and the specialized resources we provide. Whatever the circumstances, you can expect tailored advice and solutions that are geared toward your best interest.
Our team consists of four experienced partners with over 100 years of combined industry experience and four registered support professionals with over 60 years of combined experience. Our collective knowledge has helped clients navigate the turbulence of the markets through entire business cycles to deliver a disciplined long-term approach to wealth management.
This experience allows our team to leverage the vast resources of Morgan Stanley to create unbiased solutions and strategies. The special combination of real-world knowledge and independent thinking helps us address complex financial issues for our clients.
1. Introductory Meeting
Our relationship begins with an initial discussion aimed at getting to know you. We want to understand what is important to you, your family, and your legacy. In this meeting we will learn your attitudes towards investing, your investment goals, and what you are looking for in a financial advisor. Ultimately, we want determine if we are the right fit for you and your family and how we can help.
2. Financial Planning
Working with our teams’ certified financial planner, we will help you establish your financial goals. We will review your entire financial situation and set realistic targets based on your personalized risk tolerance and market expectations. Based on your current situation we can determine the likelihood of reaching your financial goals given various scenarios. During this step we often collaborate with your CPA and estate planning attorney to bring your entire financial and personal life into one cohesive plan. We can also share stories about families who tackled financial situations similar to yours and discuss how we have helped them.
3. Implementation
Based on the financial plan we have developed, we will build a customized investment strategy tailored to your unique needs. Asset allocation, risk management and tax efficiency will be thoroughly considered as we design your portfolio. We are not simply asset allocators, we are Senior Portfolio Managers. Rather picking investment products off of a shelf, we have a hand in choosing all the holdings in your portfolio. This gives us a unique and more detailed perspective of the markets and the ability to be much more flexible managing our client’s portfolios.
4. Monitoring and Performance Tracking
We will oversee the progress towards your goals and review the performance of your portfolio via ongoing meetings - based on a communication strategy that works for you. Your portfolio isn’t static. Due to changing market conditions or changes in your personal circumstances, we may recommend adjustments over time, all in an effort to keep you on track towards achieving your goals.
CIMA® – Certified Investment Management Analyst (Andrew Allison)
This designation is one of the premier certifications for investment management and portfolio construction. Professionals who hold this designation have advanced portfolio management, portfolio construction, and risk management skills. To complete the CIMA® certification a candidate needs to demonstrate experience, ethics and superior knowledge in all aspects covered in the program. The CIMA® certification maintains accreditation by the American National Standards Institute (ANSI).
CPM® – Certified Portfolio Manager (Jay Buxbaum)
This designation is a collaboration of the Academy of Certified Portfolio Managers and NYU Stern. The academic component is designed to provide a deeper understanding of fundamental security analysis, asset allocation, and portfolio management concepts for financial services industry professionals managing discretionary portfolios. Those who hold this designation have extensive knowledge in financial statement analysis, corporate finance, fixed income analysis, equity analysis, quantitative methods, derivatives, and portfolio management.
CFA® - Chartered Financial Analyst (Tim Vediz)
The CFA® designation measures and certifies the competence and integrity of financial analysts. Candidates are required to pass three levels of exams covering areas such as accounting, economics, ethics, money management and security analysis. CFA charter holders have an extensive body of knowledge in investing and global financial markets. CFAs® place clients’ interests above their own and dedicate themselves to helping achieve the best possible outcomes for investors.
CPWA® - Certified Private Wealth Advisor (Tim Vediz)
The Certified Private Wealth Advisor (CPWA®) designation is given to financial professionals who service high net worth clients. In order to receive this designation, candidates must meet the prerequisite experience, education, and exam requirements. Tim earned the CPWA® designation after successfully completing an executive education course offered by Yale School of Management and passing a five-hour examination on topics including wealth transfer, charitable giving, estate planning, retirement planning, portfolio strategies, and more.
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.
To that end, we have curated the following articles, thought leadership papers and financial tools that speak to our wealth management philosophy and investment strategy. We have provided easy links to these materials and hope you will return often to learn more about the topics that can impact your financial well-being.
To that end, we have curated the following articles, thought leadership papers and financial tools that speak to our wealth management philosophy and investment strategy. We have provided easy links to these materials and hope you will return often to learn more about the topics that can impact your financial well-being.
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4000 Carillon Point
Suite 600
Kirkland, WA 98033
US
Direct:
(425) 202-9982(425) 202-9982
Meet The Allison Buxbaum Group
Jay Buxbaum, CPM®
Managing Director, Wealth Management, Financial Advisor
About W. Andrew Allison
Andy began his career in 1986 as a financial advisor in his hometown of Anchorage, Alaska. He became a manager in 1999 to train and mentor Financial Advisors. Prior to resuming his advisory career in 2004, Andy managed 125 employees in three states as a Complex Director.
Andy provides wealth management strategies for individuals, corporations and nonprofit organizations. He has broad experience in portfolio risk management, asset allocation, tax-sensitive strategies and wealth management planning. He holds a Certified Investment Management Analyst® (CIMA®) designation. He is a graduate of Arizona State University with a Bachelor’s degree in Business.
Andy resides in Kirkland with his wife, Christi, and their two children. He is a former board member of the United Way, the Kirkland Boys & Girls Club and is a benefactor to several charities helping children. Andy loves to travel. He is an avid skier and plays tennis, golf and sand volleyball. He also enjoys fly-fishing in the back country of Alaska.
Andy provides wealth management strategies for individuals, corporations and nonprofit organizations. He has broad experience in portfolio risk management, asset allocation, tax-sensitive strategies and wealth management planning. He holds a Certified Investment Management Analyst® (CIMA®) designation. He is a graduate of Arizona State University with a Bachelor’s degree in Business.
Andy resides in Kirkland with his wife, Christi, and their two children. He is a former board member of the United Way, the Kirkland Boys & Girls Club and is a benefactor to several charities helping children. Andy loves to travel. He is an avid skier and plays tennis, golf and sand volleyball. He also enjoys fly-fishing in the back country of Alaska.
Securities Agent: IL, LA, MA, MD, ME, MI, MO, MT, NC, NJ, NM, NV, NY, OH, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, ND, KS, AK, AL, AZ, CA, CO, CT, DC, FL, GA, HI, ID; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 526743
NMLS#: 526743
About Jay Buxbaum
Jay is a Managing Director and Senior Portfolio Manager of the Allison Buxbaum Wealth Management Group. He tailors holistic strategies for successful business owners, professionals, affluent retirees, corporate executives, and multi-generational families. He also assists corporations, non-profits and endowments with cash and retirement plan management.
Meeting client goals is his primary focus. Whether it be funding a secure retirement, saving for a child’s education, tax-efficient wealth transfer, funding philanthropic desires or effective financing strategies, he helps to prioritize objectives and determine next best steps.
Jay brings more than three decades of financial services experience and perspective to clients. Before becoming a Financial Advisor in 1986, he spent the first three years of his career with Deloitte in their financial advisory division. In 1999, Jay was approved as a Portfolio Manager and these credentials allow him to manage our team’s proprietary investment models. He also holds the Certified Portfolio Manager CPM® designation awarded by the Academy of Certified Portfolio Managers. Jay is a graduate of the University of Washington with a Bachelor’s degree in Business Administration – Accounting.
Jay lives in Bellevue with his wife Rebecca. While not at the office, you may find him on the water paddling, in the mountains hiking and skiing or in his garden getting dirty.
Meeting client goals is his primary focus. Whether it be funding a secure retirement, saving for a child’s education, tax-efficient wealth transfer, funding philanthropic desires or effective financing strategies, he helps to prioritize objectives and determine next best steps.
Jay brings more than three decades of financial services experience and perspective to clients. Before becoming a Financial Advisor in 1986, he spent the first three years of his career with Deloitte in their financial advisory division. In 1999, Jay was approved as a Portfolio Manager and these credentials allow him to manage our team’s proprietary investment models. He also holds the Certified Portfolio Manager CPM® designation awarded by the Academy of Certified Portfolio Managers. Jay is a graduate of the University of Washington with a Bachelor’s degree in Business Administration – Accounting.
Jay lives in Bellevue with his wife Rebecca. While not at the office, you may find him on the water paddling, in the mountains hiking and skiing or in his garden getting dirty.
Securities Agent: NE, WA, VA, UT, TX, TN, SD, SC, RI, PA, OR, OH, NY, NV, NM, NJ, ND, WI, NC, MT, MO, MN, MI, ME, MD, MA, LA, KS, IN, IL, ID, HI, GA, FL, DC, CT, CO, CA, AZ, AL, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 526745
CA Insurance License #: 4071925
NMLS#: 526745
CA Insurance License #: 4071925
About Tim Vediz
Tim advises his clients on how to help grow their net worth by utilizing customized and tax efficient portfolio management strategies. Tim is passionate about investing and brings over two decades of financial services experience to his clients. Prior to becoming a Financial Advisor, Tim held Equity Analyst and Portfolio Management roles for institutional and hedge fund money managers in the Seattle area. Tim is a Chartered Financial Analyst® charter holder and a member of the CFA® Institute and CFA® Society of Seattle.
Securities Agent: AZ, FL, HI, TX, SC, OH, NV, NC, ND, VA, NY, KS, IL, CA, AL, CO, PA, WA, NM, NJ, AK, ME, LA, DC, UT, SD, MI, GA, TN, OR, MA, MT, ID; General Securities Representative; Investment Advisor Representative
NMLS#: 1683719
NMLS#: 1683719
About Diana Chen
Diana offers customized investment strategies and a wide range of financial products to help individuals, families and business clients reach their goals. She provides access to investment insights and cash management convenience to help address the various aspects of clients' financial lives. Diana started her wealth management career in 1999. Diana is driven by passion for delivering excellent service and helping clients pursue their goals.
Securities Agent: SD, ME, TX, NY, LA, AL, TN, OR, MT, MI, MA, ID, AZ, SC, ND, GA, NJ, DC, PA, NV, IL, CA, VA, OH, WA, NC, KS, UT, NM, AK, HI, FL, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 1656164
NMLS#: 1656164
About Keith Pareti
Keith has joined Morgan Stanley from Janus Henderson, a global asset manager, where he spent 5+ years as the Director of the Advisor Solutions Group for Washington state. In this role, he consulted directly with financial professionals on all Janus Henderson-related investments.
Prior to joining Janus Henderson in 2018, Mr. Pareti spent 8+ years as the west coast Director for WisdomTree Asset Management. He began his career in New York City on Wall Street as a trader in 2005 (working for AG Edwards, Group One Trading, GFI Group & Woodlawn Advisors).
In his role on the Allison Buxbaum team, Keith will focus on financial planning and endeavor to help our team’s clients build wealth to achieve their financial goals.
Mr. Pareti is a Certified Investment Management Analyst and holds a Bachelor of Sciences degree in Business Administration, with a concentration in Finance, from Monmouth University. He played Division I Soccer for four years at the highest level sanctioned by the NCAA. He was a contributing writer of Building Blocks to Wealth as well as Debt Markets and Investments- two Oxford University Press Textbooks.
Keith moved to Seattle in 2012 with his wife (Karen) and together they have their son (Cruz). Outside the office Keith enjoys golf, Sounders & Kraken games, & traveling with his family.
Prior to joining Janus Henderson in 2018, Mr. Pareti spent 8+ years as the west coast Director for WisdomTree Asset Management. He began his career in New York City on Wall Street as a trader in 2005 (working for AG Edwards, Group One Trading, GFI Group & Woodlawn Advisors).
In his role on the Allison Buxbaum team, Keith will focus on financial planning and endeavor to help our team’s clients build wealth to achieve their financial goals.
Mr. Pareti is a Certified Investment Management Analyst and holds a Bachelor of Sciences degree in Business Administration, with a concentration in Finance, from Monmouth University. He played Division I Soccer for four years at the highest level sanctioned by the NCAA. He was a contributing writer of Building Blocks to Wealth as well as Debt Markets and Investments- two Oxford University Press Textbooks.
Keith moved to Seattle in 2012 with his wife (Karen) and together they have their son (Cruz). Outside the office Keith enjoys golf, Sounders & Kraken games, & traveling with his family.
Securities Agent: MT, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 2538412
NMLS#: 2538412
About Michelle Sfanos
A graduate of the University of Washington, Michelle has over 20+ years of financial service experience. She holds the Chartered Retirement Planning CounselorSM (CRPC) designation and provides financial planning support in the execution of investment and wealth management strategies.
Michelle resides in Sammamish with her two teenage children and enjoys Crossfit, hiking with her black lab Jedi, and other outdoor activities.
Michelle resides in Sammamish with her two teenage children and enjoys Crossfit, hiking with her black lab Jedi, and other outdoor activities.
About Michelle Scoggins
Michelle Ann has been in the financial services industry since 2000. She attended the University of Texas and the New York Institute of Technology, and graduated with a Bachelor's degree in Psychology.
Michelle Ann resides in Bonney Lake with her husband, John, and their three children. They moved to Washington in 2006 to enjoy the Pacific Northwest and its abundant outdoor activities.
Michelle Ann resides in Bonney Lake with her husband, John, and their three children. They moved to Washington in 2006 to enjoy the Pacific Northwest and its abundant outdoor activities.
About Blair Pehanich
Blair began her financial services career in 2007 after graduating from Gonzaga University with a Bachelor of Business Administration degree, with a double concentration in finance and international business, and a minor in German. She actively volunteers at her church and in her community – supporting charities such as Habitat for Humanity, HopeLink, and animal rescues amongst others.
In her free time Blair enjoys traveling, staying active, cooking, baking, enjoying all the outdoor activities the Pacific Northwest has to offer, and spending quality time with family and friends. Blair and her husband John live in Lynnwood with their son Sammy, dog Charlee girl, and cats Charlie and Ginger. She is also a loud and loyal fan of Gonzaga basketball and the Seattle Seahawks.
In her free time Blair enjoys traveling, staying active, cooking, baking, enjoying all the outdoor activities the Pacific Northwest has to offer, and spending quality time with family and friends. Blair and her husband John live in Lynnwood with their son Sammy, dog Charlee girl, and cats Charlie and Ginger. She is also a loud and loyal fan of Gonzaga basketball and the Seattle Seahawks.
About Annie Tipple
Annie started her financial services career in 2016 and has been with the Allison Buxbaum Group since 2019. She graduated from the University of Redlands with a degree in History and Visual & Media Studies. As the initial point of contact for many clients, she provides administrative and operational support to the team and assists in the execution of financial plans.
Although she’s a Puget Sound native, Annie has also lived in London and Southern California.
A four-season outdoor enthusiast, Annie enjoys rock climbing, trail running, mountaineering, and snowboarding.
Although she’s a Puget Sound native, Annie has also lived in London and Southern California.
A four-season outdoor enthusiast, Annie enjoys rock climbing, trail running, mountaineering, and snowboarding.
Contact W. Andrew Allison
Contact Jay Buxbaum
Contact Tim Vediz
Contact Diana Chen
Contact Keith Pareti
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
Adelaide El Zein, CFP®
Financial Planning Director, Vice President
About Adelaide El Zein
Adelaide El Zein, CFP® is a Vice President and Financial Planning Director serving Morgan Stanley’s
Wealth Management offices in Washington State, mainly serving our Bellevue, Kirkland, Yakima,
Kennewick and Bellingham office locations. She is responsible for helping Financial Advisors with their clients' and
prospects' financial planning needs.
A CERTIFIED FINANCIAL PLANNING® professional, Adelaide has been providing financial advice to
families and individuals in various settings for nearly 18 years. A former teacher, who taught
domestically and overseas in Germany and the United Arab Emirates, Adelaide launched her career in
finance at Ameriprise in 2004 after completing her MBA. She was an analyst at Merrill Lynch/Bank of
America for 4 years before joining an RIA in Arlington as a financial advisor.
A graduate of the University of Washington, she lives in Edmonds, WA with her future husband, Bob,
and his two teenage boys. Outside of work she enjoys photography, being outside, working on home
improvement projects, learning new languages and dancing to live music.
Wealth Management offices in Washington State, mainly serving our Bellevue, Kirkland, Yakima,
Kennewick and Bellingham office locations. She is responsible for helping Financial Advisors with their clients' and
prospects' financial planning needs.
A CERTIFIED FINANCIAL PLANNING® professional, Adelaide has been providing financial advice to
families and individuals in various settings for nearly 18 years. A former teacher, who taught
domestically and overseas in Germany and the United Arab Emirates, Adelaide launched her career in
finance at Ameriprise in 2004 after completing her MBA. She was an analyst at Merrill Lynch/Bank of
America for 4 years before joining an RIA in Arlington as a financial advisor.
A graduate of the University of Washington, she lives in Edmonds, WA with her future husband, Bob,
and his two teenage boys. Outside of work she enjoys photography, being outside, working on home
improvement projects, learning new languages and dancing to live music.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
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
Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Allison Buxbaum Group today.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3When 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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.
6Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
7Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
8Morgan 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.
9Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
10Morgan 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.
11Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
12When 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.
13Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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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.
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For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3When 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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.
6Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
7Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
8Morgan 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.
9Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
10Morgan 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.
11Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
12When 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.
13Morgan 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.
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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.
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CRC 6491812 (04/2024)
