Executive Director, Wealth Management, Financial Advisor, Senior Investment Management Consultant, Financial Planning Specialist, Portfolio Management Director
Phone:
(954) 577-8859(954) 577-8859
The AMA Group at Morgan Stanley
Direct:
(954) 577-8894(954) 577-8894
Toll-Free:
(800) 423-3450(800) 423-3450
Our Mission Statement
Our planning-based approach leverages experience, Morgan Stanley’s intellectual capital, and dedicated personal service, along with honest conversations, so that we can provide tailored advice and solutions for your family’s unique financial situation and goals. We will use all of our resources and experience to meet the changing environment as we monitor your progress and help you to meet your goals.
About Us
The success of the AMA Group comes from the relationships we have established with our clients and their families. These life-long relationships are based on integrity, honesty, constant communication, and putting our client’s interests first, as if they are family – which is how we would want our family to be treated. We provide comprehensive, customized, and objective investment advice for every generation of our client’s families and help with multi-generational planning and transitions.
By asking the right questions we get to know our clients on a personal level – their goals, concerns, fears, and what they are most passionate about. Our clients care about what they can DO with their money. Can they have the retirement lifestyle they envision? Can they send children and grandchildren to college? Will they be able to support elderly parents? How can they best support the charities that matter most to them?
We do our best work and provide the most value to people who have comprehensive planning and investing needs and who have savings of $1,000,000 or more. We understand that Wealth Management has never been more complicated. There are more and more investment choices, changing tax and estate laws, changes to Social Security, Medicare, and retirement plan funding rules. Using our skills, experience, and the global resources at Morgan Stanley, we are here to meet these challenges and to help guide you, so that you can make the best and most informed choices for you and for those you love.
We use a comprehensive financial planning process, along with sophisticated market and economic analysis to help our clients define and meet their goals, and we are committed to providing first rate service by being available to respond quickly and efficiently should any question or concern arise. Our clients truly matter to us and you’ll know that from day one.
By asking the right questions we get to know our clients on a personal level – their goals, concerns, fears, and what they are most passionate about. Our clients care about what they can DO with their money. Can they have the retirement lifestyle they envision? Can they send children and grandchildren to college? Will they be able to support elderly parents? How can they best support the charities that matter most to them?
We do our best work and provide the most value to people who have comprehensive planning and investing needs and who have savings of $1,000,000 or more. We understand that Wealth Management has never been more complicated. There are more and more investment choices, changing tax and estate laws, changes to Social Security, Medicare, and retirement plan funding rules. Using our skills, experience, and the global resources at Morgan Stanley, we are here to meet these challenges and to help guide you, so that you can make the best and most informed choices for you and for those you love.
We use a comprehensive financial planning process, along with sophisticated market and economic analysis to help our clients define and meet their goals, and we are committed to providing first rate service by being available to respond quickly and efficiently should any question or concern arise. Our clients truly matter to us and you’ll know that from day one.
Services Include
- Financial PlanningFootnote1
- Wealth ManagementFootnote2
- Retirement PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Business Succession PlanningFootnote5
- 401(k) Rollovers
- Qualified Retirement PlansFootnote6
- Corporate Retirement PlansFootnote7
- Alternative InvestmentsFootnote8
- Structured ProductsFootnote9
- Municipal BondsFootnote10
- Long Term Care InsuranceFootnote11
- Trust AccountsFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Tax Efficient Investing
Our clients are much more than a portfolio of assets – they are families with active lives, who seek a team of financial advisors who will provide them with thorough, unbiased, and carefully considered guidance on a full range of financial topics. When you work with us, you will be treated with respect, care, confidentiality, and given unwavering commitment to you and your family.
Tax-Efficient Portfolios
Smart tax planning can help you save more for retirement and keep more of what you’ve already saved. Consider these tax-efficient retirement planning strategies.
Click to Learn More
Tax-Smart Strategies for Retirement
Looking for ideas on how to be more tax efficient when planning for your retirement? Smart tax planning can help you save more for retirement and keep more of what you’ve already saved. Consider these tax-efficient retirement planning strategies.
Click to Learn More
How to Access Your Tax Forms
1. Log into your account via Morgan Stanley Online
2. Click the Accounts tab
3. Select the Documents tab
4. Go to the Statement drop-down tab
5. Select Tax Documents and download them
Click to Learn More2. Click the Accounts tab
3. Select the Documents tab
4. Go to the Statement drop-down tab
5. Select Tax Documents and download them
4 Key Tax Questions for Investors to Consider
Factoring the impact of taxes into your investment decisions can help you keep more of your hard-earned money, both now and in the future.
Click to Learn More
2025 Tax Tables
If you are interested in seeing the updated tax tables and other details for 2025, see all additional information here.
Click to See Tax TablesDevelop and Monitor Your Financial Plans
FINANCIAL PLANNING DIGITAL TOOLS
Our wealth management and planning process begins with you, your investment objectives and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life - your long term goals, liabilities, investments, and your cash management needs - making sure they align with your goals and wealth management plan.
We understand that the goals you set today will evolve over time. Your plan will evolve with them - and with the changing circumstances of your life.
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources of Morgan Stanley, we can help you take charge of your financial future an achieve your goals. Below, we have provided some links that will introduce you to a few of the tools that we use, please click to learn more about them. We hope that you will return often to learn more about topics impacting your wealth.
MONITOR YOUR PLAN WITH DIGITAL TOOLS
Our comprehensive suites of digital tools are designed to help enhance every aspect of your financial life. This will allow you to view your financial plan, while also safeguarding your personal information.
Our wealth management and planning process begins with you, your investment objectives and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life - your long term goals, liabilities, investments, and your cash management needs - making sure they align with your goals and wealth management plan.
We understand that the goals you set today will evolve over time. Your plan will evolve with them - and with the changing circumstances of your life.
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources of Morgan Stanley, we can help you take charge of your financial future an achieve your goals. Below, we have provided some links that will introduce you to a few of the tools that we use, please click to learn more about them. We hope that you will return often to learn more about topics impacting your wealth.
MONITOR YOUR PLAN WITH DIGITAL TOOLS
Our comprehensive suites of digital tools are designed to help enhance every aspect of your financial life. This will allow you to view your financial plan, while also safeguarding your personal information.
Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our award winning tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth Management
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk Platform
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started Today
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Learn More
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online TodayDigital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get Started Today
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Enroll TodayESTATES, TRUSTS, PROPERTY AND BUSINESS SALES
Preparing for the transition and sale of a property or business means working closely with your advisor and planning ahead as early in the process as possible, giving you time to consider all aspects of the transaction. See below for some examples of resources that may be used to help optimize your financial benefit.. A trust can be another tool to help protect you assets; here is some information on trusts and other strategies to consider.
How to Break the Ice Around Family Finances
Money is one of the trickiest topics to discuss. But avoiding the conversation can lead to problems. Learn how to start the dialogue with your family.
Click here to learn more
Sale to a Grantor Trust
Creating an estate plan can help protect your wealth. Learn about tax-efficient strategies for estate planning and explore more video insights from Morgan Stanley here:
Click here to learn more
Thinking About Your Legacy? Why You May Need a Trust
You can’t take it with you, but through a trust, you can define how you want your life’s work and wealth to continue to benefit the people and causes you love and care for.
Click here to learn more
The State of Your Parents' Estate
Talking with a parent about estate planning is never easy. Here are several conversation starters that can help adult children and their parents’ plan.
Click here to learn more
Next Generation Gifting Considerations
As you consider gifting options, ask yourself how you would like financial gifts made to children or other family members to be used.
Click here to learn more
Thinking About Your Legacy? Why You May Need a Trust
You can’t take it with you, but through a trust, you can define how you want your life’s work and wealth to continue to benefit the people and causes you love and care for.
Click here to learn more
What’s Your Relationship with Wealth? For Many, It’s Complicated.
Before engaging in family wealth-planning conversations, you may want to examine your own feelings and attitudes about wealth. Here are some questions you can ask yourself.
Click here to learn moreWelcome to our life navigator
One of our goals is to help our clients navigate different life events. Here you will find a wide range of content and materials covering a variety of life events and milestones that you might face.
Birth
Welcoming a child into the family is a joyous occasion, but it can bring new concerns. As a trusted advisor to our clients, we can help you plan and prepare for the financial components that a new child brings into your lives.
Click here for more information on preparing for educational expenses
Making the Most of Your Retirement Savings
Carefully managing distributions from your portfolio during retirement can help you save on taxes, leaving you more money to spend and enjoy.
Click here to learn more
Death of a Loved One
Navigating life after the death of a loved one can be an impossibly difficult time to navigate for many. The emotional burden to process the event can outweigh what feels like an overwhelming list of responsibilities. The AMA group has prepared a checklist that may help guide you in the right direction.
Click Here to Download the Checklist
Medicare Fraud Prevention
Medicare fraud and abuse can happen anywhere. It’s important that you protect your Medicare number and other personal information, and check your Medicare claims regularly so you don’t become a victim.
Click here to learn more
What if I Need to Freeze My Credit?
A credit freeze, also known as a security freeze, is the best way to help prevent new accounts from being opened in your name. It’s absolutely free to freeze and unfreeze your credit, and it won’t affect your credit score. Please reach out if you should have any questions.
Click to Learn MoreLocation
1200 S Pine Island Rd
Ste 800
Plantation, FL 33324
US
Direct:
(954) 577-8894(954) 577-8894
Toll-Free:
(800) 423-3450(800) 423-3450
Meet The AMA Group
Phone:
(954) 509-3546(954) 509-3546
Olga Mirsky
Portfolio Associate
Phone:
(954) 577-8894(954) 577-8894
Marla Inman
Senior Client Service Associate
Phone:
(954) 476-4032(954) 476-4032
About Julie Morris Axelrod
Julie Morris Axelrod is an Executive Director, Portfolio Manager, and Financial Advisor at Morgan Stanley.
Julie graduated Magna Cum Laude from Tulane University with a double Major in Finance and Accounting and a Minor in Sociology. While attending Tulane on a full tennis scholarship, she was offered an internship with a team of Financial Advisors at Merrill Lynch. It was during this internship that Julie recognized that she had a passion for investing. Shortly after graduating she moved back to South Florida and began working for Morgan Stanley in 2003. In 2005 she earned a master’s degree in Business Administration from Florida Atlantic University. During her 20-year career with Morgan Stanley she obtained the following professional licenses: Series 7, 66, and Series 31 (Managed Futures). She is a Life, Health, Long-term Care and Annuity Insurance agent.
In 2013, Julie partnered with Senior Vice President, Financial Advisor Nancy Abrams, (now retired) and together they formed the AMA Group at Morgan Stanley. Julie recognizes the importance of client service and leverages the skill set of each team member to provide the best client experience possible. Julie is firmly committed to long-term client relationships and through financial planning tools helps individuals and their families with retirement, education, estate, and insurance planning strategies. She and her team also work with nonprofits, businesses, trusts, and corporate retirement plans. Julie, along with her team, supports and guides clients through life changes such as births, deaths, divorce, career changes and retirement. She works with her clients to make sure their investment strategies and financial plans continue to be tailored to their specific needs.
Outside of work, Julie enjoys a range of physical activities including tennis, pickleball, golf, dancing, and skiing. She loves spending time with family including her two children, Ryan and Reese.
Julie graduated Magna Cum Laude from Tulane University with a double Major in Finance and Accounting and a Minor in Sociology. While attending Tulane on a full tennis scholarship, she was offered an internship with a team of Financial Advisors at Merrill Lynch. It was during this internship that Julie recognized that she had a passion for investing. Shortly after graduating she moved back to South Florida and began working for Morgan Stanley in 2003. In 2005 she earned a master’s degree in Business Administration from Florida Atlantic University. During her 20-year career with Morgan Stanley she obtained the following professional licenses: Series 7, 66, and Series 31 (Managed Futures). She is a Life, Health, Long-term Care and Annuity Insurance agent.
In 2013, Julie partnered with Senior Vice President, Financial Advisor Nancy Abrams, (now retired) and together they formed the AMA Group at Morgan Stanley. Julie recognizes the importance of client service and leverages the skill set of each team member to provide the best client experience possible. Julie is firmly committed to long-term client relationships and through financial planning tools helps individuals and their families with retirement, education, estate, and insurance planning strategies. She and her team also work with nonprofits, businesses, trusts, and corporate retirement plans. Julie, along with her team, supports and guides clients through life changes such as births, deaths, divorce, career changes and retirement. She works with her clients to make sure their investment strategies and financial plans continue to be tailored to their specific needs.
Outside of work, Julie enjoys a range of physical activities including tennis, pickleball, golf, dancing, and skiing. She loves spending time with family including her two children, Ryan and Reese.
Securities Agent: IN, CT, CA, AZ, PA, KY, GA, MN, IL, IA, DC, NY, NC, MD, MA, VA, NJ, TX, NM, MI, HI, FL, CO, OH, NH, LA, MO, VT, OR, KS, DE, AR, TN, SC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278699
CA Insurance License #: 0I51806
NMLS#: 1278699
CA Insurance License #: 0I51806
About Lenore Dunlop
Lenore Dunlop is a Financial Advisor and Financial Planning Specialist with Morgan Stanley. She holds the following professional licenses: Series 7, 66, and is a Life, Health, Long‐term Care, and Annuities Insurance agent. She holds a bachelor’s degree with a double major in International Business and Marketing.
In addition to traditional investments, she has in‐depth knowledge of options strategies, alternative investments, and structured products, as well as a deep understanding of real estate investment, having owned and managed properties for many years.
Lenore enjoys discovering the needs of each client and is highly skilled at creating comprehensive financial plans. She serves clients who include high‐net‐worth individuals, business owners and entrepreneurs, and those in both the wealth‐building and retirement stages of their financial lives.
Lenore believes that open communication and a strong commitment to service are the cornerstones of fostering long term‐client relationships. She leverages the full array of Morgan Stanley’s experts and global resources and uses them to each client’s advantage to find tailored solutions for each challenge. She helps guide clients through life events such as setting up qualified retirement plans, navigating career and lifestyle changes, planning for educational needs, and working with clients on their estate strategies and insurance planning.
Lenore joined the Firm in 2018 and the AMA Group in 2020, allowing her to better serve her clients by leveraging the resources and experience of a team with over 600 million dollars in assets as of May 2023. In 2022 and in 2023 Lenore was named to the Firm’s Pacesetter’s Club, a global recognition program for Financial Advisors who have demonstrated the highest professional standards and world-class service.
Lenore believes strongly in promoting early financial literacy and volunteers her time with the SIFMA Foundation as a judge of student essays for the Stock Market Game’s InvestWrite national writing competition.
Outside of the office, Lenore loves to cook and to bake, loves to read, takes West Coast Swing dance lessons, and enjoys physical activities such as pickleball, hiking, weightlifting, and powerlifting.
In addition to traditional investments, she has in‐depth knowledge of options strategies, alternative investments, and structured products, as well as a deep understanding of real estate investment, having owned and managed properties for many years.
Lenore enjoys discovering the needs of each client and is highly skilled at creating comprehensive financial plans. She serves clients who include high‐net‐worth individuals, business owners and entrepreneurs, and those in both the wealth‐building and retirement stages of their financial lives.
Lenore believes that open communication and a strong commitment to service are the cornerstones of fostering long term‐client relationships. She leverages the full array of Morgan Stanley’s experts and global resources and uses them to each client’s advantage to find tailored solutions for each challenge. She helps guide clients through life events such as setting up qualified retirement plans, navigating career and lifestyle changes, planning for educational needs, and working with clients on their estate strategies and insurance planning.
Lenore joined the Firm in 2018 and the AMA Group in 2020, allowing her to better serve her clients by leveraging the resources and experience of a team with over 600 million dollars in assets as of May 2023. In 2022 and in 2023 Lenore was named to the Firm’s Pacesetter’s Club, a global recognition program for Financial Advisors who have demonstrated the highest professional standards and world-class service.
Lenore believes strongly in promoting early financial literacy and volunteers her time with the SIFMA Foundation as a judge of student essays for the Stock Market Game’s InvestWrite national writing competition.
Outside of the office, Lenore loves to cook and to bake, loves to read, takes West Coast Swing dance lessons, and enjoys physical activities such as pickleball, hiking, weightlifting, and powerlifting.
Securities Agent: NJ, GA, FL, AZ, NH, NC, OR, MO, MI, CO, AR, NV, MA, IN, DC, TX, CT, VA, SC, PA, IL, WA, VT, NY, MD, HI, DE, CA, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 1838648
CA Insurance License #: 4192715
NMLS#: 1838648
CA Insurance License #: 4192715
About Olga Mirsky
Olga Mirsky is a Sr. Registered Client Service Associate for the AMA Group. She has been with Morgan Stanley since 2001.
Olga was born in Russia and is proficient in the Russian language. She attended Florida International University in 2003, where she received a Bachelor’s Degree in Finance and Marketing. She completed her Series 7 and 66 licenses in 2005 and completed her Florida Insurance license in 2016.
Among her strengths are, building personal relationship with clients and her extensive knowledge of the industry. Her goal is to help people to reach their retirement goals.
Olga is married and has two little children. She enjoys taking them to parks and swimming lessons. Olga supports the National Multiple Sclerosis Society and does fundraises for Walk MS events.
Olga was born in Russia and is proficient in the Russian language. She attended Florida International University in 2003, where she received a Bachelor’s Degree in Finance and Marketing. She completed her Series 7 and 66 licenses in 2005 and completed her Florida Insurance license in 2016.
Among her strengths are, building personal relationship with clients and her extensive knowledge of the industry. Her goal is to help people to reach their retirement goals.
Olga is married and has two little children. She enjoys taking them to parks and swimming lessons. Olga supports the National Multiple Sclerosis Society and does fundraises for Walk MS events.
About Marla Inman
Marla Inman is a Senior Client Service Associate with the AMA Group. She has been with Morgan Stanley since 1994.
Utilizing her skill set, she is able to help the AMA Group fulfill its mission of providing their clients with an excellent client experience. In doing so, Marla prides herself on providing extraordinary client service by building stronger client relationships, resolving any and all client questions and concerns. She also plays an integral part in account maintenance and helps to facilitate client transactions.
Marla shares a daughter with her husband, her first love. In her spare time, she likes to spend quality time with her daughter and husband. In addition, she likes attending concerts, bowling and traveling.
Utilizing her skill set, she is able to help the AMA Group fulfill its mission of providing their clients with an excellent client experience. In doing so, Marla prides herself on providing extraordinary client service by building stronger client relationships, resolving any and all client questions and concerns. She also plays an integral part in account maintenance and helps to facilitate client transactions.
Marla shares a daughter with her husband, her first love. In her spare time, she likes to spend quality time with her daughter and husband. In addition, she likes attending concerts, bowling and traveling.
Contact Julie Morris Axelrod
Contact Lenore Dunlop
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
John Fanning
Senior Private Banker
About John Fanning
John Fanning 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.
John began his career in financial services in 1992, and joined Morgan Stanley in 2010 as a Financial Advisor. Prior to joining the firm, he was a Commercial Banker at SunTrust Bank (now Truist Bank) and Bank United. He also also served as a Finance Manager at Merrill Lynch Business Financial Services.
John is a graduate of Florida Atlantic University, where he received a Bachelor of Science in Finance. He lives in Fort Lauderdale, Florida with his family. Outside of the office, John enjoys coaching and watching his sons excel in sports, spending time with family and friends, and cheering on all South Florida sports 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.
John began his career in financial services in 1992, and joined Morgan Stanley in 2010 as a Financial Advisor. Prior to joining the firm, he was a Commercial Banker at SunTrust Bank (now Truist Bank) and Bank United. He also also served as a Finance Manager at Merrill Lynch Business Financial Services.
John is a graduate of Florida Atlantic University, where he received a Bachelor of Science in Finance. He lives in Fort Lauderdale, Florida with his family. Outside of the office, John enjoys coaching and watching his sons excel in sports, spending time with family and friends, and cheering on all South Florida sports team.
NMLS#: 803783
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
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
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact The AMA Group today.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
4Morgan 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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.
7When 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.
8Alternative 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.
9Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
10Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
4Morgan 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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.
7When 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.
8Alternative 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.
9Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
10Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
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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)
