Alicia Andre, CFA
Executive Director, Wealth Management, Financial Advisor, Family Wealth Director
Phone:
(617) 570-9530(617) 570-9530
The Andre Pazdan Group at Morgan Stanley
Direct:
(617) 570-9530(617) 570-9530
Our Mission Statement
Experienced wealth planning services to help you and your family create, understand and maintain a comprehensive, long-term financial and investment strategy.
The Andre Pazdan Group
Most people understand the importance of making thoughtful, strategic financial decisions, but many things can get in the way – time pressures, business priorities, changing economic circumstances, even normal human emotions.
At the Andre Pazdan Group at Morgan Stanley, we work with seasoned, successful professionals in business, law, real estate and other fields to integrate their complex lives into a comprehensive, goal-based plan to help achieve their objectives.
Because our clients lead complicated lives, we work to keep things simple by presenting thoughtful advice, clear options and comprehensible analysis of results. We also understand Behavioral Finance and how it can help clients make logical choices, free of the counter-productive impact of emotions.
And because life is full of twists and turns, we use our experience and knowledge to provide the agility and foresight to adjust to changing circumstances. So as your life and business evolve, you stay on track across years, decades and generations.
At the Andre Pazdan Group at Morgan Stanley, we work with seasoned, successful professionals in business, law, real estate and other fields to integrate their complex lives into a comprehensive, goal-based plan to help achieve their objectives.
Because our clients lead complicated lives, we work to keep things simple by presenting thoughtful advice, clear options and comprehensible analysis of results. We also understand Behavioral Finance and how it can help clients make logical choices, free of the counter-productive impact of emotions.
And because life is full of twists and turns, we use our experience and knowledge to provide the agility and foresight to adjust to changing circumstances. So as your life and business evolve, you stay on track across years, decades and generations.
Services Include
- Wealth ManagementFootnote1
- Wealth Consulting
- Professional Portfolio ManagementFootnote2
- Retirement PlanningFootnote3
- Financial PlanningFootnote4
- Trust AccountsFootnote5
- Estate Planning StrategiesFootnote6
- Long Term Care InsuranceFootnote7
- 401(k) Rollovers
- Asset Management
- Executive Financial ServicesFootnote8
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Awards and Recognitions
Alicia Andre
Alicia Andre was named to the Forbes 2019, 2020, 2021, 2022 list of Best-in-State Wealth Advisors. Alicia was also recognized as a FIVE STAR Wealth Manager by Boston Magazine in 2014, 2015, 2016, 2017, 2018, 2019, and 2020.
Alicia recognized by Forbes
Lindsay Pazdan
Lindsay Pazdan was recognized as a FIVE STAR Wealth Manager by Boston Magazine in 2019, 2020, 2021, and 2022. Lindsay was also recognized by Forbes as a top Next-Gen Best-in-State Advisor in 2022 and 2023.
Lindsay recognized by Forbes
Forbes Top Women Wealth Advisor
Years Awarded: 2020, 2021
Boston Five Star Wealth Manager
Years Awarded: 2019, 2020, 2021, 2022, 2023, 2024
Forbes Best-In-State Women Advisors
Years Awarded: 2023, 2024
Forbes Top Next-Gen Wealth Advisors Best-in-State
Years Awarded: 2022, 2023
Team Member - Best-In-State Wealth Management Teams
Years Awarded: 2023, 2024
Forbes Best In State Wealth Management Teams
Years Awarded: 2023, 2024
Forbes Best-in-State Wealth Advisor
Years Awarded: 2019, 2020, 2021, 2022, 2023
Forbes Best in State Women Advisors
Years Awarded: 2023, 2024
Boston Five Star Wealth Manager
Years Awarded: 2012, 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024
Named to Forbes Magazine’s Best-In-State Wealth Management Teams 2023,2024. Source: Forbes (Awarded Jan 2024). Data compiled by SHOOK Research LLC based on time period from 3/31/21 – 3/31/22 https://mgstn.ly/3wb7pSG
2019-2023 Forbes Best-In- State Wealth Advisors. Source: Forbes.com (Awarded 2019-2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2014-2024 Five Star Wealth Manager Award. Source: fivestarprofessional.com (Awarded 2014-2024). The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
2022-2023 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors) Source: Forbes.com (Awarded 2022-2023 WAS GIVEN). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
2019-2023 Forbes Best-In- State Wealth Advisors. Source: Forbes.com (Awarded 2019-2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2014-2024 Five Star Wealth Manager Award. Source: fivestarprofessional.com (Awarded 2014-2024). The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
2022-2023 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors) Source: Forbes.com (Awarded 2022-2023 WAS GIVEN). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
MODERN WEALTH MANAGEMENT TOOLS FOR OUR VALUED CLIENTS
We offer a comprehensive suite of tools to manage your wealth more effectively in today's busy world. We are happy to assist you in signing up for any of these services.
Morgan Stanley Online (MSO)
When you sign up for MSO, you can conveniently and securely manage your account online or on your mobile device.
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Morgan Stanley Mobile App
The Morgan Stanley Mobile App gives you the same capabilities as Morgan Stanley Online - all from the convenience of your own phone. It also offers features to simplify your everyday finances. These include mobile check deposit and Send Money with Zelle, a convenient way to send and receive money.
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E-Authorization
With E-Authorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a wire transfer request.
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E-Sign
To use eSign, all you need is a valid email address and phone number. The personal identification number (PIN) can be delivered via phone call or via text message. Here are the steps to complete the signing process.
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E-Delivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery. Currently, documents available through eDelivery include statements, trade confirmations and prospectuses, general correspondence, selected Internal Revenue Service (IRS) approved tax documents, syndicate offerings, shareholder communications, and portfolio reports.
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Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
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Total Wealth View
Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
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Aladdin - Portfolio Risk Platform
You may monitor the risk/return dichotomy across all of your financial portfolios using the sophisticated risk analytics provided by Morgan Stanley's Portfolio Risk Platform. This useful tool enhances the accuracy of your financial status & may can help you increase your confidence when making wise financial decisions.
Click Here to Learn More“If you don’t control your emotions, your emotions will control your acts. And that’s not good” – Mariano Rivera
Why do people make poor investment decisions? Why do they ignore well-known concepts and advice?
Because they are human beings.
People make purchase decisions of all kinds in search of three types of benefits: utilitarian, expressive and emotional. Seeking a good return on an investment is a utilitarian benefit. But there are emotional and expressive ones as well.
The Wall Street Journal cited a survey of amateur investors which showed that 62% expected to outperform the overall market over the next 12 months.* Does that sound feasible? Not only do amateurs lack the information and time of professionals, they also tend to trade heavily, which studies show can suppress returns.
So why do it? One reason: it offers emotional benefits. It’s fun, even when you lose (you could enjoy batting against the great relief pitcher who we quote above, even if he strikes you out). And we like what it says about us.
Similar emotions may lead investors to make other foolish errors, like getting out of the market when it’s down, and getting back in when it goes up. There are countless other examples.
At the Andre Group, we are fascinated by this and other implications of the emerging field of Behavioral Finance. We believe it demonstrates the importance of working with a team of professionals, whose advice and discipline can help mitigate the negative effects of emotions.
Emotions are human. We all have them. But we should be aware of them and not let them drive our investment decisions.
*WSJ.com, “How your emotions get in the way of smart investing,” June 14, 2015
Because they are human beings.
People make purchase decisions of all kinds in search of three types of benefits: utilitarian, expressive and emotional. Seeking a good return on an investment is a utilitarian benefit. But there are emotional and expressive ones as well.
The Wall Street Journal cited a survey of amateur investors which showed that 62% expected to outperform the overall market over the next 12 months.* Does that sound feasible? Not only do amateurs lack the information and time of professionals, they also tend to trade heavily, which studies show can suppress returns.
So why do it? One reason: it offers emotional benefits. It’s fun, even when you lose (you could enjoy batting against the great relief pitcher who we quote above, even if he strikes you out). And we like what it says about us.
Similar emotions may lead investors to make other foolish errors, like getting out of the market when it’s down, and getting back in when it goes up. There are countless other examples.
At the Andre Group, we are fascinated by this and other implications of the emerging field of Behavioral Finance. We believe it demonstrates the importance of working with a team of professionals, whose advice and discipline can help mitigate the negative effects of emotions.
Emotions are human. We all have them. But we should be aware of them and not let them drive our investment decisions.
*WSJ.com, “How your emotions get in the way of smart investing,” June 14, 2015
OUR FIVE PRINCIPLES FOR EFFECTIVE INVESTING
Over the years, we have developed some guidelines we use when constructing investment portfolios. We believe these simple ideas help clients reach their goals.
1. Focus on Clearly Articulated Objectives
Every asset in a portfolio should be chosen for a specific reason, as part of an overall wealth management strategy.
2. Maintain a Consistent Long Term Asset Allocation
Asset allocation has a huge impact on portfolio performance. We rebalance portfolios consistently to maintain the proper asset allocation.
3. Balance Types of Equity Assets
There are times when a low-cost stock fund (either managed or ETF) is as good as, or better, than individual equities. We use both, and believe in both.
4. Keep it Simple
This is our approach to all wealth management, not just investing. We believe it enhances performance, and it’s better for our clients.
5. Minimize Negatives
A strong return is great, but not if it’s eaten up by fees and taxes. And why take risk if it’s not necessary to achieve an objective?
Planning For Your Family's Financial Needs
Intergenerational Wealth Planning
Highly-skilled accountants and estate attorneys are vital to constructing sound wealth-transfer plans, but sometimes it is the matters these experts cannot address that post the greatest challenges.
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Tax Management
The tax decisions you make today can help you save for years to come. There are many tax smart strategies for your financial plan.
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Trust & Estate Planning
We are with you every step of the way. We analyze your tax and estate structures so that their characteristics are accurately incorporated in the asset allocation analysis preformed for our clients.
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Philanthropic Planning
Your set of Philanthropic objectives is as personal as your vision of a better world. Determining your objectives, however, can be challenging when there are so many worth causes with so many unmet needs.
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Sustainable Investment Solutions
Morgan Stanley partners with clients and stakeholders to mobilize capital at scale for a sustainable, low-carbon economy. My goal is to deliver environmental, social and governance (ESG) solutions that reduce risk, enhance value and expand the frontiers of sustainable finance.
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Wealth Education
Financial Literacy means being empowered with the knowledge to make smart financial decisions during every stage of life. Discussing family finances is always important, but not always easy. Starting the conversation is a key step in long-term wealth planning.
Click here to learn moreLocation
28 State Street
Fl
Boston, MA 02109
US
Direct:
(617) 570-9530(617) 570-9530
Meet The Andre Pazdan Group
Senior Vice President, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Senior Portfolio Management Director, Family Wealth Director
Phone:
(617) 570-9507(617) 570-9507
Stephanie Roszkowski, CFP®
Wealth Management Associate, Registered Client Service Associate, CERTIFIED FINANCIAL PLANNER™
Phone:
(617) 570-9566(617) 570-9566
Corey Couillard, CRPC®
Registered Client Service Associate, Chartered Retirement Planning Counselor™
Phone:
(617) 570-9561(617) 570-9561
About Alicia Andre
Alicia Andre, CFA®
Financial Advisor, Executive Director, Family Wealth Director
Alicia founded The Andre Group at Morgan Stanley to offer customized financial advice to successful individuals and families. Combining a macroeconomic perspective with the latest research and wealth management practices, Alicia’s experience and steady hand help clients grow, preserve and transition their wealth.
After starting her career in private equity, Alicia became a financial advisor and portfolio manager at Boston Safe Deposit and Trust (now BNY Mellon). She then spent two decades within WilmerHale at Silver Bridge Advisors as an advisor to individuals and families and also served on the firm’s investment committee. Alicia joined Morgan Stanley in 2015 to take advantage of the firm’s global resources and industry-leading technology. She believes in simplicity, backed by in-depth analysis and outstanding service.
In 2019 Alicia earned Morgan Stanley’s Family Wealth Director Designation. This program based on extensive experience working with ultra-high net worth families and provides specialized training and enables her to offer direct access to the advanced resources needed to help affluent families address the complex, multigenerational challenges of managing significant wealth. This includes knowledge and experience in wealth transfer, family dynamics, philanthropy, asset allocation, manager selection and other important areas of concern.
Alicia earned both a B.S. in Business Administration and Management and an M.B.A. in Finance at the Rochester Institute of Technology. Her Chartered Financial Analyst® designation underscores her experience, knowledge and professional integrity.
Alicia and her husband reside in Concord, MA. They have two grown children. Alicia enjoys reading, surfing, sailing, playing the banjo, running and spending time with family and friends.
2014-2022 Five Star Wealth Manager Award. Source: fivestarprofessional.com (Awarded 2014-2020). The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
2019-2022 Forbes Best-In- State Wealth Advisors. Source: Forbes.com (Awarded 2019-2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Financial Advisor, Executive Director, Family Wealth Director
Alicia founded The Andre Group at Morgan Stanley to offer customized financial advice to successful individuals and families. Combining a macroeconomic perspective with the latest research and wealth management practices, Alicia’s experience and steady hand help clients grow, preserve and transition their wealth.
After starting her career in private equity, Alicia became a financial advisor and portfolio manager at Boston Safe Deposit and Trust (now BNY Mellon). She then spent two decades within WilmerHale at Silver Bridge Advisors as an advisor to individuals and families and also served on the firm’s investment committee. Alicia joined Morgan Stanley in 2015 to take advantage of the firm’s global resources and industry-leading technology. She believes in simplicity, backed by in-depth analysis and outstanding service.
In 2019 Alicia earned Morgan Stanley’s Family Wealth Director Designation. This program based on extensive experience working with ultra-high net worth families and provides specialized training and enables her to offer direct access to the advanced resources needed to help affluent families address the complex, multigenerational challenges of managing significant wealth. This includes knowledge and experience in wealth transfer, family dynamics, philanthropy, asset allocation, manager selection and other important areas of concern.
Alicia earned both a B.S. in Business Administration and Management and an M.B.A. in Finance at the Rochester Institute of Technology. Her Chartered Financial Analyst® designation underscores her experience, knowledge and professional integrity.
Alicia and her husband reside in Concord, MA. They have two grown children. Alicia enjoys reading, surfing, sailing, playing the banjo, running and spending time with family and friends.
2014-2022 Five Star Wealth Manager Award. Source: fivestarprofessional.com (Awarded 2014-2020). The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
2019-2022 Forbes Best-In- State Wealth Advisors. Source: Forbes.com (Awarded 2019-2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: VA, AK, NY, CT, OR, WI, MA, GA, DE, AZ, RI, NH, MN, IL, CO, SC, VT, OH, FL, DC, CA, NV, TX, PA, NM, TN, NJ, NC, MT, MO, LA, WY, ME, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 1489623
NMLS#: 1489623
About Lindsay Pazdan
Lindsay Pazdan, CFP®
Senior Vice President, Financial Advisor
Lindsay works with clients to help them grow and manage their wealth, and shift seamlessly from wealth accumulation to wealth preservation, and into retirement. Lindsay also works closely with the next generation to help educate and guide them through important financial decisions as they begin the financial planning process. In today’s fast-paced global markets, clients appreciate her disciplined approach to investing, informed advice and recommendations.
Lindsay previously worked at Silver Bridge Advisors, where she focused on trading domestic equities, was a member of the investment team and also served on the firm’s Asset Allocation Committee. She began her career as a Senior Client Associate at Lehman Brothers, which underscores her commitment to exceptional service.
Lindsay earned a B.S. in Finance from Fairfield University. She holds the CERTIFIED FINANCIAL PLANNER™ designation, the industry’s gold standard for financial planning that demands hundreds of hours of classroom time and ongoing re-certification.
Lindsay resides in Dover, MA with her husband and two children. She enjoys skiing, Pilates and being active outdoors.
Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State. Source: Forbes.com (Awarded Aug 2022). Data compiled by SHOOK Research LLC based on time period from 3/31/21 - 3/31/22.
2019-2022 Five Star Wealth Manager Award. Source: fivestarprofessional.com (Awarded 2014-2022). The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Senior Vice President, Financial Advisor
Lindsay works with clients to help them grow and manage their wealth, and shift seamlessly from wealth accumulation to wealth preservation, and into retirement. Lindsay also works closely with the next generation to help educate and guide them through important financial decisions as they begin the financial planning process. In today’s fast-paced global markets, clients appreciate her disciplined approach to investing, informed advice and recommendations.
Lindsay previously worked at Silver Bridge Advisors, where she focused on trading domestic equities, was a member of the investment team and also served on the firm’s Asset Allocation Committee. She began her career as a Senior Client Associate at Lehman Brothers, which underscores her commitment to exceptional service.
Lindsay earned a B.S. in Finance from Fairfield University. She holds the CERTIFIED FINANCIAL PLANNER™ designation, the industry’s gold standard for financial planning that demands hundreds of hours of classroom time and ongoing re-certification.
Lindsay resides in Dover, MA with her husband and two children. She enjoys skiing, Pilates and being active outdoors.
Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State. Source: Forbes.com (Awarded Aug 2022). Data compiled by SHOOK Research LLC based on time period from 3/31/21 - 3/31/22.
2019-2022 Five Star Wealth Manager Award. Source: fivestarprofessional.com (Awarded 2014-2022). The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
Securities Agent: TN, DE, MO, CO, OR, TX, PA, OH, NH, MA, GA, CT, NV, NM, IL, WY, NJ, AZ, NC, MT, FL, VA, SC, MD, DC, CA, NY, MN, ME, AK, WI, RI, LA, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 1498369
NMLS#: 1498369
About Stephanie Roszkowski
Stephanie joined The Andre Group in July 2017 as a Client Service Associate. In addition to helping to maintain client relationships, Stephanie works with clients on all operational and administrative responsibilities, including checks and wire transfers.
Stephanie began working at Morgan Stanley in August 2014 as a Branch Manager Assistant supporting and acting as an integral member of the management team. Prior to joining Morgan Stanley, Stephanie launched her financial services career at Hilltop Securities as a Municipal Advisory Assistant on a team of advisors managing the sale of short term bonds.
Stephanie is a graduate of Suffolk University in Boston, where she received a Bachelors of Science in Business Administration with a concentration in Finance. She currently holds her Series 7 & 66 licenses.
Stephanie currently resides in the North End of Boston and enjoys cooking, traveling, spending time with friends and family and Pilates.
Stephanie began working at Morgan Stanley in August 2014 as a Branch Manager Assistant supporting and acting as an integral member of the management team. Prior to joining Morgan Stanley, Stephanie launched her financial services career at Hilltop Securities as a Municipal Advisory Assistant on a team of advisors managing the sale of short term bonds.
Stephanie is a graduate of Suffolk University in Boston, where she received a Bachelors of Science in Business Administration with a concentration in Finance. She currently holds her Series 7 & 66 licenses.
Stephanie currently resides in the North End of Boston and enjoys cooking, traveling, spending time with friends and family and Pilates.
About Corey Couillard
Corey Couillard started at Morgan Stanley in April of 2020. Corey joined The Andre Pazdan Group in February 2022 as a Registered Client Service Associate. In addition to help onboard new clients and maintaining existing client relationships; Corey works with clients on all operational administrative responsibilities. These responsibilities include money movement, account administration, account opening and performance reporting. Corey is Series 7 & 66 Licensed.
Prior to joining Morgan Stanley, Corey was a golf professional out of Deerfield Beach, Florida. Corey launched his financial services career in 2018 at Bank of America as a Relationship Banker providing products and tools to make client’s financial lives better.
Corey currently resides in Malden enjoys golfing, hiking with his rescue dog Ellie, and spending time with friends and family.
Prior to joining Morgan Stanley, Corey was a golf professional out of Deerfield Beach, Florida. Corey launched his financial services career in 2018 at Bank of America as a Relationship Banker providing products and tools to make client’s financial lives better.
Corey currently resides in Malden enjoys golfing, hiking with his rescue dog Ellie, and spending time with friends and family.
Contact Alicia Andre
Contact Lindsay Pazdan
Wealth Management
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
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Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
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Creating customized financial strategies for the challenges that today’s families face.
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Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
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- Set themselves apart by offering comprehensive financial wellness benefits.
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1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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 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.
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 (“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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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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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.
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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)
