Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Management Director, Family Wealth Advisor, Financial Planning Specialist, Lending Specialist
Phone:
(212) 603-6186(212) 603-6186
The Anne Izzillo Group at Morgan Stanley
Direct:
(212) 603-6100(212) 603-6100
Our Mission Statement
We empower you with the financial confidence to pursue your life goals through a personal and caring experience grounded in dialogue and trust.
Our Story and Services
Known for our warm and thoughtful approach, we begin every relationship with a deep understanding of what’s important to you. Then, we formulate a comprehensive wealth strategy for helping achieve your aspirations.
Our ultimate mission is to embolden you with the confidence to help make important financial decisions throughout your lifetime, enabling you to live the life you’ve always imagined.
Along the way, we place great emphasis on educating you on a wide range of topics. We are passionate about empowering our clients with the skills necessary for financial and professional success.
While we have a range of clients in all industries, we focus on serving executives in the biotech and private investment industries, business owners, foundations and multigenerational families.
Getting started on your future is easy. It begins with a conversation. We look forward to getting to know you and sharing details on how we can work together to help enhance your financial life.
Our ultimate mission is to embolden you with the confidence to help make important financial decisions throughout your lifetime, enabling you to live the life you’ve always imagined.
Along the way, we place great emphasis on educating you on a wide range of topics. We are passionate about empowering our clients with the skills necessary for financial and professional success.
While we have a range of clients in all industries, we focus on serving executives in the biotech and private investment industries, business owners, foundations and multigenerational families.
Getting started on your future is easy. It begins with a conversation. We look forward to getting to know you and sharing details on how we can work together to help enhance your financial life.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Executive Financial ServicesFootnote3
- Professional Portfolio ManagementFootnote4
- Cash Management and Lending ProductsFootnote5
- Estate Planning StrategiesFootnote6
- Trust ServicesFootnote7
- Retirement PlanningFootnote8
- Planning for Education FundingFootnote9
- Sustainable InvestingFootnote10
- Alternative InvestmentsFootnote11
- Life InsuranceFootnote12
- Long-term Care InsuranceFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
OUR PROCESS
1. Introduction
We begin with a conversation to understand your concerns and determine how we can add value. Since not every advisor is a good match for every client, we introduce you to our approach and share our fee structure. If we all agree to move forward, we schedule our next meeting and request important financial information.
2. Discovery
We continue the dialogue by fostering an in-depth conversation where we learn about the values that shape your decisions and identify any unique circumstances. We also review the documents you've prepared and define your priorities.
3. Analysis and Plan Development
Here, we utilize industry-leading financial planning tools to develop a personalized and detailed financial plan with specific recommendations to help you grow, preserve and transfer your wealth. This serves as the foundation for building your initial plan, as well as future wealth management decisions.
4. Plan Presentation
In this step, we present your financial plan that includes an investment portfolio that aligns your investments with your goals, your timeframe and your risk level. We also discuss other wealth management solutions that may include risk management techniques and estate planning strategies.
5. Plan Implementation
Upon your approval of our recommendations, we begin to implement the strategies outlined in the plan. Once assets have been transferred to Morgan Stanley and are aligned with your investment strategy, we walk you through the details of your new statement and introduce all of the tools and resources now available to you.
6. Ongoing Service and Care
Committed to a first-class experience, we focus on developing longstanding relationships that can potentially provide special value to you and your family. We speak with you regularly to provide updates on your accounts. We also monitor progress towards each of your goals, adjusting your financial plan accordingly as changes in your life occur with quarterly meetings.
Launched in 2017, HER Way is a cross-platform community of women dedicated to helping one another achieve our personal and financial goals. HER Way's goal is simple but powerful: we want you to feel informed and inspired, so you can EMBRACE your financial decision making, build a strong foundation and network, and have the freedom you need to pursue your interests and passions. By connecting you with a supportive community and quality information curated by seasoned women Morgan Stanley financial advisors, we aim to EMPOWER you and help you live your best life, the way you want – HER way.
HER Way: Helping women ENGAGE financially, EMBRACE opportunity and become EMPOWERED to live their best lives
Previous HER Way Events
10/8/2024- HER Day 2024
HER Way, founded in 2017, is dedicated to helping women engage with one another around money matters, striving to accelerate successful outcomes in achieving personal and financial goals. Morgan Stanley's HER Day will feature HER Talks and discussions with luminaries and thought leaders for a market update and across five key disciplines: Health & Wellness, Personal Finance, Personal and Professional Development, Entrepreneurship and Philanthropy. Please join us, and our special guests, to share insights on important topics, financial trends and be part of the conversation.
9/10/2024- Empowering Women Financial Advisors
Our special guest, Julie Biel, Senior Research Analyst at Kayne Anderson Rudnick Investment Management, will also be available to share her insights on the financial landscape.
5/8/2024- Women in Media- Elevating Women’s Views and Voices
Women's impactful presence in media elevates women's views, voices, and consumers preferences. Discover how these industry influencers are reshaping societal perceptions and inspiring women in their personal and financial decision-making, leveraging their experiences and platforms in film, radio, and TV.
3/13/2024- Beyond the Check-Up: Understanding the Drivers of Physical and Financial Wellness
Join us as we celebrate International Women's Month by focusing on women's physical and financial health. Women's health and financial needs change over time – what works in our 20s may not work in our 50s and beyond. Join us to learn how to successfully navigate the decades with physical and financial strength at any age. Learn more about the latest trends and how to separate the facts from the fads.
1/17/2024- Economic & Market Outlook for 2024
Experience an exclusive preview of the future at our 2024 Economic and Market Outlook event. Join our distinguished speakers, Gabriela Santos, Managing Director, Chief Market Strategist for the Americas on the Global Markets Insights Strategy Team at JP Morgan Asset Management, and Sarah Wolfe, Vice President of US Economics at Morgan Stanley's Research Team, as they decode the trends shaping markets and offer key insights to navigate the evolving economic landscape.
12/13/2023- Andrew Moore: Whiskey Point and Other Tales Yancey Richardson Gallery
We are thrilled to invite our special clients who appreciate art to an upcoming exhibition in December. We will be showcasing the remarkable work of Andrew Moore at Yancey Richardson gallery. Moore's photography delves into the intersections of history and place, capturing vibrant moments in architectural structures and landscapes around the world. The exhibition, Whiskey Point and Other Tales, delves into the dazzling scenes and moody vistas of the storied Hudson Valley of New York.
11/8/2023- Building a Timeless Wardrobe and Diversified Portfolio
Experience an exhilarating fireside chat on crafting a timeless wardrobe and achieving financial wellness! Be part of the excitement as our guest speaker, Gayle Perry shares invaluable insights. Rally your friends, bring your burning questions, and get ready for a captivating Q&A session. Indulge in delectable lite bites and wine, adding a touch of luxury to this unforgettable event. Don't miss your chance – join us for an evening of inspiration and empowerment.
2025 Outlooks
As inflation around the world continues to normalize, investors will contend with the new shape of policies in the U.S., which may impact growth but could bring favor to riskier assets in 2025. View our collection of 2025 outlooks.
Learn More
Global Investment Committee On the Markets
Monthly collection of the most timely research and strategy across Morgan Stanley and external partners presented by our Global Investment Committee.
Learn More
529 Education Savings Plans
529 plans offer a flexible, tax-advantaged way to invest for education expenses while helping to improve estate planning. Gain fiduciary oversight of your education funding strategy within the context of your broader portfolio through the exclusive Morgan Stanley National Advisory 529 Plan.
529 Plan Options at Morgan Stanley
Maximum Benefit and Contribution Limits
These days, it's common for retirement to span multiple decades—which means your savings plan needs to be well thought out. Thoughtful planning and early saving can go a long way toward helping you achieve the lifestyle you want in retirement. Explore the contribution limits on each retirement plan that may be offered by your employer.
Learn More
6 Tips to Prepare for Tax Day
As the April 15 federal income tax filing and payment deadline approaches, consider these tax season moves. The sooner you get started, the better prepared you'll be for Tax Day. Here are some strategies to consider.
Learn More
Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program for eligible Morgan Stanley clients designed to deliver additional value beyond wealth management. The program provides access to exclusive offers and discounts from premium brands, as well as curated content from our partners and Morgan Stanley thought leaders.
Learn MoreLocation
55 East 52nd Street 10th
Fl
New York, NY 10055
US
Direct:
(212) 603-6100(212) 603-6100
Meet The Anne Izzillo Group
Phone:
(212) 230-3693(212) 230-3693
Patrick J. St. Onge
Wealth Management Associate
Phone:
(212) 603-6217(212) 603-6217
Daniel Izzillo
Registered Client Service Associate
Phone:
(212) 603-6169(212) 603-6169
About Anne Izzillo
Anne Izzillo brings a lifetime of experience to her role as a Senior Vice President and Financial Advisor with Morgan Stanley Wealth Management. Growing up, she was inspired by both her mother and her grandmother, two strong matriarchs who managed their households as if they were running successful businesses. Her father was also a strong influence, teaching Anne how to invest wisely in the markets.
Today, she makes it a priority to be an advocate for her select group of clients, helping empower them to be confident in their financial decisions and to have the freedom to pursue their life goals. Anne understands the importance of financial independence and aspires to be a trusted advisor who not only develops highly customized strategies but delivers them with a personal touch.
After enjoying a rewarding career in both New York City and London, Anne returned home to pursue her entrepreneurial dream of building her own family wealth practice. She joined Morgan Stanley, a firm she recognized would offer her access to a industry leading investment platform and a culture that supports independent, objective advice.
A strong believer in continuing education, Anne has earned multiple designations, a testament to her commitment to excellence in wealth management. As a Family Wealth Advisor, Financial Planning Specialist and Portfolio Management Director, she not only can work through often complicated family dynamics with ease but also can deliver insights to build and manage customized investment portfolios that are aligned with each client’s goals and values.
Anne brings the same high level of energy she exudes in serving her clients to the many activities she enjoys outside of work, including singing in two choirs at St. Ignatius Loyola Church in New York City and running financial literacy seminars to empower women. Her appreciation of wine led to her membership in the Kylix Society, a chapter of the American Wine Society in New York City. Anne is a Europhile and an Anglophile and loves to speak French, hike, swim, dance and cook for friends and family.
Today, she makes it a priority to be an advocate for her select group of clients, helping empower them to be confident in their financial decisions and to have the freedom to pursue their life goals. Anne understands the importance of financial independence and aspires to be a trusted advisor who not only develops highly customized strategies but delivers them with a personal touch.
After enjoying a rewarding career in both New York City and London, Anne returned home to pursue her entrepreneurial dream of building her own family wealth practice. She joined Morgan Stanley, a firm she recognized would offer her access to a industry leading investment platform and a culture that supports independent, objective advice.
A strong believer in continuing education, Anne has earned multiple designations, a testament to her commitment to excellence in wealth management. As a Family Wealth Advisor, Financial Planning Specialist and Portfolio Management Director, she not only can work through often complicated family dynamics with ease but also can deliver insights to build and manage customized investment portfolios that are aligned with each client’s goals and values.
Anne brings the same high level of energy she exudes in serving her clients to the many activities she enjoys outside of work, including singing in two choirs at St. Ignatius Loyola Church in New York City and running financial literacy seminars to empower women. Her appreciation of wine led to her membership in the Kylix Society, a chapter of the American Wine Society in New York City. Anne is a Europhile and an Anglophile and loves to speak French, hike, swim, dance and cook for friends and family.
Securities Agent: CO, NV, NJ, PA, MI, OR, MD, MA, FL, NC, CA, VA, OH, GA, DC, TX, LA, CT, NY, SC, KS; General Securities Representative; Investment Advisor Representative
NMLS#: 1316505
NMLS#: 1316505
About Simone G. Vinocour
Highly regarded for her product and markets knowledge and demonstrated ability to build long-term relationships with clients, Simone Vinocour is a Financial Advisor and Financial Planning Specialist with Morgan Stanley.
With over 20 years of progressive experience in helping multinational Fortune 500 corporate clients in the consumer products and retail, as well as pharmaceutical and medical device industries achieve their financial goals, she is using these same skills to provide wealth management services and solutions to individuals and families, corporate executives and business owners to help them achieve their own financial goals. Known for her distinctive ability to develop strategic long-term relationships, she excels in aligning clients’ needs with the firm’s product offer and research insight to bring solutions.
Simone is passionate about all aspects of wealth management and has a proactive approach in assisting clients in the management of their financial lives so they may have greater capacity to pursue their own professional and personal pursuits. Simone understands the challenges that many of her clients face throughout their lives and the importance of having an advisor to navigate “milestone” financial events such as planning for college, managing executive compensation and retirement planning. Life can often throw a curveball, but a comprehensive financial plan can help to mitigate these financial challenges.
As a recognized leader in diversity and inclusion initiatives, she also is passionate about empowering women in the financial services community and beyond to have the necessary skills for financial and professional success. Simone has been involved actively in the Financial Women’s Association (FWA) of New York since 2002 and is currently its President and Chair of the Board of Directors. She actively serves as a mentor to rising talent in the industry.
Simone’s extensive global experience gives her insight into how global markets impact investors. Simone obtained her MBA in Finance and International Management at New York University, Leonard N. Stern School of Business, and her B.S. in Business Administration at Georgetown University where she studied marketing and German. She additionally studied at Erasmus University, Rotterdam School of Management, completing the International Management Program. She continued to live and work in banking in the Netherlands for six years. Simone holds Series 7, 63, 66 and 79 certifications and is a licensed insurance broker for life, variable, and accident & health insurance as well as long term care. With varying language proficiencies in Dutch, German and French, she is adept in building relationships worldwide across all cultures.
Simone presently resides in New York City, where in her free time she enjoys travel, jazz, and ballet with her husband and two children. Simone also is on the Ministry Council of St. Ignatius Loyola parish in Manhattan and serves as the parish’s Chair of its Interfaith Ministry. On Sunday mornings, you can find her there singing in the Wallace Hall Choir.
With over 20 years of progressive experience in helping multinational Fortune 500 corporate clients in the consumer products and retail, as well as pharmaceutical and medical device industries achieve their financial goals, she is using these same skills to provide wealth management services and solutions to individuals and families, corporate executives and business owners to help them achieve their own financial goals. Known for her distinctive ability to develop strategic long-term relationships, she excels in aligning clients’ needs with the firm’s product offer and research insight to bring solutions.
Simone is passionate about all aspects of wealth management and has a proactive approach in assisting clients in the management of their financial lives so they may have greater capacity to pursue their own professional and personal pursuits. Simone understands the challenges that many of her clients face throughout their lives and the importance of having an advisor to navigate “milestone” financial events such as planning for college, managing executive compensation and retirement planning. Life can often throw a curveball, but a comprehensive financial plan can help to mitigate these financial challenges.
As a recognized leader in diversity and inclusion initiatives, she also is passionate about empowering women in the financial services community and beyond to have the necessary skills for financial and professional success. Simone has been involved actively in the Financial Women’s Association (FWA) of New York since 2002 and is currently its President and Chair of the Board of Directors. She actively serves as a mentor to rising talent in the industry.
Simone’s extensive global experience gives her insight into how global markets impact investors. Simone obtained her MBA in Finance and International Management at New York University, Leonard N. Stern School of Business, and her B.S. in Business Administration at Georgetown University where she studied marketing and German. She additionally studied at Erasmus University, Rotterdam School of Management, completing the International Management Program. She continued to live and work in banking in the Netherlands for six years. Simone holds Series 7, 63, 66 and 79 certifications and is a licensed insurance broker for life, variable, and accident & health insurance as well as long term care. With varying language proficiencies in Dutch, German and French, she is adept in building relationships worldwide across all cultures.
Simone presently resides in New York City, where in her free time she enjoys travel, jazz, and ballet with her husband and two children. Simone also is on the Ministry Council of St. Ignatius Loyola parish in Manhattan and serves as the parish’s Chair of its Interfaith Ministry. On Sunday mornings, you can find her there singing in the Wallace Hall Choir.
Securities Agent: KS, NY, GA, DC, NC, AZ, MI, LA, FL, IL, CO, TX, MD, CA, WI, OH, MA, CT, WA, SC, PA, VA, NV, NJ; General Securities Representative; Investment Advisor Representative
NMLS#: 1792010
NMLS#: 1792010
About Patrick J. St. Onge
Patrick St. Onge was born and raised in Bronxville, New York. He graduated Fordham Preparatory School with Honors and then earned a Business Administration degree at Loyola University Maryland where he majored in Finance and minored in Information Systems. Patrick has been working with Anne since 2015 and enjoys playing lacrosse.
About Daniel Izzillo
As a Client Service Associate, Daniel Izzillo is responsible for day-to-day administrative and investment-related operations. Daniel began his career at Morgan Stanley in January 2022 after interning with Anne and her team in their New York office in the summer of 2019. This internship led Daniel to switch his major in college from Health Sciences to Finance.
Daniel plays a pivotal role on the team by assisting clients with Morgan Stanley’s suite of digital services, helping enhance the overall experience that our clients enjoy.
Daniel graduated Duquesne University with a degree in Finance. He is originally from Montclair, New Jersey and currently resides in Manhattan, New York. Daniel is a huge hockey fan and enjoys playing in his free time and cheering on the New York Rangers.
Daniel plays a pivotal role on the team by assisting clients with Morgan Stanley’s suite of digital services, helping enhance the overall experience that our clients enjoy.
Daniel graduated Duquesne University with a degree in Finance. He is originally from Montclair, New Jersey and currently resides in Manhattan, New York. Daniel is a huge hockey fan and enjoys playing in his free time and cheering on the New York Rangers.
Contact Anne Izzillo
Contact Simone G. Vinocour
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
Megan Auslaender
Private Banker
About Megan Auslaender
Megan Auslaender is a Private Banker serving Morgan Stanley Wealth Management offices in New York City.
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.
Megan began her career in financial services in 2007 and joined Morgan Stanley in 2010 as a Wealth Management Associate. Prior to being promoted to her current position, she served as an Associate Private Banker in New York and Massachusetts. Before she joined the firm, she was a Registered Sales Assistant for Johnston, Lemon & Company Inc. in
Washington, DC.
Megan is a graduate of the Pennsylvania State University where she received a Bachelor of Science in Economics. She lives in Manhattan with her husband and two daughters. Outside of the office, she enjoys spending time with her family, exploring the city, and traveling.
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.
Megan began her career in financial services in 2007 and joined Morgan Stanley in 2010 as a Wealth Management Associate. Prior to being promoted to her current position, she served as an Associate Private Banker in New York and Massachusetts. Before she joined the firm, she was a Registered Sales Assistant for Johnston, Lemon & Company Inc. in
Washington, DC.
Megan is a graduate of the Pennsylvania State University where she received a Bachelor of Science in Economics. She lives in Manhattan with her husband and two daughters. Outside of the office, she enjoys spending time with her family, exploring the city, and traveling.
NMLS#: 1418876
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
Article Image
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
Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
Article Image
Ready to start a conversation? Contact The Anne Izzillo Group today.
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 offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan Stanley 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.
4Morgan 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.
5Morgan 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
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.
7Morgan 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.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
9When 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.
10The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
11Alternative 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.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan Stanley 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.
4Morgan 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.
5Morgan 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
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.
7Morgan 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.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
9When 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.
10The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
11Alternative 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.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)