Brad Parpan, CFP®, CIMA®, CPWA®
Executive Director, Wealth Management, Financial Advisor, Alternative Investments Director, International Client Advisor
Phone:
(561) 650-7562(561) 650-7562
The APEX Group at Morgan Stanley
Direct:
(516) 336-0773(516) 336-0773
Toll-Free:
(800) 488-4083(800) 488-4083
Industry Award WinnerOur Mission Statement
Brad Parpan of The APEX Group is a proud recipient of Florida’s Forbes Best-in-State Wealth Advisors
Named to Forbes Best-in-State Wealth Advisors for 2024 & 2025
Source: Forbes (Awarded January 2024, 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award
Named to Forbes Best-in-State Wealth Advisors for 2024 & 2025
Source: Forbes (Awarded January 2024, 2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award
Clarity. Strategy. Confidence.
At The APEX Group, we help individuals, families, businesses, and organizations gain clarity and confidence in their financial decisions. We understand that behind every financial goal is a personal story—and that real success means aligning your wealth with what matters most to you.
Our team offers personalized investment guidance and a comprehensive approach to wealth management, including retirement planning, equity compensation strategies, insurance planning, and lending solutions. With deep experience and diverse perspectives, we provide clear, practical advice to help you grow, protect, and plan for your financial future.
By understanding your goals, values, and vision, we create tailored strategies to bridge the gap between where you are and where you want to be. Whether you're building wealth, investing for income, solidifying your retirement plan, or devising a distribution approach that supports your lifestyle and legacy, we're here to support every step of the journey.
We believe that strong relationships are built on trust, transparency, and shared values. That's why our approach is highly collaborative—so you can feel confident in every decision you make, no matter how complex the financial landscape may seem.
Our team is proud to hold industry-leading certifications, including:
• CIMA® – Certified Investment Management Analyst®
• CFP® – Certified Financial Planner™
• CPWA® – Certified Private Wealth Advisor®
These credentials reflect our commitment to advanced financial consulting, including intergenerational wealth planning, tax-aware investing, and portfolio management for high-net-worth clients.
Whether you're navigating equity awards, planning a business exit, or preparing for the next chapter of life, The APEX Group is here to help you move forward with clarity and purpose.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Awards, Licenses and Certifications
The APEX Group have been awarded the following industry awards & recognitions:
CFP® - Certified Financial Planner™ (Brad Parpan)
The Certified Financial Planner™ designation is awarded to candidates who have demonstrated expertise in the areas of Education, Investment, Tax, Retirement, Estate and Insurance planning. CFP® professionals must accrue several years of experience related to delivering financial planning services to clients and pass a comprehensive exam before calling themselves a CFP® Professional and are held to strict ethical standards to ensure financial planning recommendations are in the best interest of their clients.
CIMA® - Certified Investment Management Analyst® (Jeremy Doucette & Brad Parpan)
Certified Investment Management Analyst® (CIMA®) certification is the peak international, technical portfolio construction program for investment consultants, analysts, financial advisors and wealth management professionals. CIMA® certification continues to be the highest level of advanced investment education for client-facing advisors.
CPWA® - Certified Private Wealth Advisor® (Brad Parpan)
The CERTIFIED PRIVATE WEALTH ADVISOR® certification is designed for Financial Advisors and consultants who work with high-net-worth clients. The CPWA® professional is armed with the knowledge and skills necessary to guide sophisticated clients through the life cycle of wealth: accumulation, preservation, and distribution.
Forbes Best-in-State Wealth Advisors 2024 & 2025 (Brad Parpan)
Named to Forbes Best-in-State Wealth Advisors 2024 & 2025
2024 & 2025 Forbes Best-In-State Wealth Advisors
Source: Forbes (Awarded January 2024). Data compiled by SHOOK Research LLC for the period (3/31/22-3/31/23). Awards Disclosures
Morgan Stanley Tools & Resources
Our comprehensive suite of digital resources is thoughtfully designed to support and enhance every aspect of your financial profile. As your wealth management team, we encourage you to explore Morgan Stanley's modern wealth management tools, which are an integral part of the services we provide to our clients.
Morgan Stanley Online
Seamlessly and securely manage your investments and everyday finances in one place. With Morgan Stanley Online, you can track your spending and create custom budgets across all your accounts.
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Total Wealth View
Managing multiple financial accounts across different firms can be complicated. With Morgan Stanley Online, you can link your non-Morgan Stanley accounts and analyze your cash flow all in one place.
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Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform, providing you with comprehensive risk analytics and a sophisticated view of risk & return across your financial portfolios.
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Family Office Resources
Family Office Resources (FOR) provides specialized technical expertise to ultra-high net worth Financial Advisors and clients across a broad range of family wealth management issues.
Learn moreTax-Efficient Resources & Strategies
We want to provide our clients with as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. Morgan Stanley offers a variety of resources that can help our clients stay informed and provide a broad range of tax-efficient investment strategies.
2025 Federal Tax Tables
This table shows the 2025 contribution limits for Retirement Plans, Traditional and ROTH IRA Contribution Limits, Health Savings Accounts, and more.
5 Steps that May Reduce Taxes on Your Income and Portfolio
Minimizing tax liabilities in your portfolio can help you build wealth over the long run.
What is tax-loss harvesting exactly?
Tax-Loss Harvesting Can Work Year-Round for Investors—Here's How
Tax-Smart Strategies 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.
Location
777 S Flagler Drive
Suite 700E
West Palm Beach, FL 33401
US
Direct:
(516) 336-0773(516) 336-0773
Toll-Free:
(800) 488-4083(800) 488-4083
1200 Franklin Avenue
2nd Floor
Garden City, NY 11530
US
Direct:
(516) 227-5653(516) 227-5653
Meet The APEX Group
Brian Goldberg
Financial Advisor, Workplace Advisor - Equity Compensation
Phone:
(516) 227-5653(516) 227-5653
Owens Smith
Financial Advisor
Phone:
(516) 227-2826(516) 227-2826
Angela Cordovano
Client Service Associate
Jeremy Doucette, CIMA®
Portfolio Associate
Phone:
(561) 650-7546(561) 650-7546
About Brad Parpan
Brad N Parpan is an Executive Director, a 2022 Century Club Member and founder of the APEX Group at Morgan Stanley. Since becoming a Financial Advisor in 1997 Brad’s focus has been on helping individuals, businesses, foundations and endowments better understand and become more comfortable with their investments.
Always looking to enhance his ability to advise Brad has attended executive education programs at The University of Pennsylvania Wharton School of Business and the University of Chicago Booth School of Business. Brad holds the CPWA® designation, awarded by the Investments & Wealth Institute™ (formerly IMCA®), Certified Investment Management Analyst® (CIMA®) designation, also awarded by the Investments & Wealth Institute™ (formerly IMCA®) and the Certified Financial Planner® (CFP®) designation awarded by the Certified Financial Planner Board of Standards, INC. The knowledge attained by these designations form the foundation of the APEX Group’s financial planning practice.
Prior to Brad’s financial planning career he was a student athlete at Villanova University where he was the quarterback for the Wildcat football team from 1990-1994. After graduating from Villanova Brad played football professionally for the Rhein Fire (Germany) of NFL Europe. To be successful in football, as with being a financial advisor, requires teamwork. This enjoyment of working together is what drove Brad to the financial planning profession.
Brad splits his time between his homes in Southampton NY and West Palm Beach FL. An avid golfer Brad is a member of the Southampton Golf Club and Dutchman's Pipe Club. After living in Europe for 3 years Brad is fortunate to return as often as possible fulfilling his joy of travel.
Always looking to enhance his ability to advise Brad has attended executive education programs at The University of Pennsylvania Wharton School of Business and the University of Chicago Booth School of Business. Brad holds the CPWA® designation, awarded by the Investments & Wealth Institute™ (formerly IMCA®), Certified Investment Management Analyst® (CIMA®) designation, also awarded by the Investments & Wealth Institute™ (formerly IMCA®) and the Certified Financial Planner® (CFP®) designation awarded by the Certified Financial Planner Board of Standards, INC. The knowledge attained by these designations form the foundation of the APEX Group’s financial planning practice.
Prior to Brad’s financial planning career he was a student athlete at Villanova University where he was the quarterback for the Wildcat football team from 1990-1994. After graduating from Villanova Brad played football professionally for the Rhein Fire (Germany) of NFL Europe. To be successful in football, as with being a financial advisor, requires teamwork. This enjoyment of working together is what drove Brad to the financial planning profession.
Brad splits his time between his homes in Southampton NY and West Palm Beach FL. An avid golfer Brad is a member of the Southampton Golf Club and Dutchman's Pipe Club. After living in Europe for 3 years Brad is fortunate to return as often as possible fulfilling his joy of travel.
Securities Agent: ID, SC, NH, CO, IL, CT, AZ, CA, OR, OH, MA, VA, UT, NJ, ME, DE, PA, FL, TX, VT, TN, NY, NV, MD, GA, WA, NC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2576996
NMLS#: 2576996
About Brian Goldberg
Brian Goldberg draws on his 15+ years of experience in the financial services industry to provide his clients with a unique and comprehensive approach to wealth management. Brian takes the time to truly understand each client’s goals and values allowing him to provide solutions tailored to their specific needs. Since joining Morgan Stanley in 2016 Brian has also become a Workplace Advisor for Equity Compensation. This designation allows Brian to assist corporate executives in understanding the intricacies of their company stock plan. Once this understanding is established Brian uses his expertise to implement an equity award optimization strategy allowing The APEX Group to devise a plan that incorporates an individual’s company stock and stock options into their overall financial picture.
Having begun his career in 2006 in the insurance industry another area of Brian’s focus for the APEX Group’s comprehensive wealth management team is liability management. By taking the time to truly understand each individual’s objectives Brian draws on his experience to advise on life & health insurance, long term care insurance, annuities and various forms of personal lending such as traditional mortgages, asset backed lending and more sophisticated hybrid lending.
Brian resides In North Babylon, NY with his wife and 3 daughters. He enjoys spending time with his family, coaching softball, and is an avid sports enthusiast.
Having begun his career in 2006 in the insurance industry another area of Brian’s focus for the APEX Group’s comprehensive wealth management team is liability management. By taking the time to truly understand each individual’s objectives Brian draws on his experience to advise on life & health insurance, long term care insurance, annuities and various forms of personal lending such as traditional mortgages, asset backed lending and more sophisticated hybrid lending.
Brian resides In North Babylon, NY with his wife and 3 daughters. He enjoys spending time with his family, coaching softball, and is an avid sports enthusiast.
Securities Agent: ID, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY, IL, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA; General Securities Representative; Investment Advisor Representative
NMLS#: 580088
NMLS#: 580088
About Owens Smith
Upon completing the Morgan Stanley Wealth Advisor Associate program Owens has become the financial planning specialist for the APEX Group. Owens’ focus is helping investors clearly define their long term wants & needs then he creates a written plan that acts as a road map to help individuals accomplish their goals. Owens’ expertise lies in working with clients to bridge their current financial position to what they hope to achieve in the future.
Additionally, Owens is a Workplace Advisor for Equity Compensation. Owens has attained a high level of training to help corporate executives understand the intricacies of their company stock plan. Once this understanding is established Owens uses his expertise to implement an equity award optimization program allowing The APEX Group to devise a plan that incorporates an individual’s company stock into their overall financial picture.
In his personal time Owens enjoys staying active playing sports and spending time with his Daughter.
Additionally, Owens is a Workplace Advisor for Equity Compensation. Owens has attained a high level of training to help corporate executives understand the intricacies of their company stock plan. Once this understanding is established Owens uses his expertise to implement an equity award optimization program allowing The APEX Group to devise a plan that incorporates an individual’s company stock into their overall financial picture.
In his personal time Owens enjoys staying active playing sports and spending time with his Daughter.
Securities Agent: WY, WI, WA, VT, VI, VA, TN, UT, SD, RI, PR, PA, WV, OH, NY, NV, NM, NJ, NH, MT, MS, MO, MN, NC, MI, ME, MD, NE, MA, LA, KY, KS, IN, ND, IL, ID, GA, OK, OR, CA, DC, CT, SC, CO, HI, TX, FL, AZ, AR, IA, AL, AK, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 1467784
NMLS#: 1467784
About Angela Cordovano
Angela Cordovano has over 26 years of experience in the investment industry. She has been an integral member of The APEX Group for the past 15 years working as a Client Service Associate.
She began her career at PaineWebber/UBS in 1996 and had various roles including Assistant Operations Manager. Angela has a deep understanding of many aspects of the wealth management business. Some of her main areas of focus within the team are helping to maintain strong client relationships and process administrative items so the day to day runs smoothly
Angela is deeply rooted in family and resides in Massapequa, NY with her husband Tom and their 5 children.
She began her career at PaineWebber/UBS in 1996 and had various roles including Assistant Operations Manager. Angela has a deep understanding of many aspects of the wealth management business. Some of her main areas of focus within the team are helping to maintain strong client relationships and process administrative items so the day to day runs smoothly
Angela is deeply rooted in family and resides in Massapequa, NY with her husband Tom and their 5 children.
About Jeremy Doucette
Originally from Long Island, NY, Mr. Doucette moved to South Florida in 2022 to further his career in West Palm Beach with Morgan Stanley. His current role of Portfolio Associate allows him to share his expertise in brokerage operations and work with clients daily. Jeremy is always pursuing the ability to help his clients & team. In 2024, Jeremy completed an executive education program at the University of Chicago Booth School of Business. Jeremy holds the CIMA® designation, awarded by the Investments & Wealth Institute™. Prior to joining Morgan Stanley, Jeremy was a Registered Associate with Merrill Lynch for 3 years.
Jeremy Doucette graduated from Farmingdale State College with a bachelor’s degree in Business Management and a specialization in Legal Studies. Jeremy spent time during his higher education working for a NY District Attorney & The New York State Assembly. Jeremy was the President of the International Business Club from 2018-2020. As a NCAA athlete, Jeremy played Division 3 lacrosse as a goalie.
He is actively engaged within his community & volunteers through firm initiatives. When away from his desk, Jeremy can be found working on his golf game, snowboarding or enjoying a good book.
Jeremy Doucette graduated from Farmingdale State College with a bachelor’s degree in Business Management and a specialization in Legal Studies. Jeremy spent time during his higher education working for a NY District Attorney & The New York State Assembly. Jeremy was the President of the International Business Club from 2018-2020. As a NCAA athlete, Jeremy played Division 3 lacrosse as a goalie.
He is actively engaged within his community & volunteers through firm initiatives. When away from his desk, Jeremy can be found working on his golf game, snowboarding or enjoying a good book.
CA Insurance License #: 4316255
Contact Brad Parpan
Contact Brian Goldberg
Contact Owens Smith
Awards and Recognition
Forbes Best-In-State Wealth Advisors
2024-2025 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2024-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Wealth Management
Global Investment Office
Portfolio Insights
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Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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.
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 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.
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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance 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
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.
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 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.
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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance 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)
