Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(301) 696-8247(301) 696-8247
The Arcadia Group at Morgan Stanley
Direct:
(301) 663-8833(301) 663-8833
Toll-Free:
(800) 634-0072(800) 634-0072
Our Mission Statement
Comprehensive wealth planning strategies for your life and legacy
Helping You Achieve Your Goals
Here at the Arcadia Group, we seek to provide our clients with a professional advisory team that has a reputation for integrity, knowledge, and superior service. We pride ourselves on our ability to deliver comprehensive wealth management, placing the needs of the client first. Our advisory team seeks to accomplish these goals by maximizing the abilities and experience of each team member, while also working in unison to provide a higher level of service to help our clients achieve their financial and life objectives.
Services Include
- Professional Portfolio ManagementFootnote1
- Financial PlanningFootnote2
- Cash ManagementFootnote3
- Planning for Education FundingFootnote4
- Wealth ManagementFootnote5
- Sustainable InvestingFootnote6
- 401(k) Rollovers
- Alternative InvestmentsFootnote7
- Lending Products
- Life InsuranceFootnote8
- Long Term Care InsuranceFootnote9
- Municipal BondsFootnote10
- Qualified Retirement PlansFootnote11
- Retirement PlanningFootnote12
- Corporate Retirement PlansFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
How We Help You Achieve Your Goals
Many of your life decisions involve money, and that is why we have a comprehensive approach to wealth management. We work with you to understand your objectives and what is important to you, and then establish the strategies and plan to help you accomplish those goals.
1. Discovery
We begin by having a conversation to understand your unique financial situation. We establish your goals and what you are looking to accomplish when working with a financial advisor.
2. Evaluate
Once we have a strong understanding of your finances and goals, we begin creating a strategic plan to help achieve those goals, both long-term and short-term. By utilizing the various Morgan Stanley resources, we aim to construct a plan that captures the important details of your life.
3. Communicate Your Plan
We meet with you to present your plan so you understand the strategies that go behind it and the various options you have.
4. Ongoing Review
Once your plan is implemented, we review and track the progress of your plan. Always keeping the client's interests first, we update the plans as needed to help ensure we remain on track to achieve your objectives.
Modern Wealth Management Tools and Resources
Morgan Stanley offers a comprehensive suite of digital resources to help us enhance each aspect of your financial portfolio. Take some time to learn more about some of the many Modern Wealth Management tools we have to offer.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online today
Total Wealth View
Total Wealth View allows us to have a more complete picture of your financial profile. By linking your external accounts, we can deliver a more educated and holistic wealth plan for you.
Learn more about Total Wealth View
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Get started today
Portfolio Risk Platform
Morgan Stanley’s Portfolio Risk Platform combines our industry expertise and BlackRock’s Aladdin Risk Engine to provide a leading single solution that helps you see the potential impact of historical and hypothetical market shocks on your portfolio. The platform utilizes thousands of potential risk factors to help us understand together how risk may affect your portfolio, including investments you hold with Morgan Stanley and externally.
Learn more about our Portfolio Risk PlatformNavigating through life events
Our lives go through many different stages. Check out some resources below for some of many life's events.
Birth
Welcoming a child is a joyous occasion for everyone in the family. As your advisor, we look to help plan and prepare for the financial components that a new child introduces to your life.
Listen here for more
Education
Education is a major investment. As education costs continue to rise, we help you approach the range of educational expenses, with appropriate funding strategies.
Learn more on saving for education
Marriage
Marriage is a big milestone in life, but it can bring many questions surrounding money. As your advisor, we look to guide you through these conversations.
6 money questions to ask before you commit
Retirement
Retirement planning is one of the core focuses of our practice. Whether you are early in your career or nearing the end, together we help you plan and invest for your retirement for a smooth transition.
Make the most of your retirement savings
Death
Dealing with death is never easy. Aside from coping with the loss of a loved one, legal matters also require immediate attention, including administration of the estate. Though it may be hard for individuals to talk about estate planning because of the heartache, addressing it promptly is crucial to saving both time and money, and to minimizing family conflict or confusion.
Navigating decisions after death of a loved oneProtect yourself from cyber scams
In our digital age, cybersecurity is becoming increasingly important. Take a moment to check out some cybersecurity resources to help keep you safe.
Social Engineering Scams
Many of the latest scams revolve around social engineering — using a false pretense to convince individuals to share personal information. The information may seem rather innocuous, and a victim might think there’s no harm in sharing it. But, it could be deviously deployed later to initiate an attack.
Learn more on sidestepping social engineering scams
Protect Your Smart Devices
Smart devices provide convenience and efficiency. But these devices present security concerns, especially regarding privacy. Therefore, it is important to take the necessary precautions to protect your devices.
Learn more on how to protect your devices
Tax Scams
While you’re busy gathering your paperwork for tax season, cybercriminals are devising schemes to steal your identity and money. The Internal Revenue Service identified more than $31 billion in tax fraud and financial crimes in 2022.
Protect yourself from tax scams
Morgan Stanley Security Center
Check out more cybersecurity resources at Morgan Stanley's Security Center.
Security Center
Maintain Good Cybersecurity Habits
Whether it’s strengthening your passwords or treating emails from unknown senders with more caution, you can take a number of steps to reduce the threat of identity theft, online scams, malware, fraud and more.
Learn more
Top Cybersecurity Terms to Know
Here’s a list of common terms to make it easier for you to comprehend the reports or articles you come across and give you the opportunity to react quickly to threats.
Learn moreLocation
30 W Patrick Street
7th Fl
Frederick, MD 21701
US
Direct:
(301) 663-8833(301) 663-8833
Toll-Free:
(800) 634-0072(800) 634-0072
Fax:
(301) 663-4798(301) 663-4798
Meet The Arcadia Group
Executive Director, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(301) 631-7116(301) 631-7116
Phone:
(301) 631-7134(301) 631-7134
Amanda Brien
Portfolio Associate
Phone:
(301) 696-8256(301) 696-8256
About Jean M Joyce
Jean M. Joyce, CFP®
Senior Portfolio Manager
Senior Vice President – Wealth Management
Financial Advisor
Jean Joyce is a Senior Vice President for Morgan Stanley in the Frederick, MD branch. As the Group’s chief financial planner, she is responsible for providing individual strategies and plans to meet the wide-ranging financial, risk, liability, life, charitable, and estate needs of our clients.
Jean is a graduate of St. Mary’s college in Notre Dame, Indiana, and a holder of the financial industry designation, the CERTIFIED FINANCIAL PLANNER™. Jean has been with Morgan Stanley and legacy predecessor firms since 1996 and is very active in charitable and cultural activities in the Frederick Community.
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 initial and ongoing certification requirements.
Senior Portfolio Manager
Senior Vice President – Wealth Management
Financial Advisor
Jean Joyce is a Senior Vice President for Morgan Stanley in the Frederick, MD branch. As the Group’s chief financial planner, she is responsible for providing individual strategies and plans to meet the wide-ranging financial, risk, liability, life, charitable, and estate needs of our clients.
Jean is a graduate of St. Mary’s college in Notre Dame, Indiana, and a holder of the financial industry designation, the CERTIFIED FINANCIAL PLANNER™. Jean has been with Morgan Stanley and legacy predecessor firms since 1996 and is very active in charitable and cultural activities in the Frederick Community.
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 initial and ongoing certification requirements.
Securities Agent: HI, VI, VA, MO, IN, CA, SC, MD, GA, DE, FL, OH, KS, CO, IA, CT, WI, NH, IL, OR, NV, NC, TN, KY, AL, WV, TX, NY, MN, DC, WA, PA, NJ, MI, MA, AZ, VT, ME; General Securities Representative; Investment Advisor Representative
NMLS#: 1261895
NMLS#: 1261895
About J. Robert Tinsley
John Robert Tinsley CFP®
Portfolio Management Director
Executive Director – Wealth Management
Financial Advisor
Rob is a Senior Vice President of Morgan Stanley, in the Frederick, MD office, and Financial Advisor in the Arcadia Group.
In addition to his daily branch office duties, Rob is responsible for financial planning and investment strategies for our clients. He has special experience is the use of options-based hedging, alternatives, and tax-free investments to solve client’s problems. Additionally, he has experience with corporate executive stock-option plans, and corporate retirement plans.
Rob is a 1993 graduate of The College of William & Mary, and earned his master’s degree at The University of Georgia. He has been a practicing Certified Financial Planner™ since 2001. A resident of Kensington, MD, he has been actively involved in coaching at the Maplewood Youth Football organization for 10 years; and is a member of the Knights of Columbus..
He is married to Heather, and is the father of three : Georgia Anne, Clayton, and Carter.
Portfolio Management Director
Executive Director – Wealth Management
Financial Advisor
Rob is a Senior Vice President of Morgan Stanley, in the Frederick, MD office, and Financial Advisor in the Arcadia Group.
In addition to his daily branch office duties, Rob is responsible for financial planning and investment strategies for our clients. He has special experience is the use of options-based hedging, alternatives, and tax-free investments to solve client’s problems. Additionally, he has experience with corporate executive stock-option plans, and corporate retirement plans.
Rob is a 1993 graduate of The College of William & Mary, and earned his master’s degree at The University of Georgia. He has been a practicing Certified Financial Planner™ since 2001. A resident of Kensington, MD, he has been actively involved in coaching at the Maplewood Youth Football organization for 10 years; and is a member of the Knights of Columbus..
He is married to Heather, and is the father of three : Georgia Anne, Clayton, and Carter.
Securities Agent: NC, NJ, IA, CT, TN, NV, HI, FL, MO, ME, MD, MA, DC, WI, NH, WA, VT, PA, OR, MN, KY, CA, AL, VA, RI, ND, MI, DE, SC, KS, AZ, TX, SD, GA, CO, IN, IL, ID, WV, VI, OH, NY; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1285115
NMLS#: 1285115
About Courtney Mills-Picarelli
Courtney Mills-Picarelli
Financial Advisor
Financial Planning Specialist
Courtney is a Financial Advisor in the Arcadia Group at Morgan Stanley, in the Frederick, Maryland office.
She is a graduate of Millersville University of Pennsylvania, where she pursued her degree in Economics and Government & Political Affairs. She is an Alumnae Member of the Delta Zeta Sorority and Economics Honor Society. She is active in her local gardening club and ASPCA. Prior to joining the team at Morgan Stanley, she spent eight years working in financial services, primarily in mortgage lending and banking. It was through her experience as a Mortgage Loan Officer that she realized her aptitude for investment management and desire to provide financial guidance clients beyond the scope of new home financing.
Outside of the office, Courtney enjoys running, practicing yoga and interior design. She and her husband Jarred live outside of Gettysburg, PA, with their two Golden Retrievers, Trotter & Runyan.
Financial Advisor
Financial Planning Specialist
Courtney is a Financial Advisor in the Arcadia Group at Morgan Stanley, in the Frederick, Maryland office.
She is a graduate of Millersville University of Pennsylvania, where she pursued her degree in Economics and Government & Political Affairs. She is an Alumnae Member of the Delta Zeta Sorority and Economics Honor Society. She is active in her local gardening club and ASPCA. Prior to joining the team at Morgan Stanley, she spent eight years working in financial services, primarily in mortgage lending and banking. It was through her experience as a Mortgage Loan Officer that she realized her aptitude for investment management and desire to provide financial guidance clients beyond the scope of new home financing.
Outside of the office, Courtney enjoys running, practicing yoga and interior design. She and her husband Jarred live outside of Gettysburg, PA, with their two Golden Retrievers, Trotter & Runyan.
Securities Agent: SC, AL, NM, TN, AZ, OR, NH, MO, IA, CO, VA, NJ, GA, DC, CA, WI, IL, VI, IN, FL, VT, PA, NY, ME, TX, NV, MN, MA, DE, CT, WV, OH, NC, HI, WA, MD, KY, KS, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 1647784
NMLS#: 1647784
About Amanda Brien
Amanda Brien
Portfolio Associate
Amanda Brien is the Arcadia Group's Portfolio Associate and acts as the main touchpoint for the team's client service. She joined the predecessor firm Legg Mason in 2004 and has been working with the Arcadia Group since 2010.
Outside of work, Amanda enjoys sewing, crocheting, hiking, walking her dogs, and serving others. Originally from the Finger Lakes area of New York, she has been married to her husband since 2000, with one child and her mini dachshunds.
Portfolio Associate
Amanda Brien is the Arcadia Group's Portfolio Associate and acts as the main touchpoint for the team's client service. She joined the predecessor firm Legg Mason in 2004 and has been working with the Arcadia Group since 2010.
Outside of work, Amanda enjoys sewing, crocheting, hiking, walking her dogs, and serving others. Originally from the Finger Lakes area of New York, she has been married to her husband since 2000, with one child and her mini dachshunds.
Contact Jean M Joyce
Contact J. Robert Tinsley
Contact Courtney Mills-Picarelli
Wealth Management
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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
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Arcadia Group today.
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’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan 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
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
6The 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.
7Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
11When 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.
12When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
13When 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.
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’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3Morgan 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
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
5Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
6The 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.
7Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
11When 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.
12When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
13When 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.
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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.
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Awards Disclosures
CRC 6491812 (04/2024)
