Ben Archer, CPWA®
Managing Director, Private Wealth Management, Private Wealth Advisor
Phone:
(610) 260-7171(610) 260-7171
Morgan Stanley Private Wealth Management
The Archer-Lang Group
Direct:
(610) 260-7173(610) 260-7173
Our Mission Statement
Our goal is to preserve and grow your financial, personal, and social capital, so that it can have the greatest positive impact today and for generations to come.
Our Commitment To Clients
Over the past 25 years, our team has served some extraordinary people.
We have stood by our clients as they have built businesses, excelled in their careers, started families and launched their children out into the world.
We have worked with many of these families for multiple generations, through up and down cycles in the markets and meaningful events in their personal and professional lives. In building these long-term relationships, we have come to appreciate the timeless qualities of continuity, stability and stewardship.
Our business is built on five pillars of value:
Access
To our team and the brightest people and vast global resources of Morgan Stanley.
Integrity
We do what's right over what's easy, in small and big ways. We have the courage of our convictions, and work to earn the trust of everyone we serve.
Clarity
We are at our best when things are most complex, navigating every detail. We are analytical but always with purpose, and direct about the way forward.
Grit
We bring perseverance and passion to all we do and apply rigor to every effort, every time.
Performance
We strive to deliver operational excellence and exceed expectations.
Capabilities
- Asset Management
- Retirement PlanningFootnote1
- Financial PlanningFootnote2
- Business PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Life InsuranceFootnote5
- Philanthropic ManagementFootnote6
- Executive Benefit ServicesFootnote7
- Sustainable InvestingFootnote8
- Trust ServicesFootnote9
- Planning for Education FundingFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
About PWM
Founded in 1977, Private Wealth Management is the division of Morgan Stanley Wealth Management that is dedicated to serving the firm’s most affluent clients, including some of the world’s most accomplished entrepreneurs, executives and stewards of multigenerational wealth. Functioning as an exclusive investment boutique within a global financial firm, we deliver sophisticated solutions that leverage the intellectual capital and insight of Morgan Stanley’s substantial global resources. Drawing on a deep understanding of your financial life, our goal is to help you:
- Manage investments with an unwavering focus on your financial strategy and personal goals
- Create comprehensive, multigenerational wealth management plans based on your needs, challenges and the values that guide your life and legacy
- Simplify financial complexity to help you achieve clarity and control
Private Wealth Management Highlights
- Approximately 350 teams1 specialized in assisting individuals and families with $20MM+ in investable assets
- Over $980 billion in AUM1
- Comprising 23% of the Barron’s Top 250 Private Wealth Management Teams for 2024
- Direct access to ultra high net worth experts in philanthropy, family dynamics, wealth transfer, lifestyle advisory and other areas of interest to ultra high net worth families
1 Morgan Stanley Wealth Management, December, 2024
Source: Barron's.com (May 2024) 2024 Barron's Top 250 Private Wealth Management Teams awarded in 2024. The teams are ranked on a variety of factors, including their size and shape, their regulatory records and credentials of their members, and the resources they have at their disposal to serve their client bases. The rankings are meant as a starting point for clients looking for an advisor—a first-pass vetting that can help investors narrow a search. Every advisor will have his or her own approach to investing, financial planning, and other services. Clients are encouraged to approach a search for an advisor the way they would a search for a doctor—interviewing multiple professionals and getting opinions from multiple third parties. Rankings are based on the opinions of Barron's and this ranking may not be representative of any one client’s experience. This ranking is not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with Barron's. Barron’s is a registered trademark of Dow Jones & Company, L.P. All rights reserved.
Sophisticated Wealth Analysis and Structuring
Our clientele consists of families with generational wealth, corporate executives, and entrepreneurs.
Generational Wealth
Combining our experience in multigenerational wealth management and business succession planning, we can help you navigate the intersection of family, business, finance and legacy. By building an integrated financial plan that addresses the complexities of your entire financial situation, we’ll serve your current needs and help you meet the goals of future generations.
Corporate Executives
We have extensive experience helping senior executives manage complicated equity award packages and deferred compensation. This positions us to help you get the most from your compensation plan and to integrate those plans into your overall wealth management strategy.
Entrepreneurs
Whether you are still building your enterprise or looking to exit now, knowing who to work within each facet of a business transition can make all the difference. Our team offers advisory solutions that provide insight and empower educated financial decisions at every phase of your company’s journey from startup to monetization.
Every month or so, Ben offers personal commentary on topics such as current events, market dynamics, and investment strategy. The purpose of this communication is to reinforce behavioral finance concepts we find useful.
Clients have come to really appreciate these “briefs”, as they elevate the advice and guidance they receive.
Clients have come to really appreciate these “briefs”, as they elevate the advice and guidance they receive.
Location
100 Front St
Ste 600
West Conshohocken, PA 19428
US
Direct:
(610) 260-7173(610) 260-7173
Meet The Archer-Lang Group
Matt Lang, CFP®, CEPA
Private Wealth Advisor, CERTIFIED FINANCIAL PLANNER®, Portfolio Manager, Family Wealth Director
Phone:
(610) 260-7172(610) 260-7172
Melissa Moyer
Vice President, Director of Business Strategy
Phone:
(610) 260-7173(610) 260-7173
Venus Robinson
PWM Client Service Associate
Phone:
(610) 260-7758(610) 260-7758
About Ben Archer
Ben Archer leads a team of accomplished investment management, financial planning and client service professionals who combine their talents to meet the needs of a select clientele. Over the last 27 years Ben and his team have grown their business and evolved their delivery model to focus specifically on serving the complex challenges of ultra high net worth individuals and families. He has been recognized as a Top 400 Advisor by the Financial Times as well as a Forbes Best-in-State Advisor in Pennsylvania.
As a Certified Private Wealth Advisor® (CPWA®) professional and Senior Portfolio Manager, Ben regularly draws on his advanced knowledge of wealth management topics such as portfolio strategies, wealth transfer, family dynamics, and closely held business ownership. He believes that in-depth planning, rigorous financial management, and continual evaluation can help clients in the pursuit of their goals and aspirations.
Ben began his wealth management career in 1997 at UBS after graduating from Villanova University with a B.A. in business administration. He and his team moved to Morgan Stanley in 2021.
Ben lives in Flourtown, Pennsylvania, and enjoys spending time with his three daughters.
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Feb 2018) Data compiled by SHOOK Research LLC based on time period from 6/30/16 - 6/30/17.
2019-2021 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019-2021). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
Forbes America’s Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based on time period from 3/31/22 – 3/31/23.
2015-2016 Financial Times 400 Top Financial Advisors
Source: ft.com. Data compiled by the Financial Times based the following time periods:
Advisor to choose appropriate years/periods from list below:
Awarded 2016; data 9/30/13 - 9/30/15
Awarded 2015; data 9/30/13 - 9/30/14
As a Certified Private Wealth Advisor® (CPWA®) professional and Senior Portfolio Manager, Ben regularly draws on his advanced knowledge of wealth management topics such as portfolio strategies, wealth transfer, family dynamics, and closely held business ownership. He believes that in-depth planning, rigorous financial management, and continual evaluation can help clients in the pursuit of their goals and aspirations.
Ben began his wealth management career in 1997 at UBS after graduating from Villanova University with a B.A. in business administration. He and his team moved to Morgan Stanley in 2021.
Ben lives in Flourtown, Pennsylvania, and enjoys spending time with his three daughters.
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Feb 2018) Data compiled by SHOOK Research LLC based on time period from 6/30/16 - 6/30/17.
2019-2021 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019-2021). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
Forbes America’s Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based on time period from 3/31/22 – 3/31/23.
2015-2016 Financial Times 400 Top Financial Advisors
Source: ft.com. Data compiled by the Financial Times based the following time periods:
Advisor to choose appropriate years/periods from list below:
Awarded 2016; data 9/30/13 - 9/30/15
Awarded 2015; data 9/30/13 - 9/30/14
Securities Agent: NM, NJ, CO, OK, VA, SD, MD, AZ, WA, PA, NC, DC, VT, NV, IN, IL, DE, UT, TX, NY, MI, MA, CT, CA, OH, MO, MN, ME, FL, SC, TN, NH, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 2190952
NMLS#: 2190952
About Matt Lang
As a CERTIFIED FINANCIAL PLANNER™ professional, Matt focuses primarily on delivering holistic wealth management advice to the team’s ultra high net worth clients. Working to create and implement comprehensive financial plans, Matt helps each client build a financial road map for their assets and liabilities and design an investment strategy that is aligned with their goals. Matt has been named as a Forbes Top Next-Gen Wealth Advisors in 2023 and 2024.
Having grown up in a family business environment—specifically one that has been in his family for more than a hundred years—Matt has unique perspective on addressing the planning needs of closely held business owners. He earned the Certified Exit Planning Advisor (CEPA) designation, the most widely accepted and endorsed exit planning platform available. As a CEPA, Matt focuses on cross-functional consulting and value acceleration, drawing on a multi-disciplinary global network of high caliber advisors in the exit/succession planning community. Matt is a founding member, and current President, of the Exit Planning Institute’s (EPI) Greater Philadelphia chapter. EPI Greater Philadelphia is a community of professional advisors, across a range of disciplines, committed to curating educational programs for business owners and advisors in the areas of succession and exit planning.
As a portfolio manager, Matt helps coordinate the management of client assets in concert with other team members. This process is grounded in rigorous investment research and due diligence. For each client, portfolios are tailored to their unique needs, goals, and strategic objectives. Beyond deep investment research and thoughtful portfolio construction Matt is also focused on investment plan implementation and trading execution.
Matt graduated from Dickinson College where he earned a B.A. in international business and management. In his spare time, he enjoys playing squash, golf and traveling. He lives in Erdenheim, Pennsylvania with his wife, Liz, and their two sons.
Forbes Top Next-Gen Wealth Advisors 2023
Source: Forbes.com (Awarded August 2023) Data compiled by SHOOK Research based on time period from Mar 2022-Mar 2023.
Forbes Top Next-Gen Wealth Advisors 2024
Source: Forbes.com (Awarded August 2024). Data compiled by SHOOK Research based on time period from Mar 2023-Mar 2024.
Having grown up in a family business environment—specifically one that has been in his family for more than a hundred years—Matt has unique perspective on addressing the planning needs of closely held business owners. He earned the Certified Exit Planning Advisor (CEPA) designation, the most widely accepted and endorsed exit planning platform available. As a CEPA, Matt focuses on cross-functional consulting and value acceleration, drawing on a multi-disciplinary global network of high caliber advisors in the exit/succession planning community. Matt is a founding member, and current President, of the Exit Planning Institute’s (EPI) Greater Philadelphia chapter. EPI Greater Philadelphia is a community of professional advisors, across a range of disciplines, committed to curating educational programs for business owners and advisors in the areas of succession and exit planning.
As a portfolio manager, Matt helps coordinate the management of client assets in concert with other team members. This process is grounded in rigorous investment research and due diligence. For each client, portfolios are tailored to their unique needs, goals, and strategic objectives. Beyond deep investment research and thoughtful portfolio construction Matt is also focused on investment plan implementation and trading execution.
Matt graduated from Dickinson College where he earned a B.A. in international business and management. In his spare time, he enjoys playing squash, golf and traveling. He lives in Erdenheim, Pennsylvania with his wife, Liz, and their two sons.
Forbes Top Next-Gen Wealth Advisors 2023
Source: Forbes.com (Awarded August 2023) Data compiled by SHOOK Research based on time period from Mar 2022-Mar 2023.
Forbes Top Next-Gen Wealth Advisors 2024
Source: Forbes.com (Awarded August 2024). Data compiled by SHOOK Research based on time period from Mar 2023-Mar 2024.
Securities Agent: FL, DE, TX, NC, MN, VT, TN, GA, SC, NH, MO, MI, CO, SD, WA, VA, MA, IL, NM, OH, MD, AZ, NY, NV, NJ, IN, UT, DC, CT, CA, PA, OK, ME; General Securities Representative; Investment Advisor Representative
NMLS#: 986330
NMLS#: 986330
About Melissa Moyer
Melissa Moyer is responsible for client service experience, operational execution, organizational management, and strategic initiatives.
Melissa has 30 years of industry experience spanning equity trading, private wealth, operations, and executive level leadership. Previously, she has led client services divisions nationwide and has proven success in streamlining operations while elevating the client service experience. Melissa holds the Series 7, 63, 66, 24, 9 and 10 FINRA Registrations.
Melissa resides in Lansdale, PA. When not in the office she enjoys reading, cooking and spending time with her three children.
Melissa has 30 years of industry experience spanning equity trading, private wealth, operations, and executive level leadership. Previously, she has led client services divisions nationwide and has proven success in streamlining operations while elevating the client service experience. Melissa holds the Series 7, 63, 66, 24, 9 and 10 FINRA Registrations.
Melissa resides in Lansdale, PA. When not in the office she enjoys reading, cooking and spending time with her three children.
About Venus Robinson
Venus Robinson recently joined the Archer-Lang Group with an extensive background in financial services administration and operational support. She has been with Morgan Stanley since 1999 serving in many different capacities. Venus's experience, enthusiasm, and firm-wide network of relationships is an asset to the ALG and further enhances the client experience.
Venus was born and raised in NYC, until moving to Pennsylvania in 2006. She currently resides in North West Philadelphia with her husband Michael and parakeet Luna. In her free time she enjoys spending time with family, disconnecting in the mountains, listening to True Crime and considers herself a total foodie.
Venus was born and raised in NYC, until moving to Pennsylvania in 2006. She currently resides in North West Philadelphia with her husband Michael and parakeet Luna. In her free time she enjoys spending time with family, disconnecting in the mountains, listening to True Crime and considers herself a total foodie.
Contact Ben Archer
Contact Matt Lang
Private Wealth Management
Professional Insights
The Archer-Lang Group Forbes Best-In-State Press Release 2024
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
Managing Significant Wealth
- Investment Management
- Wealth Transfer & Philanthropy
- Cash Management & Lending
- Family Governance & Wealth Education
- Lifestyle Advisory
- Business Services
Funding Climate Action: Pathways for Philanthropy
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Insights and Outcomes
Thought Leadership for our ultra high net worth clients, which contains thought-provoking articles, authored by leading experts from Morgan Stanley Family Office Resources.
Private Wealth Management Podcast
Bringing you engaging stories and key insights surrounding the complexities associated with significant wealth, including:
- Intergenerational Planning
- Philanthropic Giving
- Non-Traditional Assets
- Managing Family Wealth
LISTEN | Passion Assets: Investing in Art
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We look forward to discussing your needs and goals, and the exceptional resources we can place at your disposal.
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.
1When 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.
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 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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, charitable giving, philanthropic planning and other legal matters.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8The 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.
9Morgan 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.
10When 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.
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.
Morgan 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.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website 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.
Morgan Stanley Private Wealth Advisers may only transact business in states where they are registered or excluded or exempted from registration. Transacting business, follow-up and individualized responses involving either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made to persons in states where Morgan Stanley Private Wealth Advisers are not registered or excluded or exempt from registration.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
See the Financial Advisors Biographies for Registration and Licensing information.
Certified Financial Planner™ Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and CFP® (with flame logo)® in the U.S., which it awards to individuals who successfully complete CFP® Board's initial and ongoing certification requirements.
Investment Management Consultants Association, Inc. owns the marks CIMA®, Certified Investment Management Analyst® (with graph element)®, and Certified Investment Management Analyst® .
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Lifestyle Advisory Services: Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Morgan 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
Awards Disclosures
1When 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.
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 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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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, charitable giving, philanthropic planning and other legal matters.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8The 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.
9Morgan 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.
10When 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.
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.
Morgan 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.
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
The securities/instruments, investments and investment strategies discussed on this website may not be suitable for all investors. The appropriateness of a particular investment or investment strategy will depend on an investor's individual circumstances and objectives. The views and opinions expressed on this website may not necessarily reflect those of Morgan Stanley Smith Barney LLC (“Morgan Stanley”). This website and its associated content are intended for U.S. residents only.
Morgan Stanley and its Private Wealth Advisors do not provide tax or legal advice. Visitors to this website should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
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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
Awards Disclosures
CRC 4237142 (02/2025)
