Senior Vice President, Branch Manager, Portfolio Management Director, Alternative Investments Director, Lending Specialist, Senior Investment Management Consultant
Phone:
(419) 842-5312(419) 842-5312
The Aurora Group at Morgan Stanley
Direct:
(419) 842-5315(419) 842-5315
Toll-Free:
(800) 458-1066(800) 458-1066
Our Mission Statement
To help clients manage and grow their wealth through our core principles:
Excellence of Service
Integrity in our Actions
Diligent Solutions
Commitment to
Giving Back
Excellence of Service
Integrity in our Actions
Diligent Solutions
Commitment to
Giving Back
The Aurora Group Approach
When a major life event happens to you or a family member, how far down the list of phone calls is your Financial Advisor? Buying a new home, selling a business, an early retirement, an engagement, inheriting from a family member, a job promotion or expecting your first child or grandchild these are the types of major life events that occur in our lives. It is when these moments occur to our clients that the Aurora Group takes great pride in being one of the first phone calls they make. That is because they know we are their problem solvers.
Our team will work diligently to find a potential solution for the challenges any life event might bring to your financial present and future. With over 130 years of combined experience, The Aurora Group can become an indispensable resource to you. We service an array of clients across the country including: ultra-high & high net worth families, business executives, foundations, emerging wealth individuals, small business owners and physicians. Our goal is to be your problem solvers so that you can spend more of your time running your business, being with your family or just living your life.
We will give you an elevated experience that is specific to your needs. Six professionals work in tandem to make sure that each client is presented with tailored strategies to help reach their long & short term goals. Across our book of business, every client receives one common resource: First Class Service.
Through a holistic approach, we proactively manage your investments. We first work to understand your financial situation, investment values, objectives (both long & short term), and legacy plan. Starting with a comprehensive Financial Plan, we uncover potential solutions for tax-efficient investment planning, retirement, risk management, asset allocation, Donor Advised Funds, lending & insurance.
We implement the investment selection leveraging the unparalleled global resources of Morgan Stanley: portfolio management strategies, advisory account solutions, a broad range of asset manager choices including Morgan Stanley's Global Investment Committee and access to Morgan Stanley's comprehensive suite of alternative investment strategies.
Multiple members of the team have run marathons, so we know about going the extra mile. Working with The Aurora Group is not just about trusting us with your finances, we are here to work with you and your family for generations to come. The role the next generation plays in your legacy is critical. It is paramount that we work with you to have them understand your financial values and goals. Philanthropy is also a core denominator of the individuals on our team. Many of our clients share this same passion. We value supporting the organizations in our communities where we are proud to raise our families.
To get to know the team further, please review our individual bios.
Services Include
- Donor Advised Funds
- Retirement PlanningFootnote1
- Alternative InvestmentsFootnote2
- Cash Management and Lending ProductsFootnote3
- Professional Portfolio ManagementFootnote4
- 401(k) Rollovers
- Asset Management
- Trust AccountsFootnote5
- Business PlanningFootnote6
- Wealth ManagementFootnote7
- Financial PlanningFootnote8
- Planning for Education FundingFootnote9
- Executive Financial ServicesFootnote10
- AnnuitiesFootnote11
- 529 PlansFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Giving Back to the Community
Charitable giving is at the core of our principles here at The Aurora Group. We believe that it is imperative that we give back to the communities in which we work and live. As a team, we work to contribute our time and resources in ways that are most beneficial to the organizations and charities that we feel are the most in need. Through sponsorships, board membership, donations and volunteering we are able to support the causes that are most dear to our teams’ values. Collectively and individually, we serve a number of vital organizations that include:
Emmanuel Christian School – Scott Brown, Board Member
Bella Vita – Scott Brown, Board Member
The Learning Club of Toledo – Scott Brown, Board Member
Northwest Ohio Scholarship Fund – Scott Brown Board Member
Ohio Girls Golf Foundation – Helene D’Andrea, Board Member
Amateur Golf Alliance – Alan Fadel, Chairman of the Board
National Links Trust – Alan Fadel, Board Member
Ohio Golf Association - Alan Fadel, President
Emmanuel Christian School – Scott Brown, Board Member
Bella Vita – Scott Brown, Board Member
The Learning Club of Toledo – Scott Brown, Board Member
Northwest Ohio Scholarship Fund – Scott Brown Board Member
Ohio Girls Golf Foundation – Helene D’Andrea, Board Member
Amateur Golf Alliance – Alan Fadel, Chairman of the Board
National Links Trust – Alan Fadel, Board Member
Ohio Golf Association - Alan Fadel, President
Donor Advised Funds
Many of our clients share our passion and commitment for philanthropy. We work hard to support their aspirations for gifting by working to keep their charitable goals part of their financial plan. Donor advised funds are among the easiest and most tax-advantaged ways to give to charity for donors across the spectrum of wealth.
Giving to a donor advised fund does not have to be complex or time-consuming. Morgan Stanley Global Impact Funding Trust, Inc. (MS Gift) can work with you to:
• Set aside assets for charitable purposes.
• Generate tax advantages immediately.
• Seek growth of the assets.
• Defer selection of specific charities that will receive your grants.
• Maintain decision-making flexibility on the grant recipient, as well as the size, number and timing of grants.
• Multiply your impact through Impact Pools that invest in companies creating a positive environmental and social impact through their products/services or corporate practices.
A well-planned and thoughtful approach to charitable giving benefits donors and, more importantly, the charities you care about. This is why you may want to consider the advantages of a donor advised fund (DAF) as part of your overall charitable giving strategy.
Giving to a donor advised fund does not have to be complex or time-consuming. Morgan Stanley Global Impact Funding Trust, Inc. (MS Gift) can work with you to:
• Set aside assets for charitable purposes.
• Generate tax advantages immediately.
• Seek growth of the assets.
• Defer selection of specific charities that will receive your grants.
• Maintain decision-making flexibility on the grant recipient, as well as the size, number and timing of grants.
• Multiply your impact through Impact Pools that invest in companies creating a positive environmental and social impact through their products/services or corporate practices.
A well-planned and thoughtful approach to charitable giving benefits donors and, more importantly, the charities you care about. This is why you may want to consider the advantages of a donor advised fund (DAF) as part of your overall charitable giving strategy.
How a Donor Advised Fund Works:
A DAF is a charitable giving vehicle administered by a sponsoring organization such as MS GIFT, a 501(c)(3) public charity. DAFs are structured as 501(c)(3) organizations created with the intent of managing charitable donations on behalf of individuals, families and organizations.
Contact our team to discuss if a Donor Advised Fund is the right fit for your needs.
As your wealth grows, so does its complexities and the resources needed to manage it effectively. Take a deeper look at some of the tools we will utilize as advocates of your financial prosperity.
Professional Portfolio Management
Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes about investing with careful analysis of the financial markets. Together, we'll ensure your investment allocation aligns with your goals, liquidity needs, and risk tolerance. Our ongoing reviews adapt to changes in your life and financial markets, continuously addressing your needs.
Retirement Planning
One of our key areas of focus is helping you prepare for and thrive in retirement. From IRAs to RMDs, we manage the complexities of your comprehensive retirement plan assets, helping you easily transition to the next phase of your life with confidence.
Alternative Investments
At Morgan Stanley, we provide individuals and institutions access to world-class alternative investment strategies. These strategies may deliver differentiated sources of return relative to traditional equity and fixed income investments, as well as offer potential for tax efficiency. Our recommendations are based on your own goals and your tolerance for investment risk.
Digital Solutions
With safeguarding your assets and personal information being a top priority, Morgan Stanley utilizes a suite of digital solutions to make managing your accounts and everyday finances seamless and secure. Morgan Stanley Online and our mobile app provide tools such as e-Authorization, the Digital Vault, Send Money with Zelle, Total Wealth View, mobile check deposits, Morgan Stanley Payments (online bill pay) & cash management alerts.
Lending Solutions
You have unique borrowing needs that require a tailored approached. Our lending solutions are designed to meet those needs. We help you understand and decide on the best financing options available to you. With our support you can access the flexible financing you need to seize opportunities, deal with unexpected costs, and build your wealth with confidence.
Tax Management
Taxes are a relevant part in everyone's life, but taking the necessary steps to optimize your tax situation are oftentimes ignored. Building a tax efficient plan helps you in preserving your wealth and preparing you for the tax liabilities you may encounter.
Team Awards, Recognitions, & Designation
Thanks to the unwavering commitment to helping clients and families achieve their investment goals, members of The Aurora Group have been awarded the following industry awards, recognitions, and designations:
Morgan Stanley Century Club 2024
In 2024, Scott Brown, a Senior Vice President, Branch Manager, Financial Advisor, CFA, and CIMA in its Wealth Management office in Toledo Ohio has been named to the Firm’s prestigious Century Club, an elite group composed of the Firm’s top Financial Advisors.
Master of Business Administration
Master of Business Administration (MBA) is a graduate degree that provides theoretical and practical training for business or investment management. An MBA is designed to help graduates gain a better understanding of general business management functions.
Certified Financial Planner® (CFP®)
Certified Financial Planner (CFP) is a formal recognition of knowledge in the areas of financial planning, taxes, insurance, estate planning strategies, and retirement. Owned and awarded by the Certified Financial Planner Board of Standards, Inc., the designation is awarded to individuals who successfully complete the CFP Board's initial exams, then continue ongoing annual education programs to sustain their skills and certification.
Certified Investment Management Analyst® (CIMA®)
Certified Investment Management Analyst® (CIMA®) certification is the peak international, technical portfolio construction program for investment consultants, analysts, financial advisors and wealth management professionals
Location
7311 Crossleigh Court
Toledo, OH 43617
US
Direct:
(419) 842-5315(419) 842-5315
Toll-Free:
(800) 458-1066(800) 458-1066
Meet The Aurora Group
Phone:
(419) 842-5311(419) 842-5311
Phone:
(419) 842-5308(419) 842-5308
Phone:
(419) 842-5310(419) 842-5310
Amira Pedro
Wealth Management Analyst
Phone:
(419) 842-5385(419) 842-5385
Julianne Plazas White
Assistant Vice President, Group Director
Phone:
(419) 842-5386(419) 842-5386
Regan Jahns
Portfolio Associate
Phone:
(419) 842-5315(419) 842-5315
About Scott D. Brown
Scott Brown is a Senior Vice President, Financial Advisor and Branch Manager of The Aurora Group at Morgan Stanley. He has over 30 years of experience in finance. Scott received a BA from Pensacola Christian College and a MBA from Indiana Wesleyan University. He has studied Investment Analysis at The Wharton School of Business and holds the CERTIFIED FINANCIAL PLANNER™ and the Certified Investment Management Analyst designations. As a Morgan Stanley designated Lending Specialist, he has completed training designed to better assist clients evaluate their liquidity needs as part of their larger financial goals.
Scott leads the investment process and securities selection for the group. He utilizes a comprehensive wealth management process to develop actionable plans tailored to individual situations. He is dedicated to thoroughly understanding each client’s financial position, long and short-term goals, and appetite for risk. He uses this information along with the firm’s modern wealth management analytics and risk management tools to formulate customized strategies.
Scott is very involved in the faith-based community both in Toledo and across the country. He proudly serves on the Board of Trustees at the Emmanuel Christian School and is on the board of the Pregnancy Center of Greater Toledo and the Learning Club of Toledo. Scott has been married to his wife Lisa for over 25 years. They have two sons. Connor recently got married and works at Morgan Stanley on a different team. Carter recently graduated Grand Canyon University. The Brown family is very active at the Emmanuel Baptist Church in Toledo.
Scott leads the investment process and securities selection for the group. He utilizes a comprehensive wealth management process to develop actionable plans tailored to individual situations. He is dedicated to thoroughly understanding each client’s financial position, long and short-term goals, and appetite for risk. He uses this information along with the firm’s modern wealth management analytics and risk management tools to formulate customized strategies.
Scott is very involved in the faith-based community both in Toledo and across the country. He proudly serves on the Board of Trustees at the Emmanuel Christian School and is on the board of the Pregnancy Center of Greater Toledo and the Learning Club of Toledo. Scott has been married to his wife Lisa for over 25 years. They have two sons. Connor recently got married and works at Morgan Stanley on a different team. Carter recently graduated Grand Canyon University. The Brown family is very active at the Emmanuel Baptist Church in Toledo.
Securities Agent: NJ, NM, NV, NY, OH, PA, PR, RI, SC, SD, TX, UT, VA, WA, WI, LA, KS, OK, OR, VI, VT, WV, WY, NH, TN, ID, HI, ME, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, IA, IL, IN, KY, MA, MD, MI, MN, MO, MS, MT, NC, ND, NE; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 907667
NMLS#: 907667
About Alan D Fadel
Alan has been in the financial industry for close to 40 years. Along with his career as a Financial Advisor, Alan has thrived in the world of golf. Alan qualified for the PGA tour in 1979. He won the Ohio Amateur Championship in 1995 & the Ohio Mid-Amateur in 1989 and 1999. He is an 11-time Club Champion at the historic Inverness Club and Club Champion at the famed Pine Valley Golf Club (2004 & 2008). As a senior, Alan has qualified for three U.S. Senior Opens. Alan won the 2008 Ohio Senior Amateur Hall of Fame Championship and is 2014 State Mid-Am champion.
Alan’s achievements in the game are not limited to his playing career. He serves as the Chairman of the Board for the Amateur Golf Alliance, President of the Ohio Golf Association and serves on the board of the National Links Trust. Alan is a dynamic leader of the team’s networking, client relations and acquisition. Alan resides in West Palm Beach, FL with his wife Karen.
Alan’s achievements in the game are not limited to his playing career. He serves as the Chairman of the Board for the Amateur Golf Alliance, President of the Ohio Golf Association and serves on the board of the National Links Trust. Alan is a dynamic leader of the team’s networking, client relations and acquisition. Alan resides in West Palm Beach, FL with his wife Karen.
Securities Agent: DE, CT, AR, AL, AK, AZ, CA, CO, FL, GA, IA, IL, IN, KY, MA, MD, MI, MN, NC, NJ, NV, NY, OH, PA, SC, TX, UT, VA, DC, WY, WV, WI, WA, VT, TN, SD, RI, PR, OR, OK, NH, NE, ND, MT, MS, MO, ME, LA, KS, ID, HI; General Securities Representative; Investment Advisor Representative
About Helene T D'Andrea, MBA
With over 15 years of experience, Helene has rapidly cultivated herself into a highly valued Financial Advisor. In 2004, Helene graduated from the University of Toledo with an Honors degree in Finance. Simultaneously, she was awarded as an Academic All-American and four year letter winner in Women’s Golf. After joining The Aurora group in 2007, Helene worked to make herself an even greater asset to our clients by continuing her education at the University of Toledo earning her Masters of Business Administration in 2011. It is clear that the drive Helene has on the golf course, transfers into her career and the dedication that she has for her clients. She brings an engaging experience to her clients that helps to distinguish her practice.
The disciplined approach Helene takes when working with clients is routed in the concept that she is a dedicated Financial Advisor for all of her clients’ financial decisions. With asset preservation as a core principal, she is dedicated to providing highly customized advice, ranging from innovative investment strategies and liability management, to helping optimize insurance and retirement assets. Even for the smallest decision, she will do extensive research to present multiple options to her clients giving them the empowerment to make educated decisions. Helene’s electric personality makes her approachable and allows for clients to feel immediately confident in entrusting her with their financial goals.
Building this relationship with clients is important as it allows her to achieve her goal as a financial advisor - to help guide her clients to and through retirement. It all begins with a personalized financial plan employing a wide array of products and strategies as appropriate for each client. This allows her to diversify their portfolios seeking to optimize growth, while seeking to manage risk and the impact of taxation in an effort to maximize wealth conservation.
Outside of the office, Helene proudly serves on the Board of Directors for the Ohio Girls Golf Foundation to assist young women develop skills on and off the course. She continues to play Golf and is a member of Elyria Country Club where she sits on the membership committee. Helene currently resides in Cleveland, OH with her husband Christopher. They have two children Danielle and CJ.
Disclaimer:
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
The disciplined approach Helene takes when working with clients is routed in the concept that she is a dedicated Financial Advisor for all of her clients’ financial decisions. With asset preservation as a core principal, she is dedicated to providing highly customized advice, ranging from innovative investment strategies and liability management, to helping optimize insurance and retirement assets. Even for the smallest decision, she will do extensive research to present multiple options to her clients giving them the empowerment to make educated decisions. Helene’s electric personality makes her approachable and allows for clients to feel immediately confident in entrusting her with their financial goals.
Building this relationship with clients is important as it allows her to achieve her goal as a financial advisor - to help guide her clients to and through retirement. It all begins with a personalized financial plan employing a wide array of products and strategies as appropriate for each client. This allows her to diversify their portfolios seeking to optimize growth, while seeking to manage risk and the impact of taxation in an effort to maximize wealth conservation.
Outside of the office, Helene proudly serves on the Board of Directors for the Ohio Girls Golf Foundation to assist young women develop skills on and off the course. She continues to play Golf and is a member of Elyria Country Club where she sits on the membership committee. Helene currently resides in Cleveland, OH with her husband Christopher. They have two children Danielle and CJ.
Disclaimer:
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Securities Agent: ID, DE, DC, CT, AR, AL, AK, AZ, CA, CO, FL, GA, IA, IL, IN, KY, MA, MD, MI, MN, NC, NV, NY, OH, PA, SC, TN, TX, UT, VA, VT, WI, WY, HI, WV, WA, SD, RI, PR, OR, OK, NJ, NH, NE, ND, MT, MS, MO, ME, LA, KS; General Securities Representative; Investment Advisor Representative
NMLS#: 1682635
NMLS#: 1682635
About John G Mayer
After 34 years as a highly respected sole practitioner, John has recently joined The Aurora Group. Offering recommendations as a specific response to the particular needs of each individual client has been the core of his service model. He ties this approach with his technical research and rigorous analysis of the overall market and individual stock choices. John had an aptitude for trading as a teen. He and his brother purchased silver bars with aspirations of cornering the market like the Hunt Brothers. His interest in the business grew as he studied business at Eastern Michigan graduating with a BA. In 1989, he joined Shearson Lehman & Hutton. Over 34 years, he has stayed in his role through numerous name changes and merges ultimately ending up at Morgan Stanley.
Disclaimer:
Technical analysis is the study of past price and volume trends of a security in an attempt to predict the security's future price and volume trends. Its limitations include but are not limited to: the lack of fundamental analysis of a security's financial condition, lack of analysis of macroeconomic trend forecasts, the bias of the technician's view and the possibility that past participants were not entirely rational in their past purchases or sales of the security being analyzed. Investors using technical analysis should consider these limitations prior to making an investment decision.
Disclaimer:
Technical analysis is the study of past price and volume trends of a security in an attempt to predict the security's future price and volume trends. Its limitations include but are not limited to: the lack of fundamental analysis of a security's financial condition, lack of analysis of macroeconomic trend forecasts, the bias of the technician's view and the possibility that past participants were not entirely rational in their past purchases or sales of the security being analyzed. Investors using technical analysis should consider these limitations prior to making an investment decision.
Securities Agent: MO, AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MS, MT, NC, ND, NE, NH, NJ, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
About Amira Pedro
Amira has over 25 years of experience working with The Aurora Group. As a relationship manager, Amira establishes and cultivates trusting relationships with new and existing clients, proactively helping them understand their investments and planning strategies. She engages in interactive dialogue with clients and prospects to determine investment objectives, current portfolio status, risk tolerance, and other information necessary to craft comprehensive financial strategy. She assists with conducting research, reporting and creating comprehensive financial plans for our clients. She has a BA from The University of Toledo and specialized in Human Resources. She resides in Sylvania, OH with her husband Tony and three children Alayna, Gabriella, and Anthony. Both girls are currently attending Ohio State University. Anthony is enjoying playing on the football team.
About Julianne Plazas White
Jules has been with The Aurora Group since 2018. A New York native, she relocated from NYC after working at our midtown Manhattan office since 2006. She began her tenure at Morgan Stanley with the Institutional Investor Group. This gave her experience with working with hedge fund managers, CEO’s and large family offices. Transitioning to Wealth Management, Jules provides each client with first-class service. She achieves this by leveraging her extensive knowledge of the broad range of resources Morgan Stanley has to offer. Jules graduated from University of Notre Dame in 2004 cum laude. Jules resides in Sylvania, OH with her husband Scott, toddler John & baby Charlotte.
About Regan Jahns
Regan Jahns has been with Morgan Stanley since 2018. She has been a remarkable addition to the team. Regan brings exceptional customer service to our clients. She excels at maintaining strong relationships and enjoys identifying solutions that can help meet our clients’ needs. Regan studied Architectural Drafting at Morrison Institute of Technology in Morrison Illinois. Regan has completed several of Morgan Stanley’s rigorous training and development programs and is fully licensed.
Regan moved to the Toledo area in 2020 with her husband Matthew and youngest son Miles from central Illinois. She is originally from Blue Mound, Illinois. Her husband is originally from Toledo. Her daughter Ally graduated from The University of Toledo in the spring of 2020 Cum Laude and is now working with another team at Morgan Stanley. Regan’s oldest son, Riley, has been a member of the Illinois Army National Guard since 2018 and deployed to Afghanistan in 2020. He recently joined the Decatur Illinois Police Department. This year Mason, her third child, welcomed a beautiful daughter Lainey to the world. She is the first grandchild. Regan’s youngest son Miles recently started High School and enjoys being on the football team.
Regan's passions are acrylic painting and her taking care of her many plants. She has taught painting classes at local community centers and private parties. She has sold several of her paintings. She enjoys spending time with her family and friends.
Regan moved to the Toledo area in 2020 with her husband Matthew and youngest son Miles from central Illinois. She is originally from Blue Mound, Illinois. Her husband is originally from Toledo. Her daughter Ally graduated from The University of Toledo in the spring of 2020 Cum Laude and is now working with another team at Morgan Stanley. Regan’s oldest son, Riley, has been a member of the Illinois Army National Guard since 2018 and deployed to Afghanistan in 2020. He recently joined the Decatur Illinois Police Department. This year Mason, her third child, welcomed a beautiful daughter Lainey to the world. She is the first grandchild. Regan’s youngest son Miles recently started High School and enjoys being on the football team.
Regan's passions are acrylic painting and her taking care of her many plants. She has taught painting classes at local community centers and private parties. She has sold several of her paintings. She enjoys spending time with her family and friends.
Contact Scott D. Brown
Contact Alan D Fadel
Contact Helene T D'Andrea, MBA
Contact John G Mayer
Wealth Management
From Our Team
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Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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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
Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact The Aurora 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.
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.
2Alternative 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.
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
4Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
7Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
8Morgan 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.
9When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
10Morgan 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.
11Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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
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.
2Alternative 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.
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
4Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors 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.
7Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
8Morgan 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.
9When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
10Morgan 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.
11Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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)
