John C Ayers, CFP®, CIMA®, CEPA®
Senior Vice President, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER®
Phone:
(401) 276-5935(401) 276-5935
The Ayers Daly Group at Morgan Stanley
Our Mission Statement
Empowering clients to achieve financial prosperity for generations to come.
Our Story and Services
The Ayers Daly Group at Morgan Stanley understands that numbers and strategies are just part of the story. For us, it’s about the relationships. Working in unique situations, we have come to learn it requires a team of individuals who’ve had to endure their own journeys and overcome their own obstacles to fully comprehend the challenges affecting our clients’ lives. By virtue of this, we recognize the level of empathy and relatability it entails to provide you with the guidance and support you and your family need.
Our philosophy is predicated on providing exceptional client service and making ourselves a valuable resource to you during some of the most pivotal moments of your life; to name a few:
• Strategizing the exit of a business
• Experiencing the divorce or loss of a spouse
• Preparing for your retirement years
• Inheriting significant wealth
• Transferring wealth to future generations
What sets us apart—we are multi-generational. Our team is at the cornerstone of tradition and innovation with members that span across multiple decades. We know not only what it means to preserve what is most dear to you, but how to adapt these values to a rapidly changing world by creating a relationship with you that transcends time. Our mission is to be your partner during this evolution and help guide you and your loved ones along the way.
Our philosophy is predicated on providing exceptional client service and making ourselves a valuable resource to you during some of the most pivotal moments of your life; to name a few:
• Strategizing the exit of a business
• Experiencing the divorce or loss of a spouse
• Preparing for your retirement years
• Inheriting significant wealth
• Transferring wealth to future generations
What sets us apart—we are multi-generational. Our team is at the cornerstone of tradition and innovation with members that span across multiple decades. We know not only what it means to preserve what is most dear to you, but how to adapt these values to a rapidly changing world by creating a relationship with you that transcends time. Our mission is to be your partner during this evolution and help guide you and your loved ones along the way.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Ayers Daly Group believes in giving back and are dedicated to bringing positive, meaningful, and impactful changes, to both their clients lives and their communities. Below is a list of some of the organizations our team has had the privilege of serving.
Charitable Organizations
-American Red Cross, Rhode Island Chapter
-Angel flights (medical and compassion flights for people in need)
-Christ the King Parish
-Four Corners Community Chapel
-GFWC-Women's Club of South County
-Girl Scouts Southeastern New England
-Habitat for Humanity
-Leadership Rhode Island
-Lions club, Narragansett
-RI Foundation
-Rotary Club of Wakefield
-Slater Mill
-South County Health (Hospital) Foundation
-United Way of RI
-Women's Fund of RI
Professional Associations
-Charitable Gift Planners of RI
-Estate Planning Council of RI
-RI Society of CPAs
-RIYAN (RI Young Accountants Network)
Credentials and Education
John
-Certified Financial Planner (CFP®)
-Certified Exit Planning Advisor (CEPA®)
-Certified Investment Management Analyst (CIMA®)
- Portfolio Management Director
-B.S Business Administration, Bryant University
-Master of Business Administration, The University of Rhode Island
-Investment Analyst Program, Wharton School of Business
Joanne
-Certified Divorce Financial Analyst (CDFA®)
-Family Wealth Advisor
-B.S Business Administration, Bryant University
-Master of Science in Taxation, Bryant University
Brendan
-Certified Financial Planner (CFP®)
-Portfolio Manager
-B.S Finance, Providence College
Women in Transition
The end of a marriage is a tumultuous time. However, for women, divorce and widowhood can raise a unique set of challenges. Women take on many roles and often navigate complex lives. A solid financial foundation can help women manage their financial future and simplify their financial life. The articles below can be used as a resource to help you through this often difficult transition.
Taking Control of Your Finances After Divorce or Death of A Spouse
Divorce or the death of a spouse can turn the best laid financial plans upside down. An income stream dries up; assets may be divided; in short, where life had a feeling of certainty, you may now be standing on shifting ground.
Read "Taking Control of Your Finances After Divorce or Death of A Spouse"
Planning for Your Financial Future
It’s natural to feel overwhelmed by all the life events we need to prepare for. But women are tough, and we’re smart, and we’re planners. Feeling in control of your finances can propel you in so many other areas of your life, so you owe it to yourself to define your goals, start a dialogue with your loved ones and create a game plan. The modern face of wealth is female, so walk confidently into your financial future.
Read "Women and Wealth: Planning for Your Financial Future"
Planning For a New Beginning
Dealing with the impact of divorce on your financial life can make an emotionally difficult time even more challenging. Although divorce is seldom easy, you can prepare for it- and being prepared will help you feel more in control and better equipped to make informed, confident decisions about your financial future.
Read "Divorce: Planning For a New Beginning"
Life After Divorce
Divorce is almost never easy. The more you know and the better you understand your options, the more prepared you will be to make sound decisions. This will help you take control of your financial life and prepare the way for greater confidence and flexibility in the future.
Read "Life After Divorce: Planning Your Future"
Making the Most of Your Sudden Wealth
Most financial gains are inheritances, but they can also stem from a variety of other sources such as legal settlements. Suddenly inheriting wealth can propel you to financial security or serve as a source of future regret, if not managed wisely. This fact sheet will help you identify the issues involved in managing, preserving and maximizing your new wealth.
Read "Making the Most of Your Sudden Wealth"
Navigating Divorce
It is important to evaluate the impact divorce can have on both your personal and financial matters. The better you understand your options, the more likely you are to make sound financial decisions. This article will help you learn how to build a solid financial strategy that may help provide you with greater confidence and flexibility in the future.
Read "Planning For the New Beginning"
A Woman's Guide to Life & Money
How do you fulfill your caregiving duties without sacrificing your own self care? How does a major life transition like divorce or retirement impact your financial future? If you’re wrestling with some of these questions, the Playbook: A Woman’s Guide to Life & Money may have the answers you’re looking for.
Read "A Woman's Guide to Life & Money"IDENTIFYING YOUR GAPS
Every business will inevitably go through a transition at some point. What separates one transaction from the next lies in the question of who will initiate it: yourself or your heirs?
For most of us, this will be the first and only time we sell our business. It also means the end of the line for our primary career and losing a piece of our identity. Furthermore, the act of selling one's business necessitates giving up control, which, as you know, has been a key factor in your success. It is safe to say that this process is unnatural for entrepreneurs.
During these transitions, we often observed that business owners focus their attention to their business objectives while losing sight of their personal financial goals. Consequently, many fail to adequately consider their income requirements and retirement needs when preparing for succession planning; a costly mistake.
In light of this, we've tailored a process aimed at quantifying your cash flow needs in anticipation of your retirement. For example, if you were to exit your business at the age of 50 or 60, you would presumably need another 30 to 40 years' worth of similar, if not greater income needs. Having a clear vision for how you intend to spend that time and calculating what you will need to adequately satisfy those objectives is often misstated; our goal is to avoid this crucial pitfall. Developing a comprehensive exit plan that considers your business, financial, and personal needs is critical for a successful business transition.
Our process begins by addressing your "gaps" as described above.
TAX-MITIGATING STRATEGIES
The proceeds obtained from the sale of your business or other appreciated assets such as stocks and real estate present an opportunity for extensive capital gains tax planning. This is particularly relevant given the substantial increase in wealth experienced by millions of Americans in the past decade. Fortunately, we can offer a range of strategies that can assist you in reducing taxes by effectively deferring, and in certain instances, eliminate tax liabilities. These strategies encompass various approaches, some of which are outlined below.
- EXCHANGE FUNDS
A taxpayer with a concentrated position characterized by a large capital gain embedded in one or two securities contributes their shares to a fund. In exchange, the taxpayer mitigates their risk by diversifying it across a basket of securities (i.e., S&P 500) while deferring gains.
- CUSTOM INDEXING
A taxpayer invests in a portfolio that is designed to track the return of a specific index (i.e., S&P 500, EAFE, etc.) while intentionally producing capital tax losses that may be used to offset capital gains triggered from other areas.
- QUALIFIED OPPORTUNITY ZONES
A taxpayer with a realized gain invests in a fund that, when managed appropriately, defers the gain until 2026. Furthermore, if the fund is held for a period of 10 years or more, growth in the invested amount becomes tax-free.
- INSTALLMENT SALES
For investors wishing to recognize the gain over a period of years (i.e., selling real estate), we can help structure this into an installment sale for tax purposes, stretching the gain out over several years.
- CHARITABLE GIVING
Either through a donor advised fund, charitable remainder trust (CRT), charitable lead trust (CLT), or similar vehicle, a philanthropic investor can contribute appreciated securities to help in reducing taxes, and depending on the vehicle, receive an income stream.
- REAL ESTATE EXCHANGES
For real estate entrepreneurs seeking to scale back their operations and are concerned about capital gains, we can help facilitate a tax-deferred exchange into a diversified REIT using a combination of both a 1031 and a 721 exchange.
WORKING WITH YOUR HEIRS
Transitioning family wealth to future generations is nothing short of a delicacy. It is a sequence of events that entails a high-level of planning and communication that extends far beyond the requirements of a more conventional process. Its purpose entails not only paving the way for future generations of family members, but also preserving vital relationships and instilling a great deal of hope amongst your heirs.
In our experiences working with families, we've recognized that the absence of a plan and failing to properly communicate your interests for the transition is an avoidable pitfall, yet one that unfortunately arises regularly. Despite this, we firmly believe that with the right amount of preparation, you may not only avoid this, but instead leave a lasting-legacy for generations to come.
Above are some of what we consider to be the "pillars" of Multi-Generational Wealth Planning that hopefully provide some perspective for you to consider.
In our experiences working with families, we've recognized that the absence of a plan and failing to properly communicate your interests for the transition is an avoidable pitfall, yet one that unfortunately arises regularly. Despite this, we firmly believe that with the right amount of preparation, you may not only avoid this, but instead leave a lasting-legacy for generations to come.
Above are some of what we consider to be the "pillars" of Multi-Generational Wealth Planning that hopefully provide some perspective for you to consider.
Location
1 Financial Plaza 19th
Fl
Providence, RI 02903
US
Meet The Ayers Daly Group
Senior Vice President, Wealth Management, Financial Advisor, Family Wealth Advisor, Certified Divorce Financial Analyst
Phone:
(401) 863-8467(401) 863-8467
Brendan M. McIsaac, CFP®
Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Portfolio Manager
Phone:
(401) 276-5915(401) 276-5915
Anne E. Swiader
Portfolio Associate
Phone:
(401) 276-5964(401) 276-5964
Reginald McDonough
Client Service Associate
Phone:
(401) 863-8419(401) 863-8419
About John C Ayers
John is a Financial Advisor who works primarily with selected privately owned businesses and high net worth individuals, assisting them with business transition, retirement and estate planning as well as investment strategies.
John’s varied background helps him provide comprehensive wealth management to his clients. He began his career in financial accounting for a “Big Four” international firm, ultimately receiving his CPA license (non-practicing at Morgan Stanley) and helping a leading banking institution perform financial analysis and business integration. He has spent the last 20 years as a Financial Advisor, earning the CFP®, CIMA®, and CEPA® designations. John has also gone through many life experiences, some good and some painful, that have helped round out his understanding of challenges that many families face.
John graduated from Bryant University, and then received his MBA from The University of Rhode Island. He completed the prestigious Investment Analyst program at the Wharton School of Business.
Since 2012, John has been recognized as one of Rhode Island’s Five Star Wealth Managers, most recently in 2018. This honor is based on 10 objective eligibility and evaluation criteria as defined by Five Star.
His hobbies include cycling, traveling, aviation, and providing charitable flight services from remote areas to metro hospitals.
2012-2018 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2012-2018) These awards were determined through an evaluation process conducted by Five-Star Professional, based on objective criteria, during the following periods:
2012 Award - 05/6/11 - 09/30/11
2013 Award - 05/6/12 - 09/30/12
2014 Award - 05/6/13 - 09/30/13
2015 Award - 05/6/15 - 09/30/15
2016 Award - 05/6/16 - 10/4/16
2017 Award - 03/16/16 - 11/1/16
2018 Award - 03/16/18 - 10/4/18
John’s varied background helps him provide comprehensive wealth management to his clients. He began his career in financial accounting for a “Big Four” international firm, ultimately receiving his CPA license (non-practicing at Morgan Stanley) and helping a leading banking institution perform financial analysis and business integration. He has spent the last 20 years as a Financial Advisor, earning the CFP®, CIMA®, and CEPA® designations. John has also gone through many life experiences, some good and some painful, that have helped round out his understanding of challenges that many families face.
John graduated from Bryant University, and then received his MBA from The University of Rhode Island. He completed the prestigious Investment Analyst program at the Wharton School of Business.
Since 2012, John has been recognized as one of Rhode Island’s Five Star Wealth Managers, most recently in 2018. This honor is based on 10 objective eligibility and evaluation criteria as defined by Five Star.
His hobbies include cycling, traveling, aviation, and providing charitable flight services from remote areas to metro hospitals.
2012-2018 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2012-2018) These awards were determined through an evaluation process conducted by Five-Star Professional, based on objective criteria, during the following periods:
2012 Award - 05/6/11 - 09/30/11
2013 Award - 05/6/12 - 09/30/12
2014 Award - 05/6/13 - 09/30/13
2015 Award - 05/6/15 - 09/30/15
2016 Award - 05/6/16 - 10/4/16
2017 Award - 03/16/16 - 11/1/16
2018 Award - 03/16/18 - 10/4/18
Securities Agent: FL, WA, MD, NC, RI, OR, OH, NY, CO, CA, GA, VA, NH, SC, NJ, MA, HI, DC, ME, CT, NM; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 13761
NMLS#: 13761
About Joanne M. Daly
Joanne Daly, CDFA® is passionate about helping her clients gain greater control of their financial life and helping them plan for a secure and confident financial future. Many of her clients are women who have become responsible for their financial future after experiencing divorce, death of a loved one, or inheriting significant wealth. Joanne helps her clients become financially empowered and make smart decisions about their money. Essentially, Joanne acts as their personal CFO, working in collaboration with their attorneys and CPAs to create a holistic wealth plan, develop a financial lifestyle budget and provide customized strategies to help clients enhance and preserve their wealth.
Joanne is a Certified Divorce Financial Analyst®, she has over 25 years of combined CPA (currently not practicing) and wealth planning experience with a M.S. in Taxation from Bryant University. She is a past President of the American Society of Women Accountants (RI Chapter), past Chair of the Financial Literacy and Planning committee for the Rhode Island Society of CPAs, and current member of the board of United Way of RI, Girl Scouts of Southeastern New England and South County Health Foundation (Hospital) as well as past investment committee member for South County Health.
In addition, Joanne is a frequent guest speaker on financial empowerment for women and has presented at Bryant University Women Summit, AWE Leading Women, and appeared on Patricia Raskin’s Positive Living Radio Show.
Her hobbies include traveling, golfing and volunteering in her community.
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.
To learn more about Joanne and her services, please refer to this link: https://advisor.morganstanley.com/joanne.daly
Joanne is a Certified Divorce Financial Analyst®, she has over 25 years of combined CPA (currently not practicing) and wealth planning experience with a M.S. in Taxation from Bryant University. She is a past President of the American Society of Women Accountants (RI Chapter), past Chair of the Financial Literacy and Planning committee for the Rhode Island Society of CPAs, and current member of the board of United Way of RI, Girl Scouts of Southeastern New England and South County Health Foundation (Hospital) as well as past investment committee member for South County Health.
In addition, Joanne is a frequent guest speaker on financial empowerment for women and has presented at Bryant University Women Summit, AWE Leading Women, and appeared on Patricia Raskin’s Positive Living Radio Show.
Her hobbies include traveling, golfing and volunteering in her community.
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.
To learn more about Joanne and her services, please refer to this link: https://advisor.morganstanley.com/joanne.daly
Securities Agent: NY, MA, WA, NH, TX, NM, NJ, ME, CO, CA, VT, OR, GA, AZ, VA, TN, OK, CT, MD, HI, AL, DC, NC, FL, RI, OH; General Securities Representative; Investment Advisor Representative
NMLS#: 1510426
NMLS#: 1510426
About Brendan M. McIsaac
Brendan McIsaac is a CERTIFIED FINANCIAL PLANNER and Portfolio Manager based in Providence, Rhode Island. He first began his career at Morgan Stanley as an intern and has remained here since, now working as a Financial Advisor. Working alongside John and Joanne, his focuses have shifted to family wealth planning; placing an emphasis on working closely with the next generation of clients by educating them on financial literacy concepts, wealth building strategies, and helping them navigate life's milestones. Prior to joining the Firm, Brendan graduated from Providence College, earning degrees in both Finance and Business Management. He also attended Bryant University to attain his designation as a CFP®.
A native of Massachusetts' South Shore, Brendan currently resides on the East Side of Providence, Rhode Island, where he is quite active in his local community, most notably with the Rhode Island Young Accountant Network, where he serves as an Associate Chair. In his spare time, he enjoys staying active by playing golf and pickleball; additionally, has helped out coaching youth hockey teams in the area. As a proud alum, Brendan is also an avid follower of the Providence College Basketball team and enjoys attending games regularly.
A native of Massachusetts' South Shore, Brendan currently resides on the East Side of Providence, Rhode Island, where he is quite active in his local community, most notably with the Rhode Island Young Accountant Network, where he serves as an Associate Chair. In his spare time, he enjoys staying active by playing golf and pickleball; additionally, has helped out coaching youth hockey teams in the area. As a proud alum, Brendan is also an avid follower of the Providence College Basketball team and enjoys attending games regularly.
Securities Agent: RI, NM, GA, AZ, NH, VA, OR, OH, FL, CO, WA, NY, NJ, CT, MD, DC, NC, CA, MA, HI, ME; General Securities Representative; Investment Advisor Representative
NMLS#: 1799184
NMLS#: 1799184
About Anne E. Swiader
Anne Swiader is a Portfolio Associate at Morgan Stanley. She first joined the financial services industry in 1987 at Dean Witter as a New Accounts Clerk and was eventually promoted to Operations Manager. She became a Client Service Associate upon obtaining her Series 7 license in 1999. Anne then went on to work at Janney before moving to Smith Barney, which was acquired by Morgan Stanley, in 2003. She transferred to the Providence, Rhode Island, branch in 2014.
A Long Island native, Anne currently resides in Greenville, Rhode Island, with her husband, Steve. While not in the office, she enjoys tending to her flowers and garden. She and Steve are also passionate hikers, having hiked the 48 4,000 Footers of New Hampshire.
A Long Island native, Anne currently resides in Greenville, Rhode Island, with her husband, Steve. While not in the office, she enjoys tending to her flowers and garden. She and Steve are also passionate hikers, having hiked the 48 4,000 Footers of New Hampshire.
About Reginald McDonough
Reginald McDonough is a Client Service Associate at Morgan Stanley who started in Financial Service with Fidelity Investments in 1997. He joined Morgan Stanley’s Providence branch in 2016. He’s served in a variety of operational roles throughout his 20 plus years in the industry and prides himself on providing exemplary customer service.
A Massachusetts native, Reggie currently resides in Lincoln, RI. He has a daughter, Emily who is attending the University of Alabama. He enjoys playing golf and summer at the beach.
A Massachusetts native, Reggie currently resides in Lincoln, RI. He has a daughter, Emily who is attending the University of Alabama. He enjoys playing golf and summer at the beach.
Contact John C Ayers
Contact Joanne M. Daly
Contact Brendan M. McIsaac
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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Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
State of the Workplace Study 2023
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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 Ayers Daly 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 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.
2When 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.
3Morgan 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.
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.
5Morgan 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.
6Alternative 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.
7Morgan 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
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 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.
2When 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.
3Morgan 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.
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.
5Morgan 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.
6Alternative 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.
7Morgan 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
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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.
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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.
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Awards Disclosures
CRC 6491812 (04/2024)
