Emily Bach
Managing Director, Wealth Management, Wealth Advisor, Senior Portfolio Management Director
Phone:
(925) 253-5322(925) 253-5322
The Bach Group at Morgan Stanley
Direct:
(925) 253-5322(925) 253-5322
Our Mission Statement
The Bach Group helps families create personalized financial plans and customized investment portfolios to achieve their unique goals and dreams.
ABOUT THE BACH GROUP AT MORGAN STANLEY
HELPING YOU ACHIEVE YOUR FINANCIAL GOALS
The Bach Group can help you create a personal financial plan and make educated decisions about your investment portfolios. Through a strong planning process and sound investment research, The Bach Group has helped many families clearly define and reach their specific goals and dreams. The Bach Group has grown to include four Investment Professionals and three Support Professionals and manages $1.8 billion for their clients as of November 29th, 2024.
TOP TEAM AND ADVISORS
THE BACH GROUP
• Forbes Best-in-State Wealth Management Teams (2023-2025)
EMILY BACH
• Barron's Top 100 Women Advisors (2006-2022)
• Barron's Top 1200 Financial Advisors (2021-2023)
• Barron's Advisor Hall of Fame (2019)
• Barron's All-Star Women (2015)
• Forbes America's Best-in-State Advisors (2017-2024)
• Forbes Top Women Wealth Advisors (2017-2025)
• Forbes Top Women Wealth Advisors Best-in-State (2022-2025)
• Working Mother's Top Women Financial Advisor Moms (2017-2021)
SEAN PARKS
• Forbes Top 500 Next Generation Wealth Advisors (2017-2018)
• Forbes Best-in-State Next-Gen Advisors (2019)
• Five Star Professional Five Star Wealth Manager (2022-2024)
2006-2022 Barron's Top 100 Women Financial Advisors Source: Barrons.com (Awarded June 2006-2022). Data compiled by Barron's based on 12-month period concluding in Mar of the year the award was issued.
2021-2023 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State) Source: Barrons.com (Awarded 2021-2023). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
2017-2024 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2017-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2017-2025 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors) Source: Forbes.com (Awarded 2017-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2017-2021 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms Source: Workingmother.com (Awarded October 2017-2021). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
2017-2019 Forbes America's Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors) Source: Forbes.com (Awarded 2017-2019). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
2015 Barron's All-Star Women 2015 List Source: The Barron's "All-Star Women" list, published in November 2015. Based on Barron's rankings received over the prior 10 years.
2023-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded Jan 2023, Jan 2024, Jan 2025) Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
2019 Barron's Hall Of Fame List
Source: The Barron's "Hall of Fame" list, published throughout 2022. Based on Barron's rankings received over the prior 10 years.
2022-2024 Five Star Wealth Advisor Award (Award was issued in 2022, 2023, 2024). The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period from Jan 9 – Aug 9.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Getting Started
PERSONAL APPOINTMENTS
We encourage you to call our office to schedule your complimentary portfolio review with one of The Bach Group’s Financial Advisors. During our initial meeting we will guide you through the process of defining your goals and objectives, review your investment history and risk tolerance to best define a course of action for you and your family. To prepare for your meeting we ask you to complete “The Bach Group – Financial Organizer” and gather the items listed on “What to Bring to Your Financial Review”.
What to bring to your Financial ReviewA WRITTEN FINANCIAL PLAN
Once we have completed your initial meeting and understand your unique needs and goals, we will create a personalized written financial plan outlining our suggested course of action. In that meeting, we will review the plan in detail and also explain any fees that are associated with your specific financial proposal. Our goal is to educate you about your financial plan so you are comfortable with the investments decisions.
ONGOING EXCELLENT SERVICE
Once we have implemented your financial plan, continued maintenance is essential in meeting your long-term investment goals. It is important to make adjustments to the plan as the investment environment and your life changes. Our goal as Financial Advisors is to guide you along the entire journey. We are dedicated to developing good long-term relationships and helping you achieve your goals every step of the way.
The Bach Group - BrochureWorking With You
RETIREMENT PLANNING AND INVESTMENT SELECTION
The Bach Group provides all aspects of financial planning with a focus on retirement planning and college funding needs. Our goal as Financial Advisors is to match the right investments with your specific needs and objectives. We help you select appropriate investments from stocks, bonds, and mutual funds to annuities or cash alternatives that fit your needs. In addition, we work with you to determine advantageous retirement strategies from 401(k) to IRA Rollovers as well as Traditional and Roth IRAs. We want to establish a long-term relationship with you. This is the kind of rapport that can only come from providing sound financial advice and excellent ongoing service.
OUR TEAM APPROACH TO MANAGING YOUR MONEY
We believe that a team approach will provide you with a warm atmosphere and the attention you desire as a valued client. You deserve quick responses to your questions and problems, and through a dedicated team approach we feel the appropriate recommendations be made with prompt and efficient service.
HOLDING YOUR HAND IN GOOD TIMES AND BAD
The Bach Group is here to “hold your hand” every step of the way. Below are some timely educational slides. Should you have specific questions regarding your unique financial situation we are only phone call away.
Emily Bach Featured in Barron's
In The Press
2006-2022 Barron's Top 100 Women Financial Advisors Source: Barrons.com (Awarded June 2006-2022). Data compiled by Barron's based on 12-month period concluding in Mar of the year the award was issued.
2021-2023 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State) Source: Barrons.com (Awarded 2021-2023). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
2017-2023 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2017-2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2017-2024 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors) Source: Forbes.com (Awarded 2017-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2017-2021 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms Source: Workingmother.com (Awarded October 2017-2021). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
2017-2019 Forbes America's Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors) Source: Forbes.com (Awarded 2017-2019). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
2015 Barron's All-Star Women 2015 List Source: The Barron's "All-Star Women" list, published in November 2015. Based on Barron's rankings received over the prior 10 years.
2023-2024 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded Jan 2023-2024) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/23.
2019 Barron's Hall Of Fame List
Source: The Barron's "Hall of Fame" list, published throughout 2022. Based on Barron's rankings received over the prior 10 years.
2022 Five Star Wealth Advisor Award
The award was determined based on an evaluation process conducted by Five Star Professional based on objective criteria for the time period 01/17/2022 through 07/15/2022.
2021-2023 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State) Source: Barrons.com (Awarded 2021-2023). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
2017-2023 Forbes Best-In- State Wealth Advisors Source: Forbes.com (Awarded 2017-2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2017-2024 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors) Source: Forbes.com (Awarded 2017-2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2017-2021 Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms Source: Workingmother.com (Awarded October 2017-2021). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
2017-2019 Forbes America's Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors) Source: Forbes.com (Awarded 2017-2019). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
2015 Barron's All-Star Women 2015 List Source: The Barron's "All-Star Women" list, published in November 2015. Based on Barron's rankings received over the prior 10 years.
2023-2024 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded Jan 2023-2024) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/23.
2019 Barron's Hall Of Fame List
Source: The Barron's "Hall of Fame" list, published throughout 2022. Based on Barron's rankings received over the prior 10 years.
2022 Five Star Wealth Advisor Award
The award was determined based on an evaluation process conducted by Five Star Professional based on objective criteria for the time period 01/17/2022 through 07/15/2022.
Location
2 Theatre Square
Suite 322
Orinda, CA 94563
US
Direct:
(925) 253-5322(925) 253-5322
Meet The Bach Group
Sean Parks, CFP®, ChFC®
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(925) 253-5353(925) 253-5353
Janna Magdaleno, CFP®, CRPC®
Vice President, Investment Consultant, Wealth Planning Specialist
Phone:
(925) 253-5385(925) 253-5385
Caroline Langner
Assistant Vice President, Investment Consultant, Financial Planning Specialist
Phone:
(925) 253-5386(925) 253-5386
Shelby Buccellato
Group Director
Phone:
(925) 253-5308(925) 253-5308
Mary Alice Dinerman
Assistant Vice President, Wealth Management Associate
Phone:
(925) 253-5373(925) 253-5373
Mackenzie Sitzwohl
Registered Client Service Associate
Phone:
(925) 253-5310(925) 253-5310
Anna Miller
Portfolio Management Associate
Phone:
(925) 253-5371(925) 253-5371
About Emily Bach
Emily Bach has been dedicated to providing exceptional service and financial planning advice to her clientele since 1993. Emily has been recognized on several notable lists over her career. For the past seventeen consecutive years 2006-2022 she has been named one of Barron’s Magazine’s “Top 100 Women Financial Advisors.” She has also been named on Forbes Magazine’s 2017-2023 lists for “Best-in-State Advisors” and “Top Women Wealth Advisors.”
2006-2022 Barron's Top 100 Women Financial Advisors Source: Barrons.com (Awarded June 2006-2022). Data compiled by Barron's based on 12-month period concluding in Mar of the year the award was issued.
2017-2023 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors) Source: Forbes.com (Awarded 2017-2023). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2006-2022 Barron's Top 100 Women Financial Advisors Source: Barrons.com (Awarded June 2006-2022). Data compiled by Barron's based on 12-month period concluding in Mar of the year the award was issued.
2017-2023 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors) Source: Forbes.com (Awarded 2017-2023). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Securities Agent: NC, IL, PA, OH, NV, NM, DC, CO, MI, KS, ID, AL, WI, TX, TN, MO, MN, CT, WA, RI, NJ, MA, HI, FL, NY, VA, UT, MT, GA, CA, AZ, WY, OR, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 1261989
CA Insurance License #: 0B42753
NMLS#: 1261989
CA Insurance License #: 0B42753
About Sean Parks
Sean Parks works with The Bach Group at Morgan Stanley to address specific needs and goals of high net worth clients. Since entering the financial industry in 2004, Sean has collected a breadth of knowledge that helps clients develop and implement their own custom financial plan and investment strategies. Sean has been recognized on Forbes Magazine’s lists of “Top 500 Next Generation Wealth Advisors” and “Best-in-State Next-Gen Advisors.”
2017-2019 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors) Source: Forbes.com (Awarded 2017-2019). Data compiled by SHOOK Research LLC based on 12-month period concluding in March of the year the award was issued.
2017-2019 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors) Source: Forbes.com (Awarded 2017-2019). Data compiled by SHOOK Research LLC based on 12-month period concluding in March of the year the award was issued.
Securities Agent: TN, NC, NY, ID, CT, GA, AL, OH, NJ, NH, MO, MD, MA, VA, RI, KS, FL, TX, WA, PA, OR, NV, MT, CO, CA, AZ, NM, MN, MI, IL, HI, UT, IN, WY, WI, IA, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 1460456
CA Insurance License #: 0K59322
NMLS#: 1460456
CA Insurance License #: 0K59322
About Janna Magdaleno
Janna Magdaleno works with The Bach Group at Morgan Stanley to listen to clients, help identify their needs and customize planning strategies for them. She enjoys providing advice and guidance to assist clients in achieving their financial goals and dreams. Janna began her career in the financial services industry in 2009 leading teams in relationship management and delivering exceptional client service.
California Insurance License #0H19450
NMLS #632755
California Insurance License #0H19450
NMLS #632755
About Caroline Langner
Caroline Langner meets with clients to define and address their needs and goals and create individualized financial planning strategies for them. Since joining The Bach Group at Morgan Stanley in 2018, Caroline has proactively helped develop and implement portfolio enhancements and investment strategies. She enjoys building relationships with multiple generations of clients while delivering stellar client service.
NMLS #2550794
NMLS #2550794
CA Insurance License #: 4352463
About Shelby Buccellato
Shelby Buccellato started in the financial industry in 1995. Shelby processes client trades, daily operational and administrative requests and upholds the excellent customer service for which The Bach Group at Morgan Stanley is renowned. In 2013, Shelby became a Notary Public which allows her to notarize Morgan Stanley documents for our clients.
About Mary Alice Dinerman
Mary Alice Dinerman began her investment career in 1977 and has held an array of impressive roles in various capacities. As a member of The Bach Group at Morgan Stanley, Mary Alice’s role includes the coordination of administrative aspects of client accounts and portfolio management. She is committed to providing first class customer service.
CA Insurance License #: California Insurance License # 0D14561
About Mackenzie Sitzwohl
Mackenzie Sitzwohl joined The Bach Group at Morgan Stanley in 2021. Mackenzie’s role includes providing day-to-day operational and administrative coverage for clients and their accounts. In addition, Mackenzie is devoted to maintaining the outstanding customer service for which The Bach Group is recognized.
About Anna Miller
Anna Miller began her career in the financial services industry in 2021 and joined The Bach Group at Morgan Stanley in 2024. She assists with operational and administrative aspects of client accounts, portfolio management and investment research and due diligence. Anna prides herself on providing the outstanding client service for which The Bach Group is known.
Contact Emily Bach
Contact Sean Parks
Wealth Management
From Our Team
About The Bach Group at Morgan Stanley
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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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 Bach 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 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.
2Morgan 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
5When 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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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 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.
2Morgan 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
5When 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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
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.
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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)
