Mark Sanchez
Senior Vice President, Wealth Advisor, Portfolio Management Director
Phone:
(510) 891-0540(510) 891-0540
The 8 Bridges Bay Area Group at Morgan Stanley
Direct:
(510) 891-0555(510) 891-0555
Toll-Free:
(800) 755-1579(800) 755-1579
Our Mission Statement
Our mission is to provide our clients with uncompromising integrity, trust, and loyalty. We deliver custom tailored advice, consolidation of strategies, and personalized solutions to help meet their goals, objectives, and needs.
Our Story and Services
Our highly experienced financial advisory team combines over 100 years of experience advising client families utilizing a disciplined client reporting process. We believe success in achieving important financial goals starts with a comprehensive wealth strategy. We will help you define what is most important to you and then formulate the strategies that are appropriate for your needs, whether you are accumulating wealth or investing for income, solidifying your retirement plan or devising a distribution approach that helps meet your lifestyle and legacy goals.
Services Include
- Wealth ManagementFootnote1
- Professional Portfolio ManagementFootnote2
- Endowments and FoundationsFootnote3
- Corporate Retirement PlansFootnote4
- Financial PlanningFootnote5
- Retirement PlanningFootnote6
- Planning for Individuals with Special Needs
- Trust AccountsFootnote7
- Alternative InvestmentsFootnote8
- 401(k) Rollovers
- Estate Planning StrategiesFootnote9
- LGBT+ Planning ServicesFootnote10
- Divorce Financial AnalysisFootnote11
- Long Term Care InsuranceFootnote12
- Life InsuranceFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Modern Wealth Management Tools and Resources
Morgan Stanley's comprehensive suite of digital resources has carefully been designed to help enhance each aspect of your financial portfolio. Take some time to learn about some of the many Modern Wealth Management resources that we offer to our clients.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley mobile app! Access your finances and invest in an instant with the help of this handy resource that is available 24/7.
Learn more about Morgan Stanley Online
Total Wealth View
Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
Learn more about Total Wealth View
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative risk engine used by several of the world’s largest institutional asset managers, providing you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios. This helpful tool can assist you in making educated investment decisions with increased confidence.
Learn more about the Portfolio Risk Platform
MS Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that rewards clients with over one million dollars in assets and liabilities invested at the firm. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn more about MS ReservedA Financial Plan Made for You
Our wealth management process begins with you, your investment objectives and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life - your investments and your cash management needs - making sure they align with your goals and wealth management plan.
At Morgan Stanley, we understand that the goals you set today will evolve over time. Your plan will evolve with them - and with the changing circumstances of your life.
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources of Morgan Stanley, we can help you take charge of your financial future an achieve your goals. Below, we have provided some links that will introduce you to a few of the tools that we use, please click to learn more about them. We hope that you will return often to learn more about topics impacting your wealth.
At Morgan Stanley, we understand that the goals you set today will evolve over time. Your plan will evolve with them - and with the changing circumstances of your life.
Leveraging a sophisticated suite of analytic tools, as well as the extensive resources of Morgan Stanley, we can help you take charge of your financial future an achieve your goals. Below, we have provided some links that will introduce you to a few of the tools that we use, please click to learn more about them. We hope that you will return often to learn more about topics impacting your wealth.
LifeView- Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual’s financial life, including investments and cash management needs. Fill out the questionnaire to get started talking with us about creating a personalized strategy for your long-term goals.
Goals Planning System
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
Learn more about GPS
Strategy - Intelligent Withdrawals
Building wealth is a means to an end. Taxes can eat up a significant portion of your assets upon withdrawal. This is why it's vital to look at your entire portfolio and coordinate liquidation to help reduce the impact of taxes and potentially improve investment results.
The decisions your make today can help you save for years to come. Use the resources found in the link below to help get started.
View tax-aware strategies hereThe decisions your make today can help you save for years to come. Use the resources found in the link below to help get started.
Spending and Budgeting Tool
One way to manage savings is by using Morgan Stanley’s Spending and Budgeting tool. These tools help advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
Start using the tool todayOur Clients
We help a diverse group of individuals, families and entities (trusts, foundations, corporations) with their own unique circumstances and needs but they share some common attributes, including:
- Too busy to effectively manage all aspects of their financial life.
- Willing to share important details of their lives including goals, aspirations and concerns.
- Comfortable delegating to trusted professionals.
- Values advice over product, seeking comprehensive solutions.
- At least $500,000 in investable assets. In addition to our broad-based practice, we have used our own professional and personal experiences to develop specializations in helping certain types of clients. In addition to our broad-based practice, we have used our own professional and personal experiences to develop specializations in helping certain types of clients.
Corporate Executives
As an executive or key insider, you face unique challenges when integrating corporate equity awards into your total financial picture. We offer strategic planning techniques to address needs including liquidity, diversifying out of concentrated stock positions, and risk management – as well as helping you navigate various types of stock options and restricted stock awards.
Multi Generation High-Net-Worth Familes
Navigating wealth across generations requires a thoughtful approach and deep expertise. Our team is dedicated to helping high-net-worth families build, preserve, and transition wealth with confidence. From tailored investment strategies to legacy planning, we understand the complexities involved in managing family wealth through generations.
Women and Wealth
We want to highlight some important topics around this theme. Now more than ever, success in the workplace requires a balance of skills, knowledge, and confidence.
Planning Your Financial Future
Armed with education and a plan, women can feel more
confident about their financial goals and how they’ll
achieve them.
Read Moreconfident about their financial goals and how they’ll
achieve them.
Career Advice From Successful Women in Finance
Morgan Stanley women share how they are navigating
through and thriving in the competitive world of financial
services.
Read Morethrough and thriving in the competitive world of financial
services.
Embracing Equity this Women's History Month
Learn from Fina Perez and Samantha Woggon,leaders in Morgan Stanley Wealth Management, as they share
their thoughts on Women’s History Month.
Read Moretheir thoughts on Women’s History Month.
Location
1999 Harrison St
Suite 2200
Oakland, CA 94612
US
Direct:
(510) 891-0555(510) 891-0555
Toll-Free:
(800) 755-1579(800) 755-1579
Meet The 8 Bridges Bay Area Group
David Bail
Senior Vice President, Wealth Management, Wealth Advisor, Portfolio Management Director
Phone:
(510) 891-0511(510) 891-0511
Tim Sanchez
Senior Vice President, Wealth Management, Financial Advisor, Investment Consultant, Portfolio Management Director
Phone:
(510) 891-5236(510) 891-5236
Phone:
(415) 955-1560(415) 955-1560
Wesley Williams
Financial Advisor
Phone:
(510) 891-0590(510) 891-0590
Phone:
(510) 891-5215(510) 891-5215
Marical Williams
Sr. Client Service Associate
Phone:
(510) 891-5202(510) 891-5202
Julie Flieder
Portfolio Associate
Phone:
(415) 955-1546(415) 955-1546
Leila Esmaili Zamora
Client Service Associate
Phone:
(510) 891-0555(510) 891-0555
About Mark Sanchez
Mark R. Sanchez is a Senior Vice President and Portfolio Management Director with over three decades of experience in the financial sector. Since beginning his career in 1987, he has been at the helm of the 8 Bridges Bay Area Group, focusing on discretionary portfolio management. Mark serves a diverse clientele, including individuals, families, corporations, and nonprofit organizations, offering a comprehensive suite of services such as trading, advisory, and the design and management of tailored active investment strategies.
His approach is firmly rooted in Modern Portfolio Theory and Fundamental Analysis, with a keen awareness of prevailing economic and market dynamics. Mark earned his Bachelor of Science in Economics from San Jose State University, equipping him with a solid foundation for his expertise in investment management.
His approach is firmly rooted in Modern Portfolio Theory and Fundamental Analysis, with a keen awareness of prevailing economic and market dynamics. Mark earned his Bachelor of Science in Economics from San Jose State University, equipping him with a solid foundation for his expertise in investment management.
Securities Agent: MN, IA, MO, KS, CO, AZ, VA, ME, ID, NV, NM, MT, AL, UT, SC, IL, GA, DC, MI, WA, TX, OR, NE, NC, HI, WI, OH, LA, TN, NY, NJ, CA, PA, OK, MA, FL, AK; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1364452
CA Insurance License #: 0A63647
NMLS#: 1364452
CA Insurance License #: 0A63647
About David Bail
David Bail, Portfolio Management Director, Senior Vice President of Morgan Stanley Wealth Management, the 8 Bridges Bay Area Group
David Bail joined Morgan Stanley in 1989, when he began working as an intern in the mail room. Hired as a Financial Advisor in 1991, David become a Senior Vice President in 2000, Portfolio Manager in 2009 and has been a Portfolio Management Director since 2015. His process focuses on a pragmatic approach to macroeconomics, fundamental research and technical analysis encompassed within the application of modern portfolio management theory.
Throughout his career, David has worked with many partners, clients, good friends, teachers, confidants and mentors. They have taught and inspired him thru these collaborations. He is always charismatic and enthusiastic about working with his clients and new people. In 2019, David became a mentor and coach to new advisors in Oakland at Morgan Stanley.
In his personal life, David values family, friendship, and community. He cherishes his two sons, daughter and spouse. His philanthropic endeavors have been a large part of who he is and what the Bail family represents. David is a lifelong youth sports advocate and coach. Having coached and managed 33 baseball and football seasons combined since he was 17. He is a founding member of numerous youth sport organizations. He is a former member of the Bishop O’Dowd High School Board of Regents where he served as chairman of the finance committee for over 6 years. David also is a volunteer speaker for career development at local high schools and is a volunteer for organizations such as Project Aware and the Alameda County Community Food Bank.
Born and raised in Alameda, in 1987, he graduated from Bishop O’Dowd High School in Oakland, CA. In 1991, he graduated from University of Southern California with a B.S. in Investment Finance. David Bail has been a positive impact in Alameda County and the greater world at large through his charismatic nature, educational background, personal life balance, and ample work experience. Hel is constantly starting new projects and has an oceanic view on life with a willingness to help anyone he crosses paths with. He recently founded a nonprofit which has combined his love for LEGO toys and his philanthropy.
david.bail@morganstanley.com
(510) 891-0511
David Bail joined Morgan Stanley in 1989, when he began working as an intern in the mail room. Hired as a Financial Advisor in 1991, David become a Senior Vice President in 2000, Portfolio Manager in 2009 and has been a Portfolio Management Director since 2015. His process focuses on a pragmatic approach to macroeconomics, fundamental research and technical analysis encompassed within the application of modern portfolio management theory.
Throughout his career, David has worked with many partners, clients, good friends, teachers, confidants and mentors. They have taught and inspired him thru these collaborations. He is always charismatic and enthusiastic about working with his clients and new people. In 2019, David became a mentor and coach to new advisors in Oakland at Morgan Stanley.
In his personal life, David values family, friendship, and community. He cherishes his two sons, daughter and spouse. His philanthropic endeavors have been a large part of who he is and what the Bail family represents. David is a lifelong youth sports advocate and coach. Having coached and managed 33 baseball and football seasons combined since he was 17. He is a founding member of numerous youth sport organizations. He is a former member of the Bishop O’Dowd High School Board of Regents where he served as chairman of the finance committee for over 6 years. David also is a volunteer speaker for career development at local high schools and is a volunteer for organizations such as Project Aware and the Alameda County Community Food Bank.
Born and raised in Alameda, in 1987, he graduated from Bishop O’Dowd High School in Oakland, CA. In 1991, he graduated from University of Southern California with a B.S. in Investment Finance. David Bail has been a positive impact in Alameda County and the greater world at large through his charismatic nature, educational background, personal life balance, and ample work experience. Hel is constantly starting new projects and has an oceanic view on life with a willingness to help anyone he crosses paths with. He recently founded a nonprofit which has combined his love for LEGO toys and his philanthropy.
david.bail@morganstanley.com
(510) 891-0511
Securities Agent: AL, WA, SD, IL, IA, WI, OK, NE, MT, GA, CT, VA, TX, OH, NY, MN, ME, NV, NJ, AK, MI, DC, PA, NM, LA, HI, CA, AZ, NC, UT, TN, OR, MD, CO, SC, FL, MO, MA, KS, ID; General Securities Representative; Investment Advisor Representative
NMLS#: 1262318
CA Insurance License #: 0B54680
NMLS#: 1262318
CA Insurance License #: 0B54680
About Tim Sanchez
Tim Sanchez is a Senior Vice President, Financial Advisor and Investment Management Consultant for the 8 Bridges Bay Area Group at Morgan Stanley. In this capacity, he is responsible for co-managing the financial, investment, and estate planning strategy needs for high net worth individuals, corporations, and non-profit organizations. Tim concentrates on portfolio management, alternative investments, and investment manager review and selection. He holds a Bachelor’s Degree from St. Mary’s College of California in Business Management. Tim joined Morgan Stanley and its predecessor firms in 2001 to help form the Sanchez Group. In the twelve years previous to his employment at Morgan Stanley, Tim served as the Regional Branch Manager for Transworld Systems, Inc. a subsidiary of OSI, Inc. Tim resides in Concord with his wife Amy and three children.
Securities Agent: UT, PA, MT, MA, FL, OR, OK, NC, MO, ME, KS, DC, AK, IL, HI, TN, NY, NJ, WA, SC, AL, OH, TX, CA, NM, GA, WI, VA, MN, LA, IA, AZ, NV, NE, MI, ID, CO; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1265181
CA Insurance License #: 0D45616
NMLS#: 1265181
CA Insurance License #: 0D45616
About Kevin M Cardenas
Kevin brings over 30 years of financial experience to the team. He joined Morgan Stanley in 1986 after graduating with his BS from California State University- East Bay.
He has since completed his CIMA® certification and is an active member of the Investment Management Consultants Association (IMCA®) and the Association of Investment Consultants (APIC).
Kevin is an active member in his community and is involved with several charitable organizations, including Saint Vincent's Day Home, Bishop O'Dowd High School, and the Oakland Police Department.
He has since completed his CIMA® certification and is an active member of the Investment Management Consultants Association (IMCA®) and the Association of Investment Consultants (APIC).
Kevin is an active member in his community and is involved with several charitable organizations, including Saint Vincent's Day Home, Bishop O'Dowd High School, and the Oakland Police Department.
Securities Agent: OK, MN, VA, TN, ME, MD, LA, MA, AL, WA, UT, PA, NY, FL, OH, KS, HI, GA, CO, OR, NM, NJ, MI, SC, ID, DC, CA, WI, NV, MT, IL, IA, AZ, TX, NE, NC, MO; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1390802
CA Insurance License #: 0A31293
NMLS#: 1390802
CA Insurance License #: 0A31293
About Wesley Williams
A Santa Cruz native, Wesley Williams is a Financial Advisor whose skills lie at the intersection of financial planning, client relations, and talent management. Wesley has extensive experience in constructing comprehensive financial planning strategies that compliment the client's needs; which include retirements, college saving plans, and home buying initiatives.
In gathering information from the client and understanding their investment goals and risk profile, Wesley develops financial plans designed to align with his clients' financial goals.
When he isn't helping families achieve their financial goals, Wesley is a mentor to young adults who are interested in pursuing finance careers at Sonoma State University, where he received his B.S. in Finance. As the youngest member of the group, Wesley is continuously looking for new ways to sharpen his intellect, while creating opportunities for those who come after him.
In gathering information from the client and understanding their investment goals and risk profile, Wesley develops financial plans designed to align with his clients' financial goals.
When he isn't helping families achieve their financial goals, Wesley is a mentor to young adults who are interested in pursuing finance careers at Sonoma State University, where he received his B.S. in Finance. As the youngest member of the group, Wesley is continuously looking for new ways to sharpen his intellect, while creating opportunities for those who come after him.
Securities Agent: HI, AZ, AK, OR, MD, GA, UT, MI, FL, WI, NM, NC, DC, MO, LA, AL, VA, OH, MA, CA, NV, NE, SC, OK, MN, IA, CO, WA, TN, PA, NY, NJ, MT, IL, ID, TX, ME, KS; General Securities Representative; Investment Advisor Representative
NMLS#: 2187234
NMLS#: 2187234
About Egan Brown
Egan Brown is a Financial Advisor and Portfolio Manager who focuses on goals-based planning. He has been with Morgan Stanley since 2017 and has been recognized as a member of the Pacesetters Club from 2019 through 2024.
Prior to joining Morgan Stanley, Egan worked as a Program Manager at a tax-centric financial services company. He also served as a Board Member of the Financial Planning Association of the East Bay.
Egan received his Bachelor's degree in business-finance from Morehouse College, where he also played on the football team. Egan then received his MBA from the University of Texas-Austin. He was born and raised in the Bay Area.
When he is not working with clients, Egan is an active pickleball enthusiast.
Prior to joining Morgan Stanley, Egan worked as a Program Manager at a tax-centric financial services company. He also served as a Board Member of the Financial Planning Association of the East Bay.
Egan received his Bachelor's degree in business-finance from Morehouse College, where he also played on the football team. Egan then received his MBA from the University of Texas-Austin. He was born and raised in the Bay Area.
When he is not working with clients, Egan is an active pickleball enthusiast.
Securities Agent: ME, LA, HI, GA, AL, UT, NY, MO, IL, FL, CT, OR, OH, NV, MI, CA, WA, TX, MA, CO, AZ, VT, OK, NM, DC, KY, IN, VA, PA, NJ, NH, TN, MT, MD, IA, SC, NE, KS, ID, WI, NC, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 1719822
CA Insurance License #: 0M41042
NMLS#: 1719822
CA Insurance License #: 0M41042
About Marical Williams
Marical Williams is a Senior Client Service Associate who has nearly 20 years of industry experience. She joined Morgan Stanley in 2017 and holds a BA in Economics from San Francisco State University.
Marical directs day to day administrative items for the team; including account transfers, securities and cash movement, and appointment maintenance.
When Marical isn’t supporting clients, she enjoys cooking and trying new recipes with friends and family. Marical currently resides in Orinda with her husband Derek, their two children, and their dog, Zero.
Marical directs day to day administrative items for the team; including account transfers, securities and cash movement, and appointment maintenance.
When Marical isn’t supporting clients, she enjoys cooking and trying new recipes with friends and family. Marical currently resides in Orinda with her husband Derek, their two children, and their dog, Zero.
About Julie Flieder
Julie brings over 30 years of experience in the financial services industry to the team. Prior to joining Morgan Stanley, she spent eight years with Oppenheimer in client services, fostering strong client relationships while assisting one of the top producers. She has also managed customer service groups at both the Pacific Options Exchange and in the Chairman’s Division at Charles Schwab. Julie spent time as an equity trader at William Blair and as a financial analyst in Global Finance at Goldman Sachs. She is a graduate of the University of Iowa and holds both the Series 7 and 66 securities licenses.
Julie grew up in the Chicago area, and besides the Bay Area, has lived in Dallas, New York and Phoenix. She loves to travel and is an avid movie buff.
Julie grew up in the Chicago area, and besides the Bay Area, has lived in Dallas, New York and Phoenix. She loves to travel and is an avid movie buff.
Contact Mark Sanchez
Contact David Bail
Contact Tim Sanchez
Contact Kevin M Cardenas
Contact Wesley Williams
Contact Egan Brown
Wealth Management
Global Investment Office
Portfolio Insights
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
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
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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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
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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Ready to start a conversation? Contact The 8 Bridges Bay Area Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
5Morgan 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.
6When 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.
7Morgan 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.
8Alternative 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.
9Morgan 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.
10Morgan 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.
11Morgan 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.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
5Morgan 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.
6When 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.
7Morgan 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.
8Alternative 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.
9Morgan 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.
10Morgan 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.
11Morgan 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.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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Awards Disclosures
CRC 6491812 (04/2024)