Carmen F Pinto, CFP®
Senior Vice President, Financial Advisor, Portfolio Management Director
Phone:
(206) 842-1567(206) 842-1567
The Bainbridge Island Group at Morgan Stanley
Direct:
(206) 842-4712(206) 842-4712
Toll-Free:
(888) 252-7947(888) 252-7947
Our Mission Statement
Experienced Financial Planning for your Life and Legacy Goals.
Our Story
With The Bainbridge Island Group at Morgan Stanley, we know that successful wealth management is about more than building a portfolio. It’s about building a trusting and transparent relationship. It’s about open lines of communication between the advisors and the clients. It’s about making decisions with the highest degree of integrity. Most importantly, it’s about understanding the unique desires and goals of every client that comes through our door.
That’s why we begin every relationship by building a formal financial plan. Financial planning is a disciplined process, in which we holistically analyze the assets you have, and the decisions you are currently making to achieve your vision of the future. We follow up with a formal presentation of the plan, discussing solutions for manageable risks, and opportunities for additional value. Finally, we think of the plan as a ‘living document’; as your situation changes we will continually review the plan with you, and make adjustments to help meet your developing needs.
The financial decisions you are making today are the foundation of your future. Whether that future includes planning for college, philanthropy, retirement planning, capital preservation, or legacy planning, we will help you develop a road map to your destination.
That’s why we begin every relationship by building a formal financial plan. Financial planning is a disciplined process, in which we holistically analyze the assets you have, and the decisions you are currently making to achieve your vision of the future. We follow up with a formal presentation of the plan, discussing solutions for manageable risks, and opportunities for additional value. Finally, we think of the plan as a ‘living document’; as your situation changes we will continually review the plan with you, and make adjustments to help meet your developing needs.
The financial decisions you are making today are the foundation of your future. Whether that future includes planning for college, philanthropy, retirement planning, capital preservation, or legacy planning, we will help you develop a road map to your destination.
Services Include
- Financial PlanningFootnote1
- Professional Portfolio ManagementFootnote2
- Wealth ManagementFootnote3
- Lending Products
- Life InsuranceFootnote4
- Long Term Care InsuranceFootnote5
- Planning for Education FundingFootnote6
- Retirement PlanningFootnote7
- Estate Planning StrategiesFootnote8
- 401(k) Rollovers
- Cash ManagementFootnote9
- Divorce Financial AnalysisFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Location
400 Winslow Way E
Ste 190
Bainbridge Island, WA 98110
US
Direct:
(206) 842-4712(206) 842-4712
Toll-Free:
(888) 252-7947(888) 252-7947
Fax:
(360) 613-1992(360) 613-1992
Send correspondence to:
2011 NW Myhre Rd., Ste. 301
Silverdale, WA 98383
US
Direct:
(360) 613-0212(360) 613-0212
Meet The Bainbridge Island Group
Brian Pinto, CFP®
First Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(206) 842-4713(206) 842-4713
Phone:
(206) 640-7868(206) 640-7868
Debbie Hooks
Portfolio Associate
Phone:
(206) 842-4712(206) 842-4712
About Carmen F Pinto
Carmen F Pinto, Financial Advisor, CFP® is a Senior Vice President with Morgan Stanley where he has provided Comprehensive Financial Planning and Investment Management Services to individuals and families since 2000. He is a Certified Financial Planner™ professional and focuses on Estate Planning and Asset Allocation Strategies that helps address the unique needs of each client.
Originally from Stamford, Connecticut; Carmen has lived in Kitsap County for almost 40 years. He has a strong sense of community and has been a member of numerous local boards. Carmen is particularly proud of his past association with Hospice of Kitsap County where he held various board positions including President. Prior to his career in the financial services industry he was a Corpsman in the United States Navy and held various administrative positions at Group Health Cooperative.
Carmen enjoys spending time with his family and especially his 4 grandchildren. His wife Eva, is a local veterinarian. Their daughter, Chelsea, is an educator in the North Kitsap school district and his their, Brian, is a financial advisor and Carmen's business partner.
For fun, Carmen enjoys participating in Community Theater. He has acted in numerous plays around the county. Additionally, he enjoys playing guitar, attending local open mic nights and making music with friends.
Originally from Stamford, Connecticut; Carmen has lived in Kitsap County for almost 40 years. He has a strong sense of community and has been a member of numerous local boards. Carmen is particularly proud of his past association with Hospice of Kitsap County where he held various board positions including President. Prior to his career in the financial services industry he was a Corpsman in the United States Navy and held various administrative positions at Group Health Cooperative.
Carmen enjoys spending time with his family and especially his 4 grandchildren. His wife Eva, is a local veterinarian. Their daughter, Chelsea, is an educator in the North Kitsap school district and his their, Brian, is a financial advisor and Carmen's business partner.
For fun, Carmen enjoys participating in Community Theater. He has acted in numerous plays around the county. Additionally, he enjoys playing guitar, attending local open mic nights and making music with friends.
Securities Agent: TX, GA, VA, AR, TN, FL, WA, MT, IL, OR, MD, CA, MA, KY, ID, CO, NY, DC, MI, HI, AZ, NV, NJ, NH, SC, CT, AK, UT, NM, MO; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1377907
NMLS#: 1377907
About Brian Pinto
Brian, a Washington native, has deep family roots in the state. He graduated from Bainbridge High School in 2005 and then moved across the country for college. In 2008, Brian received a Bachelor of Science in Business Administration with a Concentration in Finance from Boston University. In 2009, Brian decided to spend time exploring the United States by car; his journey found him travelling 20,000 miles over the next 6 months.
Shortly after the completion of his trip, Brian moved to New Hampshire to pursue a career in education. There he met his wife, Persia, whom he married in the summer of 2013. Brian taught Middle School Math for 4 years in the town of Pittsfield, New Hampshire. In 2014, he returned to Kitsap County, Washington, to work with his father in the Financial Planning business. In 2019, Brian earned the CERTIFIED FINANCIAL PLANNER™ designation. Brian brings his experience as an educator to the practice, and is enthusiastic about helping clients develop personalized financial plans.
Shortly after the completion of his trip, Brian moved to New Hampshire to pursue a career in education. There he met his wife, Persia, whom he married in the summer of 2013. Brian taught Middle School Math for 4 years in the town of Pittsfield, New Hampshire. In 2014, he returned to Kitsap County, Washington, to work with his father in the Financial Planning business. In 2019, Brian earned the CERTIFIED FINANCIAL PLANNER™ designation. Brian brings his experience as an educator to the practice, and is enthusiastic about helping clients develop personalized financial plans.
Securities Agent: TN, NV, WA, FL, NY, IL, MI, CA, NH, MD, KY, CT, AZ, AR, AK, OR, DC, VA, MT, ID, MA, HI, CO, GA, UT, NM, MO, TX, SC, NJ; General Securities Representative; Investment Advisor Representative
NMLS#: 1311115
NMLS#: 1311115
About Me
Peggy is a CERTIFIED FINANCIAL PLANNER™ professional focused on individuals and families who desire to be good stewards of their assets. She establishes the client advisor relationship by creating a unique wealth plan for her clients. This collaborative process builds a foundation of trust and confidence, and a clear path toward meeting her clients’ goals. The personalized plan becomes the basis for guiding asset allocations, estate planning strategy and other financial objectives.
Prior to joining Morgan Stanley, Peggy had been serving clients at RBC Wealth Management since 2012. She began her career in retail banking and as a result, developed a passion for promoting financial transparency and literacy. Peggy is a graduate of the University of Washington, Seattle with a Bachelor of Arts degree in English literature. She has passed her Series 7 and 65 securities exams and holds life and long-term care insurance licenses. In addition, she completed her extensive coursework for the CERTIFIED FINANCIAL PLANNER™ certification through the College of Financial Planning.
Peggy and her husband, Michael, have lived on Bainbridge Island for the past thirty years where they have raised four daughters. In addition to work and family, her passions include gardening, dance, poetry and hiking.
Prior to joining Morgan Stanley, Peggy had been serving clients at RBC Wealth Management since 2012. She began her career in retail banking and as a result, developed a passion for promoting financial transparency and literacy. Peggy is a graduate of the University of Washington, Seattle with a Bachelor of Arts degree in English literature. She has passed her Series 7 and 65 securities exams and holds life and long-term care insurance licenses. In addition, she completed her extensive coursework for the CERTIFIED FINANCIAL PLANNER™ certification through the College of Financial Planning.
Peggy and her husband, Michael, have lived on Bainbridge Island for the past thirty years where they have raised four daughters. In addition to work and family, her passions include gardening, dance, poetry and hiking.
Securities Agent: OR, TX, FL, AK, UT, NM, MO, AZ, CO, NV, ID, GA, CA, WA, TN, SC, NY, MA, MD, HI, KY, IL, DC, MI, NJ, VA, CT, MT, NH, AR; General Securities Representative; Investment Advisor Representative
About Debbie Hooks
Debbie Hooks is a Portfolio Associate. She began her career at Morgan Stanley in 2006 in Branch Operations. Debbie is responsible for managing the operational and administrative tasks of our team and assisting clients with their service needs.
Contact Carmen F Pinto
Contact Brian Pinto
Contact Peggy Ginder
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Rylan Nordquist
Associate Private Banker
About Rylan Nordquist
Rylan Nordquist is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Washington.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Rylan began his career in financial services in 2012, and joined Morgan Stanley in 2022 as an Associate Private Banker. Prior to joining the firm, he was a Private Client Banker at JP Morgan Chase.
Rylan is a graduate of Le Moyne College in Syracuse New York, where he received a double Major of Bachelor Science in Finance and Management Analysis. He lives in Seattle, Washington with his wife, Emily. Outside of the office, Rylan enjoys playing music, hiking, boating, and spending time with family and friends.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Rylan began his career in financial services in 2012, and joined Morgan Stanley in 2022 as an Associate Private Banker. Prior to joining the firm, he was a Private Client Banker at JP Morgan Chase.
Rylan is a graduate of Le Moyne College in Syracuse New York, where he received a double Major of Bachelor Science in Finance and Management Analysis. He lives in Seattle, Washington with his wife, Emily. Outside of the office, Rylan enjoys playing music, hiking, boating, and spending time with family and friends.
NMLS#: 1272286
Wealth Management
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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
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
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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
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Ready to start a conversation? Contact The Bainbridge Island 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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Morgan 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.
9Morgan 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
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, charitable giving, philanthropic planning and other legal matters.
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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Morgan 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.
9Morgan 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
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, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
