John Baldassari, CFP®
Executive Director, Wealth Management, Financial Advisor, Alternative Investments Director
Phone:
(719) 475-3649(719) 475-3649
The Baldassari Group at Morgan Stanley
Direct:
(719) 475-3649(719) 475-3649
Our Mission Statement
We provide a holistic approach to financial wellness through tailored solutions and advice to help you achieve your financial goals.
Our Story and Services
The Baldassari Group understands that wealth planning is highly personal. We find that each of our client's financial goals are unique. Our approach provides comprehensive wealth management solutions tailored to achieve the priorities and goals that are important to you.
We commit to building indelible relationships with clients that have continued over three generations. Since 1987 our practice has helped single-generational wealth become multi-generational wealth. As our client’s needs evolve, our team is here to help them navigate the complexities of building, preserving, and transitioning wealth.
Combined, our team has over 65 years of experience. We implement integrated wealth management solutions that encompass investment and risk management, wealth transitions, as well as corporate cash and 401k solutions. We have the pleasure to work alongside families and their companies including privately owned physician groups, machine manufacturers, communication service companies, and food processing firms.
The Baldassari Group’s suite of services allows us to focus on your needs and goals, so you can focus on the interests and passions truly important to you.
We commit to building indelible relationships with clients that have continued over three generations. Since 1987 our practice has helped single-generational wealth become multi-generational wealth. As our client’s needs evolve, our team is here to help them navigate the complexities of building, preserving, and transitioning wealth.
Combined, our team has over 65 years of experience. We implement integrated wealth management solutions that encompass investment and risk management, wealth transitions, as well as corporate cash and 401k solutions. We have the pleasure to work alongside families and their companies including privately owned physician groups, machine manufacturers, communication service companies, and food processing firms.
The Baldassari Group’s suite of services allows us to focus on your needs and goals, so you can focus on the interests and passions truly important to you.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Professional Portfolio ManagementFootnote3
- Cash Management and Lending ProductsFootnote4
- Retirement PlanningFootnote5
- Qualified Retirement PlansFootnote6
- Planning for Education FundingFootnote7
- Estate Planning StrategiesFootnote8
- Endowments and FoundationsFootnote9
- Alternative InvestmentsFootnote10
- Long Term Care InsuranceFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Wealth Management
Our wealth management process is a fluid four step model that provides a tailored investment strategy unique for each client. The process is continual and your plan is designed to adjust to life's ever-changing journey. In the event goals and needs change, your investments should adjust accordingly.
Discover
We start with a conversation to gain a thorough understanding of your needs, lifestyle, and goals for the future.
Wealth Management CapabilitiesAdvise
With your individual needs and goals in mind, we work with you to develop a portfolio strategy to help you achieve and protect the outcomes you envision.
Implement
We view all your investments in a holistic manner and implement the investment strategy throughout all your accounts.
Track Progress
We track progress to ensure your investments are on track to meet your goals.
Lending
When planning for the future, discussions of debt are often neglected. The Baldassari Group believes that debt should be a part of financial planning conversations. We provide access to our private bankers that can provide tailored lending solutions for security backed lending, residential mortgages, and debt consolidation. Financial planning should not only address your investment needs. It should include conversations about debt, so a proper plan can be put in place to best address your short- and long-term lending needs.
Private Bankers are employees of Morgan Stanley Private Bank, National Association, Member FDIC.
Private Bankers are employees of Morgan Stanley Private Bank, National Association, Member FDIC.
Corporate Retirement Plans
Today’s marketplace presents many retirement plan options. The technical names, acronyms, and evolving regulatory landscape present obstacles when trying to identify the correct plan to meet your needs. For over 35 years, The Baldassari Group has worked with corporations to design, build, and implement corporate retirement solutions. As financial advisors, we work with plan sponsors to reduce the administrative workload by identifying the qualified plan most appropriate for the business, design the plan document, select the investments, help with plan administration and regulatory requirements, and encourage participant engagement. We recognize that no two companies are alike and take a customized approach to address the needs and concerns of the employer as well as the employees.
- Profit Sharing Plan
- Cash Balance Plan
- 401K Plan
- Safe Harbor 401K
- SEP
- SIMPLE 401K
- Defined Benefit Plan
* Tax laws are complex and subject to change. Morgan Stanley Smith Barney LLC (“Morgan Stanley”) , its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice and are not “fiduciaries” (under the Investment Advisers Act of 1940, ERISA, the Internal Revenue Code or otherwise) with respect to the services or activities described herein except as otherwise provided in writing by Morgan Stanley and/or as described at www.morganstanley.com/disclosures/dol. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a retirement plan or account, and (b) regarding any potential tax, ERISA and related consequences of any investments made under such plan or account.
Alternative Investments
Alternative investments often are speculative and include a high degree of risk. Investors could lose all or a substantial amount of their investment. Alternative investments are appropriate only for eligible, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time. They may be highly illiquid and can engage in leverage and other speculative practices that may increase the volatility and risk of loss. Alternative Investments typically have higher fees than traditional investments. Investors should carefully review and consider potential risks before investing.
Location
121 South Tejon St
Suite 700
Colorado Springs, CO 80903
US
Direct:
(719) 475-3649(719) 475-3649
1550 Market Street
Suite 600
Denver, CO 80202
US
Direct:
(303) 572-4016(303) 572-4016
Meet The Baldassari Group
Anthony Baldassari, CFP®, QPFC
Associate Vice President, Wealth Management, Financial Advisor, Alternative Investments Director
Phone:
(303) 572-4016(303) 572-4016
Stacy Thompson
Assistant Vice President, Wealth Management Associate*
Phone:
(719) 475-3647(719) 475-3647
About John Baldassari
John has represented the financial interests of families since the 1980s. He obtained his securities license in 1983. In 1987, he began his wealth management career at Shearson and later established a career at Morgan Stanley. John’s experience and further education awarded him the Executive Director title. In 1992 he ascertained his Certified Financial Planner designation. For over three decades, John has advanced the financial welfare of families through a multi-generational planning process deriving from the goals and needs of the client.
Listening to our clients’ needs is a priority of the Baldassari Group. In the beginning of John’s career, he identified that professionals of differing ages and career tenure possessed specific financial concerns regarding student debt, retirement planning, and business transitions. The most appropriate advice for a client starts with listening, understanding, and attending to their specific situation. John achieves this through individualized portfolio construction, financial planning, and lending solutions.
John supports and worked with youth hockey organizations as a coach, board member, and mentor to youth hockey players. He currently lives with his wife Jaqueline in Denver. They both enjoy spending time with their family as well as golfing, hiking, biking, and traveling.
Listening to our clients’ needs is a priority of the Baldassari Group. In the beginning of John’s career, he identified that professionals of differing ages and career tenure possessed specific financial concerns regarding student debt, retirement planning, and business transitions. The most appropriate advice for a client starts with listening, understanding, and attending to their specific situation. John achieves this through individualized portfolio construction, financial planning, and lending solutions.
John supports and worked with youth hockey organizations as a coach, board member, and mentor to youth hockey players. He currently lives with his wife Jaqueline in Denver. They both enjoy spending time with their family as well as golfing, hiking, biking, and traveling.
Securities Agent: OK, NE, IL, SD, LA, IA, CA, AZ, MO, MN, SC, OH, WI, VA, TX, PA, NJ, NC, FL, WA, MI, NY, MD, KS, IN, CO; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1911115
CA Insurance License #: 0C68631
NMLS#: 1911115
CA Insurance License #: 0C68631
About Anthony Baldassari
Anthony joined Morgan Stanley in 2018. He works with private business owners and corporate executives to provide comprehensive wealth management advice. He leads the group’s business developments efforts and works with clients to develop individualized goals-based wealth management solutions. Prior to joining Morgan Stanley, Anthony graduated from Georgetown's McDonough School of Business.
In 2020, Anthony joined The Baldassari Group at Morgan Stanley. He believes appropriate advice starts with listening, understanding, and attending to the client’s specific situation. Understanding the client’s goals and concerns is the primary factor when creating risk models for customized portfolios. His utilization of structured notes and alternative investments helps clients achieve a risk-adjusted solution appropriate to the client's goals.
Anthony is an avid supporter of Mount Saint Vincent Residential Trauma Treatment Center for children, the Mark Adamson Scholarship Foundation at Georgetown, and the Armenian Youth Center of Washington D.C. He currently resides in Denver with his wife Julia. They both enjoy golfing, hiking, biking, cooking, scuba diving, and traveling.
* Alternative 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.
An investment in Structured Investments is subject to significant risks and may not be appropriate for all investors. These risks can include, but are not limited, to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality; substantial loss of principal; limits on participation in appreciation of underlying asset(s); limited liquidity; credit risk of the issuer; and, conflicts of interest.
In 2020, Anthony joined The Baldassari Group at Morgan Stanley. He believes appropriate advice starts with listening, understanding, and attending to the client’s specific situation. Understanding the client’s goals and concerns is the primary factor when creating risk models for customized portfolios. His utilization of structured notes and alternative investments helps clients achieve a risk-adjusted solution appropriate to the client's goals.
Anthony is an avid supporter of Mount Saint Vincent Residential Trauma Treatment Center for children, the Mark Adamson Scholarship Foundation at Georgetown, and the Armenian Youth Center of Washington D.C. He currently resides in Denver with his wife Julia. They both enjoy golfing, hiking, biking, cooking, scuba diving, and traveling.
* Alternative 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.
An investment in Structured Investments is subject to significant risks and may not be appropriate for all investors. These risks can include, but are not limited, to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality; substantial loss of principal; limits on participation in appreciation of underlying asset(s); limited liquidity; credit risk of the issuer; and, conflicts of interest.
Securities Agent: NY, MD, MN, CO, PA, IN, FL, WI, SD, NE, CA, MI, NJ, KS, IL, TX, MO, VA, LA, WA, SC, IA, AZ, OK, OH; General Securities Representative; Investment Advisor Representative
NMLS#: 1792004
CA Insurance License #: 4062787
NMLS#: 1792004
CA Insurance License #: 4062787
About Stacy Thompson
Stacy has worked with The Baldassari Group for over 20 years and truly values the relationships she has built with our clients. Using her industry, administrative and operational knowledge and experience, Stacy strives to deepen relationships by establishing an exceptional service foundation to complement the comprehensive wealth management experience for each of our clients.
As a Wealth Management Associate, Stacy is responsible for Client Relationship Management and Strategy, which includes identifying and tailoring service solutions for our clients; developing and preparing customized client and business reports; monitoring and analyzing business and industry metrics; facilitating the 401K, annuity, lending, advisory and alternative investment arms of our practice; marketing and client engagement.
Stacy graduated from Indiana University with a Bachelor of Science degree in Management and Marketing, with a minor in Psychology. She is Series 7 & 66 registered with FINRA and also holds her life, variable and health insurance licenses. Stacy resides in Fort Wayne, Indiana with her husband, Kevin, and their daughter, and enjoys reading, kayaking, yoga and traveling.
*Disclaimer: This role cannot solicit or provide investment advice.
As a Wealth Management Associate, Stacy is responsible for Client Relationship Management and Strategy, which includes identifying and tailoring service solutions for our clients; developing and preparing customized client and business reports; monitoring and analyzing business and industry metrics; facilitating the 401K, annuity, lending, advisory and alternative investment arms of our practice; marketing and client engagement.
Stacy graduated from Indiana University with a Bachelor of Science degree in Management and Marketing, with a minor in Psychology. She is Series 7 & 66 registered with FINRA and also holds her life, variable and health insurance licenses. Stacy resides in Fort Wayne, Indiana with her husband, Kevin, and their daughter, and enjoys reading, kayaking, yoga and traveling.
*Disclaimer: This role cannot solicit or provide investment advice.
CA Insurance License #: 0H63092
Contact John Baldassari
Contact Anthony Baldassari
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Ready to start a conversation? Contact The Baldassari 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 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 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.
3Morgan 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.
4Morgan 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
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.
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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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 (“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.
10Alternative 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.
11Insurance 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
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 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.
3Morgan 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.
4Morgan 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
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.
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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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 (“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.
10Alternative 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.
11Insurance 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
CRC 6491812 (04/2024)
