Jon C Bancks, CFP®, CPWA®
Senior Vice President, Wealth Management, Financial Advisor, Family Wealth Director, Alternative Investments Director, Portfolio Management Director
Phone:
(319) 743-6073(319) 743-6073
The Corridor Wealth Management Group at Morgan Stanley
Direct:
(319) 743-6060(319) 743-6060
Toll-Free:
(866) 342-6704(866) 342-6704
Our Mission Statement
Dedicated to making your life simpler by providing thoughtful, personalized financial strategies and superior client service
Our Story and Services
We are dedicated to helping our clients live their best lives and realize their life goals through planning, education, advice, and service. As registered financial professionals acting with fiduciary duty, we guide them through a comprehensive planning process and provide customized solutions and investments tailored to their goals for themselves, their families and their businesses.
Our clients are individual investors, families, executives and business owners. Individually, they possess the tremendous focus it takes to be successful, and they each have the need for smart, caring advisors who will empower them to make intelligent financial decisions.
We are thrilled to announce that our team has been named one of the
Forbes Best-In-State Wealth Management Teams! This prestigious award recognizes the top financial advisors in each state who have demonstrated exceptional performance and commitment to their clients' financial well-being. We take great pride in the level of service and expertise we provide to our clients, and this recognition is a testament to the hard work and dedication of our entire team. We believe that financial planning is about more than just investments, it's about understanding our clients' unique needs and goals, and creating a customized plan to help them achieve their goals.
2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2024). Data compiled by SHOOK Research LLC based on time period from 3/31/22 – 3/31/23.
Our clients are individual investors, families, executives and business owners. Individually, they possess the tremendous focus it takes to be successful, and they each have the need for smart, caring advisors who will empower them to make intelligent financial decisions.
We are thrilled to announce that our team has been named one of the
Forbes Best-In-State Wealth Management Teams! This prestigious award recognizes the top financial advisors in each state who have demonstrated exceptional performance and commitment to their clients' financial well-being. We take great pride in the level of service and expertise we provide to our clients, and this recognition is a testament to the hard work and dedication of our entire team. We believe that financial planning is about more than just investments, it's about understanding our clients' unique needs and goals, and creating a customized plan to help them achieve their goals.
2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2024). Data compiled by SHOOK Research LLC based on time period from 3/31/22 – 3/31/23.
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Alternative InvestmentsFootnote4
- Business PlanningFootnote5
- Executive Benefit ServicesFootnote6
- Corporate Retirement PlansFootnote7
- Philanthropic ManagementFootnote8
- Endowments and FoundationsFootnote9
- Planning for Education FundingFootnote10
- Professional Portfolio ManagementFootnote11
- Cash Management and Lending ProductsFootnote12
- Sustainable InvestingFootnote13
- Life InsuranceFootnote14
- Long Term Care InsuranceFootnote15
- AnnuitiesFootnote16
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
OUR PROCESS, YOUR JOURNEY
Our comprehensive process focuses on you, your family and your future – where you are today and where you want to go. Working together, we develop the strategies to help get you there, navigating life’s challenges and empowering you to make smart decisions about your wealth now and over time.
Discovery
We will discuss your current financial resources, time horizon for your goals, tolerance for risk—even how your liabilities are structured. If you own a business, we also might discuss your current banking and cash management needs.
Plan
We will present a plan to help address needs such as income and retirement planning, asset protection, investment management, strategic borrowing, wealth transfer and business succession. We will also recommend an asset allocation strategy reflecting your risk tolerance and investment time horizon.
Implement
We will work closely with you to bring the elements of your plan to life, helping you to select from the hundreds of investment management firms available to you, and identify specific stocks, bonds and other securities that may be suitable for your portfolio. Then we will closely monitor your portfolio.
Review
You will receive a comprehensive quarterly performance review, helping you track progress toward your objectives. And when your circumstances change, we will work with you to revise your strategy and reposition your assets to reflect your new needs and goals.
INDIVIDUAL PLANS FOR INDIVIDUALS LIKE YOU
Goals you set today will evolve over time. Our process is designed to evolve with them- and with the changing circumstances of your life. Holistic in its approach, our planning process will encompass all the elements of your financial and personal life, making sure they align with your current and future goals.
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies our clients are using.
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies our clients are using.
Goals-Based Wealth Management
Uncover your needs, manage risk, and build a customized plan to help you reach your financial goals. At Morgan Stanley, Goals-Based Wealth Management means that we aim to understand what is important to you and work together to map out a plan that can help you achieve your financial goals.
Learn More About GPS Here
Aladdin Portfolio Risk Platform
The Portfolio Risk Platform (PRP) is a state-of-the-art wealth management platform with daily refreshing analytics that enable us to identify and better understand risks in your portfolio. The Portfolio Risk Platform leverages a 3,000 factor risk model to build out an analytics suite focused on risk, historical and hypothetical scenario analysis, and proposal generation.
Learn More About PRP Here
Morgan Stanley Online (MSO)
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO Here
Spending & Budgeting Tools
Track your spending patterns, categorize expenses, create budgets, and manage your cash flow across all of your Morgan Stanley accounts, as well as those held at outside financial institutions.
Learn More About the Tools
Total Wealth View
Add your external 401K, checking/savings, brokerage accounts and more to Morgan Stanley Online to see your finances all in one place with Total Wealth View. By linking your external accounts, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
Total Tax 365
Total Tax 365 offers access to a full spectrum of solutions to help mitigate the tax drag on your portfolio, so you can keep more of what you earn and improve your after-tax return.
Learn More About Total Tax 365 Here
Estate Planning
Delivering an estate to the next generation or favorite charity requires more attention than families often realize. We coordinate with your estate and tax professionals to align your legacy goals with the appropriate asset titling and beneficiary designation requirements, incorporating best practices to help enhance results.
Read More
Insured Solutions
A sound wealth plan requires more than just seeking returns. It also involves mitigating and managing risks, helping to protect you when the unexpected occurs. At The Corridor Wealth Management, we offer a robust suite of insurance and annuities solutions backed by its licensed insurance agency affiliates that can aid in safeguarding you and your loved ones.
Read More on Insured SolutionsEXPERIENCE & ACCOLADES
Credentials and experience really do matter. They demonstrate our deep level of knowledge, advanced training and commitment to finding the very best solutions to match your needs.
Certified Financial Planner (CFP®)
Certified Financial Planner™ certification is the standard of excellence in financial planning. CFP® professionals meet rigorous education, training and ethical standards, and are committed to serving their clients' best interests today to prepare them for a more secure tomorrow.
Chartered Financial Analyst (CFA®)
The CFA charter is one of the most respected designations in finance and is widely considered to be the gold standard in the field of investment analysis. Recipients have successfully completed a graduate-level, self-study curriculum and passed examinations covering ethical and professional standards, securities analysis and valuation, economics, portfolio management, and wealth planning.
Certified Private Wealth Advisor (CPWA®)
Certified Private Wealth Advisor® (CPWA®) certification is an advanced professional certification for advisors who serve high-net-worth clients. It’s designed for seasoned professionals who seek the latest, most advanced knowledge and techniques to address the sophisticated needs of clients with a minimum net worth of $5 million.
Family Wealth Director (FWD)
Designated Family Wealth Directors must demonstrate professional knowledge and experience in a range of wealth management solutions including estate planning strategies, alternative investments, control and restricted securities, lending, hedging and monetization, and business succession planning. The FWD designation also entitles specialized access to a variety of family advisory services including, family governance and wealth education, philanthropy management and lifestyle advisory.
Forbes Best-In-State Wealth Management Teams
2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2024). Data compiled by SHOOK Research LLC based on time period from 3/31/22 – 3/31/23.
Source: Forbes (Awarded Jan 2024). Data compiled by SHOOK Research LLC based on time period from 3/31/22 – 3/31/23.
2022 & 2023 Pacesetter's Club
This accolade recognizes consistent excellence in providing a wide range of wealth management services to clients at Morgan Stanley. In addition to demonstrating leadership through best practices of wealth management, this recognition acknowledges the highest professional standards and first-class client service.
Adam Maske, CFA (2022 & 2023)
Adam Maske, CFA (2022 & 2023)
2024 Master's Club
This prestigious accolade recognizes consistent excellence in providing a wide range of wealth management services to clients at Morgan Stanley. In addition to demonstrating leadership through best practices of wealth management, this recognition acknowledges the highest professional standards and first-class client service.
Jon Bancks, CFP, CPW (2024)
Jon Bancks, CFP, CPW (2024)
MARKET INSIGHTS
At Morgan Stanley, we provide clients with resources meant to transform complex financial analysis and research into concise and easily digestible content. The links below offer insight into the modern market and economic landscape.
On the Markets Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read the Latest Report
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Check Out the Latest Episode
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read the Latest Report
2025 Tax Tables
This document outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
View 2025 Tax Tables
Morgan Stanley Ideas
Learn from our industry leaders about how to manage your wealth and help meet your personal financial goals.
Read Our Insights
Tax Management Services
Taxes can make a big difference over the long run in helping meet financial goals – so you need a tax-smart edge. Learn how Morgan Stanley Tax Management Services can help efficiently manage your capital gains with a complimentary and fully personalized experience.
Learn More
Your Guide to Life & Money Playbook
How much of your savings should you be investing? Do you need a prenup? How do you know when you’re ready to buy a home, or start a business? If you’re wrestling with some of these questions, the Playbook: Your Guide to Life & Money may have the answers you’re looking for.
Learn More
What Should I Do With My Money Podcast
If you've ever wondered what it's like to work with us, this show reveals how relatable, accessible and helpful a relationship with a Morgan Stanley Financial Advisor can be. Listen, subscribe and stay tuned for another season coming soon.
Learn More
Cybersecurity Brochure
Cybersecurity & fraud prevention - how Morgan Stanley helps protect you.
Learn MoreLocation
600 3rd Ave. SE
Suite 100
Cedar Rapids, IA 52401
US
Direct:
(319) 743-6060(319) 743-6060
Toll-Free:
(866) 342-6704(866) 342-6704
Details: Deliver All Correspondence, Checks & Securities
To: 4300 E. 53rd St, Suite 300
Davenport, IA 52807
To: 4300 E. 53rd St, Suite 300
Davenport, IA 52807
Meet The Corridor Wealth Management Group
Adam J Maske, CFA
Vice President, Financial Advisor
Phone:
(319) 743-6071(319) 743-6071
Jacqueline Meyer
Financial Advisor, Financial Planning Specialist
Phone:
(319) 743-6075(319) 743-6075
JoAnn Masters
Wealth Management Associate
Phone:
(319) 743-6072(319) 743-6072
About Jon C Bancks
Jon is a Family Wealth Director, which is an elite certification program at Morgan Stanley that provides financial advisors with an extensive understanding of investments, tax planning strategies, financial planning, wealth transfer, estate planning strategies, and insurance.
Additionally, he is a Certified Financial Planner™ certificant, a prestigious designation awarded by the Certified Financial Planner™ Board of Standards, Inc. He has also earned the designation of Certified Private Wealth Advisor® (CPWA®) through the University of Chicago Booth School of Business, sponsored by the Investment Management Consultants Association (IMCA). The financial planning landscape is ever changing which requires continual training to stay abreast of new issues and opportunities.
He is a graduate of Iowa State University with a Bachelor of Science degree in Mechanical Engineering, and is also trained in Lean Six Sigma process improvement.
Jon is an active member of the Cedar Rapids and greater Corridor community, serving on several non-profit boards, including the United Way of East Central Iowa as Trustee, Big Brothers and Big Sisters of Cedar Rapids and East Central Iowa as a Trustee, Cedar Rapids Community Orchestra as a Director, member and musician, and is a member of Rotary International.
His passions away from the office include cycling, making pies, and playing his cello.
Jon C. Bancks, CFP® , CPWA® holds the following registrations:
Securities Agent: GA, IL, MI, NC, NV, UT, RI, WY, WI, WA, TX, SD, SC, PR, OR, NY, NM, NE, ND, MS, MO, MN, ME, MD, MA, LA, KY, KS, IN, ID, IA, HI, FL, DE, DC, CT, CO, CA, AZ, AR, MT; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 509820
Additionally, he is a Certified Financial Planner™ certificant, a prestigious designation awarded by the Certified Financial Planner™ Board of Standards, Inc. He has also earned the designation of Certified Private Wealth Advisor® (CPWA®) through the University of Chicago Booth School of Business, sponsored by the Investment Management Consultants Association (IMCA). The financial planning landscape is ever changing which requires continual training to stay abreast of new issues and opportunities.
He is a graduate of Iowa State University with a Bachelor of Science degree in Mechanical Engineering, and is also trained in Lean Six Sigma process improvement.
Jon is an active member of the Cedar Rapids and greater Corridor community, serving on several non-profit boards, including the United Way of East Central Iowa as Trustee, Big Brothers and Big Sisters of Cedar Rapids and East Central Iowa as a Trustee, Cedar Rapids Community Orchestra as a Director, member and musician, and is a member of Rotary International.
His passions away from the office include cycling, making pies, and playing his cello.
Jon C. Bancks, CFP® , CPWA® holds the following registrations:
Securities Agent: GA, IL, MI, NC, NV, UT, RI, WY, WI, WA, TX, SD, SC, PR, OR, NY, NM, NE, ND, MS, MO, MN, ME, MD, MA, LA, KY, KS, IN, ID, IA, HI, FL, DE, DC, CT, CO, CA, AZ, AR, MT; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 509820
Securities Agent: NH, NY, PA, VA, SD, WI, LA, MI, IL, CT, WY, WV, WA, VT, VI, UT, TX, TN, SC, RI, PR, OR, OK, OH, NV, NM, NJ, NE, ND, NC, MT, MS, MO, MN, ME, MD, MA, KY, KS, IN, ID, IA, HI, GA, FL, DE, DC, CO, CA, AZ, AR, AL, AK; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 509820
CA Insurance License #: 0F94993
AR Insurance License #: 8958064
NMLS#: 509820
CA Insurance License #: 0F94993
AR Insurance License #: 8958064
About Adam J Maske
Adam helps clients discover opportunities, achieve goals, and solve problems associated with the creation and preservation of wealth by leveraging his extensive experience in wealth management, investment research, and data analytics.
After graduating from the University of Iowa with a BBA in Finance, Adam worked in various areas of wealth management focused on trading, mergers and acquisitions, and data analytics for some of Chicago’s largest financial institutions before turning his skills toward helping people with their investments.
Adam is a Charted Financial Analyst (CFA®) Charterholder. The CFA charter is one of the most respected designations in finance and is widely considered to be the gold standard in the field of investment analysis. He leverages this knowledge of investment tools, portfolio management, and wealth planning to help his clients make intelligent investment decisions.
In 2022, Adam was named to the Firm’s Pacesetter’s Club, a global recognition program for Financial Advisors who, early in their career, have demonstrated the highest professional standards and first-class client service.
Adam resides in Cedar Rapids, IA, with his wife Elizabeth, and their daughter Olivia. He is involved in the local community through the United Way and is an associate board member of Tanager Place.
After graduating from the University of Iowa with a BBA in Finance, Adam worked in various areas of wealth management focused on trading, mergers and acquisitions, and data analytics for some of Chicago’s largest financial institutions before turning his skills toward helping people with their investments.
Adam is a Charted Financial Analyst (CFA®) Charterholder. The CFA charter is one of the most respected designations in finance and is widely considered to be the gold standard in the field of investment analysis. He leverages this knowledge of investment tools, portfolio management, and wealth planning to help his clients make intelligent investment decisions.
In 2022, Adam was named to the Firm’s Pacesetter’s Club, a global recognition program for Financial Advisors who, early in their career, have demonstrated the highest professional standards and first-class client service.
Adam resides in Cedar Rapids, IA, with his wife Elizabeth, and their daughter Olivia. He is involved in the local community through the United Way and is an associate board member of Tanager Place.
Securities Agent: WY, WV, WI, WA, VT, UT, TX, SC, OR, OK, OH, NY, NM, NH, NC, MO, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AR, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 2076408
NMLS#: 2076408
About Jacqueline Meyer
As a Financial Advisor, Jackie is an integral member of The Corridor Wealth Management Group’s client service delivery. Prior to joining Morgan Stanley, she managed a local women’s clothing boutique, overseeing the retail space, customer relations, and warehouse operations.
Jackie graduated from Iowa State University where she obtained her Bachelor of Science in Marketing. Jackie is a Solon, IA native and now resides in North Liberty with her rescue dog, Charlie. In her spare time, she enjoys spending time with her family, volunteering at a local animal shelter, and discovering all the hidden gems in Iowa.
Jackie graduated from Iowa State University where she obtained her Bachelor of Science in Marketing. Jackie is a Solon, IA native and now resides in North Liberty with her rescue dog, Charlie. In her spare time, she enjoys spending time with her family, volunteering at a local animal shelter, and discovering all the hidden gems in Iowa.
Securities Agent: MT, MO, TN, NM, CO, SC, OH, MS, LA, WY, VI, PA, MN, ME, ID, IA, FL, NH, KS, AZ, OK, MI, IL, CA, WI, WA, TX, OR, NY, NJ, ND, KY, GA, DC, AR, AK, RI, PR, NE, DE, CT, WV, VT, VA, SD, NV, MA, IN, UT, MD, HI, AL, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 2683055
NMLS#: 2683055
About JoAnn Masters
JoAnn is a Wealth Associate with more than 30 years of marketing, management and small business ownership experience that she leverages for The Corridor Wealth Management Group and its clients. With a strong technology background and an emphasis in organizational skills, JoAnn supports the team with client focused customer service, including client outreach, identifying firm services and solutions that support client needs, transactional business, and facilities management.
JoAnn graduated from Kansas State University with a Bachelor of Science degree in Business Marketing and a minor in Computer Science. JoAnn is Series 7 and Series 66 licensed. She has three grown daughters and lives with her husband in Cedar Rapids, IA. She also likes to spend time at their condo in Carlsbad, CA when possible.
JoAnn graduated from Kansas State University with a Bachelor of Science degree in Business Marketing and a minor in Computer Science. JoAnn is Series 7 and Series 66 licensed. She has three grown daughters and lives with her husband in Cedar Rapids, IA. She also likes to spend time at their condo in Carlsbad, CA when possible.
Contact Jon C Bancks
Contact Adam J Maske
Contact Jacqueline Meyer
Wealth Management
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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
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
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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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Alternative 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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 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.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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. 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.
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.
10When 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.
11Morgan 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.
12Morgan 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
13The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
16Annuities 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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
4Alternative 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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 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.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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. 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.
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.
10When 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.
11Morgan 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.
12Morgan 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
13The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
16Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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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)
