Phone:
(831) 440-5214(831) 440-5214
The Bargetto Ingesson Evans Group at Morgan Stanley
Direct:
(831) 440-5257(831) 440-5257
Our Mission Statement
Delivering high quality service with a wide array of investment
solutions
solutions
Our Story and Services
The Bargetto Group has worked with individuals, families, businesses, non-profits, and foundations for over 40 years. With an excess of 800 million dollars of assets under management, we have the expertise to tailor a solution to meet your specific needs. After getting to know you, our team will create a personalized financial plan and corresponding investment strategy. Once a plan is implemented, we will closely monitor your progress, and keep you informed every step of the way.
As Morgan Stanley Financial Advisors, we have access to a superior platform, up-to-date research, and a wide range of investment options. We will always put our clients’ needs first and deliver exceptional ideas and advice. We are committed to winning your business and putting our vast resources to work for you.
As Morgan Stanley Financial Advisors, we have access to a superior platform, up-to-date research, and a wide range of investment options. We will always put our clients’ needs first and deliver exceptional ideas and advice. We are committed to winning your business and putting our vast resources to work for you.
Services Include
- Retirement PlanningFootnote1
- 401(k) Rollovers
- Corporate Pension Plans
- Business PlanningFootnote2
- Wealth ManagementFootnote3
- Sustainable InvestingFootnote4
- Professional Portfolio ManagementFootnote5
- Endowments and FoundationsFootnote6
- Financial PlanningFootnote7
- Planning for Education FundingFootnote8
- Cash Management and Lending ProductsFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Manage Your Financial Life & Beyond
Reaching your goals often involves going beyond investment advice—we provide a wide array of offerings and services centered on you and customized to help meet your needs, and provide access to specialists to help pursue specific goals
DISCOVER
Start with a conversation to gain a thorough understanding of your needs, lifestyle and family – and your goals for the future.
ADVISE
We work with you to develop portfolio strategies to help you achieve and protect the outcomes you envision.
IMPLEMENT
Look across multiple accounts and products to help you implement solutions that are an appropriate fit for your strategy.
TRACK PROGRESS
We help you track your progress as well as spending and savings to help ensure you remain on track toward your goals.
Morgan Stanley's comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio's exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
529 Education Savings Plans
529 plans offer a flexible, tax-advantaged way to invest for education expenses while helping to improve estate planning. Gain fiduciary oversight of your education funding strategy within the context of your broader portfolio through the exclusive Morgan Stanley National Advisory 529 Plan.
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Donor Advised Funds (DAF)
A solution that may help you execute planned giving, offer an efficient way to donate complex and illiquid assets, and simplify charitable giving reporting while potentially mitigating taxes. Bring philanthropy into your wealth plan and help amplify the impact of your giving through the Morgan Stanley Global Impact Funding Trust (MS GIFT).
Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that's adaptable to the different stages of your life using our award winning tools- Goals Planning System (GPS) and LifeView.
Security Center
Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance you own online security.
INSIGHTS & INFORMATION
Here at Morgan Stanley, we strive to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future. I am a firm believer of giving my clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
Top 5 Mistakes Investors Make in Volatile Markets
Whether it is panic selling, hiding out in cash, or trading frantically during volatile markets, investors tend to make several mistakes that can hurt them long-term. Know how to spot—and avoid—the most common bad behaviors.
2024 Global Economic Midyear Outlook
Global growth should stay steady at just over 3% in 2024 and 2025, though volatility will remain as a pickup in growth around the world contrasts with a slowdown in the U.S.
How to Take the Emotion Out of Investing
While investors have more data at their disposal than ever before, making the right investment decision takes more than just crunching numbers. Investors must also understand the psychology of the market—as well as their own impulses—to help sharpen their rational decision-making process. This is especially during periods of market volatility, when emotions often get in the way.
Location
6004 La Madrona Dr
Santa Cruz, CA 95066
US
Direct:
(831) 440-5257(831) 440-5257
Meet The Bargetto Ingesson Evans Group
Senior Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(831) 440-5227(831) 440-5227
Senior Vice President, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Family Wealth Director, Portfolio Management Director
Phone:
(831) 440-5264(831) 440-5264
Maggie Martin
Portfolio Associate
Phone:
(831) 440-5257(831) 440-5257
Nayana Darrah
Assistant Vice President, Wealth Management Associate
Phone:
(831) 440-5272(831) 440-5272
About James Bargetto
Jim’s family has been in Santa Cruz County, specifically Soquel, since 1920. Shortly after he graduated from the California State University at Chico with a degree in Business Administration, Jim pursued a career in the financial services industry.
Jim joined Morgan Stanley in 1984 as a Financial Advisor, where he continues to work primarily with high net worth families, foundations, endowments and corporate retirement plans. His areas of investment experience are well mixed between equity, fixed income, and cash and wealth management. He taught investment classes at the college level for over 20 years and has served as an elected board member of his local water agency for 19 years. Jim has been active in key organizations within the community such as the Dominican Hospital Foundation and the Santa Cruz Rotary Club.
Jim has been married to Suzie since 1983. He is a proud father of three beautiful daughters, Allison, Sarah, and Emma, and grandfather to William and George.
Jim joined Morgan Stanley in 1984 as a Financial Advisor, where he continues to work primarily with high net worth families, foundations, endowments and corporate retirement plans. His areas of investment experience are well mixed between equity, fixed income, and cash and wealth management. He taught investment classes at the college level for over 20 years and has served as an elected board member of his local water agency for 19 years. Jim has been active in key organizations within the community such as the Dominican Hospital Foundation and the Santa Cruz Rotary Club.
Jim has been married to Suzie since 1983. He is a proud father of three beautiful daughters, Allison, Sarah, and Emma, and grandfather to William and George.
Securities Agent: NM, NJ, WY, OK, MI, FL, DE, WA, VA, UT, LA, AZ, SD, PA, OR, MA, ID, IA, HI, CO, WV, NE, MN, IN, CA, NV, ND, AR, WI, TN, RI, MT, KS, NH, NC, MO, MD, IL, DC, TX, OH, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 1380677
CA Insurance License #: 0A76328
NMLS#: 1380677
CA Insurance License #: 0A76328
About Roger Evans
Roger is a Financial Advisor with Morgan Stanley based in Morgan Stanley’s South Bay office complex in Santa Cruz, California, along with two business partners. Roger and his team develop customized wealth management solutions for high-net worth individuals and their families.
Roger grew up in the Santa Cruz area and has remained here since. He graduated from University of California, Santa Barbara with a BA in Economics and Accounting, which lit a passion for all things capital markets and finances. Over the last 10 years at Morgan Stanley, he has earned the Senior Vice President title, building his expertise in developing nuanced planning solutions for high-net worth families, especially families with large private or illiquid equity holdings.
Roger lives in Scotts Valley with his wife and son. He enjoys spending time as much of his free time as possible enjoying the beautiful area, whether mountain biking with friends or hiking with family.
Roger grew up in the Santa Cruz area and has remained here since. He graduated from University of California, Santa Barbara with a BA in Economics and Accounting, which lit a passion for all things capital markets and finances. Over the last 10 years at Morgan Stanley, he has earned the Senior Vice President title, building his expertise in developing nuanced planning solutions for high-net worth families, especially families with large private or illiquid equity holdings.
Roger lives in Scotts Valley with his wife and son. He enjoys spending time as much of his free time as possible enjoying the beautiful area, whether mountain biking with friends or hiking with family.
Securities Agent: MA, DC, OR, WA, TN, NJ, AR, UT, IL, CO, OH, ND, MT, MO, HI, DE, CT, TX, NC, KS, WY, RI, PA, NE, MI, IN, IA, CA, VA, SD, NM, FL, AZ, WV, WI, NH, LA, ID, GA, NY, NV, MN, OK, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 1282646
CA Insurance License #: 0I23690
NMLS#: 1282646
CA Insurance License #: 0I23690
About Christine E. Ingesson
Christine is a Financial Advisor, with Morgan Stanley’s Wealth Management division. She is based in Morgan Stanley’s South Bay office complex in Santa Cruz, California, along with two business partners. Christine and her team develop customized wealth management solutions for high-net worth individuals and their families.
Originally from the Santa Cruz area, Christine graduated from the University of California, Santa Cruz with a BA in Global Economics and an emphasis in Latin American Economics. During her time at UCSC, she spent a semester at the Universidad de Costa Rica, studying economics as applied to Latin America in Spanish. Upon graduation in 2003, she began working with Morgan Stanley Wealth Management. She has since become a Senior Vice President and also holds the Certified Financial Planner™ designation, awarded by the Certified Financial Planner™ Board of Standards, Inc. in 2011. As Senior Vice President, her primary responsibilities include investment research, risk and liability management and general financial planning.
Christine enjoys playing an active role in her community. She is a member of the Scotts Valley Middle School and Vine Hill Elementary PTAs. Christine enjoys spending time outdoors, whether it is hiking, camping, skiing in Lake Tahoe, or kayaking on the Russian River. She and her husband live with their two young boys in the Santa Cruz Mountains.
Named to Forbes Top Women Wealth Advisors Best-In-State 2023
Source: Forbes.com (Awarded February 2023)
Data compiled by SHOOK Research LLC based on time period from 9/30/21 - 9/30/22.
Awards Disclosures
Named to Forbes’ Top Women Wealth Advisor ranking for 2021
Source: Forbes.com (Awarded Mar 2021) Data compiled by SHOOK Research LLC based on time period from 9/30/19 - 9/30/20.
Awards Disclosures
Named to Working Mother & SHOOK Research's Top Wealth Advisor Moms ranking for 2020 and 2021
Source: Workingmother.com (Awarded October 2020 and 2021)
Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
Awards Disclosures
Originally from the Santa Cruz area, Christine graduated from the University of California, Santa Cruz with a BA in Global Economics and an emphasis in Latin American Economics. During her time at UCSC, she spent a semester at the Universidad de Costa Rica, studying economics as applied to Latin America in Spanish. Upon graduation in 2003, she began working with Morgan Stanley Wealth Management. She has since become a Senior Vice President and also holds the Certified Financial Planner™ designation, awarded by the Certified Financial Planner™ Board of Standards, Inc. in 2011. As Senior Vice President, her primary responsibilities include investment research, risk and liability management and general financial planning.
Christine enjoys playing an active role in her community. She is a member of the Scotts Valley Middle School and Vine Hill Elementary PTAs. Christine enjoys spending time outdoors, whether it is hiking, camping, skiing in Lake Tahoe, or kayaking on the Russian River. She and her husband live with their two young boys in the Santa Cruz Mountains.
Named to Forbes Top Women Wealth Advisors Best-In-State 2023
Source: Forbes.com (Awarded February 2023)
Data compiled by SHOOK Research LLC based on time period from 9/30/21 - 9/30/22.
Awards Disclosures
Named to Forbes’ Top Women Wealth Advisor ranking for 2021
Source: Forbes.com (Awarded Mar 2021) Data compiled by SHOOK Research LLC based on time period from 9/30/19 - 9/30/20.
Awards Disclosures
Named to Working Mother & SHOOK Research's Top Wealth Advisor Moms ranking for 2020 and 2021
Source: Workingmother.com (Awarded October 2020 and 2021)
Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was given.
Awards Disclosures
Securities Agent: TN, SD, PA, ND, MO, WV, NC, IA, GA, CO, CA, WY, WI, TX, NY, FL, UT, KS, NV, MI, MA, IN, ID, HI, DE, RI, MN, IL, NM, NE, KY, MT, AR, VA, SC, OR, OH, NH, MD, DC, AZ, AK, OK, NJ, LA, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 1282578
CA Insurance License #: 0F60364
NMLS#: 1282578
CA Insurance License #: 0F60364
About Maggie Martin
Maggie joined Morgan Stanley in 1999 in San Francisco, CA. Over the years she has worked in a variety of different service positions at Morgan Stanley. In 2011, Maggie was awarded the Service Excellence Award which placed her among the top Registered Associates within Morgan Stanley. Maggie has worked closely with James Bargetto, in the Santa Cruz office, since 2009. Maggie received her Bachelors of Science degree in Anthropology and a Certificate of Applied Sociology from Southern Oregon University in Ashland, Oregon. Maggie lives in Capitola with her daughter, Nola. She enjoys spending her free time at her daughter’s athletic events and riding her eBike.
CA Insurance License #: 0M40539
Contact James Bargetto
Contact Roger Evans
Contact Christine E. Ingesson
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
Lina Li
Private Banker
About Lina Li
Lina Li is a Private Banker serving Morgan Stanley Wealth Management offices in California.
Private Bankers partner with 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.
Lina began her career in financial services in 2005, and joined Morgan Stanley in 2016 as an Associate Private Banker. Prior to joining the firm, she was a Banking Advisor at Merrill Lynch. She also served as a Preferred Banking Office Manager at First Republic Bank and a Banking Center Manager at Bank of America.
Lina is a graduate of San Jose State University, where she received a Bachelor of Science in Business Administration with a Concentration in Accounting. She lives in San Jose, California with her family. Outside of the office, she enjoys reading, travelling, and spending time with family and friends. Lina dedicates her time to SCRITCH Kittens as Secretary, Adoption Counselor and foster.
Private Bankers partner with 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.
Lina began her career in financial services in 2005, and joined Morgan Stanley in 2016 as an Associate Private Banker. Prior to joining the firm, she was a Banking Advisor at Merrill Lynch. She also served as a Preferred Banking Office Manager at First Republic Bank and a Banking Center Manager at Bank of America.
Lina is a graduate of San Jose State University, where she received a Bachelor of Science in Business Administration with a Concentration in Accounting. She lives in San Jose, California with her family. Outside of the office, she enjoys reading, travelling, and spending time with family and friends. Lina dedicates her time to SCRITCH Kittens as Secretary, Adoption Counselor and foster.
NMLS#: 1376901
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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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Bargetto Ingesson Evans 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.
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4The 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.
5Morgan 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.
6Morgan 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.
7Morgan 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.
8When 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.
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
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
1When 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4The 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.
5Morgan 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.
6Morgan 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.
7Morgan 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.
8When 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.
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
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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Awards Disclosures
CRC 6491812 (04/2024)
