Robert Dion
Senior Vice President, Financial Advisor, Corporate Retirement Director, Financial Wellness Director
Phone:
(941) 364-7466(941) 364-7466
The Beacon Harbor Group at Morgan Stanley
Direct:
(312) 648-1459(312) 648-1459
Toll-Free:
(800) 621-5231(800) 621-5231
Our Mission Statement
Our goal is to be your most trusted advisors through our professional knowledge, integrity, and personalized service in both; corporate retirement plans and individual wealth management.
Our Group
The Beacon Harbor Group at Morgan Stanley focuses on individual wealth management as well as corporate retirement plans. Collectively the team serves clients with more than 40 years of investment experience.* The team is led by Corporate Retirement Director, Bob Dion. Corporate Retirement Director is a select Morgan Stanley designation earned by advisors based on experience, education and performance.
When you offer your employees a retirement plan, you are giving them a unique tax-advantaged opportunity to plan for a secure retirement. Your role is not only to manage this benefit, but also fulfill your obligations as plan sponsor. However, the responsibility of overseeing a plan can seem overwhelming. That’s where the Beacon Harbor Group steps in.
We meet with corporate officers to understand their company’s retirement plan, goals and objectives. We then apply our experience and resources to meet or exceed those goals. We help our clients evaluate near-term concerns and long term goals, and develop a retirement plan strategy specific to their needs. We can do the same for you.
The group also offers comprehensive wealth management services. This includes financial planning, customized portfolio management, and lending opportunities.
Whether you are planning for your business or yourself, the Beacon Harbor Group has the ability and experience to meet your financial needs.
*Bob Dion has worked in financial services since 1992. David Parker has worked in financial services since 2001. Isabella Casadei has four years of experience in financial services.
When you offer your employees a retirement plan, you are giving them a unique tax-advantaged opportunity to plan for a secure retirement. Your role is not only to manage this benefit, but also fulfill your obligations as plan sponsor. However, the responsibility of overseeing a plan can seem overwhelming. That’s where the Beacon Harbor Group steps in.
We meet with corporate officers to understand their company’s retirement plan, goals and objectives. We then apply our experience and resources to meet or exceed those goals. We help our clients evaluate near-term concerns and long term goals, and develop a retirement plan strategy specific to their needs. We can do the same for you.
The group also offers comprehensive wealth management services. This includes financial planning, customized portfolio management, and lending opportunities.
Whether you are planning for your business or yourself, the Beacon Harbor Group has the ability and experience to meet your financial needs.
*Bob Dion has worked in financial services since 1992. David Parker has worked in financial services since 2001. Isabella Casadei has four years of experience in financial services.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Beacon Harbor Group - Working With You
A brief overview of the clients we aim to work with. Here at The Beacon Harbor Group, we aim to assist you with all of your financial needs and goal fulfillment.
Corporate Retirement Planning
Whether you are a small emerging company or established business, we are able to provide investment guidance and overall ongoing management of your retirement plan as either an ERISA 3(21) or ERISA 3(38).
See our Corporate Retirement Director tab to learn more on the types of fiduciary liability we provide.
See our Corporate Retirement Director tab to learn more on the types of fiduciary liability we provide.
Plan Participants
As an employee or as one of our retirement plan clients, you have access to advisors on our team to assist you with varying financial goals. Including retirement, college and overall financial planning needs.
Individuals
Whether your financial objective is protecting your family, investing for short/long term goals, or financing your dream, we will work to find the best solution to accomplish each goal.
Morgan Stanley's Capabilites
Retirees
You've spent many years working hard and are now able to enjoy retirement. Our team will work with you to understand what your priorities are during these years and implement a plan customized for you. Whether it is protecting your assets, optimizing your income needs or advising on various estate planning techniques.
Multi-Generational Families
While all multi-generational families face complex financial issues, each has its own challenges, opportunities and aspirations. Based on a deep understanding of these factors, we can help you create a customized, comprehensive plan to help you achieve your unique vision of a successful life and legacy for both you and your family.
Personalized Corporate Retirement Advisory Services
With almost 30 years of industry experience and a proven track record, Robert Dion is among a select few of less than 2% of Financial Advisors at Morgan Stanley to earn the Corporate Retirement Director (CRD) title. As seasoned professionals who focus largely on the corporate retirement industry, Robert and his team know firsthand what it takes to achieve results and drive outcomes by fully leveraging valuable resources to support you and your organization's vision.
Financial Wellness
This program empowers company employees at every stage of their career to achieve their financial goals through a strong foundation of education, advice and wealth management solutions designed to make addressing finances a source of wellness, not a source of stress.
Learn More
Plan Sponsor Fiduciary Responsibility
By making the decision to offer your employees a qualified retirement plan, you have taken a crucial step toward helping them prepare for a financially secure retirement. With this decision, however, comes certain additional responsibilities.
Learn More
State of the Workplace
Financial benefits are central to help companies attract, engage, and retain talent, as well as becoming the go-to resource for employees to address their personal financial needs. So it’s no wonder that both employees (95%) and HR leaders (98%) agree that employers should offer the best employee benefits available in their industry.
Learn More
Morgan Stanley at Work
Morgan Stanley at Work helps build financial confidence through insightful advice, thoughtful education and cutting-edge technology across a suite of workplace solutions. Morgan Stanley at Work solutions include innovative workplace offerings for companies and employees across equity compensation, financial wellness and retirement solutions.
Learn MoreMonthly Outlooks & Updates
At the Beacon Harbor Group, we strive to simplify complex financial ideas into a digestible format so that our clients can truly understand the work which goes into planning for their financial future and livelihood. We are firm believers in providing our clients with as many resources as possible so that they may stay informed on the latest market trends, analyses, and outlooks. The resources below provide in-depth analysis on current market events and finance topics that are affecting the business world today.
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More: Total Wealth View
Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your goals.
Learn More: Goals Based Planning
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More: Protecting You
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More: Morgan Stanley Online
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
On The Markets Research 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
Morgan Stanley's Idea Podcast: "What's Next?"
Bringing you revealing stories about the world of business, finance, technology, and beyond.
Latest Episode
Lessons In Leadership
A Morgan Stanley speaker series by invitation-only, giving you the chance to sit in on conversations with artists, politicians, economists, and athletes.
Stay tuned to receive additional updates on this truly unique opportunity.
Stay tuned to receive additional updates on this truly unique opportunity.
Location
227 West Monroe St
Suite 3400
Chicago, IL 60606
US
Direct:
(312) 648-1459(312) 648-1459
Toll-Free:
(800) 621-5231(800) 621-5231
Fax:
(312) 648-3344(312) 648-3344
Meet The Beacon Harbor Group
David T Parker
First Vice President, Private Wealth Management, Financial Advisor
Phone:
(312) 648-3321(312) 648-3321
David Heger
Financial Advisor
Phone:
(312) 648-3037(312) 648-3037
Financial Advisor, Qualified Plan Financial Consultant, Financial Planning Specialist
Phone:
(312) 648-3021(312) 648-3021
Cameron Dion
Registered Client Service Associate
Phone:
(312) 648-1459(312) 648-1459
About Robert Dion
Bob started his career as a financial advisor with Merrill Lynch in 1992 and had a few stops along the way landing at Morgan Stanley where has been since December of 2009. He holds both titles of Corporate Retirement and Financial Wellness Director.
Bob and his team have two areas of focus:
- Wealth Management: working with individuals and families to understand both their near term and long term financial objectives and then creating a plan to achieve those goals.
- Corporate Retirement Consulting: working with small to mid-size businesses to manage their retirement plan thru proper plan design, investment selection/monitoring and providing employee educational support with the goal of creating positive participant outcomes towards their retirement.
Bob was born in Nyack, NY but grew up in Arlington Heights, Illinois. He attended Eastern Illinois University where he earned his Bachelor of Science degree in Business Administration. Bob currently lives in Algonquin, Illinois with his wife Sandy and splits time at their home in Sarasota, FL. He has three kids Amy, Ally and Cameron. Cameron joined the team and Morgan Stanley in May of 2021. Bob enjoys all the major sports, playing golf, music (avid Springsteen fan), travelling and spending time with family and friends.
Bob and his team have two areas of focus:
- Wealth Management: working with individuals and families to understand both their near term and long term financial objectives and then creating a plan to achieve those goals.
- Corporate Retirement Consulting: working with small to mid-size businesses to manage their retirement plan thru proper plan design, investment selection/monitoring and providing employee educational support with the goal of creating positive participant outcomes towards their retirement.
Bob was born in Nyack, NY but grew up in Arlington Heights, Illinois. He attended Eastern Illinois University where he earned his Bachelor of Science degree in Business Administration. Bob currently lives in Algonquin, Illinois with his wife Sandy and splits time at their home in Sarasota, FL. He has three kids Amy, Ally and Cameron. Cameron joined the team and Morgan Stanley in May of 2021. Bob enjoys all the major sports, playing golf, music (avid Springsteen fan), travelling and spending time with family and friends.
Securities Agent: WI, MA, KS, RI, NC, IN, MI, AZ, OH, MO, FL, CO, CA, NV, MD, KY, IA, SC, PA, NY, NJ, WA, VA, SD, CT, TX, MN, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 1278934
NMLS#: 1278934
About David T Parker
Dave has over 20 years of experience in the financial services industry. He takes great pride in being easy to work with, his attention to detail as well as his mindfulness of clients' best interests.
Dave’s financial career began at Lehman Brothers. Prior to joining Morgan Stanley in 2010, he spent seven years at Northern Trust as a wealth consultant.
Dave is focused on serving the investment needs of high net worth clients. He listens carefully to the client’s goals and then develops a plan to help achieve those objectives. He is committed to providing high levels of service and building long term relationships.
Dave grew up in Grosse Pointe, Michigan. He earned his Masters of Business Administration and Bachelor of Arts degree from the University of Michigan. He lives in Wilmette, Illinois with his wife Susan, son Will and daughter Merrill. Dave enjoys golf, tennis, and paddle tennis as well as visiting his family cottage in Holland, Michigan. His Michigan roots run deep as a dedicated Wolverine.
Series 7, 63 & 65 Licensed
Insurance Licensed
Life, Health & Variable Annuity Insurance Licensed
NMLS#: 1262274
Dave’s financial career began at Lehman Brothers. Prior to joining Morgan Stanley in 2010, he spent seven years at Northern Trust as a wealth consultant.
Dave is focused on serving the investment needs of high net worth clients. He listens carefully to the client’s goals and then develops a plan to help achieve those objectives. He is committed to providing high levels of service and building long term relationships.
Dave grew up in Grosse Pointe, Michigan. He earned his Masters of Business Administration and Bachelor of Arts degree from the University of Michigan. He lives in Wilmette, Illinois with his wife Susan, son Will and daughter Merrill. Dave enjoys golf, tennis, and paddle tennis as well as visiting his family cottage in Holland, Michigan. His Michigan roots run deep as a dedicated Wolverine.
Series 7, 63 & 65 Licensed
Insurance Licensed
Life, Health & Variable Annuity Insurance Licensed
NMLS#: 1262274
Securities Agent: MO, CT, WY, IL, SD, NJ, KY, NY, MI, MA, IN, FL, AZ, TX, OH, ID, IA, WA, RI, NV, SC, KS, DC, PA, NC, MD, CO, WI, VA, MN, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1262274
NMLS#: 1262274
About David Heger
David started his financial services career as an Investment Associate at Scudder Investments (now DWS) in 2003. In 2005, he moved to Northern Trust Securities where he worked with affluent families and family offices as an Investment Consultant. From 2011 to 2016, David was a Client Advisor at Deutsche Bank where he advised high net worth individuals and investors in their Private Client Services group. He moved to Morgan Stanley in March of 2016, re-connecting with his former Northern colleagues by joining the Beacon Harbor Group. David lives in the Wrigleyville neighborhood with his wife and two children. In his spare time, he enjoys traveling, cooking, competing in triathlons, and boating with family in northern Michigan. He is involved with local charitable organizations supporting children, music, and art throughout Chicago.
Securities Agent: KS, NC, OH, AZ, NV, IN, WI, NY, NJ, MN, MA, VA, TX, RI, IL, IA, FL, SC, PA, MO, MI, CT, WA, SD, MD, KY, CO, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1530256
NMLS#: 1530256
About Isabella C Picchietti
Isabella, mostly known by Bella to friends, family, and clients has been with Morgan Stanley for 7 years. As a Financial Advisor, her primary goal with client relationships is providing knowledge and comfort in your wealth by creating a plan to success in achieving your future goals. She will commit her time and care to building a trusting personal friendship which carries into her professional relationship as your Financial Advisor. Bella's niche is mid-sized companies looking for an advisor on employer plan, retirement plan participants, retirees, and women seeking financial advice.
Originally from a small town in Michigan (just outside Detroit, few miles across river from Canada), Bella moved to Chicago in 2014. She graduated DePaul University receiving a Bachelors of Science in Business with a focus in Finance.
Bella and her Husband, Connor, now reside in the western suburbs of Geneva with their dog, Leo, and son, Nello. During her off days, Bella loves spending quality time with her family. A top weekend activity is walking to the charming downtown of Geneva and strolling through farmers markets. Bella is passionate about exploring new places, attending yoga and fitness classes, reading a good novel & adapting into the beautiful new role of Motherhood.
Click “Contact Me” for Bella to reach out and schedule a casual introduction conversation.
Series 7 & 66 Licensed
Life & Variable Annuity Insurance Licensed
NMLS# 2252116
Originally from a small town in Michigan (just outside Detroit, few miles across river from Canada), Bella moved to Chicago in 2014. She graduated DePaul University receiving a Bachelors of Science in Business with a focus in Finance.
Bella and her Husband, Connor, now reside in the western suburbs of Geneva with their dog, Leo, and son, Nello. During her off days, Bella loves spending quality time with her family. A top weekend activity is walking to the charming downtown of Geneva and strolling through farmers markets. Bella is passionate about exploring new places, attending yoga and fitness classes, reading a good novel & adapting into the beautiful new role of Motherhood.
Click “Contact Me” for Bella to reach out and schedule a casual introduction conversation.
Series 7 & 66 Licensed
Life & Variable Annuity Insurance Licensed
NMLS# 2252116
Securities Agent: AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MT, NC, NE, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, VA, WA, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 2252116
NMLS#: 2252116
About Cameron Dion
Cameron began his wealth management career in May 2021, joining Morgan Stanley as The Beacon Harbor Group's registered client service associate. He attended Iowa State University where he earned his Bachelor of Science degree in Finance.
Cameron was raised in Algonquin, IL. He enjoys studying music and playing guitar and piano, playing golf, cooking, and watching baseball.
Cameron was raised in Algonquin, IL. He enjoys studying music and playing guitar and piano, playing golf, cooking, and watching baseball.
Contact Robert Dion
Contact David T Parker
Contact David Heger
Contact Isabella C Picchietti
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
Rosanne Peel
Private Banker
About Rosanne Peel
Rosanne Peel is a Private Banker serving Morgan Stanley Wealth Management offices in Illinois.
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.
Rosanne began her financial services career in 1987 and joined Morgan Stanley in 2022. Prior to that, she was a Senior Private Banker at BMO Family Office. She also served as a Marketing Manager in the Business Development Group at TD Securities, a Private Banking Relationship Manager at Toronto Dominion Bank, and a Private Banking Relationship Manager at Marine Midland Bank/HSBC.
Rosanne is a graduate of University of Delaware, where she received a Bachelor of Science in Business Administration. She and her family currently reside in Winnetka, Illinois.
From 2014 to 2019, Rosanne dedicated her time to The Auxiliary of the Woman’s Board of the Rush University Medical Center as a Member before transitioning to an Associate Member in 2019. Outside of the office, Rosanne enjoys staying active outdoors by hiking and scuba-diving. She also enjoys playing tennis, traveling, and cooking.
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.
Rosanne began her financial services career in 1987 and joined Morgan Stanley in 2022. Prior to that, she was a Senior Private Banker at BMO Family Office. She also served as a Marketing Manager in the Business Development Group at TD Securities, a Private Banking Relationship Manager at Toronto Dominion Bank, and a Private Banking Relationship Manager at Marine Midland Bank/HSBC.
Rosanne is a graduate of University of Delaware, where she received a Bachelor of Science in Business Administration. She and her family currently reside in Winnetka, Illinois.
From 2014 to 2019, Rosanne dedicated her time to The Auxiliary of the Woman’s Board of the Rush University Medical Center as a Member before transitioning to an Associate Member in 2019. Outside of the office, Rosanne enjoys staying active outdoors by hiking and scuba-diving. She also enjoys playing tennis, traveling, and cooking.
NMLS#: 800017
Wealth Management
Global Investment Office
Portfolio Insights
Retirement for Plan Sponsors
End-to-End Services, Made Simple:
We can provide the tools and guidance to help you manage a retirement plan.
We can provide the tools and guidance to help you manage a retirement plan.
- Plan Evaluation
- Investment Management
- Plan Management Support
- Plan Participant Education
State of the Workplace Study 2023
Article Image
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
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
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
Article Image
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 Beacon Harbor Group today.
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.
3When 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.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
6Alternative 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley 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.
3When 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.
4Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
6Alternative 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.
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)
