Harvey Bell, MBA
Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director, Workplace Advisor – Equity Compensation
The Bell Team at Morgan Stanley
Direct:
(973) 921-6503(973) 921-6503
Toll-Free:
(844) 289-5235(844) 289-5235
Our Mission Statement
Our wealth management principles, hard-earned knowledge, experience and dedication helps guide clients through complex times.
Our Story
Albert Einstein is quoted as saying “the only source of knowledge is experience.” We believe that the clients of The Bell Team at Morgan Stanley benefit from our experience; as a team, we have been identifying opportunities for client wealth for more than a combined 110+ years of fiscal ups and downs.
Helping clients succeed through all kinds of markets and economic conditions has taught us a great deal about managing wealth. In fact, we have developed a series of core beliefs that inform our recommendations – we call them our Seven Principles. With these as our guide, we assist clients with thoughtful strategies and advice in every situation involving money, from investments to philanthropy.
We are firm believers in enhancing our skills and building our knowledge base, so our highly credentialed team can help you determine, plan for and reach your financial and personal goals. As a multi-generation, family-oriented team, we place a high value on kindness, relationships and excellent service. And we hold ourselves to the highest ethical standards for transparency and integrity. Finally, we treat your hard-earned wealth with care and respect – we seek value where it’s available and strive to keep costs as low as possible.
It comes down to our pledge to you – we will do everything we can to provide:
1) the highest quality advice;
2) first-class service;
3) cost-conscious management. It’s why our clients count on us to help their reach their goals.
The Bell Team Named to Forbes Best-In-State Wealth Management Teams 2023-2025
Harvey Bell Named to Forbes Best-In-State Wealth Advisors 2022-2024
Disclosures:
2023-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
2022-2024 Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded 2022-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Helping clients succeed through all kinds of markets and economic conditions has taught us a great deal about managing wealth. In fact, we have developed a series of core beliefs that inform our recommendations – we call them our Seven Principles. With these as our guide, we assist clients with thoughtful strategies and advice in every situation involving money, from investments to philanthropy.
We are firm believers in enhancing our skills and building our knowledge base, so our highly credentialed team can help you determine, plan for and reach your financial and personal goals. As a multi-generation, family-oriented team, we place a high value on kindness, relationships and excellent service. And we hold ourselves to the highest ethical standards for transparency and integrity. Finally, we treat your hard-earned wealth with care and respect – we seek value where it’s available and strive to keep costs as low as possible.
It comes down to our pledge to you – we will do everything we can to provide:
1) the highest quality advice;
2) first-class service;
3) cost-conscious management. It’s why our clients count on us to help their reach their goals.
The Bell Team Named to Forbes Best-In-State Wealth Management Teams 2023-2025
Harvey Bell Named to Forbes Best-In-State Wealth Advisors 2022-2024
Disclosures:
2023-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
2022-2024 Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded 2022-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Services Include
- Wealth ManagementFootnote1
- Asset Management
- 401(k) Rollovers
- Business PlanningFootnote2
- Corporate Retirement PlansFootnote3
- Cash ManagementFootnote4
- Estate Planning StrategiesFootnote5
- Retirement PlanningFootnote6
- Endowments and FoundationsFootnote7
- Financial PlanningFootnote8
- Lending Products
- Professional Portfolio ManagementFootnote9
- Sustainable InvestingFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Seven Principles: What We've Learned About Investing and Wealth Management
These Seven Principles, honed over years of experience, underpin our approach to managing wealth.
1) Success Begins With An Actionable Plan
To accomplish anything, you need a plan.
We’ve been constructing thoughtful, effective wealth management plans for decades.
We’ve been constructing thoughtful, effective wealth management plans for decades.
2) Investment Performance Is Goal-Dependent
Reaching an arbitrary benchmark is less important than helping a client live the life they desire.
We create, manage and adjust each client portfolio based on specific goals.
We create, manage and adjust each client portfolio based on specific goals.
3) Change Is Inevitable; Flexibility Is Crucial
“To expect the unexpected shows a thoroughly modern intellect.”
Oscar Wilde’s century-old quote rings true today. Every plan we create for our clients is agile enough to deal with life’s curve balls.
Oscar Wilde’s century-old quote rings true today. Every plan we create for our clients is agile enough to deal with life’s curve balls.
4) Trust What You Know, Know What You Trust
There are so many choices, so much data. What should you trust?
Separating the signal from the noise is a crucial part of building a successful portfolio.
Separating the signal from the noise is a crucial part of building a successful portfolio.
5) Investments And Emotion Don’t Mix
A panicked investor sells in a declining market ... violating the classic "buy low, sell high" strategy.
Many poor decisions are driven by human emotion. As a "voice of reason" for our clients, we take emotion out of the process.
Many poor decisions are driven by human emotion. As a "voice of reason" for our clients, we take emotion out of the process.
6) Risk And Uncertainty Are Facts Of Life
Every investment carries risk.
By building a portfolio around a goal, we can aim for the ideal combination of appropriate return and minimal risk.
By building a portfolio around a goal, we can aim for the ideal combination of appropriate return and minimal risk.
7) There’s No Excuse For Being Outworked
The financial world never stops. No-one knows what tomorrow may bring, so it pays to be ready.
Our team is structured so that we are available whenever our help is needed.
Our team is structured so that we are available whenever our help is needed.
The views expressed herein are those of the author and do not necessarily reflect the views of Morgan Stanley Wealth Management or its affiliates. All opinions are subject to change without notice. Neither the information provided nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. Past performance is no guarantee of future results.
Comprehensive Wealth Management Based on You
Our comprehensive array of services allows us to provide analysis and advice for all your financial concerns. Some examples:
“Will I have the money I need when I need it?”
The best way to secure your future is to plan for your short-, medium- and long-term needs. We leverage several important principles and strategies:
- Goals-based wealth management
- Retirement strategies
- Cash flow analysis
- Goals-based wealth management
- Retirement strategies
- Cash flow analysis
“How do I guard against financial catastrophe?”
Many people of means are most concerned with wealth preservation. We provide comprehensive wealth management services that can help protect your future:
- Permanent and term life insurance
- Long-term care
- Disability
- Permanent and term life insurance
- Long-term care
- Disability
“I want to provide for the people and institutions I care about.”
It’s important to have a strategy in place to ensure your legacy, so that any decision aligns with your wishes. We have a process to make that happen:
- Wealth transfer strategies
- Wills, trust, estate and legacy planning
- Access to trust and estate professionals
- Philanthropy services
- Collaboration with your attorneys, accountants and other trusted professionals
- Wealth transfer strategies
- Wills, trust, estate and legacy planning
- Access to trust and estate professionals
- Philanthropy services
- Collaboration with your attorneys, accountants and other trusted professionals
“What’s the best way to invest my assets?”
Every portfolio we manage is designed around you, so there is no single answer. However, we create, implement and manage your portfolio providing:
- Thought leadership
- Asset allocation
- Portfolio construction
- Investment manager selection
- A range of solutions, from traditional investments to alternatives, annuities and investing with impact
- Thought leadership
- Asset allocation
- Portfolio construction
- Investment manager selection
- A range of solutions, from traditional investments to alternatives, annuities and investing with impact
“What about day-to-day money management?”
We offer a wide array of lending and cash management services that both simplify your finances and ensure that your entire financial life adheres to an appropriate strategy:
- Home loan solutions
- Securities based loans
- Mobile check deposit and online bill paying
- Morgan Stanley credit, debit and charge cards
- Unlimited ATM access
- Digital account management, money transfer and deposit
- Home loan solutions
- Securities based loans
- Mobile check deposit and online bill paying
- Morgan Stanley credit, debit and charge cards
- Unlimited ATM access
- Digital account management, money transfer and deposit
We Work With Like-Minded People And Organizations
- Many of our clients have been with us across generations. Why? Because we share common values:
- They are accomplished individuals who have worked hard, achieved success and want an advisor they can trust.
- They value experience and hard work, knowledge and skills, honesty and integrity.
- They care about their communities, their families and the future.
- They are like us – The Bell Team.
- Our clients are like family to us. We are happy to assist them with family meetings, wealth stewardship and financial education. And, we are available for them whenever they need us.
- They are accomplished individuals who have worked hard, achieved success and want an advisor they can trust.
- They value experience and hard work, knowledge and skills, honesty and integrity.
- They care about their communities, their families and the future.
- They are like us – The Bell Team.
- Our clients are like family to us. We are happy to assist them with family meetings, wealth stewardship and financial education. And, we are available for them whenever they need us.
Our business and professional clients
- Corporate cash management. Cash is the life blood of any business. On behalf of our corporate clients, we leverage our experience, world-class platform, global resources, and professional oversight and reporting to serve their business imperatives.
- Retirement planning. Retirement plans are complex and difficult-to-manage … but also a competitive and strategic necessity. We work with clients to create or improve an effective defined contribution plan.
- Executive wealth management. We help individual executives envision, plan for and achieve their personal financial goals.
- Retirement planning. Retirement plans are complex and difficult-to-manage … but also a competitive and strategic necessity. We work with clients to create or improve an effective defined contribution plan.
- Executive wealth management. We help individual executives envision, plan for and achieve their personal financial goals.
Our work with not-for-profit organizations
- We work with a select group of not-for-profit organizations, providing professional asset management, helping them refining an Investment Policy Statement.
- Just as important, we manage their portfolios in accordance with their mission.
- Our Advisors are philanthropists and board members. We have direct experience with issues faced by not-for-profit organizations.
- Just as important, we manage their portfolios in accordance with their mission.
- Our Advisors are philanthropists and board members. We have direct experience with issues faced by not-for-profit organizations.
OVERVIEW
Thanks to the unwavering commitment to helping clients and families achieve their investment goals, members of The Bell Team have received the following industry awards, recognitions, and designations.
The Bell Team
- Forbes Best-In-State Wealth Management Teams 2023-2025
2023-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
View the Forbes 2025 Press Release2023-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
Harvey Bell
- Forbes Best-in-State Wealth Advisors 2022-2024
2022-2024 Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded 2022-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
View the Forbes 2024 Press Release2022-2024 Forbes Best-In-State Wealth Advisors Source: Forbes.com (Awarded 2022-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Jeff Smulevitz
- CFP®, CERTIFIED FINANCIAL PLANNER™
- Executive Financial Services Director
- Financial Planning Specialist
Learn more about the Executive Financial Services Director Designation- Executive Financial Services Director
- Financial Planning Specialist
Murray Bell
- CRPS®, Chartered Retirement Planning Specialist℠
The Chartered Retirement Plans Specialist℠ (CRPS®) designation is specifically targeted at professionals who design, install, and maintain retirement plans for the business community.
The Chartered Retirement Plans Specialist℠ (CRPS®) designation is specifically targeted at professionals who design, install, and maintain retirement plans for the business community.
VALUABLE TOOLS AND RESOURCES:
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies that we have to offer our clients. We have also included resources meant to transform complex financial analysis and research into concise and easily digestible content.
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative tool used by several of the world’s largest institutional asset managers, using this tool provides comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios.
Manage Your Risk
Goals Planning System
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
Start Planning Now
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your external account information, you will benefit from more informed and comprehensive wealth planning and convenient connectivity.
Learn More About Total Wealth View
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
Personal Finance
Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. Learn from Morgan Stanley thought leaders about how to manage your wealth and help meet your personal financial goals.
See Insights on Personal Finance
Thoughts on the Market
Each week, Chief Cross-Asset Strategist Andrew Sheets, or a member of his team, offers perspective on the forces shaping the markets as well as insights on investment opportunities and risk across global asset classes.
Listen Here
2024 Tax Tables
This helpful resource outlines the 2024 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
Access the 2024 income tax tables
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 About Online Security CenterLocation
150 JFK Parkway
2nd Floor
Short Hills, NJ 07078
US
Direct:
(973) 921-6503(973) 921-6503
Toll-Free:
(844) 289-5235(844) 289-5235
Fax:
(908) 655-9044(908) 655-9044
Meet The Bell Team
Murray Bell, CRPS®
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager, CHARTERED RETIREMENT PLANS SPECIALIST, Workplace Advisor - Equity Compensation
Phone:
(973) 921-6501(973) 921-6501
Peter Mikail
Vice President, Wealth Management, Financial Advisor, Workplace Advisor - Equity Compensation
Phone:
(973) 921-6504(973) 921-6504
Jeff Smulevitz, CFP®
Vice President, Wealth Management, Financial Advisor, Executive Financial Services Director, CERTIFIED FINANCIAL PLANNER®, Workplace Advisor - Equity Compensation
Arthur Jay Podnos
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(973) 921-6430(973) 921-6430
Tiffany K. Thomas
Portfolio Associate
Phone:
(973) 921-6523(973) 921-6523
Claudia Rao
Senior Client Service Associate (CSA)
Phone:
(908) 518-5411(908) 518-5411
About Harvey Bell, MBA
Harvey Bell is a Managing Director, Senior Portfolio Management Director, Financial Advisor, and founder of The Bell Team at Morgan Stanley. The leader of The Bell Team, Harvey has been helping clients achieve their goals since 1982. In 2015, he brought the team to Morgan Stanley from Merrill Lynch to expand and strengthen the services and resources available to clients.
Harvey draws on his extensive experience, knowledge, and training to provide a comprehensive array of wealth management services – these may include investments, financial planning, retirement planning, philanthropy, estate planning strategies, credit & lending, and cash management services. He also works with a limited number of businesses and non-profit organizations.
Harvey has been a thought leader in our industry for much of his career. He served as Senior Resident Director at Merrill Lynch, overseeing offices across New Jersey. He was also a Senior Portfolio Manager in the Global Wealth Management Group and helped run a leadership development team to train other advisors. Harvey earned an M.B.A. in Finance from Texas A&M University.
Harvey, originally from Queens, currently resides in West Orange, NJ. He enjoys hiking, going to the gym, traveling, engaging in community service, and visiting Israel and Italy. He loves spending time with his four children’s families and five grandchildren. Harvey is a big fan of the New York Knicks, Jets, Frank Sinatra, and Andrea Bocelli. He also likes all kinds of music, especially jazz and classical. He is a member of the United States Chaplain Corps (USCC), where he offers help and support to those who find themselves amid life challenges and crises. Harvey also supports various religious foundations, communal organizations, the American Israel Public Affairs Committee, and was formerly a member on the Board of Trustees for the Friars Club.
Harvey draws on his extensive experience, knowledge, and training to provide a comprehensive array of wealth management services – these may include investments, financial planning, retirement planning, philanthropy, estate planning strategies, credit & lending, and cash management services. He also works with a limited number of businesses and non-profit organizations.
Harvey has been a thought leader in our industry for much of his career. He served as Senior Resident Director at Merrill Lynch, overseeing offices across New Jersey. He was also a Senior Portfolio Manager in the Global Wealth Management Group and helped run a leadership development team to train other advisors. Harvey earned an M.B.A. in Finance from Texas A&M University.
Harvey, originally from Queens, currently resides in West Orange, NJ. He enjoys hiking, going to the gym, traveling, engaging in community service, and visiting Israel and Italy. He loves spending time with his four children’s families and five grandchildren. Harvey is a big fan of the New York Knicks, Jets, Frank Sinatra, and Andrea Bocelli. He also likes all kinds of music, especially jazz and classical. He is a member of the United States Chaplain Corps (USCC), where he offers help and support to those who find themselves amid life challenges and crises. Harvey also supports various religious foundations, communal organizations, the American Israel Public Affairs Committee, and was formerly a member on the Board of Trustees for the Friars Club.
Securities Agent: FL, NE, AR, WV, NV, GA, VA, MO, LA, DE, AL, NC, MA, CT, AZ, TN, OH, NH, MD, IL, DC, RI, IN, WA, VT, MN, MI, TX, SC, ME, ID, WI, PA, NM, NJ, CO, CA, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 578129
NMLS#: 578129
About Murray Bell
Murray Bell is a Senior Vice President, Senior Portfolio Manager, Chartered Retirement Plans Specialist (CRPS®), and Financial Advisor with The Bell Team at Morgan Stanley. For more than three decades, Murray has worked with individuals and their families, delivering comprehensive wealth management advice and services to help them achieve their financial goals. He also works with corporations to provide asset management strategically aligned with their business objectives.
Murray’s experience allows him to offer thoughtful advice and strategically integrated solutions for any financial issue. He has extensive training and experience in planning, cash management, credit & lending, estate planning strategies & philanthropy, investments, retirement, and solutions for business.
Murray holds the Chartered Retirement Planning Counselor℠ designation, demonstrating broad knowledge of pre- and post-retirement planning, including taxes, estate strategies and investments. He also earned a B.S. in Finance and Operations from Syracuse University.
Murray lives in Springfield with his wife, Beth, and their dog, Taffy. He is committed to his community, having served as the president of his synagogue. Murray also devotes time to major fund-raising events and initiatives for his alma mater.
Murray’s experience allows him to offer thoughtful advice and strategically integrated solutions for any financial issue. He has extensive training and experience in planning, cash management, credit & lending, estate planning strategies & philanthropy, investments, retirement, and solutions for business.
Murray holds the Chartered Retirement Planning Counselor℠ designation, demonstrating broad knowledge of pre- and post-retirement planning, including taxes, estate strategies and investments. He also earned a B.S. in Finance and Operations from Syracuse University.
Murray lives in Springfield with his wife, Beth, and their dog, Taffy. He is committed to his community, having served as the president of his synagogue. Murray also devotes time to major fund-raising events and initiatives for his alma mater.
Securities Agent: SC, CA, VA, OH, MN, LA, DE, WV, TX, TN, ME, MA, IN, ID, CO, PA, NY, NM, MO, NV, NJ, WI, WA, IL, NC, CT, NH, MI, MD, DC, AR, VT, RI, GA, FL, AZ, AL, NE; General Securities Representative; Investment Advisor Representative
NMLS#: 578612
NMLS#: 578612
About Peter Mikail
Peter Mikail is a Vice President and Financial Advisor with The Bell Team at Morgan Stanley. For more than two decades, Peter has been a part of The Bell Team, where he manages client portfolios, with a specific focus on research, analytics, and portfolio construction.
Peter also oversees team operations and is a point person for priority client requests. Peter takes pride in helping the team’s clients navigate markets while avoiding the missteps that can plague investors. He focuses on trading, developing equity strategies, and researching investments.
Peter began his career at Merrill Lynch while still attending college, reflecting his life-long interest in markets and trading. He joined Morgan Stanley with Harvey and Murray Bell in 2015. He earned a B.A. in Economics from Rutgers University.
Peter lives in Jersey City with his fiancé, Viviana, and their dog, Archer. He enjoys spending time with his family and friends. He has been practicing yoga and meditation for many years. Peter is also an avid traveler.
Peter also oversees team operations and is a point person for priority client requests. Peter takes pride in helping the team’s clients navigate markets while avoiding the missteps that can plague investors. He focuses on trading, developing equity strategies, and researching investments.
Peter began his career at Merrill Lynch while still attending college, reflecting his life-long interest in markets and trading. He joined Morgan Stanley with Harvey and Murray Bell in 2015. He earned a B.A. in Economics from Rutgers University.
Peter lives in Jersey City with his fiancé, Viviana, and their dog, Archer. He enjoys spending time with his family and friends. He has been practicing yoga and meditation for many years. Peter is also an avid traveler.
Securities Agent: CO, TN, SC, MA, LA, IN, FL, CT, CA, WA, NC, OH, NY, ME, MD, IL, AZ, AR, AL, MO, WV, VT, MI, WI, RI, NJ, NH, VA, PA, NV, DC, NM, NE, TX, MN, ID, GA, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 1269980
NMLS#: 1269980
About Jeff Smulevitz
Jeff Smulevitz is a Vice President, Executive Financial Services Director, CERTIFIED FINANCIAL PLANNER™ (CFP®), and Financial Advisor with The Bell Team at Morgan Stanley. As a CFP®, Jeff uses a goal-based process to create and implement financial plans designed to help clients achieve their goals. His solutions may include retirement planning, investments, philanthropy, estate planning strategies, credit & lending, and cash management.
Jeff earned the CERTIFIED FINANCIAL PLANNER™ designation in 2020, having met extensive training and experience requirements, and committing to ethical standards that require him to act as a fiduciary when providing financial advice to clients. CFP® professionals take a holistic, personalized approach to bring all the pieces of a client’s financial life together.
Jeff earned a B.B.A. in Corporate Finance and Economics from Queens College, City University of New York. He began his career in 2014 at Merrill Lynch until ultimately joining Morgan Stanley in 2017.
Jeff lives in Springfield with his wife, Dassie, and their three children, Ayelet, Tamar and Izzy. Jeff volunteers as a judge for the SIFMA Foundation’s InvestWrite program, an educational non-profit organization dedicated to fostering knowledge and understanding of the financial markets for individuals of all backgrounds with a focus on youth in underserved communities and students of color. Jeff serves on the Board of Trustees for his local Synagogue, Congregation Israel of Springfield, and is Co-Chair of the Synagogue’s Youth Department. He is also a committed golfer, but above all, he enjoys spending time with his family.
Jeff earned the CERTIFIED FINANCIAL PLANNER™ designation in 2020, having met extensive training and experience requirements, and committing to ethical standards that require him to act as a fiduciary when providing financial advice to clients. CFP® professionals take a holistic, personalized approach to bring all the pieces of a client’s financial life together.
Jeff earned a B.B.A. in Corporate Finance and Economics from Queens College, City University of New York. He began his career in 2014 at Merrill Lynch until ultimately joining Morgan Stanley in 2017.
Jeff lives in Springfield with his wife, Dassie, and their three children, Ayelet, Tamar and Izzy. Jeff volunteers as a judge for the SIFMA Foundation’s InvestWrite program, an educational non-profit organization dedicated to fostering knowledge and understanding of the financial markets for individuals of all backgrounds with a focus on youth in underserved communities and students of color. Jeff serves on the Board of Trustees for his local Synagogue, Congregation Israel of Springfield, and is Co-Chair of the Synagogue’s Youth Department. He is also a committed golfer, but above all, he enjoys spending time with his family.
Securities Agent: MO, TX, SC, NE, MA, PA, LA, ID, RI, IL, DC, AZ, WA, ME, DE, TN, MI, WI, VT, NV, MN, FL, CO, AL, NY, NM, MD, GA, AR, NC, CA, VA, OH, NH, IN, CT, WV, NJ; General Securities Representative; Investment Advisor Representative
NMLS#: 1411768
CA Insurance License #: 4188254
NMLS#: 1411768
CA Insurance License #: 4188254
About Arthur Jay Podnos
Arthur (Arty) Podnos is a Senior Vice President, Senior Portfolio Manager, and Financial Advisor with The Bell Team at Morgan Stanley. With more than 40 years of industry experience, Arty focuses on building custom portfolios and financial plans that are tailored to clients’ needs, personalities, and goals. As a Portfolio Manager, he is among a select group of advisors who conduct their own research and analysis to create highly customized investment strategies.
With decades of experience as a Certified Public Accountant, Corporate Controller, and Financial Advisor, Arty has excelled at managing finances at all levels of service. Drawing on his extensive industry experience, he helps clients navigate a variety of financial complexities – from managing insurance liabilities to mitigating taxes and designing investment plans. Arty is deeply committed to listening to clients’ needs and carefully crafting strategies that are tailored to their unique objectives, personalities, and risk tolerance. His aim is simple: he focuses on managing clients’ financial lives so that they are free to focus on what’s most important to them – their families, passions, and life goals.
A graduate of Queens College, City University of New York, Arty received a B.A. in Business and Accounting before earning an M.B.A. in Finance from Fairleigh Dickinson University. He began his career as a Certified Public Accountant (now retired) and Corporate Controller with firms in the entertainment and media industries. He later transitioned to a brokerage firm and a career as a Financial Advisor. In 1991, Arty joined Smith Barney, a Morgan Stanley predecessor firm. He has been with Morgan Stanley for over 25 years.
Outside of the office, Arty enjoys spending time with his family and friends. He loves skiing, bicycling, cooking, traveling, and spending time with his grandchildren. He is a big fan of the New York Giants and Yankees. Arty also serves on the Board of Trustees for a local non-profit organization.
With decades of experience as a Certified Public Accountant, Corporate Controller, and Financial Advisor, Arty has excelled at managing finances at all levels of service. Drawing on his extensive industry experience, he helps clients navigate a variety of financial complexities – from managing insurance liabilities to mitigating taxes and designing investment plans. Arty is deeply committed to listening to clients’ needs and carefully crafting strategies that are tailored to their unique objectives, personalities, and risk tolerance. His aim is simple: he focuses on managing clients’ financial lives so that they are free to focus on what’s most important to them – their families, passions, and life goals.
A graduate of Queens College, City University of New York, Arty received a B.A. in Business and Accounting before earning an M.B.A. in Finance from Fairleigh Dickinson University. He began his career as a Certified Public Accountant (now retired) and Corporate Controller with firms in the entertainment and media industries. He later transitioned to a brokerage firm and a career as a Financial Advisor. In 1991, Arty joined Smith Barney, a Morgan Stanley predecessor firm. He has been with Morgan Stanley for over 25 years.
Outside of the office, Arty enjoys spending time with his family and friends. He loves skiing, bicycling, cooking, traveling, and spending time with his grandchildren. He is a big fan of the New York Giants and Yankees. Arty also serves on the Board of Trustees for a local non-profit organization.
Securities Agent: MO, CA, GA, MN, MA, VT, DE, SC, DC, VA, ME, NC, WA, OH, TN, WI, NJ, LA, FL, NY, OK, KY, PA, KS, MD, MI, IL, CT, CO, TX, AZ, AR, AL, ID; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1312550
NMLS#: 1312550
About Tiffany K. Thomas
Tiffany Thomas is a Portfolio Associate with The Bell Team at Morgan Stanley. As the primary point of client contact, Tiffany consistently enhances the client experience by assisting with all client service-related matters in an efficient and precise manner. She also works closely with the Financial Advisors to support the team’s financial planning efforts and portfolio maintenance.
Tiffany began her career in Social Services, where she developed the skills of patience, empathy, and the ability to gain trust and establish long-term relationships with others. She’s been in the financial services industry for more than a decade. She spent five years as a personal banker at JPMorgan Chase before embarking on a career at Morgan Stanley in 2015.
Tiffany earned a B.A. in criminal justice from Morris Brown College and an MBA from the University of Phoenix.
Outside of Morgan Stanley, Tiffany proudly engages in community service and advocacy by volunteering to teach yoga classes and perform with her dance company.
Tiffany began her career in Social Services, where she developed the skills of patience, empathy, and the ability to gain trust and establish long-term relationships with others. She’s been in the financial services industry for more than a decade. She spent five years as a personal banker at JPMorgan Chase before embarking on a career at Morgan Stanley in 2015.
Tiffany earned a B.A. in criminal justice from Morris Brown College and an MBA from the University of Phoenix.
Outside of Morgan Stanley, Tiffany proudly engages in community service and advocacy by volunteering to teach yoga classes and perform with her dance company.
About Claudia Rao
Claudia is a Senior Client Service Associate (CSA) with The Bell Team at Morgan Stanley. She helps shape the future of our service with her desire to be thorough, efficient, personable, and effective. Claudia is modernizing the client experience through our technology and is elevating our standard of care. She truly cares about our clients and works hard to help them simplify and manage aspects of their financial life. She strives to provide every client we serve with a first-class customer experience.
Claudia cultivates and enhances new and existing client relationships through active communication, processing client requests, resolving inquiries, and making sure key information and documentation remains current. She helps run our business with an eye on each administrative detail and finds the issues that need to be addressed. She is a fantastic partner within our group.
Claudia majored in Liberal Arts at Brooklyn College. Prior to joining Morgan Stanley in 2001, Claudia worked at Fahnestock & Co. on Wall Street for eleven years. When she was younger, she’d help her mother and uncle during summer break in the diamond industry.
Claudia resides in Old Bridge, New Jersey, with her husband and two children. She loves spending quality time with family and friends. Outside of work, Claudia enjoys engaging in outdoor activities. She also volunteers for children with special needs. She is bilingual as she knows Spanish.
Claudia cultivates and enhances new and existing client relationships through active communication, processing client requests, resolving inquiries, and making sure key information and documentation remains current. She helps run our business with an eye on each administrative detail and finds the issues that need to be addressed. She is a fantastic partner within our group.
Claudia majored in Liberal Arts at Brooklyn College. Prior to joining Morgan Stanley in 2001, Claudia worked at Fahnestock & Co. on Wall Street for eleven years. When she was younger, she’d help her mother and uncle during summer break in the diamond industry.
Claudia resides in Old Bridge, New Jersey, with her husband and two children. She loves spending quality time with family and friends. Outside of work, Claudia enjoys engaging in outdoor activities. She also volunteers for children with special needs. She is bilingual as she knows Spanish.
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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
Zach Dimonekas
Planning Associate
Don Janevski
Private Banker
Adam Guralnick
Private Banker
Knetia Herrera
Associate Private Banker
About Zach Dimonekas
Zach Dimonekas is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Zach provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Auburn University and received the Financial Planning Specialist® designation from the College for Financial Planning. Zach is originally from Darien, CT and currently resides in New York City.
He earned his undergraduate degree from Auburn University and received the Financial Planning Specialist® designation from the College for Financial Planning. Zach is originally from Darien, CT and currently resides in New York City.
About Don Janevski
Don Janevski is a Private Banker serving Morgan Stanley Wealth Management offices in New Jersey.
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.
Don began his career in financial services in 2003 and joined Morgan Stanley in 2015 as an Associate Private Banker. Prior to joining the firm, he was a Mortgage Loan Consultant and a Mortgage Product Specialist with Silver Financial Capital Group, as well as a Branch Manager with First Lenders Mortgage.
Don is a graduate of the Montclair State University, where he received a Bachelor of Business Administration in Marketing and Management. He lives in Emerson, NJ with his family. Outside of the office, Don enjoys spending time with family and friends, exercising and painting.
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.
Don began his career in financial services in 2003 and joined Morgan Stanley in 2015 as an Associate Private Banker. Prior to joining the firm, he was a Mortgage Loan Consultant and a Mortgage Product Specialist with Silver Financial Capital Group, as well as a Branch Manager with First Lenders Mortgage.
Don is a graduate of the Montclair State University, where he received a Bachelor of Business Administration in Marketing and Management. He lives in Emerson, NJ with his family. Outside of the office, Don enjoys spending time with family and friends, exercising and painting.
NMLS#: 197095
About Adam Guralnick
Adam Guralnick is a Private Banker serving Morgan Stanley Wealth Management offices in New Jersey.
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.
Adam began his career in financial services in 2002, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was a Wealth Management Banker at UBS. He also served as a UHNW Associate Private Banker at Citi Private Bank and a Merrill Lynch Banking Advisor.
Adam is a graduate of the University at Buffalo, where he received a Bachelor of Arts in Communication and a Master of Arts in Informatics. He lives in Livingston, New Jersey with his family. Outside of the office, Adam enjoys traveling, sports, and spending time with his family.
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.
Adam began his career in financial services in 2002, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, he was a Wealth Management Banker at UBS. He also served as a UHNW Associate Private Banker at Citi Private Bank and a Merrill Lynch Banking Advisor.
Adam is a graduate of the University at Buffalo, where he received a Bachelor of Arts in Communication and a Master of Arts in Informatics. He lives in Livingston, New Jersey with his family. Outside of the office, Adam enjoys traveling, sports, and spending time with his family.
NMLS#: 1114313
About Knetia Herrera
Knetia Herrera is an Associate Private Banker serving Morgan Stanley Wealth Management offices in New Jersey.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Knetia began her career in financial services in 2016, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, she was a Licensed Private Client Banker, a Licensed Relationship Banker, and a Personal Banker at JP Morgan.
Knetia is a graduate of the University of West Indies, where she received a Bachelor of Science in Banking and Finance, and Southern New Hampshire University, where she received her Master of Science in Applied Economics. She lives in Bloomingdale, New Jersey with her family. Outside of the office, Knetia enjoys experimenting in the kitchen, partaking in adrenaline filled activities, and spending time with family and friends.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Knetia began her career in financial services in 2016, and joined Morgan Stanley in 2021 as an Associate Private Banker. Prior to joining the firm, she was a Licensed Private Client Banker, a Licensed Relationship Banker, and a Personal Banker at JP Morgan.
Knetia is a graduate of the University of West Indies, where she received a Bachelor of Science in Banking and Finance, and Southern New Hampshire University, where she received her Master of Science in Applied Economics. She lives in Bloomingdale, New Jersey with her family. Outside of the office, Knetia enjoys experimenting in the kitchen, partaking in adrenaline filled activities, and spending time with family and friends.
NMLS#: 1615990
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
Are You Prepared for Tax Day?
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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 Bell Team today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 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
5Morgan 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.
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.
7Morgan 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.
8Morgan 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.
9Morgan 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.
10The 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 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
5Morgan 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.
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.
7Morgan 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.
8Morgan 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.
9Morgan 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.
10The 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.
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)