Phone:
(248) 218-8243(248) 218-8243
Industry Award WinnerOur Mission Statement
Our mission is to guide and support our clients on their financial journeys with care, trust and expertise. We believe in building lasting relationships, understanding what truly matters to each person we work with, and creating personalized strategies to help you achieve your goals. Your financial well-being is our shared priority- today, tomorrow and for generations to come.
Working with The Bluewater Group
At the Bluewater Group at Morgan Stanley, conviction, integrity and consistency are more than just values- they are the foundation of everything we do. With over 50 years of combined experience, our team is proud to have earned the trust of families and business executives who have entrusted us with their most important financial decisions.
We specialize in working with corporate executives, business owners, and women- individuals who often carry the weight of both professional and personal responsibilities. We understand the unique challenges they face, from navigating equity compensation plans to preparing for aging parents' needs, all while staying focused on their own goals.
Life moves fast- and it rarely slows down for financial planning. From the board room to the family room, our clients are pulled in every direction. That's why they've turned to us: to lift the burden of managing complex financial matters with thoughtful guidance, clear communication and unwavering reliability.
When you work with the Bluewater Group, you can expect a personalized, concierge-level experience designed around portfolio optimization, tax efficiency and long-term legacy planning. We help our clients align their financial decisions with the life they've worked hard to build, and we would be honored to do the same for you.
We specialize in working with corporate executives, business owners, and women- individuals who often carry the weight of both professional and personal responsibilities. We understand the unique challenges they face, from navigating equity compensation plans to preparing for aging parents' needs, all while staying focused on their own goals.
Life moves fast- and it rarely slows down for financial planning. From the board room to the family room, our clients are pulled in every direction. That's why they've turned to us: to lift the burden of managing complex financial matters with thoughtful guidance, clear communication and unwavering reliability.
When you work with the Bluewater Group, you can expect a personalized, concierge-level experience designed around portfolio optimization, tax efficiency and long-term legacy planning. We help our clients align their financial decisions with the life they've worked hard to build, and we would be honored to do the same for you.
How Can We Help You?
- Client Resource Guide
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
It All Starts With a Plan
Working with us begins with a financial plan- because we believe clarity creates confidence. We take the time to understand your full financial picture, your goals, and what matters most to you. This plan will become the foundation of our work together, helping to guide your investment decisions, manage risk and align your resources with your vision for the future.
Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our cutting edge tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth Management
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk Platform
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential, manage unrealized gains and help keep more of what you earn.
Learn More
Investment Advisory
Manage your investments within a holistic advisory relationship and take advantage of integrated tax, risk management and estate planning benefits across your entire wealth strategy—backed by leading insights and one of the financial industry's most comprehensive, multi-award-winning advisory platform.
Insured Solutions
As a leader in the distribution of insurance and annuities, our offerings include disability, long-term care and property & casualty insurance, as well as fixed, indexed and variable annuities. Morgan Stanley offers these products in conjunction with its licensed insurance agency affiliates.
Morgan Stanley Insured Solutions
Private Markets
Many of today’s companies stay private longer, with more of their valuation being created before they become publicly traded. Morgan Stanley Private Markets connects a broad network of potential private investors in an accessible ecosystem, allowing eligible clients to buy and sell securities of private companies.
Morgan Stanley Private Markets
Cash Management and Lending Solutions
At Morgan Stanley, we offer unique cash management and lending solutions to complement your investments and help simplify your finances.
Explore the Full Suite of Offerings
Beyond Basic Borrowing
Most people borrow during the course of their lives. But it’s important to be as strategic about borrowing as you are with the other areas of your financial life.
Strategic BorrowingMonitoring Your Progress
As we continue to work together, we offer our clients a suite of modern wealth tools to manage their money and monitor their progress to their goals.
Morgan Stanley Onlline
Learn how our website can help you stay up to date on your progress to goals and communicate securely with our team.
Learn More Here
Total Wealth View
It's hard to see where you are going if you can't see the whole picture- our total wealth view helps you see all of your accounts, so you can get the full financial picture.
Get The Full Picture
Online Security Center
Our Online Security Center helps keep you up to date with the latest ways to keep your identity and your information secure.
See How You Can Be More Secure
Digital Vault
Our digital vault allows you to store documents in the digital vault and share them with your team, effortlessly.
Learn More HereHelping You Every Step of The Way
Life events can change your financial roadmap- and we have the knowledge and resources to help you still arrive at your goals.
Below are some resources to help you navigate some of life's biggest milestones- from raising your children to taking care of aging parents.
Below are some resources to help you navigate some of life's biggest milestones- from raising your children to taking care of aging parents.
Teaching Your Children About Money
We know that teaching your children about money can be challenging- this workbook explores different ways to think about money and help them learn about spending, saving and giving back.
Download our Common Cents: A Kids Guide to Money
Selling a Business
Selling your business can mean big changes for you- personally and financially. Learn how to make the most of your changes.
Planning for Life After Selling Your Business
Divorce
No one plans to get divorced- so getting your plan back on track after can be challenging. There's plenty of things to consider, and we can help.
Listen to our What Should I Do With My Money Podcast
Life After Divorce
This guidebook will help you get started at navigating life after divorce.
Caring For Others
Many of our clients have had to assume the role of caregiver, whether it be for a spouse, a parent, or a sibling. We can help you plan to care for others, so you can still care for yourself.
Set Yourself Up For Success As a Caregiver
Retirement
You've spent years saving for retirement- now that you've retired, there are new challenges. We are prepared to help you navigate them.
Learn about the 5 biggest challenges in retirement- and how to overcome them.
Estate Planning
Estate planning can be an uncomfortable conversation, and often seems like a lower priority than other things. Here are 7 key steps you should take to make sure your assets get distributed the way you like.
Estate Planning EssentialsLocation
1108 North Main Street
Rochester, MI 48307
US
Direct:
(248) 218-8243(248) 218-8243
Meet The Bluewater Group
Phone:
(248) 218-8266(248) 218-8266
Vice President, Financial Advisor, Senior Portfolio Manager, Insurance Planning Director
Phone:
(248) 218-8249(248) 218-8249
Phone:
(248) 218-8254(248) 218-8254
Logan Oates
Client Service Associate
Phone:
(248) 218-8251(248) 218-8251
Amy D. Irish
Wealth Management Associate, Financial Planning Specialist
Phone:
(248) 218-8226(248) 218-8226
About Bruce A French
As a Financial Advisor with Morgan Stanley since 1998, I have gained a deep understanding of various markets and economic conditions. This knowledge helps me develop personalized asset allocation strategies that are actively balanced and adjusted. My goal is to seek to maximize portfolio returns while managing risk.
One of my areas of focus is developing individual and family financial plans. There are many topics to discuss when considering your family's financial future so I earned Morgan Stanley's designation of Family Wealth Advisor. This designation has provided me with invaluable insight on the importance of planning early for your family's financial future. Ask me for a complimentary guide on how to start YOUR personal planning process. I provide this to all of my clients and would be happy to share this valuable resource with you.
I am originally from Oxford. I graduated from Western Michigan University with a Bachelor of Arts in Business Administration in 1998. I currently live in Rochester with my wife Jennifer, and my three children, Katelyn, Jacob and Mackenzie. I enjoy traveling, fishing, golfing, gardening, beekeeping and spending time up North with my family in the summer. My community involvements include Rochester Neighborhood House and coaching kids sports for the Rochester Schools.
I look forward to meeting you.
One of my areas of focus is developing individual and family financial plans. There are many topics to discuss when considering your family's financial future so I earned Morgan Stanley's designation of Family Wealth Advisor. This designation has provided me with invaluable insight on the importance of planning early for your family's financial future. Ask me for a complimentary guide on how to start YOUR personal planning process. I provide this to all of my clients and would be happy to share this valuable resource with you.
I am originally from Oxford. I graduated from Western Michigan University with a Bachelor of Arts in Business Administration in 1998. I currently live in Rochester with my wife Jennifer, and my three children, Katelyn, Jacob and Mackenzie. I enjoy traveling, fishing, golfing, gardening, beekeeping and spending time up North with my family in the summer. My community involvements include Rochester Neighborhood House and coaching kids sports for the Rochester Schools.
I look forward to meeting you.
Securities Agent: CA, RI, OH, ME, KY, MI, AZ, VA, SD, IN, IA, DE, NY, FL, CO, TX, NJ, VT, NM, MA, ID, CT, WA, DC, MS, MO, IL, GA, TN, PA, NC, SC, LA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1268259
NMLS#: 1268259
About Sandra E Lutkenhoff
Securities Agent: TX, ID, FL, MN, DC, WA, VA, CA, NY, NJ, KY, CT, OH, CO, LA, TN, SC, DE, AZ, PA, SD, NM, NC, IN, MI, ME, MA, IL, GA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1498291
CA Insurance License #: 0D32114
NMLS#: 1498291
CA Insurance License #: 0D32114
About Matt Sebastian
Matt is a Financial Advisor joined the team in 2020. In 4 consecutive years (2021-2024) Matt was named to the Firm’s Pacesetter’s Club, a global recognition program for Financial Advisors who have demonstrated the highest professional standards and first class client service early in their career. Matt’s passion in helping clients achieve their financial goals stems from his 15 year career in the Healthcare industry.
Matt has a Bachelor’s Degree from Michigan State University and a Master’s Degree from Cleveland State University. Matt lives in Rochester, Michigan with his wife of 18 years and their two children (15 & 11).
Matt is an active volunteer for several nonprofits focused on Diabetes (JDRF), Mental Health (AFSP), and Cancer Research (ACA). In 2019, he served as Oakland County’s Ambassador for ACA’s Real Men Wear Pink.
Matt has a Bachelor’s Degree from Michigan State University and a Master’s Degree from Cleveland State University. Matt lives in Rochester, Michigan with his wife of 18 years and their two children (15 & 11).
Matt is an active volunteer for several nonprofits focused on Diabetes (JDRF), Mental Health (AFSP), and Cancer Research (ACA). In 2019, he served as Oakland County’s Ambassador for ACA’s Real Men Wear Pink.
Securities Agent: SC, CT, MD, OR, NY, MI, ME, GA, TX, OH, NJ, ID, DC, AZ, VA, PA, NC, IN, IL, CO, NM, FL, WA, TN, SD, DE, LA, CA, KY, MA; General Securities Representative; Investment Advisor Representative
NMLS#: 2319515
NMLS#: 2319515
About Amanda Henderson
Amanda Henderson began her investment career in 2016 with Morgan Stanley as a financial planning specialist after graduating from Baker College with a Bachelor’s degree in business and marketing.
As a former women’s motocross professional, Amanda still enjoys watching sports and advocating for women in the community. She enjoys playing golf, gardening, traveling, and spending time with her husband and three children.
As a former women’s motocross professional, Amanda still enjoys watching sports and advocating for women in the community. She enjoys playing golf, gardening, traveling, and spending time with her husband and three children.
Securities Agent: SC, PA, NY, GA, TX, MI, ID, FL, CA, WA, NM, IN, CO, LA, CT, AZ, TN, NJ, NC, MA, VA, OH, KY, IL, DE, DC, SD, ME; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1608158
CA Insurance License #: 4298045
NMLS#: 1608158
CA Insurance License #: 4298045
About Logan Oates
Logan joined the Bluewater Group in 2021 and has quickly established himself as a dedicated and client focused professional. In his role as a Client Service Associate, he is committed to providing exceptional support to clients and seeking to ensure a seamless experience throughout their financial journey.
Logan plays a vital role in assisting the team with day-to-day operations, managing client accounts, and delivering personalized service. His attention to detail, problem solving skills and commitment to excellence make him a valued resource for clients and colleagues alike.
With a passion for building relationships and helping others achieve their financial goals, Logan strives to create a positive impact by addressing client needs promptly and efficiently. He is continuously expanding his knowledge to stay current in the ever-evolving financial industry.
Outside of work, Logan enjoys playing hockey and spending time with his family.
As a Client Service Associate, my goal is to not only effectively communicate your needs to the group, but to also provide the best customer service Morgan Stanley has to offer. I am often your first point of contact, coordinating daily tasks and projects so that your financial advisor can focus on what they do best.
By utilizing my knowledge and skills, I aim to build a lasting relationship with you as we seek to fortify your financial future.
Logan plays a vital role in assisting the team with day-to-day operations, managing client accounts, and delivering personalized service. His attention to detail, problem solving skills and commitment to excellence make him a valued resource for clients and colleagues alike.
With a passion for building relationships and helping others achieve their financial goals, Logan strives to create a positive impact by addressing client needs promptly and efficiently. He is continuously expanding his knowledge to stay current in the ever-evolving financial industry.
Outside of work, Logan enjoys playing hockey and spending time with his family.
As a Client Service Associate, my goal is to not only effectively communicate your needs to the group, but to also provide the best customer service Morgan Stanley has to offer. I am often your first point of contact, coordinating daily tasks and projects so that your financial advisor can focus on what they do best.
By utilizing my knowledge and skills, I aim to build a lasting relationship with you as we seek to fortify your financial future.
About Amy D. Irish
Amy brings over two decades of financial services experience to her role as a Wealth Management Associate. She began her career as a Personal Banker in 2001, where she developed a strong foundation in customer service and financial solutions. In 2012, Amy transitioned to private banking as a Client Service Associate, leveraging her deep experience to provide high touch service to high net worth clients. Her experience and commitment to excellence earned her the designation of Financial Planning Specialist, reflecting her ability to design and implement tailored financial solutions.
As a key member of the Bluewater Group, Amy seeks to ensure seamless operations, delivers sophisticated banking solutions, and helps clients navigate complex financial planning scenarios with confidence and ease.
Outside of work, Amy enjoys weightlifting, sports, and volunteers for both youth baseball and animal rescues.
As a key member of the Bluewater Group, Amy seeks to ensure seamless operations, delivers sophisticated banking solutions, and helps clients navigate complex financial planning scenarios with confidence and ease.
Outside of work, Amy enjoys weightlifting, sports, and volunteers for both youth baseball and animal rescues.
Contact Bruce A French
Contact Sandra E Lutkenhoff
Contact Matt Sebastian
Contact Amanda Henderson
Awards and Recognition
Forbes Best-In-State Wealth Management Teams
2023-2025 Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Five Star Wealth Advisor
This award was issued on 05/01/2025 by Five Star Professional (FSP) for the time period 08/21/2024 through 02/28/2025. Fee paid for use of marketing materials. Self-completed questionnaire was used for rating. This rating is not related to the quality of the investment advice and based solely on the disclosed criteria. 3715 Detroit-area wealth managers were considered for the award; 289 (8 % of candidates) were named 2025 Five Star Wealth Managers. The following prior year statistics use this format: YEAR: # Considered, # Winners, % of candidates, Issued Date, Research Period. 2024: 3,651, 278, 8%, 5/1/24, 9/5/23 - 2/29/24; 2023: 3,550, 312, 8.7%, 5/1/23, 9/5/22 - 3/3/23; 2022: 3273, 304, 9%, 5/1/22, 9/3/21 - 3/11/22; 2021: 3260, 275, 8%, 5/1/21, 8/10/20 - 3/19/21; 2020: 3105, 284, 9%, 5/1/20, 8/1/19 - 3/20/20; 2019: 2987, 347, 12%, 5/1/19, 8/21/18 - 3/19/19; 2018: 3069, 322, 10%, 5/1/18, 8/30/17 - 3/19/18; 2017: 1836, 356, 19%, 5/1/17, 8/24/16 - 2/24/17; 2016: 1961, 630, 32%, 4/1/16, 10/22/15 - 3/9/16; 2015: 2238, 627, 28%, 5/1/15, 10/22/14 - 3/9/15; 2014: 3448, 658, 19%, 5/1/14, 10/22/13 - 3/9/14; 2013: 2762, 749, 27%, 5/1/13, 10/22/12 - 3/9/13; 2012: 2658, 745, 28%, 5/1/12, 10/22/11 - 3/9/12. Wealth managers do not pay a fee to be considered or placed on the final list of Five Star Wealth Managers. The award is based on 10 objective criteria. Eligibility criteria - required: 1. Credentialed as a registered investment adviser (RIA) or a registered investment adviser representative; 2. Actively licensed as a RIA or as a principal of a registered investment adviser firm for a minimum of 5 years; 3. Favorable regulatory and complaint history review (As defined by FSP, the wealth manager has not; A. Been subject to a regulatory action that resulted in a license being suspended or revoked, or payment of a fine; B. Had more than a total of three settled or pending complaints filed against them and/or a total of five settled, pending, dismissed or denied complaints with any regulatory authority or FSP's consumer complaint process. Unfavorable feedback may have been discovered through a check of complaints registered with a regulatory authority or complaints registered through FSP's consumer complaint process; feedback may not be representative of any one client's experience; C. Individually contributed to a financial settlement of a customer complaint; D. Filed for personal bankruptcy within the past 11 years; E. Been terminated from a financial services firm within the past 11 years; F. Been convicted of a felony); 4. Fulfilled their firm review based on internal standards; 5. Accepting new clients. Evaluation criteria - considered: 6. One-year client retention rate; 7. Five-year client retention rate; 8. Non-institutional discretionary and/or non-discretionary client assets administered; 9. Number of client households served; 10. Education and professional designations. FSP does not evaluate quality of services provided to clients. The award is not indicative of the wealth manager's future performance. Wealth managers may or may not use discretion in their practice and therefore may not manage their clients' assets. The inclusion of a wealth manager on the Five Star Wealth Manager list should not be construed as an endorsement of the wealth manager by FSP or this publication. Working with a Five Star Wealth Manager or any wealth manager is no guarantee as to future investment success, nor is there any guarantee that the selected wealth managers will be awarded this accomplishment by FSP in the future. Visit www.fivestarprofessional.com.
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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
Sally A. Cholewka, CFP®
Financial Planning Director, Vice President
Joseph V. Portera
Private Banker
About Sally A. Cholewka
Sally A. Cholewka, CFP® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Southeast Michigan. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Sally began her career in Financial Services in 2010 and joined Morgan Stanley in 2021. Prior to her current position, she worked as Director of Financial Planning for a group of independent financial advisors affiliated with LPL Financial. Her role for over the last decade has been to facilitate retirement income planning, tax aware positioning and estate & legacy conversations.
Sally has held her Certified Financial Planner® designation since 2017. A graduate from the University of Iowa, she proudly identifies as a “Midwesterner”, having lived or worked in Iowa, Minnesota, Illinois and Michigan. She currently lives in Shelby Township, MI with her husband and daughter. Outside of work, Sally enjoys vacationing with her family, boating, and volunteering with the SIFMA Foundation’s “InvestWrite” national writing competition for elementary age children.
Sally began her career in Financial Services in 2010 and joined Morgan Stanley in 2021. Prior to her current position, she worked as Director of Financial Planning for a group of independent financial advisors affiliated with LPL Financial. Her role for over the last decade has been to facilitate retirement income planning, tax aware positioning and estate & legacy conversations.
Sally has held her Certified Financial Planner® designation since 2017. A graduate from the University of Iowa, she proudly identifies as a “Midwesterner”, having lived or worked in Iowa, Minnesota, Illinois and Michigan. She currently lives in Shelby Township, MI with her husband and daughter. Outside of work, Sally enjoys vacationing with her family, boating, and volunteering with the SIFMA Foundation’s “InvestWrite” national writing competition for elementary age children.
About Joseph V. Portera
Joseph Portera is a Private Banker serving Morgan Stanley Wealth Management offices in Michigan.
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.
Joseph began his career in financial services in 2002 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Commercial Lender and Market Director at JPMorgan Chase.
Joseph is a graduate of the Haworth College of Business at Western Michigan University where he received a Bachelor of Business Administration in Finance, and Keller Graduate School of Business where he received a Master’s in Business Administration in Finance & Accounting.
Joseph and his family currently reside in Grosse Pointe, Michigan. Outside of the office, he enjoys martial arts, skiing, tennis, 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.
Joseph began his career in financial services in 2002 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Commercial Lender and Market Director at JPMorgan Chase.
Joseph is a graduate of the Haworth College of Business at Western Michigan University where he received a Bachelor of Business Administration in Finance, and Keller Graduate School of Business where he received a Master’s in Business Administration in Finance & Accounting.
Joseph and his family currently reside in Grosse Pointe, Michigan. Outside of the office, he enjoys martial arts, skiing, tennis, and spending time with his family.
NMLS#: 1260889
Wealth Management
Global Investment Office
Portfolio Insights
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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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
529 Plans: A Powerful Tool to Save for Education
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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
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 Bluewater Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Alternative 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.
4Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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.
6Morgan 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
7Morgan 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.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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:
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER® and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Alternative 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.
4Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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.
6Morgan 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
7Morgan 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.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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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)
