Executive Director, Wealth Management, Wealth Advisor, Certified Wealth Strategist
Phone:
(703) 556-8109(703) 556-8109
The BMP Group at Morgan Stanley
Mike Baker, CRPC®, CEPA®Mil Parekh, CFP®, CPWA®Diane Kraft-Dziedzic, CFP®Benjamin Semmes, CFP®, QPFCFrancis N. Tran
Direct:
(703) 556-8176(703) 556-8176
Toll-Free:
(800) 336-0156(800) 336-0156
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
OUR STORY AND SERVICES
#26 Ranked Wealth Management Team in Virigina, Forbes Best In State Wealth Management Teams
"Planning is bringing the future into the present, so you can do something about it now."
- Allen Lakein, Author
As your life evolves, not only do your finances become more complex, but the opportunities for effectively managing your assets increase as well. Often, evaluating these opportunities and wisely choosing among them may require the time and experience of a skilled financial advisor – one who not only understands your specific challenges, but has access to customized programs that can be properly utilized to provide you with solutions.
At The BMP Group at Morgan Stanley, we are a seasoned advisory team whose diverse backgrounds, experience and knowledge reflect the unique financial circumstances of our clientele. We focus on what is most important to you and seek to provide the specialized skills, sophisticated strategies and world-class resources needed to make informed, confident decisions about your life, your family and your finances.
We believe comprehensive wealth planning means more than providing investment advice. It means helping you strengthen the financial independence you've worked your whole life to achieve. It means striving to ensure you have the means to pursue what's most important. And it means understanding you and your family as individuals with unique goals, values and circumstances so we may develop effective strategies on your behalf.
As our relationship grows, we hope you will come to regard us as trusted stewards of your wealth, here to help you make more informed decisions on any financial issue. We are committed to helping you preserve and build your wealth and will work to strengthen your family's financial security for generations to come.
Our Core Values:
- "Client First" Philosophy. Every decision we make will be focused on doing the right thing for you. We seek to help you simplify your financial life, offering the best solutions for your consideration.
- Respect and Courtesy. Integrity is critical in our practice, so is developing trust. You should expect the highest level of courtesy, respect and professionalism from each member of our team.
- Transparency. We believe it is important for you to always know where you stand. It is our responsibility to keep you informed and on target to achieving your goals.
- A Team Approach. As your financial advisors, we review your complete financial picture and help identify any gaps. When appropriate, we consult with key specialists to evaluate your challenges and devise specific recommendations.
- The Pursuit of Excellence. We concentrate on delivering thoughtful, comprehensive wealth planning that unites family members across generations and supports your financial goals.
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22–3/31/23. (https://lnkd.in/gkficgdB)
Services Include
- Financial PlanningFootnote1
- Wealth ManagementFootnote2
- Professional Portfolio ManagementFootnote3
- 401(k) Rollovers
- Estate Planning StrategiesFootnote4
- AnnuitiesFootnote5
- Life InsuranceFootnote6
- Long Term Care InsuranceFootnote7
- Cash Management and Lending ProductsFootnote8
- Executive Financial ServicesFootnote9
- Sustainable InvestingFootnote10
- Philanthropy
- Retirement PlanningFootnote11
- Alternative InvestmentsFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With Us
At The BMP Group, we are focused on helping you address life's key questions. We have cultivated skills in investment management, retirement planning and philanthropic services. Most importantly, we take pride in our ability to effectively communicate advanced concepts, putting them into action to help our clients achieve their goals and aspirations.
Our disciplined process has enabled us to develop a strong and active practice that works with a broad range of clients who need professional guidance on various activities, including the following:
- Financial Basics: We help our clients answer the toughest financial questions. This includes budgeting, reducing debt, managing assets, tax management, and much more. Our team works with clients to develop financial plans tailored to their needs and strategies to enhance the probability of realizing their goals.
- Life Events: Our team can help make sure clients approach a life changing event with confidence. Whether it be retirement, purchase of a home or other high value asset, loss of a loved one, or divorce, our team will guide you through it every step of the way.
- Eldercare: Eldercare can be a complex issue but we can help make it easier to understand. If you have questions about how Medicare works, what to look for in a nursing home, and what happens if you have to care for a loved one, our team can help you navigate these questions and find answers that work for you.
- Estate Planning Strategies: Proper estate planning is crucial to make sure your hard earned assets go to who you intend. Our team can help in formulating estate planning strategies and setting up your beneficiaries so your estate is in order.
Our Process
- DISCOVER: Our relationship begins with a thorough understanding of you – your needs, your lifestyle and family, and your goals for the future.
- CREATE: We work with you to develop a roadmap to help you achieve the outcomes you envision.
- ACT: Next, we can help you implement investment, retirement, trust services, lending, cash management and insurance solutions suited to your needs.
- ADJUST: Achieving your goals requires vigilance and flexibility. We'll help you monitor your performance and recommend adjustments as life evolves, markets and tax laws shift, and priorities change.
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.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Morgan Stanley strategists and experts as they discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Check Out The Latest Episode
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read The Latest Report
Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
Learn About Our Planning Tools
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read The Latest Report
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
Reserved Living & Giving
Reserved Living & Giving (RLG) is a tiered complimentary loyalty program that rewards our most valued clients. The program is designed to enhance our clients' lifestyle and relationship with the firm beyond traditional wealth management services.
Learn More About RLGAre You Prepared for the Future?
Regardless of what stage your life is in, moving ahead in your career, enjoying retirement or somewhere in between, The BMP Group can help you achieve your financial goals.
Do you want to purchase a vacation home, fund your children's or grandchildren's education, spend your retirement as you've dreamed, or all of the above? Together, you and The BMP Group can create a personalized and dynamic wealth management strategy to help you prepare for a successful financial future.
Financial planning is never a static process. Your concerns and life priorities are constantly changing which requires constantly evolving your plan. We engage in a holistic planning process that helps you identify what matters most whether that is buying a new home, funding higher education, financially protecting your family or planning a dream retirement. Planning for dream retirement means addressing common fears and concerns such as health care costs, outliving your money and determining the best time to file for Social Security benefits. With a personalized financial plan specifically tailored for you and your family, we help you chart a path forward and remain your partner along the way.
Do you want to purchase a vacation home, fund your children's or grandchildren's education, spend your retirement as you've dreamed, or all of the above? Together, you and The BMP Group can create a personalized and dynamic wealth management strategy to help you prepare for a successful financial future.
Financial planning is never a static process. Your concerns and life priorities are constantly changing which requires constantly evolving your plan. We engage in a holistic planning process that helps you identify what matters most whether that is buying a new home, funding higher education, financially protecting your family or planning a dream retirement. Planning for dream retirement means addressing common fears and concerns such as health care costs, outliving your money and determining the best time to file for Social Security benefits. With a personalized financial plan specifically tailored for you and your family, we help you chart a path forward and remain your partner along the way.
Why Do You Need a Financial Plan?
- Having a defined financial plan can help increase confidence
- Identifying your goals and having a plan can increase the chances of success
- You have a roadmap and we can help keep you accountable
- Having a financial plan can lead to better financial habits
- The BMP Group can focus on helping you reach your goals so you can worry less and live more
Our Credentials
2025 & 2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23–3/31/24
Recognition LinkLocation
1650 Tysons Blvd
Suite 1000
McLean, VA 22102
US
Direct:
(703) 556-8176(703) 556-8176
Toll-Free:
(800) 336-0156(800) 336-0156
Fax:
(703) 822-5952(703) 822-5952
Meet The BMP Group
Executive Director, Wealth Advisor, Senior Portfolio Management Director, Family Wealth Advisor
Phone:
(703) 556-8110(703) 556-8110
Phone:
(703) 556-8111(703) 556-8111
Francis N. Tran
Senior Registered Associate, Portfolio Associate
Phone:
(703) 556-8112(703) 556-8112
Lauris Norton
Client Service Associate
Phone:
(703) 556-8179(703) 556-8179
About Mike Baker
Michael Baker
Senior Vice President
Certified Wealth Strategist®
Wealth Advisor
Mike has dedicated his entire career to providing highly customized advice to individuals, families and business leaders in the greater Washington D.C. area and across the country. He delivers a personalized approach that includes a thorough planning process and a commitment to outstanding service. To Mike, the cornerstone of comprehensive wealth management begins with solid financial planning focused on achieving each client’s unique objectives.
Growing up with a deep interest in the stock market, Michael’s passion has always been to help people manage their money more effectively with the rise and fall of the market. Upon graduating from Old Dominion University, Mike began his career at Merrill Lynch’s Washington D.C. office in 1994. Three years later, he joined Morgan Stanley, where he later earned his Certified Wealth Strategist® designation. Mike takes pride in helping his clients oversee and manage their finances, so they may enjoy the wealth they have created. By advising them on how to navigate the most challenging of markets, he has earned the reputation of being a valued advisor.
Born and raised in Alexandria, VA, Mike now lives in Vienna with his wife, Rachel, and their daughter, Devon. His philanthropic interests include supporting John Hopkins Hospital, the National Kidney Foundation and a number of other local and national charities. In his free time, Michael enjoys golf, boating and spending time with his family at the beach.
NMLS#: 1261917
California Insurance Licensa Number #OG83053
Senior Vice President
Certified Wealth Strategist®
Wealth Advisor
Mike has dedicated his entire career to providing highly customized advice to individuals, families and business leaders in the greater Washington D.C. area and across the country. He delivers a personalized approach that includes a thorough planning process and a commitment to outstanding service. To Mike, the cornerstone of comprehensive wealth management begins with solid financial planning focused on achieving each client’s unique objectives.
Growing up with a deep interest in the stock market, Michael’s passion has always been to help people manage their money more effectively with the rise and fall of the market. Upon graduating from Old Dominion University, Mike began his career at Merrill Lynch’s Washington D.C. office in 1994. Three years later, he joined Morgan Stanley, where he later earned his Certified Wealth Strategist® designation. Mike takes pride in helping his clients oversee and manage their finances, so they may enjoy the wealth they have created. By advising them on how to navigate the most challenging of markets, he has earned the reputation of being a valued advisor.
Born and raised in Alexandria, VA, Mike now lives in Vienna with his wife, Rachel, and their daughter, Devon. His philanthropic interests include supporting John Hopkins Hospital, the National Kidney Foundation and a number of other local and national charities. In his free time, Michael enjoys golf, boating and spending time with his family at the beach.
NMLS#: 1261917
California Insurance Licensa Number #OG83053
Securities Agent: WV, GA, VA, OK, MI, DC, WA, PA, TN, OR, OH, HI, MO, CT, CA, VT, SC, NM, AZ, AL, NV, MN, IL, ID, TX, NY, NJ, NC, ME, NH, VI, UT, FL, DE, CO, MD, MA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1261917
CA Insurance License #: OG83053
NMLS#: 1261917
CA Insurance License #: OG83053
About Mil Parekh
Mil Parekh, CFP®
Executive Director
Portfolio Management Director
Family Wealth Advisor
With more than 17 years of wealth management experience, Mil has dedicated his entire career to providing customized advice and investment solutions to highly successful individuals, families, and business leaders. His disciplined approach is focused on helping his clients align their finances with their most important values and goals, so they can effectively grow, preserve, and transition their wealth.
Growing up in Lancaster, PA, Mil learned first-hand the power of having a strong financial advisor. His father, after emigrating from India, worked at a large corporation for many years. He invested significant assets in his 401(k), but then lost a good portion of it during the market crash of the late 1990s. This experience inspired Mil to pursue a profession that would help individuals and families make sound financial decisions. He set out to become a financial advisor, where he could educate his clients about important financial concepts and strategies and make a profound impact on the quality of their lives.
While earning his degree in Finance from George Washington University (GWU), Mil began his career at Morgan Stanley in 2000. Upon graduation, he joined the firm full-time and has been a valued member of the firm ever since. In 2007, he earned the distinguished CERTIFIED FINANCIAL PLANNER™ designation, demonstrating his commitment to helping clients address the complicated issues facing today’s high net worth families. He prides himself on his ability to put advanced financial planning concepts into action and works diligently to demystify the complexities of today’s financial markets. Mil has also been recognized as a Forbes Best in State Advisor, recognizing the top financial advisors in the state of Virginia, for 2019, 2022, and 2023.
Mil currently lives in Arlington, VA with his wife, Doreen, and their children, Dillon and Teddy. He serves as a professional mentor to current GWU undergraduate and graduate students. He also supports the philanthropic efforts of The Share & Care Foundation and is the treasurer and on the Board of Directors for The National Brain Tumor Society. When he’s not working directly with clients or actively volunteering, Mil enjoys coaching his children's' soccer teams, running, preparing for half-marathons, and playing tennis.
NMLS#: 1290500
CA Insurance #0G83197
2019, 2022, 2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019, 2022, 2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Executive Director
Portfolio Management Director
Family Wealth Advisor
With more than 17 years of wealth management experience, Mil has dedicated his entire career to providing customized advice and investment solutions to highly successful individuals, families, and business leaders. His disciplined approach is focused on helping his clients align their finances with their most important values and goals, so they can effectively grow, preserve, and transition their wealth.
Growing up in Lancaster, PA, Mil learned first-hand the power of having a strong financial advisor. His father, after emigrating from India, worked at a large corporation for many years. He invested significant assets in his 401(k), but then lost a good portion of it during the market crash of the late 1990s. This experience inspired Mil to pursue a profession that would help individuals and families make sound financial decisions. He set out to become a financial advisor, where he could educate his clients about important financial concepts and strategies and make a profound impact on the quality of their lives.
While earning his degree in Finance from George Washington University (GWU), Mil began his career at Morgan Stanley in 2000. Upon graduation, he joined the firm full-time and has been a valued member of the firm ever since. In 2007, he earned the distinguished CERTIFIED FINANCIAL PLANNER™ designation, demonstrating his commitment to helping clients address the complicated issues facing today’s high net worth families. He prides himself on his ability to put advanced financial planning concepts into action and works diligently to demystify the complexities of today’s financial markets. Mil has also been recognized as a Forbes Best in State Advisor, recognizing the top financial advisors in the state of Virginia, for 2019, 2022, and 2023.
Mil currently lives in Arlington, VA with his wife, Doreen, and their children, Dillon and Teddy. He serves as a professional mentor to current GWU undergraduate and graduate students. He also supports the philanthropic efforts of The Share & Care Foundation and is the treasurer and on the Board of Directors for The National Brain Tumor Society. When he’s not working directly with clients or actively volunteering, Mil enjoys coaching his children's' soccer teams, running, preparing for half-marathons, and playing tennis.
NMLS#: 1290500
CA Insurance #0G83197
2019, 2022, 2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2019, 2022, 2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: PA, DE, OR, OK, ME, CO, IL, VA, NM, TN, MA, CT, CA, VI, TX, NC, FL, WA, NV, GA, WV, MO, MD, ID, NY, NH, HI, AZ, VT, UT, NJ, DC, SC, OH, MN, MI; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1290500
CA Insurance License #: 0G83197
NMLS#: 1290500
CA Insurance License #: 0G83197
About Diane Kraft-Dziedzic
As a Financial Advisor, it is personally rewarding to help others to achieve their financial goals. Diane began her finance career after earning her Bachelor’s degree in Finance and Marketing from Boston University and her MBA in Finance from The University of Notre Dame. She started in corporate finance, working as a Financial Analyst and Portfolio Manager. Like many parents, she chose to take a career break to focus on her sons when they were young. During those years she worked part time and served on committees, worked at countless events and programs, and raised thousands of dollars for academic and sports organizations in Fairfax County.
Things changed when Diane’s husband, David, was diagnosed with brain cancer. When he passed, she was inspired to help protect others from facing some of the difficulties her family had experienced. She completed the Certified Financial Planner certificate program, passed the CFP Board exam, and relaunched her finance career with Morgan Stanley. For Diane, being a financial advisor is not only a career, but it has become a life calling.
Diane understands the importance of protecting and supporting one’s family. Family has always been the center of her life, including three wonderful sons and their dog. Beyond career and family, Diane is an active volunteer for Wings for Widows.
California Insurance License Number 4090448
NMLS ID #1456531
Things changed when Diane’s husband, David, was diagnosed with brain cancer. When he passed, she was inspired to help protect others from facing some of the difficulties her family had experienced. She completed the Certified Financial Planner certificate program, passed the CFP Board exam, and relaunched her finance career with Morgan Stanley. For Diane, being a financial advisor is not only a career, but it has become a life calling.
Diane understands the importance of protecting and supporting one’s family. Family has always been the center of her life, including three wonderful sons and their dog. Beyond career and family, Diane is an active volunteer for Wings for Widows.
California Insurance License Number 4090448
NMLS ID #1456531
Securities Agent: VA, TN, OR, NV, GA, VI, MO, ME, NY, NC, CA, CT, CO, WA, UT, SC, PA, OK, HI, DE, NM, MN, MA, ID, FL, AZ, TX, NH, DC, AR, VT, OH, IN, MS, MD, IL, NJ, MI, WV; General Securities Representative; Investment Advisor Representative
NMLS#: 1456531
CA Insurance License #: 4090448
NMLS#: 1456531
CA Insurance License #: 4090448
About Me
Benjamin (Ben) Semmes joined Morgan Stanley Wealth Management in June of 2022 after 10 years with another firm. His focus is on providing a customized, goals-based planning approach for his clients that emphasizes the importance of risk management, tactical asset allocation, tax-efficient investing, and asset preservation strategies. He is patient, informative, and transparent with his clients, firmly believing that a strong relationship with well-educated clients will foster the best investing decisions.
Ben grew up in the DC area, specifically from a farm in Loudoun County, Virginia and now resides in Arlington. A die hard Capitals fan, car enthusiast and foodie. Ben finds balance in his life through dedication to exercise, playing golf and can be found coaching and playing lacrosse, running with his black lab named Oshie or sweating it out at the local gym.
Ben holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification, a designation awarded by the Certified Financial Planner Board of Standards Inc.
Community involvement is an integral part of how he interacts with clients and communities. He is enthusiastically involved with volunteering and fundraising for organizations such as The Potomac Conservancy.
NMLS#: 1101118
Ben grew up in the DC area, specifically from a farm in Loudoun County, Virginia and now resides in Arlington. A die hard Capitals fan, car enthusiast and foodie. Ben finds balance in his life through dedication to exercise, playing golf and can be found coaching and playing lacrosse, running with his black lab named Oshie or sweating it out at the local gym.
Ben holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification, a designation awarded by the Certified Financial Planner Board of Standards Inc.
Community involvement is an integral part of how he interacts with clients and communities. He is enthusiastically involved with volunteering and fundraising for organizations such as The Potomac Conservancy.
NMLS#: 1101118
Securities Agent: ME, CO, VA, ID, VT, TN, NE, CA, OH, KY, DE, CT, AZ, NY, NV, IL, GA, FL, DC, WV, WI, VI, TX, NJ, WA, SC, OR, NM, NH, NC, MI, MD, IN, HI, MO, IA, AL, UT, MA, PA, OK, MT, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 1101118
NMLS#: 1101118
Contact Mike Baker
Contact Mil Parekh
Contact Diane Kraft-Dziedzic
Contact Benjamin Semmes
Wealth Management
From Our Team
You’re Ready for Retirement. Is Your Portfolio?
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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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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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 BMP 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 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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
4Morgan 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.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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
9Morgan 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.
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.
11When 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.
12Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
4Morgan 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.
5Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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
9Morgan 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.
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.
11When 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.
12Alternative 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.
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Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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Awards Disclosures
CRC 6491812 (04/2024)
