James Matthew Bopp
Executive Director, Financial Advisor, Senior Portfolio Management Director
Phone:
(916) 797-7711(916) 797-7711
The Bopp Montalvo Group at Morgan Stanley
Direct:
(916) 797-7760(916) 797-7760
Toll-Free:
(866) 934-6031(866) 934-6031
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals.
We Provide Solutions
Our highest priority is to protect and grow the wealth you have created, and to help you and your family or organization maintain unity as you pass both assets and values across generations. We accomplish this through our time-tested analysis:
(1) Cash Flow Analysis | Examining how and where investors generate and spend capital over a period of time. Think inflows vs. outflows – are you running a surplus or deficit?
(2) Risk Appetite Analysis | Gauging past investment experience, future market expectations and your mentality toward loss to interpret your appetite for investment risk.
(3) Risk vs Return Analysis | Calculating the potential success of your overall investment objectives. For example, can you get from point A to point B when using the findings from our Cash Flow Analysis and Risk Appetite Analysis? If not, we present the solutions to help you get there.
For All Investors
- Institutional | Businesses & Corporations rely on us to help develop and manage their corporate retirement plan and certain cash management services, while helping optimize the benefits to their employees and senior executives.
- Institutional | Nonprofit Organizations and Foundations work closely with us to define and align their investment strategies and cash flow so they not only support and deliver their organizations’ mission and values, but achieve necessary sustainable goals and objectives.
Services Include
- Professional Portfolio ManagementFootnote1
- Wealth ManagementFootnote2
- Financial PlanningFootnote3
- Retirement PlanningFootnote4
- 401(k) Rollovers
- Business PlanningFootnote5
- Business Succession PlanningFootnote6
- Qualified Retirement PlansFootnote7
- Sustainable InvestingFootnote8
- Estate Planning StrategiesFootnote9
- Trust AccountsFootnote10
- Cash Management and Lending ProductsFootnote11
- Philanthropic ManagementFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Where We Fit In
Managing family wealth is like running a company - you need a strategy to help manage assets and mitigate risks. Bridging the gap between private wealth and investment management services, we work with owners and founders striving to accelerate growth and develop robust succession plans. We help manage the entire process by leveraging some of the top research and investment management resources in the industry.
- The difference between incentive and non-qualified stock options, as well as restricted stock awards and units.
Planning for the Unplanned
Events such as death, disability, or retirement of a business owner don't have to mean the end of a successful business. Succession planning can provide for an orderly transition of ownership and business management during lifetime or at death. There are various options for structing and funding buy-sell agreements, key employee needs, and other executive benefits programs.
Transaction of a Lifetime
Creating and growing a successful business is seldom just about money, nor is the decision to exit the business. Whether that exit is through IPO, merger with another company, private sale, or succession within the family, the process is intense, the details are complex, and the decisions are often an unexpected combination of personal and financial needs. Morgan Stanley has been helping business owners like you bring clarity and confidence to what is typically a once-in-a-lifetime event.
Understanding Your Equity Awards
How performance shares work:
Concentrated Stock and Options Analysis
Designed for executives who have significant wealth in stock and options of their company, the Concentrated Stock and Options Analysis illustrates various valuations of holdings as well as hypothetical diversification scenarios.
10b5-1 Plans
As a corporate executive, you may be aware of material non-public information at any time and can also face company-imposed quarterly or specific blackout periods restricting market access to trading your company stock. A 10b5-1 plan is designed to address these issues. By utilizing a 10b5-1 plan, you can gain an affirmative defense against claims of insider trading. Your plan can include tailored trading schedules that coordinates with your personal need for liquidity and your own timing requirements.
Family Office Resources
Morgan Stanley Family Office Resources provides specialized, technical expertise to select clients across a broad range of family wealth management issues. Our core capabilities span three complimentary areas of focus including Governance & Legacy, Wealth Strategies and Signature Access.
Managing Assets & Liabilities
Following a thorough discovery and ongoing review process, we identify the areas in which we can provide a high level of service and analytical financial management framework. This cultivates a personalized and comprehensive wealth strategy that centers on growing your wealth by managing both sides of your balance sheet. Below are the major areas we target when working with investors:
Tactical Portfolio Management
Active investing is at the heart of Bopp Montalvo Group. We believe an overly active trading strategy has inconsistent proof of being neither effective nor prudent while a buy and hold approach to investing can be equally inefficient. Rather we feel a targeted tactical approach to investing, which consists of constant monitoring of the specific investments as well as asset allocation percentage changes, is extremely important. This results in occasional and periodic asset replacement and market navigation with cash.
Tax Management Awareness
It is important to understand how taxes can affect after-tax returns on a basic level. It is widely understood that the realization of gains and payment of taxes will ultimately have an impact on the ending value of the investment portfolio, but by how much? Tax-Efficiency and Active Tax-Loss Harvesting are prominent strategies targeted at minimizing these costs. This can be accomplished through proper asset allocation, calculated liquidation strategies across various holdings, tactical distributions and many more insights.
Cash Flow & Risk Analysis
Budgeting can be the simplest of tasks and helps create a foundation in financial management, but often gets forgotten. Start with a focus on inflows vs. outflows. Specifically, what are the planned contributions and distributions? By identifying the cash flows, your forecasted risk can be prudently determined. Forecasted risk is a combination of calculated risk and behavioral risk which pinpoints an appropriate framework for asset allocation and behavioral finance tendencies. These pillars will help you keep short-term and long-term objectives equally in the limelight.
Debt & Cash Management
We are advocates of open architecture strategies because of the benefits they can provide for the longevity of your assets. When paired with our tactical portfolio management, resourceful and flexible private banking solutions can improve the positioning across your accounts and, ultimately, increase the efficiency and effectiveness of compounded growth of the overall portfolio.
Strategic Financial & Legacy Planning
Applying sophisticated analytical tools, models and applications, we are able to produce quantitative analysis of complex situations and scenarios. This helps quantify the implications of taking various courses of action, helping you make clear and informed decisions and ultimately solving the complex financial planning challenges you and your legacy can face. We work with you and your attorneys to help ensure your estate plan is aligned with your values and your aspirations for the next generation.
Charitable Giving
Collaborating with your legal and tax advisors, we can help integrate charitable giving or philanthropy into your wealth plan so you may enhance the impact within your community and organizations. We are there at each stage to better define your mission and values as we create a sustainable and effective charitable or philanthropic strategy throughout your life.
Family Governance and Wealth Education
We strive to maximize family wealth education, making it more likely that all members of your family will have the foundation they need to lead meaningful, fulfilled and engaged lives. This includes the dynamics of intergenerational wealth transfer and, when needed, providing personalized wealth education to prepare younger generations to be stewards of the wealth they will inherit. Please view our “Commitment to Education” Section
Business Succession
Exiting your company in a way that supports your financial objectives, preserves business value and positions your wealth to potentially achieve your legacy and multigeneration goals takes careful planning that begins years and many months in advance. We assist at each stage of the process, helping you map and illustrate issues against your current timeline, all while working with your outside advisors to help ensure that you are properly positioned to help minimize taxes from the transaction.
Sharing Our Knowledge on the Global Markets
We provide weekly investor calls, monthly investor study groups, financial management and investment management workshops, and ad hoc market commentary.
We believe this platform allows for better insights into investment strategy and discipline, and ultimately, accelerating financial effectiveness. We are committed to providing you with important information about managing your wealth more successfully in today’s global markets.
Use the “Contact Us” button if you would like more information on the following opportunities.
We believe this platform allows for better insights into investment strategy and discipline, and ultimately, accelerating financial effectiveness. We are committed to providing you with important information about managing your wealth more successfully in today’s global markets.
Use the “Contact Us” button if you would like more information on the following opportunities.
The Weekly-45 Series | Every Monday
Our group discusses and analyzes ongoing developments in the economy and capital markets, while emphasizing timely investment ideologies for investors.
The 1% Move Report | Ad Hoc
This report is produced and released on the event of a 1% +/- move in the market, which is calculated based on the open to close on the S&P 500. It shares timely commentary summarizing “what happened” alongside identifying the major catalysts behind the intra-day market moves.
Thoughts on the Market Podcast
With perspectives on the forces shaping the market, join Morgan Stanley's Chief Investment Officer and Chief US Equity Strategist as he and his colleagues discuss their viewpoints regarding the latest trends in the financial marketplace.
Listen Here
2024 Federal Tax Tables
This document outlines the 2024 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
View 2024 Federal Tax Tables2025 Federal Tax Tables
This document outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
View 2025 Federal Tax TablesFast. Convenient. Secure. Simple.
With dual-factor authentication, using our platform is secure and efficient. Morgan Stanley and your financial world will be at your fingertips, allowing 24/7 access to your investments and everyday finances.
Morgan Stanley Online (MSO)
Beyond viewing your account balance and activity, Morgan Stanley Online (MSO) has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with eAuthorizations.
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Morgan Stanley Mobile App
Access your account wherever, whenever using the Morgan Stanley Mobile App. It gives you the same capabilities as Morgan Stanley Online from the convenience of your phone or tablet.
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eAuthorization (eAuth)
Authorize financial transactions electronically, quickly and securely through the Morgan Stanley Mobile App or MSO. With eAuthorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a money movement request.
How to Enroll
eSign
E-Sign is a digital, paperless alternative to the traditional means of obtaining signatures on paperwork. There is no registration process for you to begin using E-Sign. All you need is a valid email address and phone number
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eDelivery
E-Delivery allows you to securely save, print, send, and receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App.
Start Sending Securely
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows you to build a central, shared document library where a documents are stored using encryption.
Start a Digital Library
Total Wealth View
The ability to view all of your assets and liabilities together, whether held at Morgan Stanley or elsewhere, enables us to advise with your entire financial picture in mind.
Start Viewing All Your Finances at Once
Zelle
Send money with Zelle, is a fast, safe and easy way to send and receive money with almost anyone you know and trust. All you need is their phone number or email address, allowing you to send and receive money within minutes.
Learn All The FeaturesSpending & Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool.
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MS Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
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Cyber Security Resources
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 MoreLocation
1478 Stone Point Dr
Suite 500
Roseville, CA 95661
US
Direct:
(916) 797-7760(916) 797-7760
Toll-Free:
(866) 934-6031(866) 934-6031
Meet The Bopp Montalvo Group
Brandon Montalvo, MBA, CEPA
Senior Vice President, Financial Advisor, Portfolio Management Director, Financial Planning Specialist
Phone:
(916) 788-9410(916) 788-9410
Joshua Thaler
Assistant Vice President, Group Director, Financial Planning Associate
Phone:
(916) 797-7721(916) 797-7721
Sarah L. Miller
Senior Registered Client Service Associate
Phone:
(916) 797-7781(916) 797-7781
About James Matthew Bopp
James Matthew Bopp
Financial Advisor
Executive Director
Senior Portfolio Management Director
Matt began his career as a financial advisor in 2006 and was competitively recruited to Morgan Stanley in 2012. He has a passion for economics, investments, and world events, earning his Bachelor of Arts degree in Economics from the University of California, Davis, and also serving as an Infantry Team Leader in the United States Army in multiple combat deployments.
Matt’s focus for the group is in four main areas: communicating the team’s investment outlook, positioning, and strategies to clients and the public; understanding each client’s financial position, needs and objectives, and identifying any issues or opportunities to improve client outcomes; advising on equity and fixed income selection, asset allocation modeling, and portfolio construction; continual monitoring of performance and changes in client needs.
Financial Advisor
Executive Director
Senior Portfolio Management Director
Matt began his career as a financial advisor in 2006 and was competitively recruited to Morgan Stanley in 2012. He has a passion for economics, investments, and world events, earning his Bachelor of Arts degree in Economics from the University of California, Davis, and also serving as an Infantry Team Leader in the United States Army in multiple combat deployments.
Matt’s focus for the group is in four main areas: communicating the team’s investment outlook, positioning, and strategies to clients and the public; understanding each client’s financial position, needs and objectives, and identifying any issues or opportunities to improve client outcomes; advising on equity and fixed income selection, asset allocation modeling, and portfolio construction; continual monitoring of performance and changes in client needs.
Securities Agent: MI, ID, OR, MT, FL, WY, OH, NV, AZ, WA, TN, HI, TX, PA, NC, MN, DE, CA, NY, NM, AL, VA, OK, MD, MA, UT, SC, NH, GA, CO, MO, AK, NE; General Securities Representative; Investment Advisor Representative
NMLS#: 1390885
CA Insurance License #: 0F17164
NMLS#: 1390885
CA Insurance License #: 0F17164
About Brandon Montalvo, MBA
Brandon is responsible for representing The Bopp Montalvo Group in the community, sharing our passion for education and providing financial solutions. Brandon is positioned through several non-profit and civic organizations in the area which allows him to identify many of the current concerns and topics investors are experiencing. He has been in the financial services industry for over 8 years helping clients.
Combining Brandon’s current experiences and community duties, The Bopp Montalvo Group gains a unique and ever-changing perspective on the industry, from a personal and institutional level. This enables us to best execute and constantly critique our mission of delivering a high quality of client service.
Brandon graduated Summa Cum Laude with a Masters of Business Administration with a concentration in Finance from the University of Central Arkansas. While attending college, Brandon was a scholarship baseball athlete. He continued to play professionally with the San Rafael Pacific’s in Marin County. He was also drafted by the Colorado Rockies in 2012. He now enjoys golfing, camping and impacting his new community.
Combining Brandon’s current experiences and community duties, The Bopp Montalvo Group gains a unique and ever-changing perspective on the industry, from a personal and institutional level. This enables us to best execute and constantly critique our mission of delivering a high quality of client service.
Brandon graduated Summa Cum Laude with a Masters of Business Administration with a concentration in Finance from the University of Central Arkansas. While attending college, Brandon was a scholarship baseball athlete. He continued to play professionally with the San Rafael Pacific’s in Marin County. He was also drafted by the Colorado Rockies in 2012. He now enjoys golfing, camping and impacting his new community.
Securities Agent: WA, AR, NE, HI, NH, DE, UT, TX, NY, SC, PA, MO, AL, VA, NV, MD, MA, OK, NC, MI, FL, AZ, AK, TN, OR, MT, ID, WY, GA, OH, NM, MN, CO, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1817715
CA Insurance License #: 0M69827
NMLS#: 1817715
CA Insurance License #: 0M69827
About Joshua Thaler
Josh has been with The Bopp Montalvo Group since 2013 and has been in the financial services industry for over 19 years. He is instrumental in building trust and long-lasting relationships between our clients and our group. He focuses on providing solutions and operational support for our clients, as well as assisting in financial planning, portfolio reviews and model changes for the advisors. Josh is Series 7, Series 66, Series 9 & 10 and California Insurance registered.
Josh was born and raised in Minnesota, and after moving to Southern California in 2003 he decided to make Sacramento his home in 2008. In his spare time he enjoys being outdoors, home renovations, traveling and spending time with his husband, daughter, and their pets.
Direct: 916-797-7721
Fax: 916-273-3069
E-mail: Joshua.thaler@morganstanley.com
Josh was born and raised in Minnesota, and after moving to Southern California in 2003 he decided to make Sacramento his home in 2008. In his spare time he enjoys being outdoors, home renovations, traveling and spending time with his husband, daughter, and their pets.
Direct: 916-797-7721
Fax: 916-273-3069
E-mail: Joshua.thaler@morganstanley.com
CA Insurance License #: 0H07662
About Sarah L. Miller
Sarah has worked in financial services since 2018 and has been with Morgan Stanley since 2021. She joined The Bopp Montalvo Group in 2023. On the team, she focuses on ensuring that all operational needs of our clients are met; and assists the team with portfolio changes and trade requests. Sarah is also both Series 7 and Series 66 registered.
Sarah is a Northern California native and graduated with her B.S. in Accounting and Finance from Wilmington University. In her free time, she enjoys spending time with family and friends, going to country concerts, cooking, trying new restaurants, and taking her dog on adventures.
Direct: 916-797-7781
Fax: 916-273-3164
Email: sarah.miller1@morganstanley.com
Sarah is a Northern California native and graduated with her B.S. in Accounting and Finance from Wilmington University. In her free time, she enjoys spending time with family and friends, going to country concerts, cooking, trying new restaurants, and taking her dog on adventures.
Direct: 916-797-7781
Fax: 916-273-3164
Email: sarah.miller1@morganstanley.com
Contact James Matthew Bopp
Contact Brandon Montalvo, MBA
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
Sue Callantine
Private Banker
Kevin Cueva
Associate Private Banker
About Sue Callantine
Sue Callantine is a Private Banker serving Morgan Stanley Wealth Management offices in California.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Sue began her career in financial services in 1997, and joined Morgan Stanley in 2019 as a Private Banker. Prior to joining the firm, she was a Private Banker at Bank of the West. She also served as a Private Banker at Wells Fargo Bank, N.A. and Bank of America.
Sue is a graduate of the University of Alaska Anchorage, where she received a Bachelor of Business Administration in Management. She lives in Orangevale, California with her husband. Outside of the office, Sue enjoys gardening, reading and traveling. She also serves on the Hope Gala Board of Ambassadors for the American Cancer Society.
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.
Sue began her career in financial services in 1997, and joined Morgan Stanley in 2019 as a Private Banker. Prior to joining the firm, she was a Private Banker at Bank of the West. She also served as a Private Banker at Wells Fargo Bank, N.A. and Bank of America.
Sue is a graduate of the University of Alaska Anchorage, where she received a Bachelor of Business Administration in Management. She lives in Orangevale, California with her husband. Outside of the office, Sue enjoys gardening, reading and traveling. She also serves on the Hope Gala Board of Ambassadors for the American Cancer Society.
NMLS#: 619891
About Kevin Cueva
Kevin Cueva is an Associate Private Banker serving Morgan Stanley Wealth Management offices in California and Hawaii.
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.
Kevin began his career in financial services in 2012, and joined Morgan Stanley in 2022 as an Associate Private Banker. Prior to joining the firm, he was a Private Client Advisor at JP Morgan Chase.
Kevin is a graduate of the University of California, Davis, where he received a Bachelor of Arts in Communications. He lives in Oakland, California with his family. Outside of the office, Kevin enjoys traveling and playing sports.
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.
Kevin began his career in financial services in 2012, and joined Morgan Stanley in 2022 as an Associate Private Banker. Prior to joining the firm, he was a Private Client Advisor at JP Morgan Chase.
Kevin is a graduate of the University of California, Davis, where he received a Bachelor of Arts in Communications. He lives in Oakland, California with his family. Outside of the office, Kevin enjoys traveling and playing sports.
NMLS#: 949442
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?
Article Image
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
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Bopp Montalvo Group today.
1Morgan 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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
4When 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.
5Morgan 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.
6Morgan 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.
7When 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.
8The 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.
9Morgan 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.
10Morgan 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.
11Morgan 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
12Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan 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.
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
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
4When 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.
5Morgan 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.
6Morgan 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.
7When 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.
8The 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.
9Morgan 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.
10Morgan 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.
11Morgan 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
12Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan 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.
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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:
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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.
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.
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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)
