Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(617) 570-9505(617) 570-9505
The Boston Collective Group at Morgan Stanley
Our Mission Statement
Our mission is to deliver experience, intellectual capital, and dedicated service to help you reach your life goals.
What We Do:
Our mission is simple: to empower our clients with personalized advice that helps them exceed their financial objectives and unlock the full potential of their balance sheets.
Based in Boston, our diverse and knowledgeable wealth management team has earned the trust of affluent individuals, multi-generational families, corporations, foundations, and endowments across the world. We guide our clients through time constraints, financial challenges, and evolving economic landscapes to help them remain confident in achieving their objectives.
Our team combines a diverse set of talents with a commitment to offer excellent client service, tailored financial planning, thoughtful asset allocation, and up-to-date industry expertise. Most importantly, we build deep, personal connections, taking the time to truly understand our clients and what will help them grow and thrive.
To achieve this, we focus on three main goals:
1. Delivering expert financial analysis by leveraging our digital tools
2. Assisting our clients in achieving short - and long-term goals
3. Developing strategic partnerships with professionals to meet our clients' needs
At the Boston Collective Group, we simplify your financial matters so you can remain focused on the people, projects, and causes that matter most.
Based in Boston, our diverse and knowledgeable wealth management team has earned the trust of affluent individuals, multi-generational families, corporations, foundations, and endowments across the world. We guide our clients through time constraints, financial challenges, and evolving economic landscapes to help them remain confident in achieving their objectives.
Our team combines a diverse set of talents with a commitment to offer excellent client service, tailored financial planning, thoughtful asset allocation, and up-to-date industry expertise. Most importantly, we build deep, personal connections, taking the time to truly understand our clients and what will help them grow and thrive.
To achieve this, we focus on three main goals:
1. Delivering expert financial analysis by leveraging our digital tools
2. Assisting our clients in achieving short - and long-term goals
3. Developing strategic partnerships with professionals to meet our clients' needs
At the Boston Collective Group, we simplify your financial matters so you can remain focused on the people, projects, and causes that matter most.
Services Include
- Alternative InvestmentsFootnote1
- Business PlanningFootnote2
- Cash Management and Lending ProductsFootnote3
- Estate Planning StrategiesFootnote4
- Executive Financial ServicesFootnote5
- Financial PlanningFootnote6
- Life InsuranceFootnote7
- Philanthropic ManagementFootnote8
- Professional Portfolio ManagementFootnote9
- Retirement PlanningFootnote10
- Stock Plan ServicesFootnote11
- Sustainable InvestingFootnote12
- Trust ServicesFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
WHY WORK WITH THE BOSTON COLLECTIVE GROUP?
Managing wealth is complex and challenging. Our team can reduce stress by providing resources and thoughtful guidance to assist in financial decision-making.
- Morgan Stanley Online
- MSO Mobile App
- E-delivery, E-Sign and E-authorization
- Digital Vault
- Performance Risk Platform
- Asset allocation
- Portfolio construction
- Risk management
- Alternative investment selection
- Liquidity Planning
- Education
- Life Transitions
- Retirement Planning
- Estate Planning
- Philanthropic Management
- Trusted confidents
- Responsive and available
- Steady guides, helping our clients navigate financial ups and downs with confidence
- Insightful advisors, sharing fresh market perspectives
- Personally invested, taking the time to truly understand your life and goals
Our Tools
Morgan Stanley's cutting edge-tools make modern wealth management simpler and more accessible around the world.
Investment Strategy
Our team's strategy is tailored to your goals and risk tolerance. We offer up-to-date industry knowledge and expertise including:
Financial Planning
At the Boston Collective Group, we understand the importance of relationships and fostering trust within our clients. We grow with our clients by guiding them every step of the way through life's financial decisions.
High Class Service Model
At the Boston Collective Group, our clients come first. Our advisors respond quickly to address your needs, challenges, and new developments. We are:
A FINANCIAL PLAN MADE FOR YOU
Our wealth management process begins with you, your investment objectives and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life - your investments and your cash management needs - making sure they align with your goals and wealth management plan.
Using a suite of tools that includes goal-specific analysis, we can work together to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs. The following resources below will introduce you to a few of the tools that we use, please click to learn more about topics impacting your wealth.
Using a suite of tools that includes goal-specific analysis, we can work together to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs. The following resources below will introduce you to a few of the tools that we use, please click to learn more about topics impacting your wealth.
Morgan Stanley Wealth Management
Morgan Stanley Wealth Management provides exclusive access to vast resources, combined with our unique capabilities, gives us the means to support your goals at every life stage. Our commitment to building, preserving and managing the wealth of our clients forms the foundation of everything we do.
Morgan Stanley Wealth ManagementLifeView - Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual’s financial life, including investments and cash management needs.
LifeView Client Profile FormGoals Planning System
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
Click to learn moreSpending and Budgeting Tool
One way to manage savings is by using Morgan Stanley’s Spending and Budgeting tool. These tools help advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
Start Using the Tool TodayRetirement Planning
It’s important to determine how much money you may need to save for a comfortable retirement. Here are three strategies that can help you optimize your 401(k) plan.
Explore potential optionsStrategy - Intelligent Withdrawals
Building wealth is a means to an end. Taxes can eat up a significant portion of your assets upon withdrawal. This is why it's vital to look at your entire portfolio and coordinate liquidation to help reduce the impact of taxes and potentially improve investment results.
View Tax-Aware Strategies HerePortfolio Risk Platform
The Portfolio Risk Platform helps you and your Financial Advisor quantify risk, hypothetically stress test your portfolio, and evaluate potential portfolio changes.
Learn More HereThe Boston Collective Group aims to empower diverse and marginalized groups with the tools, knowledge, and guidance they need to take charge of their businesses, build wealth, and make confident financial decisions.
Supporting Black Entrepreneurs Through the Pandemic
Morgan Stanley Chairman and CEO James Gorman interviews Carver Federal Savings Bank CEO Michael Pugh about the state of minority-owned businesses in this time of crisis.
Learn more
Morgan Stanley Inclusive & Sustainable Ventures
We provide early-stage innovators with access to capital and resources to help them develop and scale. Our mission is to foster a more equitable and sustainable investment landscape.
Learn more
Advancing Racial Equity Through Your Investments
Investors now have a variety of intentional investing approaches to pursue a more inclusive society, as well as their financial goals.
Learn more
Taking Control of Your Finances After the Death of a Spouse: A Guide for Women
Financial planning after a death can be trying, but the right approach and advice can make things easier during this difficult time.
Learn moreLocation
28 State Street 35th
Fl
Boston, MA 02109
US
Direct:
(617) 570-9536(617) 570-9536
Meet The Boston Collective Group
First Vice President, Financial Advisor, International Client Advisor, Alternative Investments Director
Phone:
(617) 478-6496(617) 478-6496
Tyler Desmond, CFA®, CFP®
Wealth Management Associate
Phone:
(617) 570-9535(617) 570-9535
Joseph Neri
Registered Client Service Associate
Phone:
(617) 478-6597(617) 478-6597
About Michael Douvadjian
Michael has over 35 years of experience in the financial services industry. He developed his advisory business in Boston, MA at Merrill Lynch and UBS before joining Morgan Stanley in 2021. Michael was a Captain in the United States Air Force and has an undergraduate degree in Civil Engineering from UMASS Amherst. After military service, he received a Master’s in Business Administration from the University of Maine. He continued his professional education earning designations in financial planning, life insurance, and wealth management.
Michael is deeply involved in his community and dedicated to advancing civic and educational causes. He co-founded Edvestors to help improve public education and serves on the board of the Augustus White Institute for Healthcare Equity. He chairs the Investment Committee for the Francis Ouimet Scholarship Fund and is an investment committee member of Squashbusters. Michael also serves on the Board of Home Base and has previously held board roles with Chestnut Hill School, Boston Arts Academy, and Inversant.
Michael resides in Weston, MA with his wife Lynne. He loves spending time on the golf course and watching his grandson Jayson play basketball.
Michael is deeply involved in his community and dedicated to advancing civic and educational causes. He co-founded Edvestors to help improve public education and serves on the board of the Augustus White Institute for Healthcare Equity. He chairs the Investment Committee for the Francis Ouimet Scholarship Fund and is an investment committee member of Squashbusters. Michael also serves on the Board of Home Base and has previously held board roles with Chestnut Hill School, Boston Arts Academy, and Inversant.
Michael resides in Weston, MA with his wife Lynne. He loves spending time on the golf course and watching his grandson Jayson play basketball.
Securities Agent: MN, IL, CT, TN, FL, PA, ME, MA, VT, RI, MI, DC, TX, SC, PR, AK, WA, NY, NV, MD, CO, CA, WV, WI, GA, VA, UT, SD, NJ, NH, NE, DE, AZ, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 1630743
NMLS#: 1630743
About Jennifer Y. Yang
Jennifer is a Financial Advisor, International Client Advisor, and Alternative Investments Director at Morgan Stanley Wealth Management in Boston, MA.
As a seasoned global financial services professional with over 20 years of institutional investment, client service, and consulting experience, Jennifer is passionate about providing exceptional client service with personalized attention to financially established individuals and families, both domestically and internationally.
In her role, Jennifer helps her clients achieve their financial goals by leveraging the best investment platform Morgan Stanley offers, particularly in the alternative investment space. Her areas of focus are investment management, equity compensation, retirement planning, and estate planning including cross boarder wealth transfer and tax management. Working closely with a seasoned team of professionals and the robust resources across all functions within Morgan Stanley, Jennifer is also keen on finding solutions to meet her clients’ needs, which includes cash management, 401K plans, executive benefit and equity services, investment banking, and private equity and credit solutions to corporate clients. She is an invaluable asset to her team and each of her clients.
Prior to joining Morgan Stanley, Jennifer worked for over a decade at Wellington Management Company, one of the largest global asset managers. While at Wellington, she served within the Global Relationship Group, as a relationship manager, responsible for a broad range of client service needs for a group of the firm’s largest and most sophisticated Asian clients.
Before her time at Wellington, Jennifer worked as a senior consultant in the Financial Services Advisory Practice of Ernst & Young in Boston, a portfolio analyst at Brookfield Asset Management in Canada, and a financial analyst at The Hathaway Corporation in Canada. She started her career as an equity investment analyst at Jardine Fleming Investment (now JP Morgan) in China.
Jennifer earned her MBA with concentrations in finance and strategic management from York University (Schulich School of Business) in Toronto, Canada, and her BA from Shanghai University. Additionally, she holds the Chartered Financial Analyst designation.
Jennifer grew up in China and is a native mandarin speaker. In her free time, Jennifer enjoys playing badminton, table tennis, hiking, fishing, traveling, playing cards, and watching movies with her family and friends.
As a seasoned global financial services professional with over 20 years of institutional investment, client service, and consulting experience, Jennifer is passionate about providing exceptional client service with personalized attention to financially established individuals and families, both domestically and internationally.
In her role, Jennifer helps her clients achieve their financial goals by leveraging the best investment platform Morgan Stanley offers, particularly in the alternative investment space. Her areas of focus are investment management, equity compensation, retirement planning, and estate planning including cross boarder wealth transfer and tax management. Working closely with a seasoned team of professionals and the robust resources across all functions within Morgan Stanley, Jennifer is also keen on finding solutions to meet her clients’ needs, which includes cash management, 401K plans, executive benefit and equity services, investment banking, and private equity and credit solutions to corporate clients. She is an invaluable asset to her team and each of her clients.
Prior to joining Morgan Stanley, Jennifer worked for over a decade at Wellington Management Company, one of the largest global asset managers. While at Wellington, she served within the Global Relationship Group, as a relationship manager, responsible for a broad range of client service needs for a group of the firm’s largest and most sophisticated Asian clients.
Before her time at Wellington, Jennifer worked as a senior consultant in the Financial Services Advisory Practice of Ernst & Young in Boston, a portfolio analyst at Brookfield Asset Management in Canada, and a financial analyst at The Hathaway Corporation in Canada. She started her career as an equity investment analyst at Jardine Fleming Investment (now JP Morgan) in China.
Jennifer earned her MBA with concentrations in finance and strategic management from York University (Schulich School of Business) in Toronto, Canada, and her BA from Shanghai University. Additionally, she holds the Chartered Financial Analyst designation.
Jennifer grew up in China and is a native mandarin speaker. In her free time, Jennifer enjoys playing badminton, table tennis, hiking, fishing, traveling, playing cards, and watching movies with her family and friends.
Securities Agent: NE, FL, CA, WA, SD, NY, TX, NV, NJ, NH, GA, PR, RI, MN, IL, DC, AK, WI, NC, TN, MI, CT, AZ, WV, DE, VT, VA, PA, ME, MD, UT, SC, MA; General Securities Representative; Investment Advisor Representative
NMLS#: 1951665
NMLS#: 1951665
About Shaylyn Sullivan
Shaylyn leads the team in financial planning and managing client relationships. Prior to joining the firm, Shaylyn began her career in financial services with Bank of America/Merrill Lynch with years of experience in client account management, banking, financial planning and advising. Shaylyn holds her Certified Retirement Planning Counselor (CRPC®) and Qualified Plan Financial Consultant (QPFC®) designations which allows her to help clients build a roadmap of their long-term financial picture.
Shaylyn attended Providence College where she earned her Bachelor of Arts in Business Marketing. She is a Connecticut native and currently resides in the Back Bay area of Boston, MA. Outside of supporting the team and clients, Shaylyn enjoys spending time with her family, keeping active through fitness training, and traveling in her free time. She also sits on the Boston Public Library Emerging Leaders Board and the Cradles to Crayons Corporate Advisory Council.
Shaylyn attended Providence College where she earned her Bachelor of Arts in Business Marketing. She is a Connecticut native and currently resides in the Back Bay area of Boston, MA. Outside of supporting the team and clients, Shaylyn enjoys spending time with her family, keeping active through fitness training, and traveling in her free time. She also sits on the Boston Public Library Emerging Leaders Board and the Cradles to Crayons Corporate Advisory Council.
Securities Agent: CO, AK, WY, NH, WV, IL, VT, VA, NY, MN, MI, WI, TX, TN, NC, SD, SC, RI, PR, CA, UT, PA, NV, NJ, NE, DC, WA, MA, DE, MD, AZ, ME, GA, FL, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1901490
NMLS#: 1901490
About Tyler Desmond
Tyler is the portfolio manager for The Boston Collective Group, leading the team in asset management, research, and performance reporting. Tyler grew up just north of Boston in the town of Danvers. After attending St. John’s Prep in Danvers he graduated from the University of Chicago with a degree in economics. In the summer of 2015 Tyler obtained the Chartered Financial Analyst (CFA) designation. Tyler is also a CERTIFIED FINANCIAL PLANNER™.
Tyler has a diverse background in the world of finance that includes work experience in accounting, trading, equity research, and portfolio management. Since joining The Boston Collective Group in 2015, Tyler has been managing client portfolios with the philosophy that steady and patient long-term investing in high quality companies will succeed over time.
Outside of work Tyler enjoys mentoring young students, spending time with his niece and nephew, playing softball, skiing, and following the Boston sports teams.
Tyler has a diverse background in the world of finance that includes work experience in accounting, trading, equity research, and portfolio management. Since joining The Boston Collective Group in 2015, Tyler has been managing client portfolios with the philosophy that steady and patient long-term investing in high quality companies will succeed over time.
Outside of work Tyler enjoys mentoring young students, spending time with his niece and nephew, playing softball, skiing, and following the Boston sports teams.
About Joseph Neri
Joseph F Neri is the Client Service Associate, for The Boston Collective Group. In this role Joseph will be managing the day to day operations for the team including onboarding, client relations, appointment setting, administrative tasks, sending and receiving funds, securities based lending, and banking.
Joseph brings with him 12 years of industry experience. He began his career in Restricted Stock Services for National Financial Services LLC, a subsidiary of Fidelity Investments, assisting clients across every line of business sell, gift, and re-register control and restricted stock under Rule 144, Rule 144b1i, Rule 10B5-1, and Rule 904. Most recently, Joseph worked as a Client Service Associate at UBS Financial Services LLC in a similar capacity for both True North Wealth Management and the Scher Wealth Management Group. Joseph brings with him a passion for relationship management and wealth management.
Joseph is currently attending Merrimack College in pursuit of his Master of Science in Finance with a concentration in Analytics. Joseph received his Bachelor of Science in Finance, with a minor in Political Science, from Roger Williams University in 2010. Outside of work, Joseph loves spending time with his wife Stephanie, and two children Lena and Patrick, in Swampscott, MA. Joseph is an outdoor enthusiast and loves spending time relaxing at the beach, boating at the lake, snowboarding or hiking in the mountains, and attending sporting events.
Joseph brings with him 12 years of industry experience. He began his career in Restricted Stock Services for National Financial Services LLC, a subsidiary of Fidelity Investments, assisting clients across every line of business sell, gift, and re-register control and restricted stock under Rule 144, Rule 144b1i, Rule 10B5-1, and Rule 904. Most recently, Joseph worked as a Client Service Associate at UBS Financial Services LLC in a similar capacity for both True North Wealth Management and the Scher Wealth Management Group. Joseph brings with him a passion for relationship management and wealth management.
Joseph is currently attending Merrimack College in pursuit of his Master of Science in Finance with a concentration in Analytics. Joseph received his Bachelor of Science in Finance, with a minor in Political Science, from Roger Williams University in 2010. Outside of work, Joseph loves spending time with his wife Stephanie, and two children Lena and Patrick, in Swampscott, MA. Joseph is an outdoor enthusiast and loves spending time relaxing at the beach, boating at the lake, snowboarding or hiking in the mountains, and attending sporting events.
Contact Michael Douvadjian
Contact Jennifer Y. Yang
Contact Shaylyn Sullivan
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
Christina Cecchino
Associate Private Banker
James Fitzgerald
Senior Vice President, Financial Advisor
Christopher Dubie, CRPS®
Financial Advisor, Executive Director, Corporate Retirement Director, Financial Wellness Director
About Christina Cecchino
Christina Cecchino is an Associate Private Banker serving Morgan Stanley Wealth Management offices in Massachusetts and Greater New England.
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.
Christina began her career in financial services in 2018 and joined Morgan Stanley in 2022 as a Vice President in Experienced Manager Development. Prior to joining the firm, she was a Financial Advisor and Market Developer at Thrivent Financial. She also served as a Financial Advisor at Merrill Lynch.
Christina is a graduate of the Texas A&M University, where she received a Bachelor of Business Administration in Finance. She lives in Boston, Massachusetts with her husband. Outside of the office, Christina enjoys running, going to the beach, and golfing.
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.
Christina began her career in financial services in 2018 and joined Morgan Stanley in 2022 as a Vice President in Experienced Manager Development. Prior to joining the firm, she was a Financial Advisor and Market Developer at Thrivent Financial. She also served as a Financial Advisor at Merrill Lynch.
Christina is a graduate of the Texas A&M University, where she received a Bachelor of Business Administration in Finance. She lives in Boston, Massachusetts with her husband. Outside of the office, Christina enjoys running, going to the beach, and golfing.
NMLS#: 1767134
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
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
Article Image
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
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
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
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 Boston Collective 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.
1Alternative 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan 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
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.
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 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Products 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.
9Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
10When 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.
11Morgan 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.
12The 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.
13Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 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
1Alternative 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan 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
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.
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 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Products 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.
9Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
10When 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.
11Morgan 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.
12The 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.
13Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 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
CRC 6491812 (04/2024), 3582895 (6/2024)
