Elaine Habif, CIMA®
Senior Vice President, Financial Advisor, Lending Specialist
Phone:
(818) 382-5732(818) 382-5732
The Boulevard Group at Morgan Stanley
Direct:
(818) 382-5738(818) 382-5738
Our Mission Statement
We are committed to patient, steady capital -- a long term investment process built for full market cycles. We believe those who stay the course will be rewarded for their patience and hard work.
The Boulevard Group Story
Elaine Habif and Vahe Baban are partners known as The Boulevard Group at Morgan Stanley. Elaine and Vahe share a strong commitment to financial planning and long term investing. Together they give clients access to a wide range of talents and experience to better serve them.
Elaine’s tenure of more than four decades includes management roles and credentials as a Senior Consultant and Certified Investment Management Analyst® (CIMA®) from the University of Pennsylvania’s Wharton School of Business.
Vahe is a Financial Advisor and CERTIFIED FINANCIAL PLANNER™. Prior to joining Morgan Stanley in 2014, his experience included roles in wealth management, banking and lending. Vahe has extensive knowledge on a range of subjects including Tax, Estate Planning, Retirement Benefits, and Insurance strategies.
Alex Gallegos is a Financial Advisor Associate and Financial Planning Specialist. With 14 years of experience in the financial services industry, Alex has held roles in private banking, business banking, lending, and wealth management.
Our Client Service Associate, Terri Quesada, has long-serving experience supporting clients with their day to day wealth management needs.
We look forward to working with you and your family!
Elaine’s tenure of more than four decades includes management roles and credentials as a Senior Consultant and Certified Investment Management Analyst® (CIMA®) from the University of Pennsylvania’s Wharton School of Business.
Vahe is a Financial Advisor and CERTIFIED FINANCIAL PLANNER™. Prior to joining Morgan Stanley in 2014, his experience included roles in wealth management, banking and lending. Vahe has extensive knowledge on a range of subjects including Tax, Estate Planning, Retirement Benefits, and Insurance strategies.
Alex Gallegos is a Financial Advisor Associate and Financial Planning Specialist. With 14 years of experience in the financial services industry, Alex has held roles in private banking, business banking, lending, and wealth management.
Our Client Service Associate, Terri Quesada, has long-serving experience supporting clients with their day to day wealth management needs.
We look forward to working with you and your family!
2023, 2024 & 2025 Forbes Best-In-State Wealth Management Teams
- Source: Forbes.com (Awarded 2023, 2024, 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award. (https://www.morganstanley.com/disclosures/awards-disclosure/)
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Effective Solutions for Your Needs and Aspirations
We help ACHIEVE YOUR FINANCIAL GOALS by developing a comprehensive financial plan, based on your individual circumstances, goals and tolerance for risk
We help BRING ORDER TO YOUR FINANCES by developing a customized strategy for your investments; tax planning; insurance; retirement assets; estate planning and charitable giving.
We help KEEP YOU ON TRACK by helping you set priorities, showing you the steps you need to take and regularly reviewing your progress toward achieving your objectives.
We seek to PROVIDE OBJECTIVITY AND PERSPECTIVE IN A CRISIS whether in the markets or your life. We bring insight and experience to help avoid emotionally driven decisions, with an emphasis on being patient and maintaining a steady course
We help PREPARE FOR LIFE’S TRANSITIONS such as paying educational expenses and extracting income in retirement. We also seek to protect against unexpected catastrophic loss.
We help you LEARN ABOUT THE CHALLENGES AHEAD and the resources available to meet them, explaining your options and the risks and costs associated with each choice
We help SIMPLIFY YOUR FINANCIAL LIFE by coordinating with your accountant, attorney, insurance company, retirement plan trustee, etc., to make sure they are working in concert and seek to minimize the burden on you.
Financial Planning with The Boulevard Group
We start by identifying your specific needs and aspirations. Often these objectives are competing for limited resources and so it becomes necessary to establish priorities. Among the necessities are: adequate cash for living expenses and emergencies; protection from catastrophic risks to life, health and property; and enough income in retirement. Aspirational goals include assisting loved ones, giving to charity and leaving a legacy.
We recommend solutions using both sides of your balance sheet by providing recommendations for investments as well as debt management. We pay close attention to the impact of taxes throughout the process. We coordinate with your accountant, attorney and other professionals, meeting regularly to ensure the planning is well implemented.
We recommend solutions using both sides of your balance sheet by providing recommendations for investments as well as debt management. We pay close attention to the impact of taxes throughout the process. We coordinate with your accountant, attorney and other professionals, meeting regularly to ensure the planning is well implemented.
Our Investment Philosophy
We believe no one should have to build wealth twice. We are committed to “patient, steady capital” -- a long term investment process built for full market cycles. Those who stay the course, we believe, will be rewarded for their patience and hard work.
Of course, the journey is not always smooth sailing. We recognize that when large market moves occur, up or down, emotions may overrun logic. That is why we believe in a process that is clear and inspires confidence. A process you understand and believe in is one you can stick with over the long term and achieve your objectives.
Of course, the journey is not always smooth sailing. We recognize that when large market moves occur, up or down, emotions may overrun logic. That is why we believe in a process that is clear and inspires confidence. A process you understand and believe in is one you can stick with over the long term and achieve your objectives.
The Boulevard Group's Awards and Designations
Our diligence and commitment to our clients has lead to us attaining the following awards and designations.
Forbes Best-In-State Wealth Management Teams (2023, 2024, & 2025)
Source: Forbes.com (Awarded 2023, 2024, 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award. (https://www.morganstanley.com/disclosures/awards-disclosure/)
Elaine Habif - MAKERS Class of 2018
Morgan Stanley's MAKERS program recognizes Morgan Stanley's committed advocates and trailblazers who drive progress for women at our Firm and in our communities.
Certified Financial Planner® (CFP®)
Vahe Baban is certified by the CFP® Board, meaning he has taken the extra step to demonstrate commitment and professionalism submitting to the rigorous CFP® certification process that includes demanding education, examination, experience, and ethical requirements. These four cornerstones set the foundation for the CFP® professional’s ability in helping clients achieve their goals.
Certified Investment Management Analyst® (CIMA®)
Elaine Habif has earned the CIMA® certification. The CIMA certification identifies individuals who have met extensive experience and ethical
requirements and successfully completed advanced investment management consulting
coursework from the University of Pennsylvania’s Wharton School of Business.
requirements and successfully completed advanced investment management consulting
coursework from the University of Pennsylvania’s Wharton School of Business.
Financial Planning Specialist (Firm Sponsored Designation)
As Financial Planning Specialists, Alex Gallegos and Vahe Baban have undergone the continuing education requirements to understand the fundamentals of wealth accumulation and wealth management for high net worth individuals.
Lending Specialist (Firm Sponsored Designation)
Elaine Habif and Vahe Baban have both successfully attained the Lending Specialist Designation at Morgan Stanley to better assist clients and evaluate their liquidity needs as part of their larger financial goals.
Feature: MAKERS Class of 2018
Location
15260 Ventura Blvd
Ste 1900
Sherman Oaks, CA 91403
US
Direct:
(818) 382-5738(818) 382-5738
Meet The Boulevard Group
Vahe Baban, CFP®
Senior Vice President, Financial Advisor, Financial Planning Specialist, Lending Specialist
Phone:
(818) 382-5723(818) 382-5723
Alex Gallegos
Financial Advisor, Financial Planning Specialist
Phone:
(818) 382-5773(818) 382-5773
Terri Quesada
Senior Client Service Associate
Phone:
(818) 382-5738(818) 382-5738
About Elaine Habif
Elaine started her career with Dean Witter (which later merged with Morgan Stanley) in 1975 as a Branch Administrative Manager. She became a Financial Advisor in 1993 and obtained her Certified Investment Management Analyst certification in 2006 at the University of Pennsylvania’s Wharton School of Business.
Elaine prides herself on having lifelong relationships with her clients having helped guide them through the many market cycles we have experienced over the years. She is one of 17 outstanding professional women nominated by her peers and selected by Morgan Stanley executives to participate in MAKERS, a national program that identifies and celebrates accomplished professionals from a variety of fields and companies who are making a difference in the lives of their colleagues, clients and communities.
Elaine enjoys international travel, cooking, golfing, and is an avid Dodger fan!
Direct: (818) 382-5732
elaine.habif@morganstanley.com
Elaine prides herself on having lifelong relationships with her clients having helped guide them through the many market cycles we have experienced over the years. She is one of 17 outstanding professional women nominated by her peers and selected by Morgan Stanley executives to participate in MAKERS, a national program that identifies and celebrates accomplished professionals from a variety of fields and companies who are making a difference in the lives of their colleagues, clients and communities.
Elaine enjoys international travel, cooking, golfing, and is an avid Dodger fan!
Direct: (818) 382-5732
elaine.habif@morganstanley.com
Securities Agent: NC, MS, UT, FL, AK, AZ, TX, SC, MD, HI, DC, CO, OK, CA, VA, NJ, MI, MA, IL, NM, NV, ID, CT, PA, NY, OR, WA; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1268319
CA Insurance License #: 0E88624
NMLS#: 1268319
CA Insurance License #: 0E88624
About Vahe Baban
Vahe began his career in financial services in 2006 and has held various roles in wealth management, banking, lending and financial planning. As an undergraduate, Vahe attended California State University, Northridge and received his degree in Business Law. He then attended UCLA Extension and studied Personal Financial Planning before becoming a CERTIFIED FINANCIAL PLANNER™. Vahe has a strong background on a range of subjects including Tax, Estate Planning, Retirement Benefits, and Insurance strategies.
Vahe resides in Studio City and stays involved with the local community. Outside of the office, Vahe enjoys hiking, golfing and traveling.
Direct: 818-382-5723
vahe.baban@morganstanley.com
Vahe resides in Studio City and stays involved with the local community. Outside of the office, Vahe enjoys hiking, golfing and traveling.
Direct: 818-382-5723
vahe.baban@morganstanley.com
Securities Agent: VA, NV, WA, UT, NJ, MI, FL, DC, CA, TX, CO, AK, NY, MD, HI, OK, MA, IL, SC, ID, OR, NM, NC, MS, AZ, PA; General Securities Representative; Investment Advisor Representative
NMLS#: 959658
CA Insurance License #: 0K22302
NMLS#: 959658
CA Insurance License #: 0K22302
About Alex Gallegos
Alex began his career in financial services in 2011 and has held roles in private banking, business banking, lending, and wealth management. Prior to joining Morgan Stanley, he was a Private Client Banker for J.P. Morgan Chase Bank. He graduated cum laude from California State University, Los Angeles, with a B.S. in Finance.
In his spare time, Alex volunteers in the Golden Eagle Opportunity Fund at California State University Los Angeles, where he helps students analyze equity holdings. He also is bilingual, fluent in both English and Spanish.
Alex resides in Pasadena, California, with his wife and family. Outside of the office, Alex enjoys golf, snowboarding, cooking, and hiking. Alex is also an Eagle Scout.
Direct: (818) 382-5773
alex.gallegos@morganstanley.com
NMLS # 1040520
In his spare time, Alex volunteers in the Golden Eagle Opportunity Fund at California State University Los Angeles, where he helps students analyze equity holdings. He also is bilingual, fluent in both English and Spanish.
Alex resides in Pasadena, California, with his wife and family. Outside of the office, Alex enjoys golf, snowboarding, cooking, and hiking. Alex is also an Eagle Scout.
Direct: (818) 382-5773
alex.gallegos@morganstanley.com
NMLS # 1040520
Securities Agent: NY, HI, NC, MI, MA, NV, IL, CO, AZ, PA, TX, NM, DC, OH, NJ, ID, CA, WA, UT, SC, MS, MD, GA, AK, OR, OK, IN, FL, CT, VA; General Securities Representative; Investment Advisor Representative
CA Insurance License #: 0J07566
CA Insurance License #: 0J07566
About Terri Quesada
Terri Quesada is a Senior Client Service Associate. She began her career with Morgan Stanley in 1994, first in the operations department and later as Branch Manager Assistant. In 1998 she took on the role of a Client Service Associate, assisting clients with various operational services, inquiries, and administrative tasks. In her spare time, Terri enjoys watching the Dodgers, traveling, scrapbooking, movies and cooking. She is the proud mother of three successful daughters.
Direct:(818) 382-5738
terri.quesada@morganstanley.com
Direct:(818) 382-5738
terri.quesada@morganstanley.com
Contact Elaine Habif
Contact Vahe Baban
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
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
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 Boulevard Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan 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.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan Stanley Smith Barney LLC 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan 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.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan Stanley Smith Barney LLC 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
