Michael Odorisio, CFP®, CPM®, CEPA®
Executive Director, Financial Advisor, Senior Portfolio Management Director
Phone:
(302) 636-5527(302) 636-5527
The Brandywine Group at Morgan Stanley
Our Mission Statement
Fostering trusting, responsive relationships with clients guided by continuous financial planning and experienced investment management.
What You Can Expect
The Brandywine Group at Morgan Stanley is a comprehensive wealth management practice spanning 4 branches including Greenville and Rehoboth Beach, Delaware, Hunt Valley, Maryland, and Palm Harbor, Florida.
We believe there is strength in numbers. Our team offers extensive experience providing financial guidance to successful business owners, individuals and families. Each of us brings specific and robust knowledge of the vast resources available to you through Morgan Stanley. Whether you’re seeking retirement income, strategic asset allocation, insurance, wealth transfer, business succession planning or the management of your liabilities, we have the breadth and depth to help you meet your objectives.
PLEASE NOTE: We would like to extend an invitation to The Brandywine Group at Morgan Stanley’s Monthly Investment Webcast, where we explain how the economic environment informs the team’s investment thesis. Our webcast is held on the third Wednesday of each month, at 4:15PM ET via Zoom. Please reach out to any team member to request an invitation.
Disclosures:
Asset allocation and diversification do not guarantee a profit or protect against a loss in a declining financial market.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
We believe there is strength in numbers. Our team offers extensive experience providing financial guidance to successful business owners, individuals and families. Each of us brings specific and robust knowledge of the vast resources available to you through Morgan Stanley. Whether you’re seeking retirement income, strategic asset allocation, insurance, wealth transfer, business succession planning or the management of your liabilities, we have the breadth and depth to help you meet your objectives.
PLEASE NOTE: We would like to extend an invitation to The Brandywine Group at Morgan Stanley’s Monthly Investment Webcast, where we explain how the economic environment informs the team’s investment thesis. Our webcast is held on the third Wednesday of each month, at 4:15PM ET via Zoom. Please reach out to any team member to request an invitation.
Disclosures:
Asset allocation and diversification do not guarantee a profit or protect against a loss in a declining financial market.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Services Include
- Professional Portfolio ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Business Succession PlanningFootnote5
- Philanthropic ManagementFootnote6
- Planning for Education FundingFootnote7
- 401(k) Rollovers
- Municipal BondsFootnote8
- Exchange Traded FundsFootnote9
- Alternative InvestmentsFootnote10
- Structured ProductsFootnote11
- Cash Management and Lending ProductsFootnote12
- Life InsuranceFootnote13
- Long-term Care InsuranceFootnote14
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Recognition and Designations
The Brandywine Group Named Forbes Best-In-State Wealth Management Teams for 2023, 2024, and 2025
Source: Forbes.com (Awarded 2023-2025) Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
https://mgstn.ly/3fQYK3h
Michael Odorisio Named Forbes Best-In-State Wealth Advisor for 2024
2024 Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC for the period 6/30/22 - 6/30/23.
https://mgstn.ly/3fQYK3h
Certified Financial Planner (CFP®) – Michael Odorisio, David Seifert, Jenn Harpel
CFP® professionals have met extensive training and experience requirements and commit to CFP Board's ethical standards that require them to put their clients' interests first.
Certified Portfolio Manager (CPM®) – Michael Odorisio
The Certified Portfolio Manager (CPM®) designation is a collaboration of the Academy of Certified Portfolio Managers and University of Denver. The academic component is designed to provide a deeper understanding of fundamental security analysis, asset allocation, and portfolio management concepts for financial services industry professionals managing discretionary portfolios.
Disclosures:
Asset allocation and diversification do not guarantee a profit or protect against a loss in a declining financial market.
Certified Exit Planning Advisor (CEPA®) – Michael Odorisio
The Certified Exit Planning Advisor (CEPA®) credential is for professional advisors who want to effectively engage more business owners. Through the process of Exit Planning (the Value Acceleration Methodology™), owners can build more valuable companies, have stronger personal financial plans, and align their personal goals.
Chartered Retirement Planning Counselor (CRPC®) – Brandon Cohen
The CRPC® program enables experienced advisors, who are focused on retirement planning for individuals, define a "road map to retirement" for their clients. There is a focus on clients' pre- and post-retirement needs, as well as issues related to asset management and estate planning.
Chartered Financial Consultant (ChFC®) – Jenn Harpel
The ChFC® Program offers comprehensive knowledge through essential financial planning education courses on insurance, taxation, retirement, and estate planning.
Disclosures:
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Certified in Long-Term Care (CLTC®) – Jenn Harpel
CLTC® Certified in Long-Term Care designation educates professionals in the fields of insurance, financial services, law and accounting about the severe consequences a need for care over an extended period of years would have, not on their client, but on the emotional, physical and financial wellbeing of those the client loves.
Designations:
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Since life insurance and long term care insurance are medically underwritten, you should not cancel your current policy until your new policy is in force. A change to your current policy may incur charges, fees and costs. A new policy will require a medical exam. Surrender charges may be imposed and the period of time for which the surrender charges apply may increase with a new policy. You should consult with your own tax advisors regarding your potential tax liability on surrenders.
Chartered Financial Analyst (CFA®) – Colin Geraffo
The CFA charter is one of the most respected designations in finance and is widely considered to be the gold standard in the field of investment analysis. The program teaches a wide range of subjects relating to advanced investment analysis—including business analysis, statistics, probability theory, fixed income, derivatives, economics, financial analysis, corporate finance, alternative investments, portfolio management, and ethics applicable to the finance industry.
Chartered Alternative Investment Analyst (CAIA®) – Colin Geraffo
Chartered Alternative Investment Analysts are trained to assess alternatives investments such as hedge funds, venture capital, and private equity. Although the CFA includes alternative investments, the CAIA coverage is more in-depth.
Disclosures:
The investments listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a Financial Advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.
Resource Center
The Brandywine Group believes financial education leads to better insights into our investment strategy and discipline. As a result, we are committed to providing you with important information about managing your wealth more effectively in today's global markets.
Global Investment Committee:
Global Investment Committee WeeklyFinancial Planning:
LifeView OverviewBusiness Succession Planning
It is estimated that 70%+ of a business owners net worth is derived from the value of their business. Often, owners arrive at the end of their careers to find that their business is not positioned nor ready to successfully transfer to a new owner because they missed the opportunity to grow transferrable value, which ultimately results in a lower sale price and less favorable exit overall. Our team works collaboratively with a team of advisors to enhance and improve exit outcomes for our business owner clients, and to help maximize the value of their business and personal financial plans.
The Value of Personalized Advice:
The Value of Personalized Advice:Tax Management:
Morgan Stanley Tax Tables 2024Business Succession Planning
Owning a business typically requires years, even decades, of dedication and commitment. However, business owners are frequently unaware of the preparation necessary to execute an effective succession plan. Whether you're considering an IPO, merger with a strategic buyer, or transitioning your business to family members, we're here to help you create and carry out a successful exit strategy. Schedule an appointment with us to learn more.
Modern Wealth Tools
Our goal is simple: "To be the firm with some of the most talented advisors in the industry leverage cutting-edge technology and deliver customized wealth management solutions to their clients and their families to help them to achieve their life goals." The Firm strives to ensure it serves clients on its technology platforms that are resilient, safe, efficient, smart, fast and flexible.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
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.
E-Sign
E-Sign is a digital, paperless alternative to the traditional means of obtaining signatures from clients 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.
E-Authorization
With E-Authorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a wire transfer request.
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
Total Wealth View
Total Wealth View allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App. The ability to view all of your assets together provides the opportunity to advise on your accounts with your entire financial picture in mind
Security Center
Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance you own online security.
LifeView
The LifeView platform will assist in creating your personal roadmap to help achieve your goals. At its core, it is a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio's exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Reserved Living & Giving
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.
Location
500 Dupont Field Blvd
Ste 300
Greenville, DE 19807
US
Direct:
(302) 994-6300(302) 994-6300
55 Cascade Lane
Rehoboth Beach, DE 19971
US
303 International Circle
Suite 500
Hunt Valley, MD 21030
US
4114 Woodlands Parkway
Suite 200
Palm Harbor, FL 34685
US
Meet The Brandywine Group
David D Seifert, CFP®
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager, Workplace Advisor - Equity Compensation
Phone:
(410) 229-8279(410) 229-8279
Phone:
(727) 773-4610(727) 773-4610
Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(302) 644-6620(302) 644-6620
Douglas Barr Jr.
First Vice President, Financial Advisor
Phone:
(302) 636-7972(302) 636-7972
Andrew Jones, CIMA®
Associate Vice President, Financial Advisor
Phone:
(302) 636-5924(302) 636-5924
Cassandra Dekis
Assistant Vice President, Financial Planning Analyst
Phone:
(302) 636-5521(302) 636-5521
Colin Geraffo, CFA®, CAIA®
Portfolio Management Associate
Phone:
(302) 636-5524(302) 636-5524
Dianne Blunt
Portfolio Associate, Senior Registered Associate
Phone:
(302) 636-5522(302) 636-5522
Jaime Cutter
Registered Client Service Associate
Phone:
(302) 636-5533(302) 636-5533
Sarah Singh
Client Service Associate
Phone:
(410) 229-8240(410) 229-8240
Vincent Pravata
Client Service Associate
Phone:
(727) 773-4609(727) 773-4609
About Michael Odorisio
Michael Odorisio, Executive Director, Senior Portfolio Management Director, and Financial Advisor, holds designations as a Certified Financial Planner, Certified Portfolio Manager, and Certified Exit Planning Advisor. He is the co-founder of The Brandywine Group at Morgan Stanley, and has over 20 years of wealth management experience, having spent his entire career in finance at Morgan Stanley.
Michael works collaboratively with individuals and families to develop investment strategies, while his team provides comprehensive, ongoing financial planning. His process focuses on thoroughly understanding the individual needs for each client and then constructing actionable plans tailored to their specific financial goals. Michael's services include investment management, tax minimization strategies, charitable giving, and life insurance.
In addition, Michael draws on his CEPA® (Certified Exit Planning Advisor) credential to help business owner clients succeed in their business and personal lives. He works with small to medium sized business owners to grow the transferrable value of their business, years ahead of a planned exit. Often, owners arrive at the end of their career to find the business is not positioned nor ready to successfully transfer to a new owner because they missed the opportunity to grow transferable value, which ultimately results in a less favorable exit. Michael works collaboratively with a team of advisors to enhance and improve exit outcomes for business owner clients, and to help maximize the value of their business and personal financial plans.
Michael also presents Morgan Stanley’s full deck of macroeconomic information each month on The Brandywine Group at Morgan Stanley’s Monthly Investment Perspectives Webcast. On the webcast, Michael explains to clients how the economic environment informs the team’s investment thesis.
Raised in Kennett Square, Pennsylvania, Michael graduated from Kennett High School. Michael earned a Bachelor of Science Degree, Business Management with a Finance focus from Widener University in Chester, Pennsylvania where he graduated Magna Cum Laude in 2002.
Community service is important to Michael. He is a board member of the Serviam Girls Academy in Wilmington, Delaware, and is also the Co-Founder and President of The Pizzini Promise Foundation. Michael, along with his wife Rachael and their three daughters, reside in Chadds Ford, Pennsylvania.
Community Involvement:
Serviam Girls Academy, Board Member, Finance Committee Member
The Pizzini Promise Foundation, Co-Founder, President, and Board Member
Chester County Food Bank, Former Vice Chair of the Board
Michael works collaboratively with individuals and families to develop investment strategies, while his team provides comprehensive, ongoing financial planning. His process focuses on thoroughly understanding the individual needs for each client and then constructing actionable plans tailored to their specific financial goals. Michael's services include investment management, tax minimization strategies, charitable giving, and life insurance.
In addition, Michael draws on his CEPA® (Certified Exit Planning Advisor) credential to help business owner clients succeed in their business and personal lives. He works with small to medium sized business owners to grow the transferrable value of their business, years ahead of a planned exit. Often, owners arrive at the end of their career to find the business is not positioned nor ready to successfully transfer to a new owner because they missed the opportunity to grow transferable value, which ultimately results in a less favorable exit. Michael works collaboratively with a team of advisors to enhance and improve exit outcomes for business owner clients, and to help maximize the value of their business and personal financial plans.
Michael also presents Morgan Stanley’s full deck of macroeconomic information each month on The Brandywine Group at Morgan Stanley’s Monthly Investment Perspectives Webcast. On the webcast, Michael explains to clients how the economic environment informs the team’s investment thesis.
Raised in Kennett Square, Pennsylvania, Michael graduated from Kennett High School. Michael earned a Bachelor of Science Degree, Business Management with a Finance focus from Widener University in Chester, Pennsylvania where he graduated Magna Cum Laude in 2002.
Community service is important to Michael. He is a board member of the Serviam Girls Academy in Wilmington, Delaware, and is also the Co-Founder and President of The Pizzini Promise Foundation. Michael, along with his wife Rachael and their three daughters, reside in Chadds Ford, Pennsylvania.
Community Involvement:
Serviam Girls Academy, Board Member, Finance Committee Member
The Pizzini Promise Foundation, Co-Founder, President, and Board Member
Chester County Food Bank, Former Vice Chair of the Board
Securities Agent: MT, MI, ID, FL, WY, MO, HI, CA, RI, NY, IN, GA, SC, OH, DC, IA, VT, NJ, WI, PA, ME, MD, CT, AZ, VA, TX, NC, MA, IL, DE, CO, KY, WA, NH; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1288069
CA Insurance License #: 0L47673
NMLS#: 1288069
CA Insurance License #: 0L47673
About David D Seifert
David Seifert, Senior Vice President, Senior Portfolio Manager, Workplace Advisor - Equity Compensation, and Financial advisor, leverages over 30 years of experience helping clients with retirement planning by providing more than just investment advice. He holds the CERTIFIED FINANCIAL PLANNER™(CFP®) designation to offer clients an array of personalized services with a goal of being able to pursue their unique goals.
Before merging with the Brandywine Group, David collaborated with Robert Laws, First Vice President and Financial Advisor in Morgan Stanley’s Hunt Valley, Maryland branch office. Their focus is to help you achieve and maintain the financial independence you’ve worked for your whole life to achieve.
David began his career in 1992 as a Financial Advisor, joining Morgan Stanley in 2009 to continue to serve his clients at the highest level. Leveraging knowledge across different firms, he uses a consulting process begins with an in-depth discussion of your current finances and future objectives.
Outside of work, David enjoys outside activities such as cycling, hunting, gardening, fishing, and hiking. Growing up in Baltimore, he now resides in Owings Mills, Maryland with his wife Kim and children, Nicholas and Carter. As a community leader, David is the former President of the investment committee for the National Kidney Foundation of Maryland.
Before merging with the Brandywine Group, David collaborated with Robert Laws, First Vice President and Financial Advisor in Morgan Stanley’s Hunt Valley, Maryland branch office. Their focus is to help you achieve and maintain the financial independence you’ve worked for your whole life to achieve.
David began his career in 1992 as a Financial Advisor, joining Morgan Stanley in 2009 to continue to serve his clients at the highest level. Leveraging knowledge across different firms, he uses a consulting process begins with an in-depth discussion of your current finances and future objectives.
Outside of work, David enjoys outside activities such as cycling, hunting, gardening, fishing, and hiking. Growing up in Baltimore, he now resides in Owings Mills, Maryland with his wife Kim and children, Nicholas and Carter. As a community leader, David is the former President of the investment committee for the National Kidney Foundation of Maryland.
Securities Agent: CA, GA, WA, PA, ME, TX, NY, NC, ID, DE, AZ, MA, KY, IL, VA, SC, IN, WY, MO, FL, MN, HI, AL, VT, MI, RI, NJ, MD, DC, CT, CO, OH, MT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1571572
NMLS#: 1571572
About Me
Brandon is a Financial Advisor and Chartered Retirement Planning Specialist at Morgan Stanley and has over a decade of experience in wealth management. Brandon has a comprehensive approach to wealth management, having begun his career in accounting and law. Brandon’s background in accounting and law informs his client-centric approach, allowing him to frame financial decisions from the client’s perspective. He and his team are committed to delivering personalized solutions for every client, ensuring that their financial plans align with both current needs and future aspirations.
As a partner in the Brandywine Group at Morgan Stanley, Brandon works with families and small business owners to develop comprehensive financial strategies. He focuses in holistic wealth management, which includes financial and retirement planning, customized portfolio construction, and effective strategies for navigating significant financial milestones. Brandon crafts tailored investment portfolios to meet the specific needs and goals of each client.
Raised in Florida, Brandon is an alumnus of Berkeley Preparatory School and Palm Harbor University High School. He holds a Bachelor of Science in Finance and a Master of Accounting from Tulane University and attended Stetson College of Law. He is an active member of his community, participating in several charitable initiatives and engaging in local programs at Harborside Church.
Brandon lives in Florida with his wife, Lori, their two children, Brody and Lillian, and their golden retriever, Cash. Outside of work, Brandon enjoys spending time outdoors, traveling, playing chess, and following his favorite sports teams.
As a partner in the Brandywine Group at Morgan Stanley, Brandon works with families and small business owners to develop comprehensive financial strategies. He focuses in holistic wealth management, which includes financial and retirement planning, customized portfolio construction, and effective strategies for navigating significant financial milestones. Brandon crafts tailored investment portfolios to meet the specific needs and goals of each client.
Raised in Florida, Brandon is an alumnus of Berkeley Preparatory School and Palm Harbor University High School. He holds a Bachelor of Science in Finance and a Master of Accounting from Tulane University and attended Stetson College of Law. He is an active member of his community, participating in several charitable initiatives and engaging in local programs at Harborside Church.
Brandon lives in Florida with his wife, Lori, their two children, Brody and Lillian, and their golden retriever, Cash. Outside of work, Brandon enjoys spending time outdoors, traveling, playing chess, and following his favorite sports teams.
Securities Agent: GA, VT, MT, MO, MD, FL, CT, DC, SC, NY, DE, AZ, OH, ME, HI, CA, NJ, WY, RI, NC, IN, ID, CO, WA, PA, MI, MA, IL, VA, TX, KY; General Securities Representative; Investment Advisor Representative
NMLS#: 880147
CA Insurance License #: 0L57322
NMLS#: 880147
CA Insurance License #: 0L57322
About Jenn Harpel
Jenn Harpel, Vice President, Portfolio Manager, Financial Planning Specialist, and Financial advisor, leverages almost two decades of experience helping clients manage their wealth through sophisticated investment management techniques and financial planning. She holds the CERTIFIED FINANCIAL PLANNER™(CFP®) and Chartered Financial Consultant(ChFC®) designations and takes pride in developing plans to assist clients that desire a 360° wealth management relationship. Jenn brings fresh perspectives by staying current with market trends and provides personalized service, transparency, and high quality communications that give clients the confidence needed to navigate a challenging financial world.
Jenn began her career with Morgan Stanley 15 years ago working with senior advisors to learn best practices and techniques that clients expect when hiring a professional money manager. Having 3 additional years of experience outside of Morgan Stanley, she has built a niche to understand the individual needs for each client to construct a comprehensive wealth management plan.
Jenn earned her Bachelor’s Degree in History and SEC Education from Ursinus College in Collegeville, PA. Outside her career in Wealth Management, Jenn is an overall athlete. In High School she received 12 varsity letters, which led to Division 1 Field Hockey & Lacrosse. Being named an All-American athlete, competing in 4 NCAA tournaments, 2 being National Championships, Jenn joined the US Women's National Team to continue her love for sports. Jenn is now the supportive sports mom along her spouse Katie, rooting on their year old son.
Outside of Wealth Management, Jenn has many interests. She is known as a coin collector and history buff, having a collection of about 1000 historical photos and a civil war collection.. The photo collection includes famous figures on glass featuring people like Babe Ruth, Honus Wagner, and Blackjack Pershing, all taken by her great-grandfather. She also has an interest in charities and community service, being a member of Hospice Delaware, Delaware Breast Cancer Coalition, and Camp Rehoboth Community Center.
Community Involvement:
CAMP Rehoboth Community Center, Board Member, Treasurer
Delaware Hospice, Volunteer
DE Breast Cancer Coalition, Volunteer
Boardwalk Buddy Walk, Volunteer
Jenn began her career with Morgan Stanley 15 years ago working with senior advisors to learn best practices and techniques that clients expect when hiring a professional money manager. Having 3 additional years of experience outside of Morgan Stanley, she has built a niche to understand the individual needs for each client to construct a comprehensive wealth management plan.
Jenn earned her Bachelor’s Degree in History and SEC Education from Ursinus College in Collegeville, PA. Outside her career in Wealth Management, Jenn is an overall athlete. In High School she received 12 varsity letters, which led to Division 1 Field Hockey & Lacrosse. Being named an All-American athlete, competing in 4 NCAA tournaments, 2 being National Championships, Jenn joined the US Women's National Team to continue her love for sports. Jenn is now the supportive sports mom along her spouse Katie, rooting on their year old son.
Outside of Wealth Management, Jenn has many interests. She is known as a coin collector and history buff, having a collection of about 1000 historical photos and a civil war collection.. The photo collection includes famous figures on glass featuring people like Babe Ruth, Honus Wagner, and Blackjack Pershing, all taken by her great-grandfather. She also has an interest in charities and community service, being a member of Hospice Delaware, Delaware Breast Cancer Coalition, and Camp Rehoboth Community Center.
Community Involvement:
CAMP Rehoboth Community Center, Board Member, Treasurer
Delaware Hospice, Volunteer
DE Breast Cancer Coalition, Volunteer
Boardwalk Buddy Walk, Volunteer
Securities Agent: OH, NJ, MI, MA, GA, CO, WY, WA, RI, OR, IN, HI, MO, KY, AR, NY, MT, MD, FL, SC, PA, NC, ID, DE, DC, TX, IL, CA, AZ, VT, MS, ME, CT, VA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1310708
CA Insurance License #: 4210347
NMLS#: 1310708
CA Insurance License #: 4210347
About Douglas Barr Jr.
Doug Barr, First Vice President and Financial Advisor at The Brandywine Group, has been a fixture of Morgan Stanley (formerly Dean Witter Reynolds) for more than 40 years. After serving clients in the West Chester, PA office for 35 years, Doug made the decision to join his brother, John, and his business partner, Michael Odorisio’ s team, The Brandywine Group, in the Little Falls office in Wilmington, DE. Doug was impressed by their collaborative approach and The Brandywine Group's commitment to provide a holistic methodology to their clientele.
Doug earned a Bachelor of Arts degree in Business Administration from Gettysburg College. As a student, Doug had an interest in the stock market and during his senior year of college, he completed an independent study in Dean Witter's Wilmington office. After working in various sales, banking, and real estate roles, Doug joined his father, who was also a financial advisor, in Dean Witter's West Chester office.
Doug grew up in Marshallton, PA where he still resides today with his two daughters, Elizabeth and Anne. When he isn't working, Doug enjoys riding horses, gardening, canoeing, tending to his apple trees and classic cars. Doug has participated in the Marshallton Triathlon for many years and has also been involved in a local Boy Scout troop. Doug is a long-time supporter of Ryerss Farm for Aged Equines and the Elks Club and is also a member of the southeastern PA Chapter of International Harvester Collectors Club and Back Yard Fruit Growers.
Doug earned a Bachelor of Arts degree in Business Administration from Gettysburg College. As a student, Doug had an interest in the stock market and during his senior year of college, he completed an independent study in Dean Witter's Wilmington office. After working in various sales, banking, and real estate roles, Doug joined his father, who was also a financial advisor, in Dean Witter's West Chester office.
Doug grew up in Marshallton, PA where he still resides today with his two daughters, Elizabeth and Anne. When he isn't working, Doug enjoys riding horses, gardening, canoeing, tending to his apple trees and classic cars. Doug has participated in the Marshallton Triathlon for many years and has also been involved in a local Boy Scout troop. Doug is a long-time supporter of Ryerss Farm for Aged Equines and the Elks Club and is also a member of the southeastern PA Chapter of International Harvester Collectors Club and Back Yard Fruit Growers.
Securities Agent: SC, AZ, VA, RI, NC, MO, MA, LA, IL, KY, WI, VT, NY, ID, HI, WA, TX, IN, DE, OH, MT, ME, GA, FL, WY, PA, DC, CA, NV, NJ, MI, MD, CO, CT; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1301213
NMLS#: 1301213
About Andrew Jones
Andrew Jones is a Financial Advisor for The Brandywine Group at Morgan Stanley. Andrew strives to foster trusting and responsive relationships with individuals, families, and small to medium size businesses. He takes a holistic approach to guiding clients. He utilizes his team’s broad experience and Morgan Stanley’s vast resources to assist with every facet of wealth management including investment management, retirement planning, cash management, education, legacy and philanthropic planning.
Building long term relationships is at the forefront of Andrew’s practice. He enjoys getting to know his clients and developing a deep understanding of their financial situation, values, and aspirations. He then constructs actionable plans tailored to their goals.
Andrew earned his master’s degree in Global Finance from Bryant University as well as Bachelor’s degree in Finance. He played on Bryant’s Division I football team for five years as both an undergraduate and graduate. Andrew resides in Kennett Square, Pennsylvania. Giving back to the community is important to Andrew. He volunteers for the Kennett Food Cupboard and is also a Board Member of KAU Little League Baseball. Outside of work, he enjoys playing golf and rooting for the Philadelphia Eagles.
Community Involvement:
KAU Little League Baseball, Board Member
Kennett Food Cupboard, Volunteer
Building long term relationships is at the forefront of Andrew’s practice. He enjoys getting to know his clients and developing a deep understanding of their financial situation, values, and aspirations. He then constructs actionable plans tailored to their goals.
Andrew earned his master’s degree in Global Finance from Bryant University as well as Bachelor’s degree in Finance. He played on Bryant’s Division I football team for five years as both an undergraduate and graduate. Andrew resides in Kennett Square, Pennsylvania. Giving back to the community is important to Andrew. He volunteers for the Kennett Food Cupboard and is also a Board Member of KAU Little League Baseball. Outside of work, he enjoys playing golf and rooting for the Philadelphia Eagles.
Community Involvement:
KAU Little League Baseball, Board Member
Kennett Food Cupboard, Volunteer
Securities Agent: RI, OR, NJ, VA, TX, WA, MT, VT, NC, LA, KY, AZ, WY, PA, MO, MI, MD, TN, SC, ME, IN, ID, CO, GA, FL, HI, DC, CA, IL, CT, OH, NY, DE, MA; General Securities Representative; Investment Advisor Representative
NMLS#: 2181212
CA Insurance License #: 4233623
NMLS#: 2181212
CA Insurance License #: 4233623
About Cassandra Dekis
After graduating from Wilmington University with a MBA in Finance, Casse joined Morgan Stanley in 2016. In her role as a Financial Planning Analyst, she is focused on coordinating the financial planning efforts of the team. Casse works closely with the group’s clients to understand their goals and tailors thoughtful strategies to help meet their unique objectives.
Community Involvement:
Food Bank of Delaware, Volunteer
Salvation Army, Volunteer
Habitat for Humanity ReStore, Volunteer
Community Involvement:
Food Bank of Delaware, Volunteer
Salvation Army, Volunteer
Habitat for Humanity ReStore, Volunteer
About Colin Geraffo
Colin Geraffo, Portfolio Management Associate, holds the Chartered Financial Analyst designation. Colin is a dedicated finance professional with a strong foundation in portfolio management, investment analysis, and client relationship management. Colin's experience in analyzing market trends, evaluating financial holdings, and presenting investment strategies aligns seamlessly with the team’s goals of delivering customized client solutions.
Colin also holds the Chartered Alternative Investment Analyst designation. This enables Colin to bring advanced strategies in alternative investments to the Brandywine Group, enhancing our ability to deliver robust, innovative, and tailored strategies to our clients.
Raised in Wantagh, New York, Colin graduated from Marist College with a bachelor's degree in business administration with a concentration in finance and a minor in mathematics. After graduation, Colin launched his career at Morgan Stanley in New York before joining the Brandywine Group.
Outside of the office, Colin stays active through workouts, explores new culinary experiences, and dives into good books to stay inspired and continually expand his professional knowledge.
Colin also holds the Chartered Alternative Investment Analyst designation. This enables Colin to bring advanced strategies in alternative investments to the Brandywine Group, enhancing our ability to deliver robust, innovative, and tailored strategies to our clients.
Raised in Wantagh, New York, Colin graduated from Marist College with a bachelor's degree in business administration with a concentration in finance and a minor in mathematics. After graduation, Colin launched his career at Morgan Stanley in New York before joining the Brandywine Group.
Outside of the office, Colin stays active through workouts, explores new culinary experiences, and dives into good books to stay inspired and continually expand his professional knowledge.
About Dianne Blunt
Dianne Blunt, Senior Registered Associate, grew up in Birmingham, Michigan and graduated from Wylie E. Groves High School. Dianne went on to earn a Bachelor of Science Degree in Business Administration in 1982 from Michigan State University in East Lansing, Michigan.
Community Involvement:
St. Mary’s Church in Hockessin, Volunteer
Faithful Friends in Wilmington, Volunteer
Salvation Army, Volunteer
Community Involvement:
St. Mary’s Church in Hockessin, Volunteer
Faithful Friends in Wilmington, Volunteer
Salvation Army, Volunteer
About Jaime Cutter
As a Support Professional for the Brandywine Group, Jaime manages many operational aspects of the team including overseeing the implementation of Morgan Stanley’s digital offerings to the group’s client base. Jaime also executes all money movement transactions, and measures service initiatives.
Community Involvement:
Faithful Friends in Wilmington, Volunteer
Habitat for Humanity ReStore, Volunteer
Leukemia & Lymphoma Society, Advocate
Community Involvement:
Faithful Friends in Wilmington, Volunteer
Habitat for Humanity ReStore, Volunteer
Leukemia & Lymphoma Society, Advocate
About Sarah Singh
Sarah Singh is an experienced Client Service Associate at Morgan Stanley, having joined the firm in 2013. With over a decade of experience in the financial services industry, Sarah plays a critical role in managing the service and proactive operations of client relationships, striving to help ensure an exceptional client experience. She is committed to delivering superior service and continually strives to exceed client expectations in her day-to-day responsibilities.
A proud Army veteran, Sarah served in Operation Iraqi Freedom in 2003, where she developed valuable leadership and problem-solving skills. She currently supports her spouse, a dedicated member of the U.S. Army with over 25 years of service. Her military background instills a strong sense of discipline, adaptability, and resilience, which she applies to her role at Morgan Stanley.
Sarah holds a Bachelor of Science Degree in Accounting, with a concentration in Tax Accountancy, from Kaplan University. She leverages her educational background to provide informed, accurate, and thorough service to her clients.
Outside of her professional responsibilities, Sarah remains passionate about supporting the military community and has developed a deep understanding of the unique financial needs faced by service members and their families.
A proud Army veteran, Sarah served in Operation Iraqi Freedom in 2003, where she developed valuable leadership and problem-solving skills. She currently supports her spouse, a dedicated member of the U.S. Army with over 25 years of service. Her military background instills a strong sense of discipline, adaptability, and resilience, which she applies to her role at Morgan Stanley.
Sarah holds a Bachelor of Science Degree in Accounting, with a concentration in Tax Accountancy, from Kaplan University. She leverages her educational background to provide informed, accurate, and thorough service to her clients.
Outside of her professional responsibilities, Sarah remains passionate about supporting the military community and has developed a deep understanding of the unique financial needs faced by service members and their families.
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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
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
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Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
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- Long Term Care Insurance
- Special Needs Planning
- Trust Services
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
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Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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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 Brandywine 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’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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When 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.
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.
6Products 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.
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.
8Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
9An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
10Alternative 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.
11Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
12Morgan 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
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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’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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When 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.
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.
6Products 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.
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.
8Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
9An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
10Alternative 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.
11Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
12Morgan 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
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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)
