Eric Bresnick
Vice President, Financial Advisor, Family Wealth Advisor
Phone:
(619) 668-4320(619) 668-4320
The Bresnick Group at Morgan Stanley
Direct:
(619) 668-4334(619) 668-4334
Our Mission Statement
Our team is passionate about building real relationships with our clients and helping them with their personalized investment and financial strategies
Our Story and Services
We are a San Diego based team that believes success in achieving important financial goals starts with a comprehensive wealth strategy. We will help you define what is most important to you and then formulate the strategies that are appropriate for your needs, whether you are accumulating wealth or investing for income, solidifying your retirement plan or devising a distribution approach that helps meet your lifestyle and legacy goals.
Services Include
- Wealth ManagementFootnote1
- Retirement PlanningFootnote2
- Professional Portfolio ManagementFootnote3
- 401(k) Rollovers
- Qualified Retirement PlansFootnote4
- Municipal BondsFootnote5
- Trust ServicesFootnote6
- Cash Management and Lending ProductsFootnote7
- Asset Management
- Endowments and FoundationsFootnote8
- Estate Planning StrategiesFootnote9
- Financial PlanningFootnote10
- Wealth PlanningFootnote11
- Sustainable InvestingFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Commonly Asked Questions
- Login to Morgan Stanley Online
- Click the "Accounts" tab at the top
- In the dropdown, proceed to "documents." To filter the documents, complete the following steps:
- From the drop-down menus (i.e., Account, Document Type, Statement Type, and Timeframe), select the applicable filter criteria options.
- Click Apply
- To view a document, click on the title of it (look for anything including "Tax")
- You will then be able to view any and all documentation in PDF Form
- Visit the Social Security Website
- Click "Set up or change direct deposit"
- Log in to your Social Security account
- Sign in and select the blue Benefits & Payment Details link on the right side of the screen
- Scroll down, select the Update Direct Deposit button and choose if you are the owner or co-owner of the account
- Enter your account information and select Next
- Review and verify your information and select Submit, then select Done
- You can also decide when your change will take effect by simply using the My Profile tab within My Social Security
- Log into Morgan Stanley Online
- Click on the "Add External Accounts" button
- Select the financial institution, enter your credentials and follow the guided prompts to complete the process.
- Log into Morgan Stanley Online
- Click on "Services"
- Click on "Profile and Settings"
- Click on "Account Settings"
- Click on "Trusted Contact"
- Log into Morgan Stanley Online
- Hover over "Pay, Transfers + Budget", then click "Transfers"
- On the Transfers screen, click "Manage External Accounts."
- On the Manage External Accounts screen, click "Add An External Account."
- On the Add An External Account screen, click "Continue."
- If your financial institutions is listed, click the appropriate financial institution name. If it is not listed, type the financial institution name in the search field and select it from the results.
- On the Enter Credentials scren, type your username and password for the selected financial institution and click "Submit."
- On the Select Account screen, click the desired account that you want to add for transfers.
- On the Verify Account screen, confirm all account information, and then click "Close" to complete the Instant Account Verification process.
How to Access Tax Forms
Social Security Direct Deposit Instructions
Add External Accounts for Total Wealth View
Add a Trusted Contact to Your Accounts
Add an External Account in Online Transfers
A LOOK INTO THE MARKETS
Here at Morgan Stanley, we strive to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future. Here at The Bresnick Group we are a firm believer of giving clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance, and fixed income.
Read The Latest Report
On The Markets Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy, and more.
Read the Latest Report
Thoughts on the Market
Mike Wilson's Thoughts on the Market is one of Morgan Stanley's most popular podcasts. Join Mike Wilson as he dives into the market, explaining complex topics in a concise, easy-to-understand way.
Listen to the latest episode
The Bresnick Group Brochure
Bresnick Group Brochure
Planning for Your Financial Future
Your financial goals and priorities will likely shift with time. To help prepare for the road ahead, ask yourself what matters to you and your family long term.
Click here to get started
Wealth Management Portoflio Insights
Timely market commentary, thought leadership and portfolio ideas from Morgan Stanley's Global Investment Office.
Learn More
5 Star Wealth Manager Award
View Award
Investment Management
At Morgan Stanley Investment Management, our goal is to provide strong long-term performance to a diverse client base.
Learn MoreFive Ideas
The latest thought leadership on markets, economics, global trends and more
1. Can European Stocks Stay in the Lead?
After lagging U.S. equities for years, European stocks are finally having a moment. Will it last?
Read More
2. What’s Behind the Recent Stock Tumble?
Our CIO and Chief U.S. Equity Strategist explains the challenges to growth for U.S. stocks and why some investors are looking to China and Europe.
Play Podcast
3. Megatrends: How AI and Tech Are Redefining Global Defense
Rising global defense commitments and technology innovation could unlock hundreds of billions more in spending, benefiting a variety of economic sectors. Where can investors find opportunities?
Read More
4. Cruises Set Sail for Private Islands
A shift to private destinations for cruise lines could affect both operators and guests by 2030. Our Europe Leisure & Travel analyst explains.
Play Podcast
5. ICYMI: Capital Markets Outlook 2025: 3 Trends Fueling a Resurgence
Favorable economic conditions have set up a potential rebound in M&A, private credit assets could reach $2.8 trillion and corporate spending on AI is poised to grow.
Read MoreDigital Tools
Morgan Stanley's suite of Modern Wealth Management Tools allows advisors to offer more customized and comprehensive advice. These tools' ease of use allows for a more in-depth view of a client's financial life to be taken, resulting in better service and more well-rounded advice.
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that you should take advantage of. They include:
- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
- eDelivery, which reduces paper documents sent by mail and can protect your personal information from getting into the hands of identity thieves
- Linking your accounts outside of Morgan Stanley, which can help you see your larger financial picture and allow us to have more informed wealth planning discussions
- Managing your everyday finances such as paying bills online, sending money or transferring funds.
Enroll Now- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
- eDelivery, which reduces paper documents sent by mail and can protect your personal information from getting into the hands of identity thieves
- Linking your accounts outside of Morgan Stanley, which can help you see your larger financial picture and allow us to have more informed wealth planning discussions
- Managing your everyday finances such as paying bills online, sending money or transferring funds.
Total Wealth View
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
Total Wealth ViewWe've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors.
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors.
Lifeview
LifeView is a suite of planning tools that includes goal-specific analysis that Financial Advisors can use with clients to create a realistic, holistic strategy that integrates the various aspects of an individual’s financial life, including investments and cash management needs.
LifeView provides progress-to-goals reporting and can also illustrate complex planning strategies such as methods of stock option exercise, Roth conversions and 401k early distributions under IRS Rule 72(t).
Lifeview SurveyLifeView provides progress-to-goals reporting and can also illustrate complex planning strategies such as methods of stock option exercise, Roth conversions and 401k early distributions under IRS Rule 72(t).
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.
Enroll Today
Social Security Direct Deposit
Direct deposit of your Social Security benefits into your Morgan Stanley Account is fast and convenient. It requires no envelopes or stamps, and no trips to your Morgan Stanley Branch.
SS Direct Deposit Instructions
Online Transfer
Morgan Stanley Online Transfers allows you to transfer funds between Morgan Stanley accounts or between your Morgan Stanley accounts and a verified account from another financial institution.
Transfer Client Guide
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk Platform
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Learn More
Morgan Stanley Mobile App
Securely access your Morgan Stanley account–from virtually anywhere.
Morgan Stanley Mobile AppLocation
101 West Broadway
Ste 1800
San Diego, CA 92101
US
Direct:
(619) 668-4334(619) 668-4334
Fax:
(800) 216-4679(800) 216-4679
Meet The Bresnick Group
Phil Bresnick, CWS®
Senior Vice President, Financial Advisor, Financial Planning Specialist, Portfolio Manager
Phone:
(619) 668-4334(619) 668-4334
Miriam Garcia
Senior Client Service Associate
Phone:
(619) 668-4355(619) 668-4355
About Eric Bresnick
After graduating from the University of Arizona, Eric began a career in the retail industry where he managed a mall based store. After 4 years of running his own retail store, he decided to join his father at Morgan Stanley.
Eric started at Morgan Stanley in 1999, and has been helping clients enhance their financial future ever since. Using what he learned in the retail world and his ability to develop strong relationships, Eric and his father, Phil, have grown The Bresnick Group to the practice it is today.
Eric has been helping clients build their wealth and achieve their dreams for over 20 years and has been a 5 Star Wealth Manager Award Winner for each of the previous 12 years.
Disclosures:
2013-2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2013-2025) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2025 Award- 2/13/2024 through 8/30/2024
2024 Award- 2/13/2023 through 08/31/2023
2023 Award- 03/21/22 through 09/16/22
2022 Award- 04/12/2021 through 10/15/2021
2021 Award- 03/30/2020 through 10/16/2020
2020 Award- 03/1/2019 through 10/18/2019
2019 Award- 03/23/2018 through 10/15/2018
2018 Award- 03/22/2017 through 10/17/2017
2017 Award- 02/25/2016 through 10/14/2016
2016 Award- 06/2/2015 through 10/23/2015
2015 Award- 06/2/2014 through 10/23/2014
2014 Award- 06/2/2013 through 10/23/2013
2013 Award- 6/2/2012 through 10/23/2012
Eric started at Morgan Stanley in 1999, and has been helping clients enhance their financial future ever since. Using what he learned in the retail world and his ability to develop strong relationships, Eric and his father, Phil, have grown The Bresnick Group to the practice it is today.
Eric has been helping clients build their wealth and achieve their dreams for over 20 years and has been a 5 Star Wealth Manager Award Winner for each of the previous 12 years.
Disclosures:
2013-2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2013-2025) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2025 Award- 2/13/2024 through 8/30/2024
2024 Award- 2/13/2023 through 08/31/2023
2023 Award- 03/21/22 through 09/16/22
2022 Award- 04/12/2021 through 10/15/2021
2021 Award- 03/30/2020 through 10/16/2020
2020 Award- 03/1/2019 through 10/18/2019
2019 Award- 03/23/2018 through 10/15/2018
2018 Award- 03/22/2017 through 10/17/2017
2017 Award- 02/25/2016 through 10/14/2016
2016 Award- 06/2/2015 through 10/23/2015
2015 Award- 06/2/2014 through 10/23/2014
2014 Award- 06/2/2013 through 10/23/2013
2013 Award- 6/2/2012 through 10/23/2012
Securities Agent: KY, CO, PA, ME, IL, TX, WA, SC, AZ, VA, CA, AK, OH, LA, HI, UT, NV, NJ, MA, OR, NY, FL, NC, MD; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1312571
CA Insurance License #: 0C94060
NMLS#: 1312571
CA Insurance License #: 0C94060
About Phil Bresnick
Phil launched his career at Morgan Stanley in 1983. After selling his family business he developed a personal interest for investing. He realized he could use his passion and knowledge to help others grow wealth for themselves, their families, and future generations. After growing up in New York, Phil later relocated to California where he now shares a practice with his son.
Phil’s son Eric joined the practice in 1999 and they have dedicated their focus on client based investment strategies where the goals of each client is at the center of their customized approach.
Phil is a 5 Star Wealth Manager Award Winner for each of the previous 13 years.
Phil has attained the Morgan Stanley Firm sponsored designations: Financial Planning Specialist, Family Wealth Advisor, Investment Management Consultant and Portfolio Manager.
Phil is active and in good standing with the CWS® Board of Standards, having received his Certified Wealth Strategist credentials in 2007.
Disclosures:
2013-2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2013-2025) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2025 Award- 2/13/2024 through 8/30/2024
2024 Award- 2/13/2023 through 08/31/2023
2023 Award- 03/21/22 through 09/16/22
2022 Award- 04/12/2021 through 10/15/2021
2021 Award- 03/30/2020 through 10/16/2020
2020 Award- 03/1/2019 through 10/18/2019
2019 Award- 03/23/2018 through 10/15/2018
2018 Award- 03/22/2017 through 10/17/2017
2017 Award- 02/25/2016 through 10/14/2016
2016 Award- 06/2/2015 through 10/23/2015
2015 Award- 06/2/2014 through 10/23/2014
2014 Award- 06/2/2013 through 10/23/2013
2013 Award- 6/2/2012 through 10/23/2012
Phil’s son Eric joined the practice in 1999 and they have dedicated their focus on client based investment strategies where the goals of each client is at the center of their customized approach.
Phil is a 5 Star Wealth Manager Award Winner for each of the previous 13 years.
Phil has attained the Morgan Stanley Firm sponsored designations: Financial Planning Specialist, Family Wealth Advisor, Investment Management Consultant and Portfolio Manager.
Phil is active and in good standing with the CWS® Board of Standards, having received his Certified Wealth Strategist credentials in 2007.
Disclosures:
2013-2025 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2013-2025) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2025 Award- 2/13/2024 through 8/30/2024
2024 Award- 2/13/2023 through 08/31/2023
2023 Award- 03/21/22 through 09/16/22
2022 Award- 04/12/2021 through 10/15/2021
2021 Award- 03/30/2020 through 10/16/2020
2020 Award- 03/1/2019 through 10/18/2019
2019 Award- 03/23/2018 through 10/15/2018
2018 Award- 03/22/2017 through 10/17/2017
2017 Award- 02/25/2016 through 10/14/2016
2016 Award- 06/2/2015 through 10/23/2015
2015 Award- 06/2/2014 through 10/23/2014
2014 Award- 06/2/2013 through 10/23/2013
2013 Award- 6/2/2012 through 10/23/2012
Securities Agent: OR, FL, NY, ME, TX, NJ, MD, UT, PA, LA, MA, KY, IL, WA, VA, NM, AK, NC, HI, CO, AZ, SC, OH, WI, NV, CA; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1401662
CA Insurance License #: 0A05261
NMLS#: 1401662
CA Insurance License #: 0A05261
About Miriam Garcia
As her team’s go-to problem solver, Miriam manages new accounts and fosters an efficient office environment. With over 20 years of experience in the financial industry she helps her team with an array of matters. Knowledgeable and dependable, Miriam is committed to provide exceptional client service and building lasting relationships while helping advisors do the best job possible.
In her spare time, Miriam enjoys spending quality time with her husband and 2 daughters and watching her daughter play college soccer.
In her spare time, Miriam enjoys spending quality time with her husband and 2 daughters and watching her daughter play college soccer.
Contact Eric Bresnick
Contact Phil Bresnick
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
Article Image
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact The Bresnick Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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’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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Municipal 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.
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.
7Morgan 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
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
10Morgan Stanley 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.
11Morgan 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.
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.
12The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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
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’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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Municipal 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.
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.
7Morgan 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
8Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
9Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
10Morgan Stanley 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.
11Morgan 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.
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.
12The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
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The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
