Christopher Brewer
Senior Vice President, Financial Advisor
Phone:
(541) 617-6021(541) 617-6021
The Brewer Group at Morgan Stanley
Direct:
(541) 617-6021(541) 617-6021
Our Mission Statement
Dedicated to helping you build and preserve your wealth through personalized planning solutions and sustainable investing services designed to help strengthen your financial security, so you can focus on what brings true meaning to your life and legacy.
Our Story
We are an experienced family practice offering a caring and personalized approach to financial planning and investment management.
Since 1988, we have focused on serving the specialized needs of successful individuals and families living on the west coast and around the country. With an emphasis on sustainable investing, we have immediate access to the wide array of world-class tools and resources from our global firm and strategically put these services to work for you.
Financial Strategies for Life
As a multigenerational team helping multigenerational families, we understand the importance of family and the desire to leave an enduring legacy. We have acquired the knowledge and skills needed to serve as your single point of contact for all your family wealth needs.
Most importantly, we deliver a dynamic approach that not only offers continuity across generations, but a balance of perspectives that helps you – and your family – make more informed and confident decisions.
The Brewer Group Advantage
Our clients come to us with a complex range of needs, goals and circumstances. Some are planning for retirement, while others are making decisions about a family business. Some are already retired and concerned about running out of money, while still others are looking to build their legacy to support an important personal cause.
Whatever your particular concerns are, we are here for you and committed to understanding your total financial picture. We combine our wisdom, market insights and technical skills to think strategically on your behalf. We then perform the forward-thinking research and analysis required to provide a comprehensive financial plan that helps to provide you with a level of comfort, knowing your finances are in capable hands.
Since 1988, we have focused on serving the specialized needs of successful individuals and families living on the west coast and around the country. With an emphasis on sustainable investing, we have immediate access to the wide array of world-class tools and resources from our global firm and strategically put these services to work for you.
Financial Strategies for Life
As a multigenerational team helping multigenerational families, we understand the importance of family and the desire to leave an enduring legacy. We have acquired the knowledge and skills needed to serve as your single point of contact for all your family wealth needs.
Most importantly, we deliver a dynamic approach that not only offers continuity across generations, but a balance of perspectives that helps you – and your family – make more informed and confident decisions.
The Brewer Group Advantage
Our clients come to us with a complex range of needs, goals and circumstances. Some are planning for retirement, while others are making decisions about a family business. Some are already retired and concerned about running out of money, while still others are looking to build their legacy to support an important personal cause.
Whatever your particular concerns are, we are here for you and committed to understanding your total financial picture. We combine our wisdom, market insights and technical skills to think strategically on your behalf. We then perform the forward-thinking research and analysis required to provide a comprehensive financial plan that helps to provide you with a level of comfort, knowing your finances are in capable hands.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Sustainable InvestingFootnote3
- Professional Portfolio ManagementFootnote4
- Retirement PlanningFootnote5
- 401(k) Rollovers
- Asset Management
- Estate Planning StrategiesFootnote6
- Alternative InvestmentsFootnote7
- Trust AccountsFootnote8
- Cash Management and Lending ProductsFootnote9
- Life InsuranceFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Making a Difference One Family at a Time
Our clients count on us to manage their money with diligence and care. We understand the challenges of wealth and have decades of experience helping families simplify their increasingly complex lives, so they can enjoy their wealth and live the lifestyle they choose.
Our ultimate goal is to make a real difference in your life, helping to obtain financial success for you and the generations that follow. We are committed to the following core tenets that we believe serve as the foundation of our practice and set us apart from other advisory teams.
Our ultimate goal is to make a real difference in your life, helping to obtain financial success for you and the generations that follow. We are committed to the following core tenets that we believe serve as the foundation of our practice and set us apart from other advisory teams.
Deep Knowledge and Experience
The team is focused on providing each client with outstanding service and the finest individually tailored approach to financial and investment strategies. Chances are your current financial situation is one we have significant knowledge and understanding. We look forward to sharing our insights with you and hope to be your first call -- no matter how simple or complex the circumstance.
Multi-Generational Team
We are a closely-knit advisory team who understands the importance of family and the financial freedom to pursue personal interests. Working together, we offer a generational approach to managing wealth that provides a balance of perspectives to help you – and your family – make informed decisions about your wealth now and for the years that follow.
A Commitment to Financial Planning
We deliver a powerful combination of experience and education. From investment management to estate planning and everything in between, we provide the solutions needed to achieve your life goals. We believe the more complex your situation, the more valuable we are to you, and the more rewarding your overall experience with us will be.
Total Wealth Management
As an experienced advisory team, we take a holistic approach to wealth management. We provide resources to manage the complexities of all your financial needs under one roof. As a multigenerational team with diverse life experiences, we offer broad perspectives to address many different challenges and circumstances. We integrate all of your assets – including those outside of the firm, as well as the benefits you receive from your employer – into your overall plan to help optimize performance and minimize risk. We listen to you to understand what is most important and provide strategies that are tailored to your particular situation.
Doing Well by Doing Good
As your personal wealth grows, so does your ability to create positive change for the organizations and causes important to you. Our investment platform offers a thoughtful approach for those seeking to invest more deliberately in social and environmental causes. By incorporating sustainable investments into your overall financial plan, you can align your personal finances with your family values.
Your Single Point of Contact
We commit to being your single point of contact for all things financially related. Our disciplined process begins with a thorough financial plan to understand your goals and concerns, which in turn, drives the strategies and services we tailor for you. As a team we collaborate to help ensure your plan remains comprehensive, cohesive, and coordinated. One of our goals is to make it easy for our clients to ask any questions on almost any subject, even if it's not related to finance.
Our Commitment to the Community
Through our volunteer activities, we remain committed to sustaining the character of our community, while helping create an even better and brighter future for our children and grandchildren.
After seeing first-hand the impact of our efforts, we have developed a suite of investment options that seek to demonstrate positive social and environmental impact.
After seeing first-hand the impact of our efforts, we have developed a suite of investment options that seek to demonstrate positive social and environmental impact.
The Organizations We Support
Collectively and individually, we support the following organizations through volunteer activities and serving in leadership roles:
Deschutes Children’s Foundation - Chris is a current Board member
Mt. Bachelor Rotary
United Way of Central Oregon Member
Humane Society of Central Oregon
Deschutes Children’s Foundation - Chris is a current Board member
Mt. Bachelor Rotary
United Way of Central Oregon Member
Humane Society of Central Oregon
Our Goals-Based Process
Our process takes a comprehensive view of your life. In our initial conversations, we talk about your family and personal aspirations. We learn about the hopes and dreams you have for your future and the legacy you’d like to leave.
What we discover together becomes the foundation for a detailed financial plan that is based on who you are and where you want to go. Over time, we regularly review and revise your financial plan to reflect new priorities in your life and changes in the marketplace.
What we discover together becomes the foundation for a detailed financial plan that is based on who you are and where you want to go. Over time, we regularly review and revise your financial plan to reflect new priorities in your life and changes in the marketplace.
1: Discovery & Goal Setting
We begin with an in-depth conversation to understand what is important to you, your family and your legacy. We learn about the values that shape your decisions and identify any circumstances unique to your personal situation. We collect important financial information and identify your top priorities.
2: Analysis & Strategy Development
Here, we conduct a detailed analysis of your financial situation using various financial planning and risk analysis tools. We then develop a detailed financial plan with recommendations to help you effectively build, preserve and transfer your wealth. This analysis serves as the foundation for your initial plan, as well as future wealth management decisions.
3: Financial Plan Presentation
In this step, we present your plan in detail, which includes recommendations to make your life better. These may include changes to your asset allocation and investment strategy, as well as advice on particularly complex issues, such as estate planning and tax minimization strategies. Once we’ve discussed and refined your plan, we identify the specific investments to support the recommendations we presented.
4: Implementation
Upon your approval, we’ll begin to implement the strategies outlined in your plan. Once your assets have been transferred to Morgan Stanley and are aligned with your investment strategy, we walk you through the details of your new statement and introduce all the new tools and resources now available to you.
5: Ongoing Service
Milestones like buying and selling a home, retirement, or starting or selling a business can all have a significant impact on your overall wealth. We monitor progress towards each goal, adjusting your financial plan accordingly as changes in your life occur.
Our Core Goals:
• Lifestyle Management
• Asset Growth & Preservation
• Longevity Planning
• Risk Management
• Legacy Planning
• Asset Growth & Preservation
• Longevity Planning
• Risk Management
• Legacy Planning
RESOURCES FOR YOU
Our personalized wealth management process is designed to create a roadmap for your financial future. Through leveraging our vast resources, your personalized wealth strategy will be created to help achieve and protect your goals, with the ability to be adapted properly with the forever changing circumstances. Here are a few examples of the many Modern Wealth Management resources that are offered to our clients.
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
Learn more about Total Wealth View
Morgan Stanley Online
Morgan Stanley Online (MSO) offers a suite of features and services that allow you to manage your everyday finances from one place. Everything accessible under one platform to assist staying on top of all your financial accounts.
Learn more about Morgan Stanley Online
Goals-Based Planning
Our goals-based planning system (GPS) is built on intellectual capital and capabilities to provide our clients with a comprehensive solution for their unique goals. GPS is an intuitive and efficient platform to ensure clients will have a successful financial plan.
Learn more about Goals-Based Planning
LifeView- Intelligent Planning
LifeView is a suite of planning tools that includes goals specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates various aspects of an individual's financial life, such as investments and cash management needs. Fill out the questionnaire to get started talking with us about creating a personalized strategy for your long-term goals.
Fill out Questionnaire here
Portfolio Risk Platform
Our Portfolio Risk Platform is powered by Blackrock's Aladdin engine, a risk management platform that provides comprehensive risk estimation and reporting from a holistic view of your portfolio.
Watch video here
Spending and Budgeting tool
Spending and Budgeting allows clients to manage their budget and cash flow across all their accounts -- both at Morgan Stanley and those held at outside financial institutions. Available on Morgan Stanley Online and the Morgan Stanley Mobile App.
Learn more about this toolMaking a Difference through Personal Investments
Investors of all demographics are seeking meaningful ways to create positive economic, social, and environmental impact through the investments they make in their portfolio. This is often referred to as “Sustainable Investing,” “Investing with Impact” or “Socially-Responsible Investing.” This discipline aims to align financial goals, which are driven by economic fundamentals, with impact goals, which are driven by personal values and mission.
At The Brewer Wadsworth Group, we have cultivated the knowledge, strategies and tools needed to integrate sustainable investing themes across your entire portfolio or into select allocations. We are here to answer any questions you may have and to help you make appropriate decisions.
At The Brewer Wadsworth Group, we have cultivated the knowledge, strategies and tools needed to integrate sustainable investing themes across your entire portfolio or into select allocations. We are here to answer any questions you may have and to help you make appropriate decisions.
Restriction Screening
Manage Exposures by intentionally avoiding investments that generate income from objectionable activities, sectors, or geographies.
Thematic Exposure
Focus on themes and sectors dedicated to solving sustainability related domestic and global challenges.
Environmental, Social and Governance (ESG) Integration
Proactively consider ESG criteria alongside Financial Analysis to identify opportunities and risks during the investment process.
Impact Investing
Allocate funds focused on private enterprises that are structured to deliver specific positive social and/or environmental.
Location
705 SW Bonnett Way
Ste 1200
Bend, OR 97702
US
Direct:
(541) 617-6021(541) 617-6021
Meet The Brewer Group
Carol C. Scott
Portfolio Associate, Financial Planning Specialist
Phone:
(541) 617-6011(541) 617-6011
About Christopher Brewer
Chris is dedicated to serving the specialized needs of successful professionals, business leaders and families living in Oregon and the Pacific Northwest. His focus is to work closely with his clients to solve their financial challenges, educating them on how to invest wisely in today’s market environment.
Chris enjoys working with like-minded clients who value and appreciate the level of skill and service the Brewer Group delivers. His results-driven process begins with asking the right questions and actively listening. This information then serves as the foundation for the development of a comprehensive plan and investment portfolio that reflects each client’s goals for the future. Chris focuses on helping his clients simplify their financial lives so they can enjoy the wealth they are working so hard to create.
Chris and his wife, Alicia, enjoy raising their two young children, Weston and Madeline, in his hometown of Bend. Favorite leisure activities include golf, skiing, curling in a local winter league and cheering on his Oregon Ducks. A true “foodie,” Chris enjoys cooking, learning new techniques and recipes, and trying new restaurants and cuisines. He is also a big history buff and loves sharing his love of music with his family and friends.
Chris enjoys working with like-minded clients who value and appreciate the level of skill and service the Brewer Group delivers. His results-driven process begins with asking the right questions and actively listening. This information then serves as the foundation for the development of a comprehensive plan and investment portfolio that reflects each client’s goals for the future. Chris focuses on helping his clients simplify their financial lives so they can enjoy the wealth they are working so hard to create.
Chris and his wife, Alicia, enjoy raising their two young children, Weston and Madeline, in his hometown of Bend. Favorite leisure activities include golf, skiing, curling in a local winter league and cheering on his Oregon Ducks. A true “foodie,” Chris enjoys cooking, learning new techniques and recipes, and trying new restaurants and cuisines. He is also a big history buff and loves sharing his love of music with his family and friends.
Securities Agent: FL, WY, TN, WA, VT, HI, CO, TX, OR, NC, VA, NE, MI, DC, CA, AZ, PA, NV, CT, OH, MD, WI, UT, NY, MO, IL, ID; General Securities Representative; Investment Advisor Representative
NMLS#: 1312738
CA Insurance License #: 0K39579
NMLS#: 1312738
CA Insurance License #: 0K39579
About Carol C. Scott
An experienced professional, Carol is firmly committed to the continued growth and success of the Brewer Group and the families they proudly represent. Serving as team administer, she is responsible for managing the group’s daily operations, including client cash management and lending services, opening and servicing client accounts and building financial plans. She also manages the team’s marketing and business development activities. Carol combines her prior banking experience with operational excellence to identify service solutions that deepen client relationships and help ensure an excellent client experience.
Carol began her career in banking over 30 years ago. Over the years, she has worked for several large financial institutions, including Shearson Lehman, A.G. Edwards and Merrill Lynch. She joined Morgan Stanley in 2009 and has been a vital member of Bill’s team for more than 25 years. She maintains her FINRA Series 7, 63 and 66 licenses, as well as her life, annuity, health and long-term care licenses.
Born in Newport, OR, Carol has lived in Bend for more than 30 years. She and her husband, Jim, have a grown daughter, Kayla, who now lives in Virginia with her two children, Lily and Emre. Eleven years ago, Carol and Jim welcomed their son, Jacob, from China. Today, Jacob is a very busy 14-year old. Born visually impaired, this experience has given Carol and her family the opportunity to become involved with two very important organizations, the Northwest Association for Blind Athletes (NWABA) and the National Organization for Albinism and Hypopigmentation (NOAH).
In her free time, Carol spends a lot of time outdoors. One of her favorite activities is hiking, both in town and in the mountains. She also enjoys weekend camping trips and kayaking with her family.
Carol began her career in banking over 30 years ago. Over the years, she has worked for several large financial institutions, including Shearson Lehman, A.G. Edwards and Merrill Lynch. She joined Morgan Stanley in 2009 and has been a vital member of Bill’s team for more than 25 years. She maintains her FINRA Series 7, 63 and 66 licenses, as well as her life, annuity, health and long-term care licenses.
Born in Newport, OR, Carol has lived in Bend for more than 30 years. She and her husband, Jim, have a grown daughter, Kayla, who now lives in Virginia with her two children, Lily and Emre. Eleven years ago, Carol and Jim welcomed their son, Jacob, from China. Today, Jacob is a very busy 14-year old. Born visually impaired, this experience has given Carol and her family the opportunity to become involved with two very important organizations, the Northwest Association for Blind Athletes (NWABA) and the National Organization for Albinism and Hypopigmentation (NOAH).
In her free time, Carol spends a lot of time outdoors. One of her favorite activities is hiking, both in town and in the mountains. She also enjoys weekend camping trips and kayaking with her family.
CA Insurance License #: 4017578
Contact Christopher Brewer
Wealth Management
From Our Team
Understanding Your Retirement Plan Options When You Leave a Job
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
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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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Ready to start a conversation? Contact The Brewer Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
3The 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.
4Morgan 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.
5When 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.
6Morgan 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.
7Alternative 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.
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 and other legal matters.
9Morgan 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
10Insurance 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
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.
3The 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.
4Morgan 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.
5When 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.
6Morgan 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.
7Alternative 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.
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 and other legal matters.
9Morgan 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
10Insurance 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)