Phone:
(706) 227-4013(706) 227-4013
The Bright Mountain Group at Morgan Stanley
Direct:
(706) 353-0001(706) 353-0001
Our Mission Statement
The Bright Mountain Group provides dedicated financial services to a select handful of families. Personal relationships of long standing are rooted, first and foremost, in listening to and understanding the unique situation of each client. Next, the team applies its experience and knowledge to craft bespoke investment strategies based on discipline and measurable progress, aimed at providing profitable outcomes for the families they serve.
Our Story and Services
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Suite of Digital Tools
Morgan Stanley's Modern Wealth Management Tools empower advisors to provide personalized and comprehensive guidance. Their user-friendly design enables a deeper understanding of a client's financial situation, leading to improved 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.
Total Wealth View
Seeing the full picture is difficult with only half the details. As a Morgan Stanley client, you can now easily view your accounts from other financial institutions through Morgan Stanley Online or the Morgan Stanley mobile App, giving you a more comprehensive view of your finances.
E-Delivery
Morgan Stanley Online offers a range of features designed to enhance your digital experience and strengthen security. One such tool, E-Delivery, enables you to securely access, save, print, send, and receive documents anytime through both Morgan Stanley Online and the Morgan Stanley Mobile App.
Goal Planning System
Our Goals Planning System (GPS) is an innovative platform built on Morgan Stanley's intellectual capital and capabilities, to provide our clients with comprehensive investing and planning solutions for their individual goals.
Valuable Tools
Our extensive suite of digital tools is designed to elevate every aspect of your financial life. These resources simplify complex financial analysis and research, delivering clear and easily digestible insights.
Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
Outlook for 2025: Portfolio Diversification and Trends
Dive into the outlooks for this upcoming year and explore how portfolio diversification could offer better risk-adjusted return.
Thoughts on the Market
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Tax Efficient Strategies
The tax decisions you make today can help you save for years to come. Consider these smart tax strategies for your financial plan.
What’s Your Relationship with Wealth
Before engaging in family wealth-planning conversations, you may want to examine your own feelings and attitudes about wealth. Here are some questions you can ask yourself.
Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. Members can enjoy special discounts and timely insights to support them at home and beyond.
Four Standout Investment Themes of 2025
Morgan Stanley's four major investment themes for 2025 offer investors a roadmap for investing for long-term growth.
You Can't Manage Portfolio Risk Without Seeing the Big Picture
What if there were a resource that could show you where your investment exposures are and how they might affect your returns in different scenarios?
A HOLISTIC PROCESS, WITH YOU IN THE DRIVER'S SEAT
As Financial Advisors, our mission is to help clients make some of life's most critical choices, as well as appropriate decisions for where they are and where they want to go. From saving for your dream retirement or planning for your child's future education expenses, together we will identify what matters most to you and ensure that your goals are achievable on your timeline.
Similar to a well-oiled machine, the "parts" of a financial plan either serve the strategy or they do not. We will diligently monitor your plan to take into account the changing circumstances of your life and the environment, managing risk at each step of the way.
Leveraging a sophisticated suite of analytical tools and decades of industry experience, our goal is for our clients to feel a sense of confidence knowing that their financial plan is on track.
1. Discovery
We begin with an organic discovery process of uncovering you and your family's most pertinent values, personal and financial circumstances, and pressing concerns to determine how we can add value. We will explore the lifestyle you enjoy and hope to lead in the future, key relationships, and the legacy you would like to leave behind for those who matter most to you. Collecting this information will enable us to capture your complete financial picture.
2. Analysis and Presentation
Based on our initial conversation, we will develop a tailored and cohesive financial plan that balances your attitudes as an investor, risks and opportunities in your profile, and an analysis of the financial markets. With your input, we will then present appropriate investment options and wealth management recommendations that work in tandem to preserve, optimize, and grow your wealth.
3. Implementation and Execution
Upon your approval, we will work diligently to ensure a seamless implementation of the various elements of your financial plan, finetuning each part to adjust for changing circumstances. Wherever appropriate, we will consult with other professional individuals in your trusted circle and suggest that you seek additional advice from subject matter experts on particularly complex issues.
4. Objective and Performance Review
With ongoing communication at the core of my client relationships, we are committed to keeping you abreast of any changing market conditions and delivering performance metrics, ultimately making certain that your plan continues to align with your goals and your timeline. We will keep a high degree of communication with you to help ensure that your concerns and requests are being addressed in a timely manner.
Helping Achieve Your Definition of Success
- Retirement "What If" Scenarios
- College (529) Funding Analysis
- Income & Cashflow Planning
- Donor Advised Funds
- Charitable Remainder Trusts
- IRA Qualified Charitable Distribution
- Asset Titling & Estate Distribution
- Wealth Transfer Strategies: Annual Gifting, Gift & Estate Exemption, Generation Skipping Transfers
- Trust Planning: ILITs, GRATs, SLATs, IDGTs, Dynasty Trusts, Special Needs Trusts
- Compensation Review: RSUs, NQ & ISO Options
- AMT & Tax Management Strategies
- Managing Concentrated Stock
- Restricted Stock: Rule 144 Guidance, 10b5-1 Plans
- Cash Management & Capital
- Succession & Exit Planning
- Tax & Liquidity Strategies
- Intra-Family Transfer Techniques
- Securities-Based Lending
- Home Loans
- Life Insurance Review
- Long-Term Care Planning
- Creditor Protection
Financial Planning
We'll help you understand the fundamentals of finance and put your resources to work so you can plan, invest and ultimately transition to retirement with confidence.
Charitable Gifting
No matter what your philanthropic ambitions, a Financial Advisor can help you translate good intentions into an impactful strategy by utilizing a variety of trusts, charitable vehicles and wealth management tools.
Estate Planning & Wealth Transfer
Guiding high-net-worth families with legacy planning and collaborating with external tax & legal advisors to execute estate planning strategies and integrate investment solutions.
Equity Compensation & Restricted Stock
The by-product of a successful career is often a concentrated position in your company stock – representing a significant portion of your personal net worth and a high level of complexity. We help clients understand their equity compensation and manage their concentrated stock positions.
Business Owners
Helping business owners with key strategic needs such as access to capital, plan administration and a variety of exit strategies.
Liability Management
A comprehensive wealth management plan often includes prudent borrowing to compliment your investment portfolio. Our lending services can help provide the necessary funding and flexibility as you manage potential opportunities or liquidity needs.
Insurance & Asset Protection
A sound wealth plan requires more than seeking returns. It involves mitigating and managing risks to help protect you when the unexpected occurs. Insurance, as part of your overall wealth plan, can help you get closer to achieving your retirement and legacy planning goals.
Location
225 S Milledge Ave
Athens, GA 30605
US
Direct:
(706) 353-0001(706) 353-0001
Meet The Bright Mountain Group
Executive Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director, Family Wealth Advisor, Certified Divorce Financial Analyst
Phone:
(706) 227-4007(706) 227-4007
Andrew Patten
Financial Advisor
Phone:
(706) 227-4027(706) 227-4027
Jennifer Moulton
Wealth Management Associate
Phone:
(706) 227-4023(706) 227-4023
Peri H. Bloodworth
Registered Client Service Associate
Phone:
(706) 227-4002(706) 227-4002
Theresa Foster
Sr. Registered Client Service Associate
Phone:
(706) 227-4005(706) 227-4005
About Me
With 20 years of experience in helping families establish and meet their financial goals, Teresa brings deep relationships and understanding to our team. She grew up in Eatonton and graduated from Georgia Tech in 1992. After a decade in product management for mobile sales force automation software, she transitioned to the financial services industry, where she found her ability to listen, understand, and communicate complex information could better serve individuals in navigating through retirement savings, estate planning and preparing for life’s uncertainties.
Teresa loves her community and believes in service, chairing the Lake Oconee Food & Wine Festival, which has raised over $2,000,000 for local children's charities. She also serves on the Eatonton Downtown Development Authority and was a middle school girls' basketball coach for ten years. Passionate about fitness, Teresa is an avid CrossFit athlete, enjoys golfing with her family and walking endless miles with her three Weimaraners.
Teresa loves her community and believes in service, chairing the Lake Oconee Food & Wine Festival, which has raised over $2,000,000 for local children's charities. She also serves on the Eatonton Downtown Development Authority and was a middle school girls' basketball coach for ten years. Passionate about fitness, Teresa is an avid CrossFit athlete, enjoys golfing with her family and walking endless miles with her three Weimaraners.
Securities Agent: OK, NJ, NH, IA, AK, LA, IN, IL, NV, NC, MI, TN, NY, MA, GA, AL, MD, UT, SC, OR, CO, WY, WI, OH, MN, FL, RI, TX, SD, HI, DC, CA, VA, MS, ME, KY, CT, AZ, AR, PA; General Securities Representative; Investment Advisor Representative
NMLS#: 2652606
NMLS#: 2652606
About Judd Doster
Judd is steady and process-driven. He works with families to create and put into motion complex financial and planning strategies. His twenty-five years’ experience is built upon developing customized plans and structured investment portfolios to help families achieve the positive results they seek.
After graduating from Georgia Tech with a degree in Management and Economics, Judd was recruited by IBM, where he gained experience and skills until migrating into the financial advisory world in 1996. He has achieved the certifications of Family Wealth Advisor, Portfolio Management Director, Certified Exit Planning Advisor, and Certified Divorce Financial Analyst.
Judd has been married to his wife Teresa for 30 years. They are the proud parents of Sam & Maggie and three lively Weimaraners, Arnold, Freddie, and Roxy.
In his free time, Judd is an enthusiastic golfer, a serious amateur chef, and donates time and energy to community service through his board positions – Gatewood School Board of Directors, Salem Campmeeting Board of Trustees, and Eatonton Putnam Water Authority Board Member.
After graduating from Georgia Tech with a degree in Management and Economics, Judd was recruited by IBM, where he gained experience and skills until migrating into the financial advisory world in 1996. He has achieved the certifications of Family Wealth Advisor, Portfolio Management Director, Certified Exit Planning Advisor, and Certified Divorce Financial Analyst.
Judd has been married to his wife Teresa for 30 years. They are the proud parents of Sam & Maggie and three lively Weimaraners, Arnold, Freddie, and Roxy.
In his free time, Judd is an enthusiastic golfer, a serious amateur chef, and donates time and energy to community service through his board positions – Gatewood School Board of Directors, Salem Campmeeting Board of Trustees, and Eatonton Putnam Water Authority Board Member.
Securities Agent: SD, NV, IN, GA, CO, AR, WI, NY, NH, NC, CT, AZ, MN, MD, DC, TX, TN, ME, KY, UT, SC, HI, CA, OR, NJ, MS, MA, FL, VA, PA, MI, LA, IL, AL, IA, RI, WY, OH, OK; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1290494
NMLS#: 1290494
About Andrew Patten
Andrew, a Financial Advisor, focuses on helping families organize their financial lives, establish meaningful goals, and create comprehensive plans for a secure future. He is a proud graduate of the University of Georgia's Terry College of Business and holds the Financial Planning Specialist designation. Andrew lives in Greensboro, GA with his wife Haley and enjoys golf, hunting, fishing, and skiing.
Securities Agent: PA, AR, RI, NY, NV, IN, SD, MS, IL, WY, VA, MI, FL, CA, AL, UT, SC, AZ, TX, OH, TN, OR, MD, KY, CT, WI, NJ, NC, ME, IA, MA, LA, GA, DC, CO, OK, NH, MN, HI; General Securities Representative; Investment Advisor Representative
NMLS#: 2109478
NMLS#: 2109478
About Jennifer Moulton
Jennifer, a Wealth Management Associate with over 25 years in the financial industry, has been with Morgan Stanley for 13+ years. She holds a degree in Management from Georgia Tech and lives in Bishop, GA with her husband Jeremy. Jennifer has two daughters, Maddie and Molly. Jennifer enjoys spending time with her family and watching the Atlanta Braves.
About Peri H. Bloodworth
Peri is a Registered Client Services Associate with over 3.5 years of industry experience. She graduated from Georgia College & State University and holds Series 7 and 66 licenses. Peri lives in Eatonton, GA with her husband Steven and their two dogs, Huk and Maverick. In her free time, she enjoys spending time with family and friends, traveling, and playing pickleball.
About Theresa Foster
Teri is a Senior Registered Service Associate with more than 10 years of experience in the financial services industry. She has supported many Financial Advisors and brings a wealth of knowledge to our team. Teri is originally from Syracuse, New York, and now resides in Athens, GA with her husband Johnny and her dog Rolo. She is involved in children's ministry at Athens Church and enjoys workout classes at Crunch.
Contact Teresa Doster
Contact Judd Doster
Contact Andrew Patten
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Nikki Roberts
Associate Private Banker
About Nikki Roberts
Nikki Roberts is a Private Banker serving Morgan Stanley Wealth Management offices in Georgia.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Nikki began her career in financial services in 2007, and joined Morgan Stanley in 2017. Prior to joining the firm, she was a Senior Wealth Management Lending Officer at Merrill Lynch. She also served as a Private Banker and Investment Analyst at JP Morgan’s Private Bank.
Nikki is a graduate of The Wharton School at the University of Pennsylvania, where she received a Bachelor of Science in Economics. She lives in Alpharetta, Georgia. Outside of the office, Nikki enjoys reading, listening to live music, and skiing. She volunteers with the Leukemia & Lymphoma Society and the University of Pennsylvania Alumni Club.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Nikki began her career in financial services in 2007, and joined Morgan Stanley in 2017. Prior to joining the firm, she was a Senior Wealth Management Lending Officer at Merrill Lynch. She also served as a Private Banker and Investment Analyst at JP Morgan’s Private Bank.
Nikki is a graduate of The Wharton School at the University of Pennsylvania, where she received a Bachelor of Science in Economics. She lives in Alpharetta, Georgia. Outside of the office, Nikki enjoys reading, listening to live music, and skiing. She volunteers with the Leukemia & Lymphoma Society and the University of Pennsylvania Alumni Club.
NMLS#: 821883
Wealth Management
From Our Team
Want to Keep More of Your Investment Returns? Consider These Tax Moves
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?
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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
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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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Ready to start a conversation? Contact The Bright Mountain 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 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
4Alternative 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.
5Morgan 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7The 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.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 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
4Alternative 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.
5Morgan 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7The 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.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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)
