Ted H Pohl, CIMA®, CFP®, CPM®
Senior Vice President, Financial Advisor, Family Wealth Director, Senior Portfolio Manager
Phone:
(727) 773-4622(727) 773-4622
The Brightwater Wealth Management Group at Morgan Stanley
Ted H Pohl, CIMA®, CFP®, CPM®Daniel C Richardson, CFP®Linda Goodson, CFP®, RICP®Eban Barnett, CIMA®, CFP®Lindsey Pohl, QPFC
Direct:
(727) 773-4622(727) 773-4622
Toll-Free:
(800) 473-7149(800) 473-7149
Our Mission Statement
Our mission is to build lifelong relationships with our clients, offering you personalized financial planning to reach your specific goals and secure your family’s financial future.
Welcome
As you reach a certain level of financial success, managing your assets can turn into a full-time job, or even become an overwhelming challenge. The investment choices available to you become more varied and complex, and the strategies to efficiently transfer wealth and fulfill your philanthropic ambitions become increasingly sophisticated.
Our goal is to understand your vision, preferences and unique circumstances so that we can work with you to help develop an overall wealth management strategy that meets your needs.
Together, we determine a target rate of investment return designed to achieve your goals, and create a plan that minimizes risk to get there. By providing a comprehensive array of wealth management services, we help ensure that every financial decision serves your long-term goals.
Our goal is to understand your vision, preferences and unique circumstances so that we can work with you to help develop an overall wealth management strategy that meets your needs.
Together, we determine a target rate of investment return designed to achieve your goals, and create a plan that minimizes risk to get there. By providing a comprehensive array of wealth management services, we help ensure that every financial decision serves your long-term goals.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
You Are Our Focus
We work closely with you to understand your needs while maintaining the focus and discipline to help guide your portfolio through the most challenging market cycles.
1. Introduction & Discovery
• Comprehensive discussion of your values, goals and objectives and priorities.
• Understand family dynamics and legacy planning needs.
• Team overview and wealth management process, including how we add value.
• Business overview and outside interests.
• Compiling your statements, tax returns, estate plan documents, etc., for review.
• Opening dialogues with your accountant and attorney required.
• Understand family dynamics and legacy planning needs.
• Team overview and wealth management process, including how we add value.
• Business overview and outside interests.
• Compiling your statements, tax returns, estate plan documents, etc., for review.
• Opening dialogues with your accountant and attorney required.
3. Ongoing Process
• Track progress towards goals.
• Monitor progress and recommend investment and tactical allocation changes as needed.
• Adapt strategy for any changes of your financial plan.
• Manage dynamics of family communication.
• Keep you, your accountant and attorney informed to help you navigate options of complex wealth.
• Be there for you and your family when life events trigger financial plan changes.
• Monitor progress and recommend investment and tactical allocation changes as needed.
• Adapt strategy for any changes of your financial plan.
• Manage dynamics of family communication.
• Keep you, your accountant and attorney informed to help you navigate options of complex wealth.
• Be there for you and your family when life events trigger financial plan changes.
2. Follow-up Recommendations
• Present your current financial snapshot, based on your input and prioritization of your goals.
• Deliver our initial thoughts on your current situation.
• Recommend direction for investment allocation and risk management strategies.
• Develop a financial plan for lifestyle and legacy needs.
• Coordinate and consolidate financial assets.
• Establish desired service schedule and preferred method of communication.
• Deliver our initial thoughts on your current situation.
• Recommend direction for investment allocation and risk management strategies.
• Develop a financial plan for lifestyle and legacy needs.
• Coordinate and consolidate financial assets.
• Establish desired service schedule and preferred method of communication.
Our Commitment
We work to provide you and your family with the insight, service and resources you need to address your financial challenges and work toward your most
important life goals. We understand the demands you face, and we know the level of client service you require from a wealth management team.
important life goals. We understand the demands you face, and we know the level of client service you require from a wealth management team.
Commitment To Exceptional Client Service
Our Brightwater Wealth Management Group is devoted to
serving you and we believe in a premium level of client service. We value our relationships and are available to address your needs beyond the traditional Nine-to-five day. We are honored that many of our client relationships span a decade or more and now extend into multiple generations of some families. We are proud that our clients not only trust us to help build their futures, but to help build the futures of their children and grandchildren.
serving you and we believe in a premium level of client service. We value our relationships and are available to address your needs beyond the traditional Nine-to-five day. We are honored that many of our client relationships span a decade or more and now extend into multiple generations of some families. We are proud that our clients not only trust us to help build their futures, but to help build the futures of their children and grandchildren.
Client Centric
A high level of commitment to our clients begins with keeping our client base small. We invite potential clients to meet with us to share their needs and expectations. We look forward to working with families who seek the kind of long-term, fully engaged relationship we provide. The relationship we form with our clients is fundamental to our commitment and it is our hope it lasts a lifetime.
Investment Commitment
We know that our clients have dedicated most of their lives to building their businesses and careers. They have worked hard to create wealth for themselves and their families and need their wealth to continue to work for them. Using our client’s goals as our blueprint, we create a target-based strategy aimed at helping them create and maintain the lifestyle they desire, while reducing unnecessary risks for the returns.
Capability
Our team has a concentration of experience, education and skills that is rare in a group of Financial Advisors. As designated Family Wealth Directors and Certified Financial Planners, we develop custom solutions to help create and protect your financial future. As a team we dedicate ourselves to staying current with the most up-to-date ideas and practices through advanced certifications. We use our extensive technical and analytical skills to research, evaluate and choose investments best suited for our clients’ needs and goals.
WORKING WITH A FAMILY WEALTH DIRECTOR
Family Wealth Director is a rare distinction, currently earned by approximately 4% of Morgan Stanley’s 16,000 Financial Advisors. The designation is given to those who have extensive experience working with ultra-high net worth families, and who have undergone specialized training. Family Wealth Directors have direct access to an extensive range of resources needed to help highly affluent families manage the complex, multigenerational challenges of managing significant wealth.
Comprehensive Approach
Following an integrated approach to planning, your Family Wealth Director will work with you and your family to help you develop a comprehensive plan that incorporates issues of family dynamics, wealth transfer, asset protection and location, and business succession planning.
Key Areas of Focus
• Maintain family unity across generations, focusing on family mission, governance, conflict management and family endowments.
• Ease administration burdens by managing some of the most complex aspects of your life.
• Manage wealth with a long-term view and an unwavering focus on your family’s interests.
• Ease administration burdens by managing some of the most complex aspects of your life.
• Manage wealth with a long-term view and an unwavering focus on your family’s interests.
Secure Your Family's Future
• Consider ways to protect your assets and transfer them efficiently to the next generation and the causes and institutions you support.
• Develop strategies that pass down family values as well as family assets.
• Access specialized ultra-high net worth resources and strategies tailored specifically to your needs and goals.
• Develop strategies that pass down family values as well as family assets.
• Access specialized ultra-high net worth resources and strategies tailored specifically to your needs and goals.
Location
4114 Woodlands Parkway
Suite 200
Palm Harbor, FL 34685
US
Direct:
(727) 773-4622(727) 773-4622
Toll-Free:
(800) 473-7149(800) 473-7149
Meet The Brightwater Wealth Management Group
Daniel C Richardson, CFP®
Senior Vice President, Financial Advisor, Family Wealth Director
Phone:
(727) 773-4621(727) 773-4621
Linda Goodson, CFP®, RICP®
Senior Vice President, Financial Advisor, Family Wealth Advisor
Phone:
(727) 773-4665(727) 773-4665
Phone:
(727) 773-4611(727) 773-4611
Jon Cooney
Vice President, Consulting Group Analyst
Phone:
(727) 773-4613(727) 773-4613
Lindsey Pohl, QPFC
Financial Advisor
Phone:
(727) 773-4617(727) 773-4617
Elena Richardson
Registered Client Service Associate
Phone:
(727) 773-4618(727) 773-4618
About Ted H Pohl
Credentials
Family Wealth Director, Portfolio Management Director – Morgan Stanley
CERTIFIED PORTFOLIO MANAGER® certification – Columbia University
CERTIFIED FINANCIAL PLANNER® certification - Rollins College
CERTIFIED INVESTMENT MANAGEMENT ANALYST® certification – The Wharton School
Investment Strategist Program – The Wharton School
Master’s degrees in Financial Services and Management – The American College
Bachelor’s degree in Business/Finance – University of Florida
IMCA Applied Behavioral Finance Program
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC for the period 3/31/22-3/31/23
Ted has over 27 years of experience delivering collaborative wealth management solutions to high net- worth clients. Starting his career in 1995 at Merrill Lynch. Ted moved their team to Morgan Stanley and were joined by a long-term colleague, Dan Richardson. This was the beginning of the Brightwater Wealth Management Group. Ted and Dan earned the Family Wealth Director certification at Morgan Stanley of which only a few percentage of Financial Advisors obtain. Ted and Laura, his wife of 30 years, have three adult children, Lindsey, Mikaela and Carson. He enjoys being outdoors, especially if golf is involved.
Current Member of:
The Investment Management Consultants Association
The Academy of Certified Portfolio Managers
Family Wealth Director, Portfolio Management Director – Morgan Stanley
CERTIFIED PORTFOLIO MANAGER® certification – Columbia University
CERTIFIED FINANCIAL PLANNER® certification - Rollins College
CERTIFIED INVESTMENT MANAGEMENT ANALYST® certification – The Wharton School
Investment Strategist Program – The Wharton School
Master’s degrees in Financial Services and Management – The American College
Bachelor’s degree in Business/Finance – University of Florida
IMCA Applied Behavioral Finance Program
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC for the period 3/31/22-3/31/23
Ted has over 27 years of experience delivering collaborative wealth management solutions to high net- worth clients. Starting his career in 1995 at Merrill Lynch. Ted moved their team to Morgan Stanley and were joined by a long-term colleague, Dan Richardson. This was the beginning of the Brightwater Wealth Management Group. Ted and Dan earned the Family Wealth Director certification at Morgan Stanley of which only a few percentage of Financial Advisors obtain. Ted and Laura, his wife of 30 years, have three adult children, Lindsey, Mikaela and Carson. He enjoys being outdoors, especially if golf is involved.
Current Member of:
The Investment Management Consultants Association
The Academy of Certified Portfolio Managers
Securities Agent: GA, AZ, NC, MA, LA, MI, DC, TX, OH, CA, NY, MO, IN, OR, NJ, FL, VA, PA, MN, KS, IL, WI, UT, TN, SC; General Securities Principal; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282587
CA Insurance License #: #0F513454
NMLS#: 1282587
CA Insurance License #: #0F513454
About Daniel C Richardson
Credentials
Family Wealth Director designation (currently earned by approximately only 4% of all Morgan Stanley Advisors) and CERTIFIED FINANCIAL PLANNER (CFP®).
More than 30 years of experience in Wealth Management, advising clients on Investments, financial and estate planning strategy, insurance and providing access to cash management and lending solutions.
Skilled in Trust planning, tax planning, retirement planning.
Bachelor’s degree, with distinction, in Business Management, from Eckerd College.
Past adjunct faculty at St. Pete’s College and Nova Southeastern University.
Past President of the West Central Council of the Boy Scouts of America.
Past President and Chairman of Florida Hospital North Pinellas Foundation Board.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC for the period 3/31/22-3/31/23
Daniel Richardson is a Palm Harbor native and before coming to Morgan Stanley spent many years as a banker including his position as the City President for Private Client Group at Bank of America. Dan has a passion for comedy and philanthropy and is involved with comedy shows for people battling cancer, even doing some comedy himself. A very active member of his community, Dan sponsors multiple youth fishing programs in the Tampa Bay Area and is very active in his church.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Morgan 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.
Family Wealth Director designation (currently earned by approximately only 4% of all Morgan Stanley Advisors) and CERTIFIED FINANCIAL PLANNER (CFP®).
More than 30 years of experience in Wealth Management, advising clients on Investments, financial and estate planning strategy, insurance and providing access to cash management and lending solutions.
Skilled in Trust planning, tax planning, retirement planning.
Bachelor’s degree, with distinction, in Business Management, from Eckerd College.
Past adjunct faculty at St. Pete’s College and Nova Southeastern University.
Past President of the West Central Council of the Boy Scouts of America.
Past President and Chairman of Florida Hospital North Pinellas Foundation Board.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC for the period 3/31/22-3/31/23
Daniel Richardson is a Palm Harbor native and before coming to Morgan Stanley spent many years as a banker including his position as the City President for Private Client Group at Bank of America. Dan has a passion for comedy and philanthropy and is involved with comedy shows for people battling cancer, even doing some comedy himself. A very active member of his community, Dan sponsors multiple youth fishing programs in the Tampa Bay Area and is very active in his church.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Morgan 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.
Securities Agent: NY, TN, NJ, CA, GA, IN, FL, PA, OR, MI, KS, TX, NC, WI, VA, SC, LA, DC, OH, MO, MA, IL, AZ, MN; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1285070
CA Insurance License #: #4215101
NMLS#: 1285070
CA Insurance License #: #4215101
About Linda Goodson
Credentials
CERTIFIED FINANCIAL PLANNER (CFP®) practitioner designation from the College for Financial Planning.
Retirement Income Certified Professional (RICP®) designation from the
American College of Financial Services.
Bachelor’s degree in Business Management from Eckerd College
Morgan Stanley Portfolio Management Certification Level II.
Morgan Stanley's Family Wealth Advisor Designation.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC for the period 3/31/22-3/31/23
Linda Goodson is a seasoned professional with more than 35 years of experience in the financial industry. After graduating with a bachelor’s degree in Business Management from Eckerd College, Linda got her start in the financial industry as a bank manager before moving to brokerage full time in 2000. Linda has been a part of the Palm Harbor community for over 26 years and considers her clients her extended family, making it her mission to offer personalized guidance concerning life’s ever changing financial decisions. Linda and her husband of 40 years love to travel and spend time with their Italian greyhound, Derby.
CERTIFIED FINANCIAL PLANNER (CFP®) practitioner designation from the College for Financial Planning.
Retirement Income Certified Professional (RICP®) designation from the
American College of Financial Services.
Bachelor’s degree in Business Management from Eckerd College
Morgan Stanley Portfolio Management Certification Level II.
Morgan Stanley's Family Wealth Advisor Designation.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC for the period 3/31/22-3/31/23
Linda Goodson is a seasoned professional with more than 35 years of experience in the financial industry. After graduating with a bachelor’s degree in Business Management from Eckerd College, Linda got her start in the financial industry as a bank manager before moving to brokerage full time in 2000. Linda has been a part of the Palm Harbor community for over 26 years and considers her clients her extended family, making it her mission to offer personalized guidance concerning life’s ever changing financial decisions. Linda and her husband of 40 years love to travel and spend time with their Italian greyhound, Derby.
Securities Agent: NY, KS, SC, NC, AZ, PA, OR, OH, GA, LA, WI, NJ, MI, IN, FL, TN, CA, VA, TX, MA, KY, IL, MO, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 1031859
CA Insurance License #: 0F89991
NMLS#: 1031859
CA Insurance License #: 0F89991
About Eban Barnett
Credentials
CERTIFIED INVESTMENT MANAGEMENT ANALYST ® certification
CERTIFIED FINANCIAL PLANNER® certification
Bachelor’s degree in Business/Finance – University of Florida
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC for the period 3/31/22-3/31/23
Eban Barnett has been a Financial Advisor for over 22 years. He graduated from the University of Florida with a bachelor’s degree in Finance in 1999. He started his career as a Commercial Banking Analyst at Bank of America before transitioning to become a Financial Advisor in 2001. He spent most of his career at Wells Fargo Advisors (formerly Wachovia Securities) prior to joining Morgan Stanley in November of 2018. Eban prides himself on building multi-generational relationships with his clients and helping them alleviate the challenges of managing their wealth.
Eban lives in South Tampa with his wife Viktoria. Together they have two cats, Oliver and Scout. In his spare time Eban enjoys traveling, downhill skiing, and spending time with his friends and family. In the Fall you can find him passionately following the University of Florida athletics programs.
CERTIFIED INVESTMENT MANAGEMENT ANALYST ® certification
CERTIFIED FINANCIAL PLANNER® certification
Bachelor’s degree in Business/Finance – University of Florida
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC for the period 3/31/22-3/31/23
Eban Barnett has been a Financial Advisor for over 22 years. He graduated from the University of Florida with a bachelor’s degree in Finance in 1999. He started his career as a Commercial Banking Analyst at Bank of America before transitioning to become a Financial Advisor in 2001. He spent most of his career at Wells Fargo Advisors (formerly Wachovia Securities) prior to joining Morgan Stanley in November of 2018. Eban prides himself on building multi-generational relationships with his clients and helping them alleviate the challenges of managing their wealth.
Eban lives in South Tampa with his wife Viktoria. Together they have two cats, Oliver and Scout. In his spare time Eban enjoys traveling, downhill skiing, and spending time with his friends and family. In the Fall you can find him passionately following the University of Florida athletics programs.
Securities Agent: UT, KY, KS, FL, MO, MD, LA, WI, NJ, MN, CT, CA, AZ, VA, OH, IN, OK, MI, TX, PA, SC, DE, CO, MA, GA, TN, NY, IL, OR, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 2513666
CA Insurance License #: 0F05531
NMLS#: 2513666
CA Insurance License #: 0F05531
About Jon Cooney
Credentials
Completed Investment Management Consultant Association training program in Investment Analysis.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC for the period 3/31/22-3/31/23
Jon Cooney was born in Zephyrhills, FL and joined the Morgan Stanley Consulting Group in 2007 after spending four years at Wachovia Securities. As a Consulting Group Analyst, he reviews and analyzes a variety of different investment opportunities for the group. He enjoys spending time with his wife Heather and his son Jack and is an avid sports fisherman.
Completed Investment Management Consultant Association training program in Investment Analysis.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC for the period 3/31/22-3/31/23
Jon Cooney was born in Zephyrhills, FL and joined the Morgan Stanley Consulting Group in 2007 after spending four years at Wachovia Securities. As a Consulting Group Analyst, he reviews and analyzes a variety of different investment opportunities for the group. He enjoys spending time with his wife Heather and his son Jack and is an avid sports fisherman.
About Lindsey Pohl
Credentials
Financial Planning Specialist
Qualified Plan Financial Consultant
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC for the period 3/31/22-3/31/23
Lindsey Pohl was born and raised in Clearwater, Florida and is the newest member of the team, joining in July of 2022. She received her Bachelor’s in Business Administration from the Warrington College of Business at the University of Florida. Lindsey joins us from Vanguard where she helped clients navigate life changes such as losing a loved one, divorce, trust planning, and more. Lindsey spends her free time with her labradoodle puppy and traveling as much as possible as she is trying to visit a new country a year.
Financial Planning Specialist
Qualified Plan Financial Consultant
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC for the period 3/31/22-3/31/23
Lindsey Pohl was born and raised in Clearwater, Florida and is the newest member of the team, joining in July of 2022. She received her Bachelor’s in Business Administration from the Warrington College of Business at the University of Florida. Lindsey joins us from Vanguard where she helped clients navigate life changes such as losing a loved one, divorce, trust planning, and more. Lindsey spends her free time with her labradoodle puppy and traveling as much as possible as she is trying to visit a new country a year.
Securities Agent: CO, NE, KY, DC, WI, MS, MN, IN, GA, DE, WV, TN, ME, AK, VT, PR, PA, MD, IL, IA, AZ, OR, ND, MO, LA, FL, CT, CA, OK, NH, TX, SD, MA, SC, NM, NJ, VA, UT, RI, NV, NC, MI, KS, ID, OH, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 2418708
NMLS#: 2418708
About Elena Richardson
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC for the period 3/31/22-3/31/23
Originally from Latvia, Elena Richardson holds a Master of Arts degree in Accounting from the University of Aberdeen in Scotland, U.K. In 2018, she moved to San Diego, California to be closer to her relatives in the area. The following year, she earned an MBA in Finance from California Miramar University before beginning her career in finance with UBS in 2020.
Elena joined Morgan Stanley in 2022, initially working as a Client Service Associate in the San Diego office before transferring to the Palm Harbor branch. Outside of work, Elena and her husband enjoy spending time outdoors, cooking, and exploring new countries.
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC for the period 3/31/22-3/31/23
Originally from Latvia, Elena Richardson holds a Master of Arts degree in Accounting from the University of Aberdeen in Scotland, U.K. In 2018, she moved to San Diego, California to be closer to her relatives in the area. The following year, she earned an MBA in Finance from California Miramar University before beginning her career in finance with UBS in 2020.
Elena joined Morgan Stanley in 2022, initially working as a Client Service Associate in the San Diego office before transferring to the Palm Harbor branch. Outside of work, Elena and her husband enjoy spending time outdoors, cooking, and exploring new countries.
Contact Ted H Pohl
Contact Daniel C Richardson
Contact Linda Goodson
Contact Eban Barnett
Wealth Management
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- Traditional Investments
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Family
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- Estate Planning Strategies
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Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
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Financial Wellness
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Ready to start a conversation? Contact The Brightwater Wealth Management Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley 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 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.
3Morgan 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.
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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 or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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*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.
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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 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.
3Morgan 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.
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 or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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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.
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)
