Thomas Brook
Executive Director, Wealth Management, Financial Advisor
Phone:
(412) 392-1716(412) 392-1716
The Brook Group at Morgan Stanley
Direct:
(412) 392-1716(412) 392-1716
Toll-Free:
(800) 346-7493(800) 346-7493
Our Mission Statement
With more than 30 years of combined experience, The Brook Group helps its clients achieve their financial goals through comprehensive planning and hands-on investment management.
Excellence in Family Wealth Management
As a caring financial advisor team with more than 30 years of combined wealth management experience, The Brook Group understands how to help achieve the financial goals of its clients.
Our team wears two “hats” – we are comprehensive financial planners and hands-on investment managers.
We are proud to serve an exceptional group of clients, from business owners to multigenerational families and retirees, all having unique wealth creation stories.
Our practice is built on personalized service delivered by our team of wealth management professionals. Throughout the process, you will experience a disciplined approach that emphasizes communication and transparency.
We listen carefully to understand the goals you have for yourself and your family, then methodically create a tailored plan with the strategies needed to achieve those goals.
We are here for you each step of the way, consistently reviewing all aspects of your comprehensive strategy that focuses on long-term financial success and strives to enable you to fully enjoy your wealth today.
We look forward to meeting you soon.
Our team wears two “hats” – we are comprehensive financial planners and hands-on investment managers.
We are proud to serve an exceptional group of clients, from business owners to multigenerational families and retirees, all having unique wealth creation stories.
Our practice is built on personalized service delivered by our team of wealth management professionals. Throughout the process, you will experience a disciplined approach that emphasizes communication and transparency.
We listen carefully to understand the goals you have for yourself and your family, then methodically create a tailored plan with the strategies needed to achieve those goals.
We are here for you each step of the way, consistently reviewing all aspects of your comprehensive strategy that focuses on long-term financial success and strives to enable you to fully enjoy your wealth today.
We look forward to meeting you soon.
Services Include
- Financial PlanningFootnote1
- Professional Portfolio ManagementFootnote2
- Asset Management
- Retirement PlanningFootnote3
- Wealth PlanningFootnote4
- 401(k) Rollovers
- Planning for Education FundingFootnote5
- Cash Management and Lending ProductsFootnote6
- Estate Planning StrategiesFootnote7
- Corporate Retirement PlansFootnote8
- Wealth ManagementFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
For Life’s Most Important Goals
Our family wealth practice is built on the development of deep and enduring relationships and the delivery of comprehensive wealth management services.
We work with a broad range of clients who value and respect the financial guidance and investment advice we carefully craft to help them achieve their personal and professional goals.
We work with a broad range of clients who value and respect the financial guidance and investment advice we carefully craft to help them achieve their personal and professional goals.
You can count on The Brook Group to develop a strategy for you that is personal and flexible:
Personal: Our plans are highly individualized to help you achieve your financial goals, such as:
- Optimizing investment performance
- Managing portfolio risk
- Financing a major acquisition
- Educating adult children to manage wealth effectively
Flexible: our plans are responsive to changes in your life and in your priorities over time, including:
- The sale or purchase of a home or business
- A new business opportunity or change in career
- A divorce or death of a spouse
- Transitioning to retirement
- Optimizing investment performance
- Managing portfolio risk
- Financing a major acquisition
- Educating adult children to manage wealth effectively
Flexible: our plans are responsive to changes in your life and in your priorities over time, including:
- The sale or purchase of a home or business
- A new business opportunity or change in career
- A divorce or death of a spouse
- Transitioning to retirement
Achieving Your Goals
At The Brook Group, our disciplined process begins and ends with listening. We ask questions about what is important to you, your family and your future . . . and then we listen. Throughout each step of the process, we provide objective advice and investment insights to construct a wealth management plan that is uniquely yours.
Step 1: Introductory Call
We begin with an informal conversation to understand your financial concerns and determine how we can add value. If you agree to move forward, we will schedule our next meeting and request copies of important financial documents.
Step 2: Face-to-Face Meeting
We continue the dialogue with started with a more in-depth discussion that usually takes place at your home or place of business. This “discovery” session gives us the opportunity to understand the values that shape your decisions and identify any circumstances unique to your situation. We will also review the documents you have prepared and begin to define your priorities.
Step 3: Analysis & Strategy Development
Here, we utilize a variety of financial planning and investment tools to develop a detailed strategy with recommendations to help you achieve the priorities we’ve outlined. This serves as the foundation for building your initial plan, as well as future investment decisions.
Step 4: Investment Proposal
In this step, we present an investment proposal and asset allocation strategy that aligns your goals with your time frame and risk level. we also share samples of a typical performance reports, so you can review the types of reports you will receive from us on a regular basis.
Step 5: Implementation
Once you approve our recommendations, we will begin to implement your plan. We establish any necessary new accounts, initiate the account transfer process and provide online account instructions so you always have secure access to your accounts and information.
Step 6: Ongoing Stewardship
Committed to first-class service, we focus on developing longstanding relationships that provide special value to you and your family. We are dedicated to delivering premium service through our signature standard of care that emphasizes ongoing communication throughout the year.
The Brook Group Advantage
Our passion lies in working with clients who seek the kind of long-term, fully engaged relationships we value and who appreciate the attributes we believe set us apart from other advisory teams.
Deep Financial Planning Experience
We have over 25 years of combined experience creating customized financial plans and managing all types of investments. Our disciplined planning process is driven by your unique circumstances, goals and appetite for risk.
Our style is welcoming and approachable, and we make it easy to fully understand the strategies we recommend.
Our style is welcoming and approachable, and we make it easy to fully understand the strategies we recommend.
Hands-On Investment Management
Investment management is one of the most critical services we provide to you and your family. Our clients benefit from the market insights and rigorous due diligence that drive our investment strategies.
We believe in taking a conservative investment approach that reflects long-term growth themes, opportunistic market trends and a patient commitment to your financial plan.
We believe in taking a conservative investment approach that reflects long-term growth themes, opportunistic market trends and a patient commitment to your financial plan.
Multigenerational Relationships
Our priority as wealth advisors is building deep and personal relationships with our clients. We work with a select clientele who value our experience and our ability to provide comprehensive solutions that go well beyond investments.
The bonds we form are fundamental to our mission and are evidenced by the generations of families we proudly serve.
The bonds we form are fundamental to our mission and are evidenced by the generations of families we proudly serve.
A Strong Moral Compass
Every decision we make is focused on doing the right thing for you. We seek to help you simplify your financial life, offering the most efficient solutions for your consideration with unbiased, objective advice.
Most importantly, we commit to a service model that emphasizes integrity, professionalism and confidentiality.
Most importantly, we commit to a service model that emphasizes integrity, professionalism and confidentiality.
Putting Your Business To Work For You
Successful business owners understand the challenge in striking the right balance between investing in their business and investing in their family’s personal goals.
On one hand, you want to build your business by pursuing new technologies or a larger facility; on the other, you want to make sure you’ve taken the necessary steps to accumulate and preserve enough assets so your family can enjoy a comfortable lifestyle and be more financially secure.
Having the guidance from a seasoned advisory team to guide you in the decision-making process can help put you on track to accomplishing both sets of goals.
At The Brook Group, we focus on developing deep relationships with you and your family, which is especially important when you are considering succession planning or preparing to sell a family-owned business. Our years of experience provide the skills and guidance needed to help you unlock your wealth, while continuing to grow your business in today’s ever-changing market environment.
On one hand, you want to build your business by pursuing new technologies or a larger facility; on the other, you want to make sure you’ve taken the necessary steps to accumulate and preserve enough assets so your family can enjoy a comfortable lifestyle and be more financially secure.
Having the guidance from a seasoned advisory team to guide you in the decision-making process can help put you on track to accomplishing both sets of goals.
At The Brook Group, we focus on developing deep relationships with you and your family, which is especially important when you are considering succession planning or preparing to sell a family-owned business. Our years of experience provide the skills and guidance needed to help you unlock your wealth, while continuing to grow your business in today’s ever-changing market environment.
Services We Provide:
- Succession Planning Strategies
- Business retirement plans
- Profit sharing accounts
- Education services for employees
- Cash management and lending services
- Risk management
- Tax minimization strategies
Location
One Ppg Place
Ste 1300
Pittsburgh, PA 15222
US
Direct:
(412) 392-1716(412) 392-1716
Toll-Free:
(800) 346-7493(800) 346-7493
Meet The Brook Group
Heather Campbell
Assistant Vice President, Wealth Management Associate, Financial Planning Specialist
Phone:
(412) 392-5852(412) 392-5852
Melissa Deaner
Senior Client Service Associate
Phone:
(412) 392-5870(412) 392-5870
About Thomas H. Brook
A seasoned professional with more than 30 years of experience, Tom is dedicated to helping professionals, families and business leaders solve their financial challenges and achieve their long-term goals. His consultative approach includes the development of a tailored wealth management plan, a diversified investment portfolio and a commitment to outstanding service. Tom works closely with his clients to simplify their financial lives and maintain financial security through every one of life’s important milestones – from starting their own business or embarking on a new career to starting a family, sending children to college and enjoying a comfortable retirement.
Growing up in Philadelphia, Tom was always fascinated with the stock market, an interest he shared with his father. After graduating from Drexel University, he began his career at the Philadelphia Stock Exchange as an internal auditor. Three years later, he joined Merrill Lynch, working in the firm’s Corporate Reporting division. It was during this time that Tom discovered his true passion for wanting to directly help people solve their financial challenges and have a meaningful impact on the quality of their lives. He joined Morgan Stanley in 2004 and has been a valuable member of the firm ever since.
Tom enjoys working with like-minded clients who value and appreciate the level of skill and service he and his colleagues deliver. His goals-based 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. Tom receives great satisfaction knowing he is making a significant impact on the quality of his clients’ lives and often becomes one of the most important relationships to their families.
A graduate of Carnegie Mellon University, where he earned his M.B.A. in Finance and Strategy, Tom was recognized among Forbes' Top In-State Wealth Advisors for Pennsylvania in 2021, 2022 & 2023 Tom has also been named to Morgan Stanley’s Century Club and Masters Club, honors bestowed to the firm’s top advisors.
Today, Tom lives in Pittsburgh with his wife, Joi, and their two children, Hayden and Channing. Outside of the office, Tom and Joi are active with several local organizations that focus on protecting animals, supporting the arts and feeding the hungry. Tom is currently serving on the Forest Hills Recreational Board and has been involved in various athletic boards in the past. In his leisure time, Tom enjoys walking, taking long drives, all types of sports, but his greatest passion is spending time with his family.
2021-2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2021-2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Awards Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure.html
Growing up in Philadelphia, Tom was always fascinated with the stock market, an interest he shared with his father. After graduating from Drexel University, he began his career at the Philadelphia Stock Exchange as an internal auditor. Three years later, he joined Merrill Lynch, working in the firm’s Corporate Reporting division. It was during this time that Tom discovered his true passion for wanting to directly help people solve their financial challenges and have a meaningful impact on the quality of their lives. He joined Morgan Stanley in 2004 and has been a valuable member of the firm ever since.
Tom enjoys working with like-minded clients who value and appreciate the level of skill and service he and his colleagues deliver. His goals-based 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. Tom receives great satisfaction knowing he is making a significant impact on the quality of his clients’ lives and often becomes one of the most important relationships to their families.
A graduate of Carnegie Mellon University, where he earned his M.B.A. in Finance and Strategy, Tom was recognized among Forbes' Top In-State Wealth Advisors for Pennsylvania in 2021, 2022 & 2023 Tom has also been named to Morgan Stanley’s Century Club and Masters Club, honors bestowed to the firm’s top advisors.
Today, Tom lives in Pittsburgh with his wife, Joi, and their two children, Hayden and Channing. Outside of the office, Tom and Joi are active with several local organizations that focus on protecting animals, supporting the arts and feeding the hungry. Tom is currently serving on the Forest Hills Recreational Board and has been involved in various athletic boards in the past. In his leisure time, Tom enjoys walking, taking long drives, all types of sports, but his greatest passion is spending time with his family.
2021-2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2021-2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Awards Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure.html
Securities Agent: CA, NM, ME, MD, DC, TX, CO, VA, OH, MI, KS, IN, FL, DE, VT, UT, TN, MO, NH, NC, MA, AZ, WV, AL, WI, WA, VI, NY, NJ, IL, SC, PA; General Securities Representative; Investment Advisor Representative
NMLS#: 1653120
CA Insurance License #: 4001558
NMLS#: 1653120
CA Insurance License #: 4001558
About Heather Campbell
A results-driven professional, Heather is committed to building strong relationships with clients and the various business units within Morgan Stanley. She is often the first line of contact on a wide range of services. Her primary responsibilities include client service, communication and managing the day-to-day investment operations of the practice. She works closely with both internal and external professionals on behalf of each client.
Originally from Bricktown, NJ, Heather moved to Overland Park, KS as a teenager. After attending the University of Kansas, she began her career in financial services at Smith Barney (now Morgan Stanley) in 1995. Three years later, she relocated to Pittsburgh and has been a valuable member of the Pittsburgh office ever since. She joined The Brook Group in 2019.
A 25-year veteran of the firm, Heather maintains her FINRA Series 7 and Series 65 licenses. Outside of the office, she loves to read, listen to music, cook and take long walks. She is also a big animal lover.
Originally from Bricktown, NJ, Heather moved to Overland Park, KS as a teenager. After attending the University of Kansas, she began her career in financial services at Smith Barney (now Morgan Stanley) in 1995. Three years later, she relocated to Pittsburgh and has been a valuable member of the Pittsburgh office ever since. She joined The Brook Group in 2019.
A 25-year veteran of the firm, Heather maintains her FINRA Series 7 and Series 65 licenses. Outside of the office, she loves to read, listen to music, cook and take long walks. She is also a big animal lover.
About Melissa Deaner
Drawing on more than 27 years of industry experience, Missy has been an important member of The Brook Group since joining the team in 1992. From the largest task to the smallest request, she works diligently to exceed client expectations. She coordinates various administrative and operational duties, including opening new accounts, managing asset transfers and account updates.
Missy earned her Associates degree in Computer Management from the ICM School of Business in 1992. Soon after graduation, she began her long and successful career in financial services at Smith Barney Shearson, which later became Morgan Stanley. Throughout her career, she has continued to take on more and more responsibility, first in operations and then moving into client service.
Growing up in Franklin, PA, Missy now lives in Pittsburgh with her husband, Adam, and their two daughters, Nicole and Abigail. Favorite leisure activities include going to the movies, shopping with her daughters and spending quality time together as a family.
Missy earned her Associates degree in Computer Management from the ICM School of Business in 1992. Soon after graduation, she began her long and successful career in financial services at Smith Barney Shearson, which later became Morgan Stanley. Throughout her career, she has continued to take on more and more responsibility, first in operations and then moving into client service.
Growing up in Franklin, PA, Missy now lives in Pittsburgh with her husband, Adam, and their two daughters, Nicole and Abigail. Favorite leisure activities include going to the movies, shopping with her daughters and spending quality time together as a family.
Contact Thomas Brook
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
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
Article Image
Ready to start a conversation? Contact The Brook Group today.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan 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
7Morgan 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.
8When 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.
9Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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’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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan 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
7Morgan 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.
8When 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.
9Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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)
