Omer Masood
Senior Vice President, International Client Advisor, Portfolio Management Director
Phone:
(212) 603-6165(212) 603-6165
The Bryant Park Group at Morgan Stanley
Direct:
(212) 603-6100(212) 603-6100
Our Mission Statement
Our mission is to provide white-glove service across all areas of Wealth Management and Estate Planning - while focusing on cost, tax-efficiency, and simplicity.
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."
Services Include
- Professional Portfolio ManagementFootnote1
- Wealth ManagementFootnote2
- Stock Plan ServicesFootnote3
- Executive Financial ServicesFootnote4
- Retirement PlanningFootnote5
- 401(k) Rollovers
- Estate Planning StrategiesFootnote6
- LGBT+ Planning ServicesFootnote7
- Municipal BondsFootnote8
- Cash Management and Lending ProductsFootnote9
- Life InsuranceFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
1. Financial Planning
We start with a conversation to gain a thorough understanding of your needs, lifestyle, and family --- and your goals for the future.
2. Market Education
Our team will look across multiple accounts and products to help you implement solutions that are an appropriate fit for your strategy.
3. Custom Portfolio
We work with you to develop portfolio strategies that help you achieve and protect your financial goals and needs.
4. Implementation
Our team will help you track your progress as well as spending and savings to ensure you remain on track toward your financial goals.
Morgan Stanley Online & App
Morgan Stanley Online and the Morgan Stanley Mobile App provide you with access to your account information, enhanced reporting tools, market research, and cash management solutions. Your everyday finances and investments are always just a few clicks away with Morgan Stanley Online.
Learn More about MSO
Total Wealth View
Complete your financial picture with total wealth view. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More about Total Wealth View
Goals Based Planning
Our Goals Planning System can tailor an investment framework that considers key aspects of your life such as retirement, home buying, legacy needs, and other strategies. Working with us paired with Morgan Stanley technology is a great way to access tailored advice and build a holistic wealth plan.
Learn More about GPS
Online Security Center
Safeguarding your assets and personal information is one of our highest priorities at Morgan Stanley. Learn about our extensive security measures and take advantage of our numerous resources that are geared towards helping you stay protected online.
Learn more about Online Security Center
CashPlus
Because you manage your investments with Morgan Stanley, you now have a better way of managing your cash needs with a CashPlus brokerage account. Enjoy a modern alternative to banking with more value and protection, zero cash management fees, and a seamless digital experience.
Digital Vault
Digital Vault lets you easily and conveniently manage and share life’s most important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings.
Learn More about Digital Vault
Liquidity Access Line
A line of credit designed to help you with a variety of financing needs. A Liquidity Access Line allows you to use the eligible securities in your investment account(s) as collateral for a line of credit. You can finance real estate purchases, fund tax obligations, cover business expenses or a variety of other financing needs.
Learn More about LAL
Spending & Budgeting Tool
Put your money to work with our Financial Management Tools. You can track spending habits, categorize expenses, and create budgets across your Morgan Stanley and external financial accounts. Our Spending and Budgeting Tool makes it easy for you and your Financial Advisor to see your complete financial picture.
Learn More about Spending and Budgeting ToolInternational Coverage
Part of a global financial legacy that dates back over 150 years, Morgan Stanley has emerged as one of the few global institutions with the scale, scope, and commitment to serve the international investor. We serve among the world’s most capitalized institutions and stand as one of the largest wealth management firms in the world.
The Bryant Park Group harnesses the extensive capabilities of the firm to serve investors located outside the United States. Functioning within Morgan Stanley as an International Client Advisor, we are familiar with the investment challenges and opportunities that are unique to your part of the world and can recommend highly customized strategies to help you address your specific goals.
The Bryant Park Group harnesses the extensive capabilities of the firm to serve investors located outside the United States. Functioning within Morgan Stanley as an International Client Advisor, we are familiar with the investment challenges and opportunities that are unique to your part of the world and can recommend highly customized strategies to help you address your specific goals.
As a corporate insider with concentrated stock, you may be wondering about tax-smart means of diversification. You may also be facing liquidity needs for real estate purchases or tax payments, sometimes before stock liquidity is available due to lock-ups or tight trading windows.
Our team tailors our comprehensive wealth management process to guide busy executives through the complex considerations around their stock wealth, taking into account tax optimization and immediate liquidity needs to construct a long-term strategy for diversification.
Our team tailors our comprehensive wealth management process to guide busy executives through the complex considerations around their stock wealth, taking into account tax optimization and immediate liquidity needs to construct a long-term strategy for diversification.
10b5-1 Plans
10b5-1 plans are preset diversifications plans for executives who want the flexibility to sell through open and closed windows, whether at market or specified limit prices. The 10b5-1 plan is a written trading plan approved by legal counsel and executed by a third party, which provides corporate insiders an affirmative defense against claims of insider trading.
Learn More
Investing with Impact
Many of us want our investments to make impact in the same way we want to make a positive impact. Impact investing focuses on companies with strong ESG (Environmental, Social, Governance) criteria. Research shows that businesses that are mindful of their environmental and social impact, operating with financial transparency, are profitable brands with loyal customer base.
Learn MoreLocation
55 East 52nd Street 10th
Fl
New York, NY 10055
US
Direct:
(212) 603-6100(212) 603-6100
Meet The Bryant Park Group
Phone:
(212) 603-6209(212) 603-6209
First Vice President, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Portfolio Management Director, Workplace Advisor – Equity Compensation
Phone:
(212) 603-6253(212) 603-6253
Phone:
(212) 603-6245(212) 603-6245
Isabel Oramas, Senior Client Service Associate
About Omer Masood
Omer provides financial advice and manages assets for high net worth, corporate and institutional clients globally, including the United States, Europe, Asia and Latin America. He’s also experienced in transitioning private companies to the IPO stage.
Omer offers more than 15 years of experience in investment management, investment banking and corporate finance, including various positions on Wall Street. He joined Morgan Stanley in 2011 after being impressed by the firm’s dedicated management team and strong corporate infrastructure.
No matter the situation, Omer takes satisfaction in helping clients achieve their goals, and appreciates the trust and confidence they place in him. Additionally, he actively mentors new and junior employees to assist them in reaching their potential.
Omer earned his bachelor’s degree in Business, Marketing and Finance from Michigan State University in 2006 and his MBA from the Columbia University Business School in 2015.
Disclaimer:
Not all products and services are available in all jurisdictions or countries
Omer offers more than 15 years of experience in investment management, investment banking and corporate finance, including various positions on Wall Street. He joined Morgan Stanley in 2011 after being impressed by the firm’s dedicated management team and strong corporate infrastructure.
No matter the situation, Omer takes satisfaction in helping clients achieve their goals, and appreciates the trust and confidence they place in him. Additionally, he actively mentors new and junior employees to assist them in reaching their potential.
Omer earned his bachelor’s degree in Business, Marketing and Finance from Michigan State University in 2006 and his MBA from the Columbia University Business School in 2015.
Disclaimer:
Not all products and services are available in all jurisdictions or countries
Securities Agent: MN, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MT, NC, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, TN, TX, UT, VA, VT, WA, WI, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 1394811
NMLS#: 1394811
About Ramy Assaf
Ramy Assaf focuses on providing clients with customized, tax-efficient portfolios that are easy to understand. With his deep knowledge of the options market, Ramy helps clients generate additional income and manage portfolio volatility.
Ramy joined Morgan Stanley in 2011, and offers more than 20 years of experience in financial services. He enjoys helping clients build their wealth and achieve their life goals, and emphasizes providing a consistent education, along with outstanding service and ongoing communication.
Ramy serves a diverse clientele with individuals from a wide range of industries, backgrounds and regions.
Ramy joined Morgan Stanley in 2011, and offers more than 20 years of experience in financial services. He enjoys helping clients build their wealth and achieve their life goals, and emphasizes providing a consistent education, along with outstanding service and ongoing communication.
Ramy serves a diverse clientele with individuals from a wide range of industries, backgrounds and regions.
Securities Agent: GA, IA, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, NC, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, WA, WI, WV, WY, AL, HI, NE, AR, AZ, CA, CO, CT, DC, DE, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 578737
NMLS#: 578737
About Matthew DeCrosta
Matthew DeCrosta works with clients in areas such as financial planning, portfolio management, equity compensation, cash management, lending, and insurance.
Matthew focuses on providing exemplary service, minimizing tax burdens, and keeping client costs low. While he advises individuals from a variety of backgrounds, many clients are employed in the technology and cybersecurity industries. He frequently consults with corporate executives and American expatriates to help them navigate the complex investment restrictions they often face.
Matthew’s career in financial services began in 2014 with Morgan Stanley. His father was a CFP® which enabled Matthew to learn at an early age how clients should be treated. He enjoys how every day is different as he works closely with clients to help find solutions to their unique problems and concerns. Matthew strives to ensure clients are comfortable with their investment strategy to provide financial confidence for both the present and future—especially since so many individuals worry about outliving their savings.
Matthew grew up in New Haven, CT, and graduated from nearby Quinnipiac University. He’s active in the community, including being a board member for Statement Arts, a non-profit organization that believes in the power of an integrated arts education to cultivate the next generation of leaders who can inspire social and cultural change.
Away from the office, Matthew enjoys spending time with his wife Stephanie, and sons Santino & Carmine. He also loves to bass fish, and is a collector of hand carved lures.
Matthew focuses on providing exemplary service, minimizing tax burdens, and keeping client costs low. While he advises individuals from a variety of backgrounds, many clients are employed in the technology and cybersecurity industries. He frequently consults with corporate executives and American expatriates to help them navigate the complex investment restrictions they often face.
Matthew’s career in financial services began in 2014 with Morgan Stanley. His father was a CFP® which enabled Matthew to learn at an early age how clients should be treated. He enjoys how every day is different as he works closely with clients to help find solutions to their unique problems and concerns. Matthew strives to ensure clients are comfortable with their investment strategy to provide financial confidence for both the present and future—especially since so many individuals worry about outliving their savings.
Matthew grew up in New Haven, CT, and graduated from nearby Quinnipiac University. He’s active in the community, including being a board member for Statement Arts, a non-profit organization that believes in the power of an integrated arts education to cultivate the next generation of leaders who can inspire social and cultural change.
Away from the office, Matthew enjoys spending time with his wife Stephanie, and sons Santino & Carmine. He also loves to bass fish, and is a collector of hand carved lures.
Securities Agent: NE, WA, TX, WY, WV, WI, VT, VA, UT, TN, SC, RI, PA, OR, OK, NY, NV, NM, NH, NC, MT, MS, MO, MN, MI, PR, MD, MA, LA, KY, KS, IN, IL, ID, IA, GA, FL, DE, DC, CT, CO, CA, ME, AZ, AR, AL, AK, OH, NJ; General Securities Representative; Investment Advisor Representative
NMLS#: 1347345
NMLS#: 1347345
About Adam Shayo
Adam Shayo advises clients in areas such as financial planning, portfolio management, cash management and lending, and stock risk mitigation. As a Workplace Advisor - Equity Compensation, he’s knowledgeable about workplace benefits, and has received rigorous training in this field. Adam can help clients determine how their equity compensation fits into their overall goals and financial strategy.
In 2018, Adam joined Morgan Stanley because of the tremendous platforms and other resources the firm offers to help clients reach their goals. He believes empathy is an important quality as a Financial Advisor. Adam enjoys working with clients face-to-face, understanding their needs and ambitions, and developing customized plans for them. It’s important to him that his clients can potentially look to the future with greater confidence.
Adam is a native of Brooklyn, New York, and received a B.A. degree with a concentration in Finance from SUNY Albany in 2018. He’s proud to have graduated with a highest-in-class GPA of 3.9.
In 2018, Adam joined Morgan Stanley because of the tremendous platforms and other resources the firm offers to help clients reach their goals. He believes empathy is an important quality as a Financial Advisor. Adam enjoys working with clients face-to-face, understanding their needs and ambitions, and developing customized plans for them. It’s important to him that his clients can potentially look to the future with greater confidence.
Adam is a native of Brooklyn, New York, and received a B.A. degree with a concentration in Finance from SUNY Albany in 2018. He’s proud to have graduated with a highest-in-class GPA of 3.9.
Securities Agent: PR, RI, UT, WY, OH, WI, WA, VA, TX, TN, SC, NJ, PA, OR, OK, NY, NV, NM, NH, NE, NC, MO, MN, MI, ME, MA, LA, KS, IN, IL, IA, GA, FL, DE, DC, CT, CO, CA, AZ, AR, AL, MD; General Securities Representative; Investment Advisor Representative
NMLS#: 1841093
NMLS#: 1841093
Contact Omer Masood
Contact Ramy Assaf
Contact Matthew DeCrosta
Contact Adam Shayo
Wealth Management
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Bryant Park 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’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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
4Morgan 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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.
8Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
9Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
4Morgan 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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.
8Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
9Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
