Garrett Buckley, CFP®
Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director, Workplace Advisor - Equity Compensation, Family Wealth Director
Phone:
(212) 643-5768(212) 643-5768
The Buckley Group at Morgan Stanley
Direct:
(212) 643-5768(212) 643-5768
Toll-Free:
(800) 223-4565(800) 223-4565
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Team
The Buckley Group at Morgan Stanley is dedicated to serving the full financial needs of High Net Worth individuals and families, corporate executives, business owners and Guardianship/Special Needs Trusts. They believe that working as a team helps to ensure that you benefit from the highest levels of service by responding to your needs promptly, professionally and thoroughly, while also providing you access to a full suite of customized strategies. These strategies include multigenerational comprehensive planning, tax efficient strategies and risk mitigation solutions to help you maintain your lifestyles and reach your long term goals.
The Buckley Group has rich history of providing world class advisory services to clients. With the broad resources, solutions and intellectual capital of Morgan Stanley at our disposal, their Team is well positioned to assist with your complex financial needs for generations to come.
The Buckley Group has rich history of providing world class advisory services to clients. With the broad resources, solutions and intellectual capital of Morgan Stanley at our disposal, their Team is well positioned to assist with your complex financial needs for generations to come.
Services Include
- Wealth ManagementFootnote1
- Estate Planning StrategiesFootnote2
- Financial PlanningFootnote3
- Planning for Education FundingFootnote4
- Planning for Individuals with Special Needs
- Retirement PlanningFootnote5
- Trust AccountsFootnote6
- Stock Plan ServicesFootnote7
- Alternative InvestmentsFootnote8
- Stock Option PlansFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Media and Research
Morgan Stanley seeks to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future, and why. The links below provide in-depth analysis on interesting topics that are affecting the worlds of business and finance not only now, but in the future
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Thoughts On The Market Podcast
Morgan Stanley Ideas Podcast
From the use of satellite data technology to solve some of the world's most complex problems, to learning how not to follow the crowd when making decisions, The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond. Click the link below for more information and to access a library of interesting content.
Morgan Stanley Ideas Podcast
On The Markets Research Reports
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
On The Markets Research Report
Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
GIC Weekly Research Report
Wealth Management Insight Audiocasts
Wealth Management Insights brings you the latest investment advice from thought leaders within Wealth Management Investment Resources (WMIR). They provide their latest thinking on various market topics in 3-5 minute audiocasts.
Wealth Management InsightsDigital Tools
Morgan Stanley's suite of Modern Wealth Management Tools allows advisors to offer more customized and comprehensive advice than anywhere else. These tools' ease of use allows for a more in-depth view of a client's financial life to be taken, resulting in better service and more well-rounded advice.
Morgan Stanley Online (MSO)
Allows you to conveniently and securely manage your account online or on your mobile device.
To learn more, and to log in click here
Morgan Stanley Mobile App
Access your account wherever, whenever using the Morgan Stanley Mobile App. It gives you the same capabilities as Morgan Stanley Online from the convenience of your phone.
To learn about the mobile capabilities and how to get the app, click here
E-Authorization
With E-Authorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a wire transfer request.
To sign up for E-Authorization log into MSO
E-Sign
E-Sign is a digital, paperless alternative to the traditional means of obtaining signatures from clients on paperwork. There is no registration process for you to begin using E-Sign - all you need is a valid email address and phone number.
Click here to learn how to sign up
E-Delivery
E-Delivery allows you to securely save, print, send, and receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App.
To learn more, click here
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows you to build a central, shared document library where all documents are stored using encryption.
To learn more, watch this video
Total Wealth View
The ability to view all of your assets and liabilities together, whether held at Morgan Stanley or elsewhere, enables us to advise with your entire financial picture in mind.
To learn more, click here
Goals Planning System
GPS helps clients define what they want out of life, and then creates a financial framework to bring these goals to life.
To learn more, watch this videoLocation
1 Penn Plaza
43rd Fl
New York, NY 10119
US
Direct:
(212) 643-5768(212) 643-5768
Toll-Free:
(800) 223-4565(800) 223-4565
Meet The Buckley Group
Christopher P Arnella, CFP®, CIMA®, CRPC®
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Management Director, Workplace Advisor - Equity Compensation
Phone:
(646) 473-2165(646) 473-2165
First Vice President, Wealth Management, Financial Advisor, Workplace Advisor - Equity Compensation
Phone:
(212) 643-5720(212) 643-5720
Thomas Hibbits
Vice President, Financial Advisor
Phone:
(212) 643-5911(212) 643-5911
John Kremidas
Director of Business Strategy, Assistant Vice President
Phone:
(212) 643-5769(212) 643-5769
Fabio LaRosa
Senior Registered Associate
Phone:
(212) 643-5838(212) 643-5838
Aliyah Huland El
Client Relationship Analyst
Phone:
(212) 643-5724(212) 643-5724
About Garrett Buckley
Garrett is a CERTIFIED FINANCIAL PLANNER™ and a Managing Director– Wealth Management at Morgan Stanley. Garrett has been with the firm for over 30 years, working exclusively with High Net Worth individuals and their families to deliver specific financial strategies that help them achieve their goals.
Prior to working at Morgan Stanley, Garrett was in Institutional Bond sales at Paine Webber/Kidder Peabody. He began his career in the Fixed Income Department at Merrill Lynch. A native of Ireland, he resides in Manhattan with his wife Jeanette and his sons Liam and Aidan.
Prior to working at Morgan Stanley, Garrett was in Institutional Bond sales at Paine Webber/Kidder Peabody. He began his career in the Fixed Income Department at Merrill Lynch. A native of Ireland, he resides in Manhattan with his wife Jeanette and his sons Liam and Aidan.
Securities Agent: AZ, UT, OR, OK, WA, NC, MA, HI, CT, OH, DE, WY, SC, RI, FL, DC, NH, IL, CO, VT, TX, MN, MI, ME, PA, GA, CA, VA, NV, NM, MO, KS, TN, SD, NY, NJ, MD, IN; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1273035
NMLS#: 1273035
About Chris Arnella
Chris has been with Morgan Stanley for over 21 years. As a Portfolio Management Director and CERTIFIED FINANCIAL PLANNER™ professional, he specializes in customized financial planning with a focus on retirement and insurance planning, as well as portfolio management. In 2009, he earned the Certified Investment Management Analyst® (CIMA®) designation, an advanced credential for investment consultants awarded by the Investment Management Consultants Association (IMCA). He completed the required coursework at The Wharton School of the University of Pennsylvania. Chris holds Series 7, 63, 65, 9, and 10 licenses, as well as Life, Accident & Health insurance licenses. He graduated from Providence College with a Bachelor of Science degree in Finance. Chris currently resides on the Jersey Shore with his wife, Brittany, and their sons, Gianluca, Santino (Sonny) and Stefano.
Securities Agent: WI, CT, WA, TX, TN, OH, NY, NC, ND, GA, VT, NH, IN, IL, NV, DE, CA, NM, CO, AZ, VA, SD, NJ, MT, MN, MI, HI, WY, UT, RI, OK, ME, MA, DC, SC, OR, FL, PA, KS, ID; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1279053
NMLS#: 1279053
About Manny Albuquerque
Manny joined Morgan Stanley in 2020 after spending the previous 5 years at Merrill Lynch as a Senior Financial Advisor. Manny is a CERTIFIED FINANCIAL PLANNER™ professional. Manny began his financial services career in 2006 at UBS and has held various roles throughout his career related to helping individuals and families achieve their financial goals and objectives through customized financial planning and investment management.
Manny is Series 7,66,9,10,3 as well as Life, Accident, and Health Insurance licensed. He is a graduate of Loyola University in Maryland with a degree in Marketing. He enjoys playing soccer, golf, and guitar during his free time and currently resides in Bloomfield, NJ with his wife Angela and two sons, Roman and Xavier.
Manny is Series 7,66,9,10,3 as well as Life, Accident, and Health Insurance licensed. He is a graduate of Loyola University in Maryland with a degree in Marketing. He enjoys playing soccer, golf, and guitar during his free time and currently resides in Bloomfield, NJ with his wife Angela and two sons, Roman and Xavier.
Securities Agent: VA, NJ, HI, WY, OR, MN, AZ, NM, MA, KS, OK, NY, MD, IL, CO, TN, MO, DC, UT, NH, IN, GA, CA, WA, SC, MI, DE, TX, RI, PA, OH, NV, VT, SD, NC, ME, FL, CT; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1409505
NMLS#: 1409505
About Thomas Hibbits
Tom has been in the financial industry for nearly 40 years, with over 25 of those years spent with Morgan Stanley. Tom started at Merrill Lynch trading front-end paper on their Government Institutional trading desk prior to handling spread trades on their Proprietary desk. Over the last two and a half decades, Tom has spent his time helping high net worth individuals with trading strategies and asset allocation, as well as planning to help meet their short and long-term financial goals.
Tom is Series 7, 63, as well as Life, Accident & Health Insurance licensed. He graduated with a BS in Economics and BA Minor in Business Administration from William Paterson University. Tom lives in West New York, NJ with his wife of 35 years, Toni and their Westie, Herman.
Disclaimer:
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Tom is Series 7, 63, as well as Life, Accident & Health Insurance licensed. He graduated with a BS in Economics and BA Minor in Business Administration from William Paterson University. Tom lives in West New York, NJ with his wife of 35 years, Toni and their Westie, Herman.
Disclaimer:
Asset Allocation does not assure a profit or protect against loss in declining financial markets.
Securities Agent: FL, VT, OK, DC, VI, UT, OH, NH, MT, ME, HI, RI, OR, NV, PA, NY, MD, SC, GA, CT, SD, NM, MN, DE, CA, WY, TX, MS, MI, IL, CO, VA, NC, MO, AZ, WA, TN, MA, NJ, KS; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1279379
NMLS#: 1279379
About John Kremidas
John is an Assistant Vice President and Director of Business Strategy with The Buckley Group. He currently oversees the team's daily operations and supports business development efforts. John's primary focus is providing first-class client service while shaping a modern client experience. He has been with Morgan Stanley for over 10 years and is Series 7 & 66 licensed.
Prior to joining Morgan Stanley, John was a Senior Wealth Strategy Associate at UBS. He is a Pace University graduate with a BA in Political Science and a minor in Pre-Law. John currently resides in Manhattan’s Financial District with his wife and small dog. He considers himself to be a quintessential New Yorker and enjoys experiencing everything the city has to offer.
Prior to joining Morgan Stanley, John was a Senior Wealth Strategy Associate at UBS. He is a Pace University graduate with a BA in Political Science and a minor in Pre-Law. John currently resides in Manhattan’s Financial District with his wife and small dog. He considers himself to be a quintessential New Yorker and enjoys experiencing everything the city has to offer.
About Fabio LaRosa
Fabio is a Senior Registered Client Service Associate and has been at Morgan Stanley for 25 years. His primary responsibility is for the day to day client operations. He is responsible for a variety of client service matters, including disbursements, check requests, fund transfers, new client onboarding and executes buy/sell orders. He acts as a liaison between the financial advisors, clients, management and operations. He is Series 7,63 licensed.
Prior to working at Morgan Stanley, Fabio was a Service Associate at North Fork Bank. He began his career at Dime Savings Bank. Fabio is a graduate of St. Francis College with a degree in Communications. Fabio resides in Staten Island with his wife Rosalia and their children, Mia and Gianluca.
Prior to working at Morgan Stanley, Fabio was a Service Associate at North Fork Bank. He began his career at Dime Savings Bank. Fabio is a graduate of St. Francis College with a degree in Communications. Fabio resides in Staten Island with his wife Rosalia and their children, Mia and Gianluca.
About Aliyah Huland El
Aliyah is a Client Relationship Analyst at Morgan Stanley, supporting clients of The Buckley Group by managing account operations, facilitating transactions, and ensuring a seamless client experience. Prior to joining Morgan Stanley, she worked as a Client Advisor Associate at Offit Capital and a Sr. Home Lending Advisor at JPMorgan Chase.
Aliyah earned her bachelor’s degree in Kinesiology from the University of Virginia while competing as a full-scholarship athlete. Passionate about mentorship, she serves as an assistant basketball coach at Morris Catholic High School and is a board member for Team Sharp Basketball, a nonprofit dedicated to supporting young female athletes in their pursuit of athletic college scholarships. Outside of work, Aliyah enjoys tending to her plants, live jazz shows, and giving back to her community through sports and mentorship.
Aliyah earned her bachelor’s degree in Kinesiology from the University of Virginia while competing as a full-scholarship athlete. Passionate about mentorship, she serves as an assistant basketball coach at Morris Catholic High School and is a board member for Team Sharp Basketball, a nonprofit dedicated to supporting young female athletes in their pursuit of athletic college scholarships. Outside of work, Aliyah enjoys tending to her plants, live jazz shows, and giving back to her community through sports and mentorship.
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Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
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- Special Needs Planning
- Trust Services
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
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- Qualified Retirement Plans
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
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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 Buckley Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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.
4When 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.
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 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.
8Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
9Morgan 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.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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.
4When 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.
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 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.
8Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
9Morgan 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.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
CRC 4665150 (8/2025)
