Managing Director, Wealth Management, Financial Advisor, Portfolio Manager, Workplace Advisor – Equity Compensation
Phone:
(510) 891-5270(510) 891-5270
The Buena Vista Group at Morgan Stanley
Direct:
(510) 891-5272(510) 891-5272
Toll-Free:
(800) 755-1579(800) 755-1579
Our Mission Statement
We strive to reduce uncertainty through our time-tested, thorough, and clear processes in financial planning and investment advisory services.
Our Story and Services
Choosing the Buena Vista Group as your Wealth Advisory Team provides you professional expertise to assist you and your family to meet and exceed your financial goals, and to give you time back to lead a happier, more productive and fulfilling life.
The Buena Vista Group is currently accepting new clients as of Winter 2025 and look forward to connecting with you and your family. Please phone our office to introduce yourself.
The Buena Vista Group is currently accepting new clients as of Winter 2025 and look forward to connecting with you and your family. Please phone our office to introduce yourself.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Modern Wealth Management Tools and Resources
Morgan Stanley's comprehensive suite of digital resources has carefully been designed to help enhance each aspect of your financial portfolio. Take some time to learn about some of the many Modern Wealth Management resources that we offer to our clients.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley mobile app! Access your finances and invest in an instant with the help of this handy resource that is available 24/7.
Learn more about Morgan Stanley Online
Total Wealth Tool
Complete your financial profile with Total Wealth Tool. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
Learn more about Total Wealth Tool
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative risk engine used by several of the world’s largest institutional asset managers, providing you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios. This helpful tool can assist you in making educated investment decisions with increased confidence.
Learn more about the Portfolio Risk Platform
MS Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that rewards clients with over one million dollars in assets and liabilities invested at the firm. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn more about MS ReservedA Financial Plan Made for You
Our wealth management process begins with you, your investment objectives and your financial goals. Holistic in its approach, it may encompass all the elements of your financial life - your investments and your cash management needs - making sure they align with your goals and wealth management plan.
LifeView - Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of an individual’s financial life, including investments and cash management needs. Fill out the questionnaire to get started talking with us about creating a personalized strategy for your long-term goals.
Learn more about LifeView
Goals Planning System
Goals Planning System (GPS) is Morgan Stanley’s own integrated planning tool. Built on the Firm’s intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is “On Track” to achieving their financial goals.
Learn more about GPS
Strategy - Intelligent Withdrawals
Building wealth is a means to an end. Taxes can eat up a significant portion of your assets upon withdrawal. This is why it's vital to look at your entire portfolio and coordinate liquidation to help reduce the impact of taxes and potentially improve investment results.
View tax-aware strategies here
Spending and Budgeting Tool
One way to manage savings is by using Morgan Stanley’s Spending and Budgeting tool. These tools help advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
Start using the tool todayLeaving a Meaningful Legacy
Estate planning can be a forgotten part of financial planning. It's common to avoid asking yourself uncomfortable questions such as, "how can I take care of my loved ones after I die?"
An effective estate plan can help you support the people and institutions that you care about most, long after you are gone. Morgan Stanley provides access to the broad range of services needed to create an enduring legacy that passes along your values as well as your assets. Our comprehensive approach to planning looks at your entire financial picture. Similar to a financial plan, it's important to review your estate planning documents regularly or when a significant life event occurs.
An effective estate plan can help you support the people and institutions that you care about most, long after you are gone. Morgan Stanley provides access to the broad range of services needed to create an enduring legacy that passes along your values as well as your assets. Our comprehensive approach to planning looks at your entire financial picture. Similar to a financial plan, it's important to review your estate planning documents regularly or when a significant life event occurs.
Location
1999 Harrison St
Suite 2200
Oakland, CA 94612
US
Direct:
(510) 891-5272(510) 891-5272
Toll-Free:
(800) 755-1579(800) 755-1579
700 Main Street
Suite 315
Napa, CA 94559
US
Direct:
(707) 254-4445(707) 254-4445
Meet The Buena Vista Group
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(707) 254-4402(707) 254-4402
First Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(707) 254-4445(707) 254-4445
Financial Advisor, Portfolio Manager, Workplace Advisor – Equity Compensation, Retirement
Phone:
(510) 891-5207(510) 891-5207
Mort Johnson, CRPC®
Financial Advisor, Chartered Retirement Planning Counselor, Workplace Advisor – Equity Compensation
Phone:
(510) 891-5271(510) 891-5271
Kylie Lindquist
Registered Client Service Associate
Phone:
(510) 891-5272(510) 891-5272
Karen Jaffe, CFP®*
Senior Registered Client Service Associate
Phone:
(510) 891-5278(510) 891-5278
Viola Choice
Registered Client Service Associate
Phone:
(510) 891-5277(510) 891-5277
Santiago Dayrit
Client Service Associate
Phone:
(707) 254-4412(707) 254-4412
About Donna Andrews
As a former teacher, it is second nature to me to educate our clients throughout the financial planning process. This process includes creating solid foundations for retirement, estate planning strategies, investing, and asset management. I first explored my current career path as a way to assist my teaching colleagues in avoiding common retirement planning mistakes, and I became licensed as a CERTIFIED FINANCIAL PLANNER™. My husband, Mort Johnson, a Chartered Retirement Planning Counselor, joined me in 2000, and as a team, The Buena Vista Group, we now serve long-term clients in a wide range of professions and life stages.
Securities Agent: OK, PA, TX, UT, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IL, ID, TN, KY, OR, WA, VA, MA, MD, ME, MI, MN, MO, MT, NC, NH, NJ, NM, NV, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 1294101
CA Insurance License #: 751920
NMLS#: 1294101
CA Insurance License #: 751920
About Chuck Grohs
Charles (Chuck) M. Grohs is a Senior Vice President, Financial Advisor, and Portfolio Management Director at Morgan Stanley. His practice is rooted in: excellent listening and communication skills; honesty, trust and competence. Chuck has been serving clients since 1985.
His consultative process allows him to provide personalized advice and comprehensive financial planning with disciplined research, analytically driven investment selection, and several additional boutique services tailored to help meet his select clientele’s specific needs. As a Portfolio Management Director, Chuck has guided his clients through multiple market cycles during his more than 35 years of experience.
Chuck lives in Napa, California with his wife. Together, they have two daughters and a loveable corgi, Wallis. In his spare time, he enjoys studying history, traveling with his family, and as a long-time resident of Napa Valley, has enjoyed sourcing local grapes and creating his own wine, which he often shares with friends and family. Chuck is a graduate of University of California, Davis and he currently serves on the Investment Committee for the Santa Rosa Catholic Diocese.
Chuck is accepting new clients currently, and would enjoy learning about you and your family, along with your financial goals. Please phone or email to connect for an introductory and complementary call.
His consultative process allows him to provide personalized advice and comprehensive financial planning with disciplined research, analytically driven investment selection, and several additional boutique services tailored to help meet his select clientele’s specific needs. As a Portfolio Management Director, Chuck has guided his clients through multiple market cycles during his more than 35 years of experience.
Chuck lives in Napa, California with his wife. Together, they have two daughters and a loveable corgi, Wallis. In his spare time, he enjoys studying history, traveling with his family, and as a long-time resident of Napa Valley, has enjoyed sourcing local grapes and creating his own wine, which he often shares with friends and family. Chuck is a graduate of University of California, Davis and he currently serves on the Investment Committee for the Santa Rosa Catholic Diocese.
Chuck is accepting new clients currently, and would enjoy learning about you and your family, along with your financial goals. Please phone or email to connect for an introductory and complementary call.
Securities Agent: OH, MA, PA, TN, SC, KS, IN, RI, HI, MD, WA, MN, PR, NH, IL, TX, MT, NE, MO, LA, NV, WI, MI, VT, UT, FL, AZ, CA, NM, WY, SD, ID, MS, CT, IA, OR, WV, NJ, AL, NY, AK, VI, ND, NC, KY, OK, DC, VA, CO, ME, GA, AR, DE; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1347321
CA Insurance License #: 0E07230
NMLS#: 1347321
CA Insurance License #: 0E07230
About Ross Alan Monten
Ross Alan Monten is a Portfolio Manager and Vice President, Financial Advisor, at Morgan Stanley Wealth Management. He helps people invest their hard earned money. Ross' goal is to help you and your family to lead a happier, more productive and fulfilling life.
His focus areas include Large-Cap Equity, Private Credit, Private Real Estate, and Private Equity.
Originally from Minnesota, Ross survived childhood cancer and went on to serve our country as a Naval Intelligence Officer. He is an Alumnus of Harvard Business School, the London School of Economics, and the University of Minnesota.
Please phone Ross' office and introduce yourself. He is happily accepting new clients.
CA Insurance License #: 0L34869
Disclosures:
Private Bankers are employees of Morgan Stanley Private Bank, National Association, Member FDIC.
Asset Allocation or Diversification does not guarantee a profit or protect against loss in a declining financial market.
The investments listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.
His focus areas include Large-Cap Equity, Private Credit, Private Real Estate, and Private Equity.
Originally from Minnesota, Ross survived childhood cancer and went on to serve our country as a Naval Intelligence Officer. He is an Alumnus of Harvard Business School, the London School of Economics, and the University of Minnesota.
Please phone Ross' office and introduce yourself. He is happily accepting new clients.
CA Insurance License #: 0L34869
Disclosures:
Private Bankers are employees of Morgan Stanley Private Bank, National Association, Member FDIC.
Asset Allocation or Diversification does not guarantee a profit or protect against loss in a declining financial market.
The investments listed may not be appropriate for all investors. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, and encourages investors to seek the advice of a financial advisor. The appropriateness of a particular investment will depend upon an investor's individual circumstances and objectives.
Securities Agent: CA, AR, OR, OK, MA, CT, NY, MN, NH, MT, ME, GA, DC, OH, UT, NV, WA, PA, MD, NJ, ID, AZ, NM, NC, MO, IL, HI, FL, CO, TX, TN, VA, MI, KY, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 2056738
NMLS#: 2056738
About Christopher Chequer
In 2017, I graduated from Cal Poly San Luis Obispo, earning a degree in Business Administration with a concentration in Finance. In 2018, I joined the Buena Vista Group at Morgan Stanley.
My goal is to create long-lasting relationships with our next generation of clients. I do this by leveraging years of experience with our existing client relationships, Morgan Stanley technology and our planning platforms to help clients solve their financial needs. I find it very rewarding to design financial strategies that help families buy new homes, save for college, and plan for retirement.
I’m excited about this business, meeting new people and sharing the power of everything we have to offer.
CA Insurance License #: 1994940
My goal is to create long-lasting relationships with our next generation of clients. I do this by leveraging years of experience with our existing client relationships, Morgan Stanley technology and our planning platforms to help clients solve their financial needs. I find it very rewarding to design financial strategies that help families buy new homes, save for college, and plan for retirement.
I’m excited about this business, meeting new people and sharing the power of everything we have to offer.
CA Insurance License #: 1994940
Securities Agent: AZ, CA, CO, CT, DC, DE, FL, GA, HI, ID, IL, KY, MA, MD, ME, MI, MN, MO, MT, NC, NH, NJ, NM, NV, NY, OK, OR, PA, TN, TX, UT, VA, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 2457641
NMLS#: 2457641
About Mort Johnson
Before I became a Chartered Retirement Planning Counselor, I worked in information technology for 22 years. When my wife, Donna Andrews, needed some temporary assistance, I offered to step in for a week—and stayed. Today I put my skills in management and technology to work for our clients preparing financial plans and investment proposals, and helping them with the navigation and management of their financial goals and investment assets.
Securities Agent: TN, IL, FL, NM, MT, OR, VA, WA, UT, TX, PA, OK, NY, NV, NJ, NH, NC, MO, MN, MI, ME, MD, MA, KY, ID, HI, GA, DE, DC, CT, CO, CA, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 1293892
CA Insurance License #: 0F86546
NMLS#: 1293892
CA Insurance License #: 0F86546
About Kylie Lindquist
Once I obtained my Bachelor of Science in Business Administration with an Emphasis in Marketing from Chico State University, I began my career in finance. My purpose as a Registered Client Service Associate is to tend to your needs the best I can and provide you with important information in an efficient and accurate manner.
My main goal is to learn how to properly perform the duties of this role with the help of you in challenging me. With that in mind, you will always be greeted with a positive attitude as well your requests being fulfilled no matter the extent of the task. I’m very excited to get to know each one of you and please don’t hesitate to reach out if you need anything at all.
CA Insurance License #: 4426538
My main goal is to learn how to properly perform the duties of this role with the help of you in challenging me. With that in mind, you will always be greeted with a positive attitude as well your requests being fulfilled no matter the extent of the task. I’m very excited to get to know each one of you and please don’t hesitate to reach out if you need anything at all.
CA Insurance License #: 4426538
About Karen Jaffe
I worked for non-profit organizations for close to two decades and I hope to bring the same mission of integrity and service to my time now in Wealth Management. I am a Certified Financial Planner* and have obtained my California Insurance License as well. (*Disclaimer: This role cannot solicit or provide investment advice.)
I look forward to helping you with all that I know and will learn.
I look forward to helping you with all that I know and will learn.
CA Insurance License #: 4248944
About Viola Choice
Being the first person in my family to attend college, I knew that success was destined but also knew I had to work twice as hard. Following matriculation at Clark Atlanta University in Atlanta, GA with a degree in Business Management, I chose to work in the financial industry. I saw a need for financial education in my community and made it a goal to help bridge the gap. Here at the Buena Vista Group we have a passion for helping our clients reach not only their financial and business goals but their personal goals as well.
As a Client Services Professional I pride myself in making sure you have the support you need in navigating your finances and understanding your financial journey. We are here for you, and will continue to keep your best interest as a priority!
As a Client Services Professional I pride myself in making sure you have the support you need in navigating your finances and understanding your financial journey. We are here for you, and will continue to keep your best interest as a priority!
About Santiago Dayrit
I have enjoyed working for Morgan Stanley for more than 23 years and have been fortunate to work in our Berkeley, Walnut Creek, and Napa offices. As a Client Services Professional, I enjoy working with our clients and helping them simplify their financial lives. In my free time, I really enjoy spending time with my family, playing the ukelele and guitar, rooting for the 49ers, Warriors, and Giants, and barbequing, especially pork belly, short ribs and oysters! I look forward to helping you and your family!
Contact Donna Andrews
Contact Chuck Grohs
Contact Ross Alan Monten
Contact Christopher Chequer
Contact Mort Johnson
Wealth Management
Global Investment Office
Portfolio Insights
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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
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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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 Buena Vista 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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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 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.
5The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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 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.
5The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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)
