Scott Cain
Senior Vice President, Financial Advisor, Workplace Advisor - Equity Compensation
The Cain Talia Bernal Group at Morgan Stanley
Direct:
(858) 597-7764(858) 597-7764
Our Mission Statement
As a dedicated team of advisors, the Cain Talia Bernal Group is focused on delivering a sophisticated, customized, and effective plan to help navigate clients and families through the many challenges of asset protection, wealth generation, capital preservation, and a myriad of other financial objectives. We look forward to the opportunity and privilege of serving you and your family in that capacity, ensuring the highest level of integrity, transparency, and professionalism.
Our Story and Services
Exceeding half a century in combined experience, the Cain Talia Bernal Group is comprised of dedicated financial advisors and associates collectively working together to serve clients in a vast area of financial planning and wealth management. The group strives to provide successful, robust financial/wealth planning by leading with communication, transparency, and integrity while being empowered with the robust resources of Morgan Stanley Wealth Management.
Individually, each of the advisors began his career in the eastern region of San Diego - namely, La Mesa and El Cajon. Collectively, the team has expanded its client base throughout San Diego and is now based out of University Towne Center near La Jolla, California.
While providing investment advice is critical for clients’ financial success, the Cain Talia Bernal Group stands on the idea that a comprehensive financial plan and strategy are imperative to helping clients achieve economic freedom. That is why recognizing and discovering each client’s goals and priorities has become the foundation of every relationship the Group manages.
Individually, each of the advisors began his career in the eastern region of San Diego - namely, La Mesa and El Cajon. Collectively, the team has expanded its client base throughout San Diego and is now based out of University Towne Center near La Jolla, California.
While providing investment advice is critical for clients’ financial success, the Cain Talia Bernal Group stands on the idea that a comprehensive financial plan and strategy are imperative to helping clients achieve economic freedom. That is why recognizing and discovering each client’s goals and priorities has become the foundation of every relationship the Group manages.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Financial Planning
With a holistic approach to financial planning, our process begins with your financial objectives and goals. At The Cain Talia Bernal Group at Morgan Stanley, we evaluate all aspects of your financial situation and craft a strategy which aligns with your goals.
For us, financial planning is a process that goes beyond the numbers. Financial planning is a process that involves mutual trust. We strive to understand our clients as people, their goals, and what’s important to them.
For us, financial planning is a process that goes beyond the numbers. Financial planning is a process that involves mutual trust. We strive to understand our clients as people, their goals, and what’s important to them.
Certified Financial Planner™
CFP® professionals have met extensive training and experience requirements and commit to CFP Board’s ethical standards that put clients’ interests first.
Steven holds this designation.
Steven holds this designation.
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.
LifeView Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, holistic strategy that integrates the various aspects of an individual’s financial life, including investments and cash management needs.
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk PlatformTax-Efficient Strategies
Here at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We want to provide our clients with as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
4 Key Tax Questions for Investors to Consider
Factoring the impact of taxes into your investment decisions can help you keep more of your hard-earned money, both now and in the future.
Explore the Questions Here
Tax-Efficient Investing
The tax decisions you make today can help you save for years to come. Consider these smart tax strategies for your financial plan.
Learn More About Tax-Efficient Investing
How to Access Your Tax Forms
How to Access Your Tax Forms
1. Log into your account via Morgan Stanley Online
2. Click the Accounts tab
3. Select the Documents tab
4. Go to the Statement drop-down tab
5. Select Tax Documents and download them
Click Here to Log In to Morgan Stanley Online1. Log into your account via Morgan Stanley Online
2. Click the Accounts tab
3. Select the Documents tab
4. Go to the Statement drop-down tab
5. Select Tax Documents and download them
2025 Tax Tables
Here are the tax tables for 2025 to assist with your investment decisions.
2025 Tax TablesClient Resources & Tools
Our strategy leverages modern wealth tools and cutting-edge technology. By providing you with the resources you need, we can help you come one step closer to achieving your financial goals.
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
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A $695 Annual Engagement Bonus
For eligible Platinum CashPlus brokerage account clients with The Platinum Card® from American Express, exclusively for Morgan Stanley. Certain Morgan Stanley Debit Cardholders may also qualify. Terms apply.
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Investment Advisory
Manage your investments within a holistic advisory relationship and take advantage of integrated tax, risk management and estate planning benefits across your entire wealth strategy—backed by leading insights and one of the financial industry's most comprehensive, multi-award-winning advisory platforms.
Global Investment Office
The Morgan Stanley Global Investment Office provides you with world-class thought leadership timely market commentary, and portfolio ideas to help guide your investment decisions.
Morgan Stanley Portfolio Insights
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Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
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Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
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Security Center
Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
Visit our Security CenterAlternatives
We take advantage of our unique position and our affiliates to find cutting-edge techniques from some of the industry's most seasoned investing professionals. We strive to find the managers who we believe are well equipped to assist our clients in achieving their goals by conducting thorough due research on each alternative investment product on our platform. Your decisions will be based on your objectives, risk tolerance, and goals.
- Private Equity
- Private Credit
- Private Real Estate
- Private Markets
- Hedge Funds
- Digital Assets
- Exchange Funds
- Structured Investments
Location
4350 La Jolla Village Drive
Suite 1000
San Diego, CA 92122
US
Direct:
(858) 597-7764(858) 597-7764
Meet The Cain Talia Bernal Group
Steven Talia, CFP®
Senior Vice President, Financial Advisor
Phone:
(858) 597-7768(858) 597-7768
Christopher Bernal
Vice President, Financial Advisor, Workplace Advisor - Equity Compensation
Elena Maldonado
Senior Registered Client Service Associate
Phone:
(858) 597-7765(858) 597-7765
Betsy Edmunson
Senior Registered Client Service Associate
Phone:
(858) 597-7797(858) 597-7797
About Me
Scott Cain brings 20 years of experience in the industry to the Cain Talia Bernal Group at Morgan Stanley. As an advisor, Scott identifies clients goals and develops a strategy to help achieve them by analyzing their current risk, monitoring, and making adjustments as needed. Through education and communication Scott prides himself on building relationships so clients can reach their goals and financial independence with knowledge and confidence.
Before joining Morgan Stanley, Scott entered the financial industry in 2003 after graduating from San Diego State University with a B.S. in Financial Services along with a Minor in Economics. During this time he also completed his certificate in personal financial planning. Prior to his time at SDSU, Scott was stationed in Germany as a part of the United States Army: "My military background definitely shaped me into the person I am today. Skills such as clear communication, teamwork, discipline and strong work ethic - easily translate into my work on a daily basis."
Outside of the office, Scott looks to spend time with his family by traveling together and coaching his daughter's softball team throughout the years. Scott enjoys staying active by playing golf and attending SDSU sporting events, basketball being his favorite. He also remains closely connected with his university as a SDSU Tower Society Member. Most recently, Scott has become involved with the Pancreatic Cancer Action Network and plans to continue being active within the organization in the future.
Before joining Morgan Stanley, Scott entered the financial industry in 2003 after graduating from San Diego State University with a B.S. in Financial Services along with a Minor in Economics. During this time he also completed his certificate in personal financial planning. Prior to his time at SDSU, Scott was stationed in Germany as a part of the United States Army: "My military background definitely shaped me into the person I am today. Skills such as clear communication, teamwork, discipline and strong work ethic - easily translate into my work on a daily basis."
Outside of the office, Scott looks to spend time with his family by traveling together and coaching his daughter's softball team throughout the years. Scott enjoys staying active by playing golf and attending SDSU sporting events, basketball being his favorite. He also remains closely connected with his university as a SDSU Tower Society Member. Most recently, Scott has become involved with the Pancreatic Cancer Action Network and plans to continue being active within the organization in the future.
Securities Agent: AK, TN, NJ, NH, PA, SC, MD, DE, SD, MA, WI, MI, KY, AZ, VA, TX, NC, ME, GA, FL, AR, ID, HI, CO, OR, OH, KS, CA, WA, UT, NV, MN, IL, NY, MT, MS, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 2536666
NMLS#: 2536666
About Me
As a tenured, successful Financial Advisor and CERTIFIED FINANCIAL PLANNER™ professional, Steven Talia maintains an unwavering commitment to his clients to provide the highest level of service, offerings, and resources. This simple, yet critical, expectation is what ultimately prompted him to become a Financial Advisor with the Cain Talia Bernal Group at Morgan Stanley.
With experience over the past 15 years in the industry of banking, wealth management, and financial advice, Steven has seen what success and failure look like for advisors and clients alike. Equipped with experience, knowledge, ethics, and resources, he has an internal motivation to provide exceptional service in developing lifelong relationships through educating, communicating, and planning with clients.
On a personal note, Steven is proud to express his sincere gratitude to this nation, being an Iraqi-born immigrant whose parents sacrificed everything to provide an opportunity at the American Dream. A husband to an immigrant wife, Rita, and a father to a two-year-old girl, Abigail, who is first-generation born in the US, and Steven strives to show her how amazing this nation is in allowing us to all achieve everything we work hard towards.
As a part of the Cain Talia Bernal Group, Steven looks forward to having the opportunity of showing you the value of working with him and his team and providing you with confidence surrounding your wealth and retirement planning. Steven looks forward to meeting you and your family.
With experience over the past 15 years in the industry of banking, wealth management, and financial advice, Steven has seen what success and failure look like for advisors and clients alike. Equipped with experience, knowledge, ethics, and resources, he has an internal motivation to provide exceptional service in developing lifelong relationships through educating, communicating, and planning with clients.
On a personal note, Steven is proud to express his sincere gratitude to this nation, being an Iraqi-born immigrant whose parents sacrificed everything to provide an opportunity at the American Dream. A husband to an immigrant wife, Rita, and a father to a two-year-old girl, Abigail, who is first-generation born in the US, and Steven strives to show her how amazing this nation is in allowing us to all achieve everything we work hard towards.
As a part of the Cain Talia Bernal Group, Steven looks forward to having the opportunity of showing you the value of working with him and his team and providing you with confidence surrounding your wealth and retirement planning. Steven looks forward to meeting you and your family.
Securities Agent: TX, SC, OH, DE, MN, HI, FL, IN, AR, NH, MI, ID, TN, NV, GA, WI, WA, SD, NC, UT, MD, MA, AZ, OR, IL, CO, CA, AK, NJ, MT, NY, KY, VA, PA, MS, ME, KS; General Securities Representative; Investment Advisor Representative
NMLS#: 471987
NMLS#: 471987
About Me
With 15 years of experience in the financial services industry, Chris Bernal is a financial advisor with the Cain Talia Bernal Group at Morgan Stanley. Passionate about financial planning, client service, and building relationships, Chris helps his clients invest with a purpose through his process of Listening, Understanding, Advising and Seeing It Through. His primary goal is to guide each client through retirement planning, legacy planning, asset allocation, cash management, insurance, and leveraging credit strategies. With his approach, Chris understands that every client has different needs and there isn't a one size fits all investment for everyone, but with planning and consistent follow up, he can do his best to give the best advice and guidance to help them meet their goals.
Before joining Morgan Stanley, Chris started in the industry in 2008 shortly after graduating from San Diego State University with a B.S. in Integrated Marketing and Communications. He currently holds his FINRA Series 7, 66, and Life & Health Insurance Licenses.
Chris grew up in the Bay Area and moved to San Diego in 2006. As an avid basketball player and fan, Chris met his wife playing basketball and loves to go to Aztec Basketball games. Happily married with 2 daughters, most of his time is spent with them going on family trips and visiting family in Los Angeles, Northern California, and Utah. Outside of the office, he also loves to BBQ and cook for friends and family.
Before joining Morgan Stanley, Chris started in the industry in 2008 shortly after graduating from San Diego State University with a B.S. in Integrated Marketing and Communications. He currently holds his FINRA Series 7, 66, and Life & Health Insurance Licenses.
Chris grew up in the Bay Area and moved to San Diego in 2006. As an avid basketball player and fan, Chris met his wife playing basketball and loves to go to Aztec Basketball games. Happily married with 2 daughters, most of his time is spent with them going on family trips and visiting family in Los Angeles, Northern California, and Utah. Outside of the office, he also loves to BBQ and cook for friends and family.
Securities Agent: NJ, PA, AZ, IL, NC, KS, HI, TN, NH, CA, AK, UT, IN, SC, OH, MD, KY, ID, DE, CO, WI, TX, NY, MN, GA, FL, WA, VA, MT, MI, MA, AR, SD, NV, MS, ME, OR; General Securities Representative; Investment Advisor Representative
NMLS#: 832908
NMLS#: 832908
About Betsy Edmunson
Betsy brings 18 years of financial services experience to the Cain Talia Bernal Group. After graduating from SDSU, Betsy began her career with Wells Fargo Bank, where she obtained her securities licenses. Betsy eventually joined Union Bank’s Private Bank office in La Jolla, where she supported a financial advisor for the next eight years. Betsy has worked with Morgan Stanley for the past several years, assisting advisors in La Jolla, Rancho Santa Fe, and is now dedicated to the Cain Talia Bernal Group. Betsy prides herself on providing the highest level of service to our valued clients.
Betsy grew up in Temecula and enjoys everything San Diego has to offer. On her free time Betsy enjoys traveling, sailing, hiking, trying new restaurants, and spending time with family.
Betsy grew up in Temecula and enjoys everything San Diego has to offer. On her free time Betsy enjoys traveling, sailing, hiking, trying new restaurants, and spending time with family.
Contact Scott Cain
Contact Steven Talia
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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
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- 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
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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.
Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
- Wealth Transfer & Philanthropy
- Private Banking Solutions
- Family Governance & Wealth Education
- Lifestyle Advisory
Ready to start a conversation? Contact The Cain Talia Bernal 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 offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley 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.
5Morgan 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
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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 offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley 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.
5Morgan 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
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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)
