Charles J Carder
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(757) 259-7109(757) 259-7109
The Carder Hartman Pattisall Group at Morgan Stanley
Direct:
(757) 259-7110(757) 259-7110
Toll-Free:
(800) 582-2201(800) 582-2201
Our Mission Statement
We will help educate clients, coordinate financial matters, simplify their financial lives, and manage risk to their assets during a lifetime of service: the total wealth of clients throughout their lives and the lives of their families is our focus.
Mission Statement
Financial Planning with the Carder Hartman Pattisall Group
Here at Morgan Stanley, we pride ourselves on delivering personal, professional and ethical comprehensive wealth management solutions with a sincere focus on our clients. We measure our success in exceeding our client’s expectations and cultivating long term relationships. We strive to achieve this goal by providing high quality, customized service through our friendly, knowledgeable advisors and long standing dedicated management members. The cornerstone of our success is our clients. You’ve worked hard to build a meaningful life for yourself, your family and your community. Your wealth is not only a reflection of that hard work, but also a means for you to achieve—and maintain—financial freedom. At The Carder Hartman Pattisall Group, we are committed to helping you grow, preserve and transfer your wealth, so you are free to focus your energy on the people, activities and interests that matter to you most. We address different aspects of family wealth and come up with a solution for each of your unique needs, making it more likely that all members of the family will have the foundation they need to lead meaningful, fulfilled and engaged lives.
Here at Morgan Stanley, we pride ourselves on delivering personal, professional and ethical comprehensive wealth management solutions with a sincere focus on our clients. We measure our success in exceeding our client’s expectations and cultivating long term relationships. We strive to achieve this goal by providing high quality, customized service through our friendly, knowledgeable advisors and long standing dedicated management members. The cornerstone of our success is our clients. You’ve worked hard to build a meaningful life for yourself, your family and your community. Your wealth is not only a reflection of that hard work, but also a means for you to achieve—and maintain—financial freedom. At The Carder Hartman Pattisall Group, we are committed to helping you grow, preserve and transfer your wealth, so you are free to focus your energy on the people, activities and interests that matter to you most. We address different aspects of family wealth and come up with a solution for each of your unique needs, making it more likely that all members of the family will have the foundation they need to lead meaningful, fulfilled and engaged lives.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
Charting a clear, confident course to financial success begins with understanding your values, priorities and aspirations. Our collaboration begins with a conversation, not just about your finances, but about the relationships you cherish, the values that shape your life and the legacy you hope to leave to your children and grandchildren. We ask the right questions and listen carefully, so we can truly understand what is important to you and what you hope to accomplish with your wealth. Our goal is to translate our understanding of you into a financial roadmap that outlines a clear path to your goals. Through each step, we provide advice and investment insights to construct a plan that is uniquely yours.
Step 1: Understanding You
We begin with an in-depth conversation to understand your goals and the goals of your family, the concerns you have and what you ultimately would like to achieve. Next, we review your current future financial situation, identify the likelihood of reaching your goals, and address any potential shortfalls or the impact of unexpected life events.
Step 2: Tailoring a Solution for Your Specific Goals
Here, we'll prepare a comprehensive wealth management plan that address your individual income and cash flow needs, investment objectives and guidelines, and risk/return parameters.
Step 3: Implementing Your Plan
With our guidance, you'll have access to a comprehensive array of strategies, services, and programs that work in tandem to help grow, preserve and transfer your wealth, while remaining aligned with your personal goals and aspirations.
Step 4: Monitoring Results Against Your Goals
We check in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards your goals. Our ultimate mission is your success and well-being.
Our Clients
Wealth is a family affair, and your financial priorities may include saving for a child or grandchild’s education, planning for the care of aging parents, and protecting your loved ones from the unexpected. As part of our multigenerational approach to wealth management, we take time to explore the dynamics of your family, and how those dynamics influence the decisions you make.
We understand that passing on your values and your purpose is integral to preserving your wealth for posterity, so we also focus on involving your family in the process. We combine our collective energy, experience, intellectual curiosity and talent to help you organize and simplify your financial life. We bring clarity to the complexities of your wealth, and help you make informed, confident decisions.
Our goal is to go beyond simply what is needed, so you always know that you have a trusted advocate in your corner.
We understand that passing on your values and your purpose is integral to preserving your wealth for posterity, so we also focus on involving your family in the process. We combine our collective energy, experience, intellectual curiosity and talent to help you organize and simplify your financial life. We bring clarity to the complexities of your wealth, and help you make informed, confident decisions.
Our goal is to go beyond simply what is needed, so you always know that you have a trusted advocate in your corner.
MS Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn more about MS Reserved Living & Giving
Retirement Planning
It’s important to determine how much money you may need to save for a comfortable retirement. Here are three strategies that can help you optimize your 401(k) plan.
Explore potential options
Wealth and Estate Planning Video Series
Explore a series of educational videos covering topics such as Foundational Estate Planning Documents, Estate & Gift Taxes, Grantor Retained Annuity Trusts (GRATs), Irrevocable Life Insurance Trusts and more.
Watch VideosLegacy Planning
Legacy planning isn't just for older people. You can consider how to provide for your loved ones while balancing your own goals at any age. Life happens quickly; make it a priority to coordinate your financial goals.
Learn MoreCommunity Involvement
Being involved in the community means building relationships. Relationships are the very things that bridge the gaps between barriers. Community involvement means spending the extra time, without being compensated. Through our various volunteering experiences, we’ve had the great fortune of having met some of the most involved individuals within our community here at Williamsburg, VA. That is what community involvement is really about: finding your passion and stepping into it.
Investing with Impact
Working with our diverse clients and helping manage their financial goals in a complex and changing market increasingly depends on a deeper relationship that extends beyond market fluctuations. Investing with Impact aims to generate market-rate financial returns while demonstrating positive environmental and/or social impact.
Our client-centered approach helps the families, individuals and organizations we serve to invest in a way that aligns their personal or organizational values with their investments. By drawing from the firm’s wide array of capabilities, Morgan Stanley has been able to leverage its market position as one of the leading Wealth Management firm to empower our clients to Invest with Impact.
Investing with Impact
Working with our diverse clients and helping manage their financial goals in a complex and changing market increasingly depends on a deeper relationship that extends beyond market fluctuations. Investing with Impact aims to generate market-rate financial returns while demonstrating positive environmental and/or social impact.
Our client-centered approach helps the families, individuals and organizations we serve to invest in a way that aligns their personal or organizational values with their investments. By drawing from the firm’s wide array of capabilities, Morgan Stanley has been able to leverage its market position as one of the leading Wealth Management firm to empower our clients to Invest with Impact.
Digital Tools
Digital technology is centered on how people communicate, consume, transact, and travel. Our comprehensive suite of digital tools are designed to help enhance various aspects of your financial life. Here are a few of the technologies we have to offer to our clients.
Morgan Stanley Online
Seamlessly and securely manage your investments and everyday finances in one place with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security Center
Financial Management Tools
Managing multiple financial accounts across different firms can be complicated. With Morgan Stanley Online, you can link your non-Morgan Stanley accounts and analyze your cash flow all in one place.
Learn More About Financial Management Tools
Goals Based Planning
Working with us, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
Learn About Our Planning Tools
LifeView Financial Plan
Regardless of what stage your life is in, we can help you achieve your financial goals. Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
LifeView Sample Plan
Family Office Resources
As your family grows and your wealth increases, you may face more subtle and profound wealth management issues. As the demand of your family grow and evolve, you will likely need professionals who have expanded capabilities.
Learn More About Family Office ResourcesLocation
437 W Duke Of Gloucester Street
Williamsburg, VA 23185
US
Direct:
(757) 259-7110(757) 259-7110
Toll-Free:
(800) 582-2201(800) 582-2201
Meet The Carder Hartman Pattisall Group
Charles W Hartman, CFP®
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Manager
Phone:
(757) 259-7110(757) 259-7110
John Pattisall, CRPS®
Senior Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(757) 259-7108(757) 259-7108
Phone:
(757) 259-7100(757) 259-7100
Phone:
(757) 259-7110(757) 259-7110
Michelle Hilstrom
Wealth Management Associate
Phone:
(757) 259-7110(757) 259-7110
Shari Barker
Registered Client Service Associate
Phone:
(757) 259-7110(757) 259-7110
About Charles J Carder
CJ Carder, Senior Portfolio Manager, Senior Vice President, Financial Advisor, brings organization and efficiency that enables our team to work cohesively for the benefit of our clients. CJ joined Morgan Stanley in 2005 after working as a Financial Planning Analyst at Northrop Grumman Newport News. As a graduate of the Firm’s esteemed Portfolio Management Program, he focuses on technical and trend analysis, portfolio risk management, and account operations. CJ was born in Germany and has lived in multiple other states, but declares himself a native of Williamsburg, having lived here for 34 years. He has a B.S. in Commerce, with double concentrations in finance and marketing, from the University of Virginia’s McIntire School of Commerce and an MBA from The College of William & Mary. CJ volunteers year-round as a coach in the Williamsburg Youth Baseball League and for the Williamsburg Revolution travel baseball program. He is an avid UVA sports fan, and enjoys traveling, playing golf, and spending time with his wife, Joy, and children.
Securities Agent: NV, CA, TX, SD, RI, LA, WI, VT, PA, MI, ME, WA, VA, UT, SC, AL, KS, MN, OH, NJ, NC, MD, DC, NY, MA, HI, DE, TN, CT, AK, WV, NM, NH, FL, CO, AZ, OR, IL, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 1278921
NMLS#: 1278921
About Charles W Hartman
Chuck Hartman, Portfolio Manager, Senior Vice President, CERTIFIED FINANCIAL PLANNER, Financial Advisor, brings a combination of skills that include professional experience and training as a project engineer, corporate finance professional and business development executive for several Fortune 500 companies. His background and analytical nature, enables him to develop customized investment and risk management strategies for the benefit of our clients. Chuck joined Morgan Stanley in 2003 and is a four-time member of the Firm’s prestigious Blue Chip Council. After graduating from Pennsylvania State University with his B.S. in Industrial Engineering, he served as an officer in the United States Air Force Reserves and earned his MBA from Northeastern University. He is well-versed in international business, having traveled extensively throughout the world. A resident of Williamsburg, Virginia, since 1993, Chuck has been married to his wife, Sally, since 1989 and they have two grown children. In his free time, Chuck enjoys traveling, golfing and following Penn State Football. An active member of the community, he is a parishioner at Saint Bede Catholic Church and a member of the Williamsburg German Club.
Securities Agent: AK, GA, WA, SC, NM, NJ, DC, WI, VA, NC, AL, KS, OR, MN, MI, ME, MD, CT, VI, LA, TX, RI, NV, CO, AZ, VT, TN, OH, NH, MA, FL, DE, CA, UT, SD, WV, PA, NY, IL, HI; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1274521
NMLS#: 1274521
About John Pattisall
John Pattisall, First Vice President, CHARTERED RETIREMENT PLAN SPECIALIST, Financial Advisor, joined Morgan Stanley in 2007 after working as a small business specialist for a large national bank. It is there he recognized his passion for helping people make confident and informed decisions that would help them reach their financial goals. He now focuses his talents on the lending and investment needs of our business owner clients. His personal background in startups and family businesses allows him to provide both empathy and experience in this role. John earned his B.A. in Public Policy from the College of William and Mary in Williamsburg, Va. He and his wife, Cathy, live in Queens Lake in Williamsburg and have three children. Outside of work, John enjoys the outdoors and his activities include golfing, hiking and spending time on the water with his family.
Securities Agent: VA, RI, WI, NC, ME, GA, AK, WA, TX, NY, NV, MN, IL, DC, KS, MA, FL, CT, CA, AL, SC, NM, NH, HI, DE, VT, TN, MI, WV, OR, OH, NJ, AZ, UT, PA, MD, LA, CO, SD; General Securities Representative; Investment Advisor Representative
NMLS#: 1285080
NMLS#: 1285080
About Richard Maurer
Richard (Dick) Maurer, Vice President and Financial Advisor, began his career in 1978 in Norfolk, Va. with the old EF Hutton & Co. Having witnessed the many changes that have occurred within the financial services industry over the ensuing 46 years Dick brings a unique perspective to the team. A graduate of Gettysburg College, Gettysburg, Pa. with a B.A. in political science in 1972, he has been a resident of Williamsburg since 2010. He has been married to his wife Marsha since 1983 and has three grown children. Dick is also an avid dog lover.
Securities Agent: ME, NJ, WA, SC, DE, CT, CA, OH, NH, GA, NC, LA, AZ, AK, SD, MI, VT, RI, MN, MA, KS, IL, HI, PA, DC, VA, UT, TN, NV, WV, WI, TX, OR, MD, FL, CO, AL, NY, NM; General Securities Representative; Investment Advisor Representative
NMLS#: 1272975
NMLS#: 1272975
About Andrew Chess
Andrew Chess, QUALIFIED PLAN FINANCIAL CONSULTANT, Financial Advisor, brings a combination of skills that include professional experience and training as a Naval Officer for over 15 years and personal and corporate finance professional for clients nation-wide for nearly five years. His personal and professional background, personability and relatability, and methodical nature enables him to develop customized financial management strategies for the benefit of clients. Andrew joined Morgan Stanley in 2024 following active duty in the US Navy and three years at a local financial services firm. After graduating from the US Naval Academy with his B.S. in English, he served as an officer in the United States Navy for 12 years then began his career as a Financial Advisor. He is well-versed in international relations, high-stress environments, and leadership, having traveled and deployed in all seven seas. A resident of Virginia since 2008, Andrew has been married to his wife, Monika, since 2012 and they have four small children.
In his free time Andrew enjoys family adventures, Scouting, traveling, and coaching and playing rugby. An active member of the community, he is a parishioner at Saint Bede Catholic Church, the William and Mary Men’s Rugby Club, Old Breed Veterans Rugby Club, Cub Scout Pack 414, Boy Scout Troop 300, and the Windsor Forest Homeowners Association Board.
In his free time Andrew enjoys family adventures, Scouting, traveling, and coaching and playing rugby. An active member of the community, he is a parishioner at Saint Bede Catholic Church, the William and Mary Men’s Rugby Club, Old Breed Veterans Rugby Club, Cub Scout Pack 414, Boy Scout Troop 300, and the Windsor Forest Homeowners Association Board.
Securities Agent: NJ, DC, CT, AR, SD, AL, MD, CA, WA, VT, NH, MN, ME, KY, KS, HI, AK, WV, UT, TX, OR, GA, FL, DE, OK, NM, IN, CO, TN, MS, RI, WI, NC, LA, NY, NV, NE, MO, VA, SC, PA, OH, MI, MA, IL, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 2628989
NMLS#: 2628989
About Michelle Hilstrom
Michelle Hilstrom, Wealth Management Associate, joined the firm in 1992 and has over 30 years of experience in the financial service industry. As Wealth Management Associate, Michelle provides the highest level of personal service to our clients while also handling our team’s operational requirements. Michelle is Series 7, 63 and 65 licensed. Michelle has been a resident of Williamsburg for over 30 years, with her two children. When not at the office, Michelle enjoys the beach, boating and traveling.
About Shari Barker
Shari Barker, Registered Client Service Associate, originally from Minnesota, joined our team in 2024. She has financial services experience in operations, client services and compliance. She earned her degree at Randolph College in Lynchburg, Virginia with a joint degree in English Literature and Economics. When not at the office, Shari can be found reading, cooking and visiting her children and granddaughter overseas.
Contact Charles J Carder
Contact Charles W Hartman
Contact John Pattisall
Contact Richard Maurer
Contact Andrew Chess
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
Tax-Smart Ways to Sell Securities
How investors can tap their portfolios in tax-savvy ways.
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
529 Plans: A Powerful Tool to Save for Education
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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 Carder Hartman Pattisall 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 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.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
5Alternative 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.
6Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other 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 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.
3Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
5Alternative 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.
6Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other 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)
