Senior Vice President, Wealth Management, Financial Advisor, Alternative Investments Director, Senior Portfolio Manager
Phone:
(925) 730-3810(925) 730-3810
The Cardinal Group at Morgan Stanley
Direct:
(925) 730-3816(925) 730-3816
Toll-Free:
(800) 834-4434(800) 834-4434
Our Mission Statement
Our mission is to help you distill your needs and goals into a clear vision, and then build a wealth management structure strong enough to support you today and flexible enough to let you build for the future.
Looking to the Future
At the Cardinal Group we've spent our careers providing comprehensive, integrated, and objective financial advice to our clients, so that they can devote their time and energy to what matters most to them. We understand the emotions that drive your decisions about money. We know that it is an uncertain, changing, and ambiguous world out there. Let us bring an element of order and simplicity to you and your family. Let us help you build true wealth, however you define it.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Professional Portfolio ManagementFootnote3
- Alternative InvestmentsFootnote4
- Cash Management and Lending ProductsFootnote5
- Executive Financial ServicesFootnote6
- Retirement PlanningFootnote7
- Trust Services*
- Philanthropic Services
- Sustainable InvestingFootnote8
- Planning for Education FundingFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Upcoming Event
Please stay tuned for updates, as we will be sure to announce any new events here as soon as they become available.
Our Process Step by Step
Every successful journey starts with solid planning. The Cardinal Group helps create your roadmap by developing strategic recommendations based on a clear understanding of your goals and your vision for the future. Our seven-step planning process is designed to identify the strengths and weaknesses of your financial position, align decisions to objectives, and help us stay nimble and adapt as circumstances change. We guide every client through the following experience:
Introductory Meeting
We begin with a brief conversation to get to know one another. We understand that choosing a financial advisory team is a weighty decision and it’s important that everyone is certain that this is a good fit. We’ll identify your goals, values and concerns and answer any questions that you may have about our team and methodology.
Discovery Meeting
Assuming the decision is made to take the next step, we introduce you our financial planning and portfolio management processes. Sometimes this meeting happens immediately after the initial conversation, but often it occurs a few days to a few weeks later. The discovery meeting is the time for us to start having more in-depth conversations about your current financial situation and your goals for the future. During this meeting we will collect any relevant asset and liability statements, insurance policies, and estate and tax documents, we will discuss your goals for retirement and any other upcoming needs, wants and wishes, and explore any concerns you have with regard to your financial goals.
Analyze Your Finances and Develop Your Plan
Before we meet again we will review and assess the information you’ve provided for us. Because we believe that a solid plan is the key to success, this period is largely devoted to the creation of a comprehensive wealth management plan. During this time we also perform a high level analysis of your current investment portfolio to bring to your attention and address any unexpected risks or problems.
Deliver Your Wealth Management Plan
One to two weeks later, we will meet to discuss your personalized wealth management plan. We use industry leading financial planning tools to develop recommendations to help you protect and grow your wealth and achieve your goals. This includes retirement and estate planning strategies and a risk tolerance assessment.. Should you decide to begin a relationship with the Cardinal Group we will begin opening your new accounts and initiating the transfer of assets to Morgan Stanley.
Investment Strategy Implementation
If your financial plan is the map to reach your long term goals, a solid investment plan is the vehicle to help get you there. Once your assets have transferred we will present strategies to fine tune your wealth plan and address concerns such as taxes, income needs, and risk to modify your current portfolio. Once we receive your approval, we will start to put the recommended strategies into place. We begin to conduct trades and implement the agreed-upon investment approach.
Monitor Progress
In the first few months of our new relationship you can expect frequent contact from our team as we report on the implementation of the investment plan, review your early account statements, walk you through online account access and mobile resources, and address any outstanding concerns. We then establish periodic review meetings when we will check in to discuss the health of your investments and any changes that may affect your wealth plan. You will also be able to track your progress via Morgan Stanley Online. As any of your circumstances change, we will align your strategy with new objectives.
Wealth Management Philosophy
We believe that investors who take advantage of professional advice have a greater chance of attaining their goals that those who do not.
We believe that the financial and regulatory landscape has become increasingly complex and that we provide a valuable service to our clients by helping them make sense of it all.
We believe that a deep discovery process and regular, open communication leads to a true shared understanding of your personal and financial goals and the best possible client experience.
We believe that investing is an emotional process, and that an informed and objective financial advisor can help manage those emotions, leading to better outcomes.
We believe that a disciplined approach to portfolio construction and careful risk management are some of the keys to a successful investment plan.
We believe that the cost of professional advice is much lower than the cost of getting it wrong.
We believe that true wealth is measured by much more than the sum of your assets.
Our Digital Offerings
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Below are a few of the technologies we have to offer 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 App. MSO has a variety of features such as eAuthorizations and eDelivery.
Learn More About MSO
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
Data Security
At Morgan Stanley, our highest priority is keeping your information protected. Morgan Stanley dedicates significant resources to protecting your assets and personal information.
- Strong encryption protocols designed to protect your data.
- Continuous monitoring to help detect and prevent fraud.
- Routine testing of our systems and security protocols.
Learn More About Our Online Security Measures- Strong encryption protocols designed to protect your data.
- Continuous monitoring to help detect and prevent fraud.
- Routine testing of our systems and security protocols.
Portfolio Risk Platform – Powered by Aladdin
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types.
Learn How We Mitigate Risk
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 More About GPS
Digital Vault
In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors.
Learn More About Digital VaultLocation
4309 Hacienda Drive
Ste 200
Pleasanton, CA 94588
US
Direct:
(925) 730-3816(925) 730-3816
Toll-Free:
(800) 834-4434(800) 834-4434
Meet The Cardinal Group
Neil D Menzies, CFP®, CAP®
Senior Vice President, Wealth Management, Financial Advisor, Senior Investment Management Consultant, Family Wealth Advisor
Phone:
(925) 730-3844(925) 730-3844
Sarah Phillips
Vice President, Wealth Management, Financial Advisor
Phone:
(925) 730-3822(925) 730-3822
Michael Alan Cott
First Vice President, Financial Advisor
Phone:
(925) 730-3839(925) 730-3839
Christine Rezk
Client Service Associate
Phone:
(925) 730-3816(925) 730-3816
Melinda Liu
Client Service Associate
Phone:
(925) 730-3883(925) 730-3883
About Christopher Symank
Christopher Symank
Senior Vice President
Senior Portfolio Manager
Investment Management Consultant
Financial Advisor
CA Insurance License #0G37418
NMLS #1275723
Chris has an entrepreneurial background. Prior to launching his career in financial services, he founded two companies focused on the production and sale of agricultural commodities. His experiences building, growing, and ultimately selling these companies have helped him understand the emotional commitment and sacrifice required of a successful business owner.
That connection fueled his decision to co-found The Cardinal Group at Morgan Stanley with Neil Menzies in 2008. Chris works closely with the team’s business-owner clients, bringing his personal experience to bear as he helps them grow, integrate and, where necessary, separate, their business and personal finances. Chris also acts as the team’s chief portfolio manager and is responsible for investment due diligence.
Born and raised in the St. Louis area, Chris relocated to California in the early 1980’s. He attended high school in the East Bay and then moved to the Peninsula where he earned a bachelor’s degree from Stanford University. A devoted supporter of his alma mater, Chris is a member of the Stanford Alumni Association, the Buck Cardinal Club, and a season ticket holder to Stanford Football—a passion he has instilled in his three sons.
Chris lives in San Ramon with his wife Lisa, and their sons. An avid outdoorsman, he enjoys backpacking and fishing with his boys and volunteers with his church as an elder and youth leader. He also enjoys gourmet cooking, gardening, and travel.
Senior Vice President
Senior Portfolio Manager
Investment Management Consultant
Financial Advisor
CA Insurance License #0G37418
NMLS #1275723
Chris has an entrepreneurial background. Prior to launching his career in financial services, he founded two companies focused on the production and sale of agricultural commodities. His experiences building, growing, and ultimately selling these companies have helped him understand the emotional commitment and sacrifice required of a successful business owner.
That connection fueled his decision to co-found The Cardinal Group at Morgan Stanley with Neil Menzies in 2008. Chris works closely with the team’s business-owner clients, bringing his personal experience to bear as he helps them grow, integrate and, where necessary, separate, their business and personal finances. Chris also acts as the team’s chief portfolio manager and is responsible for investment due diligence.
Born and raised in the St. Louis area, Chris relocated to California in the early 1980’s. He attended high school in the East Bay and then moved to the Peninsula where he earned a bachelor’s degree from Stanford University. A devoted supporter of his alma mater, Chris is a member of the Stanford Alumni Association, the Buck Cardinal Club, and a season ticket holder to Stanford Football—a passion he has instilled in his three sons.
Chris lives in San Ramon with his wife Lisa, and their sons. An avid outdoorsman, he enjoys backpacking and fishing with his boys and volunteers with his church as an elder and youth leader. He also enjoys gourmet cooking, gardening, and travel.
Securities Agent: CO, AK, WI, NC, WA, MO, MA, ID, FL, DC, GA, TN, LA, KS, VA, SC, OH, KY, HI, AZ, TX, PA, NJ, MT, NV, MD, IA, CT, OK, NY, NH, MS, IL, CA, OR, MN, UT, NE; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1275723
CA Insurance License #: 0G37418
NMLS#: 1275723
CA Insurance License #: 0G37418
About Neil D Menzies
Neil Menzies, CFP®, CAP®
Senior Investment Management Consultant
Family Wealth Advisor
Senior Vice President - Wealth Management
Financial Advisor
CA Insurance License #0C80951
Having started his Financial Advisory career in the San Jose, CA office of Merrill Lynch just before the NASDAQ peaked in March of 2000, Neil decided to focus his early years on the twin pillars of planning and protection. In order to serve the specific needs of his Silicon Valley clients, Neil built his practice around executives, entrepreneurs, and engineers with significant equity compensation and concentrated positions of stock, and he continues to advise our clients in those areas today.
Neil joined Smith Barney in 2005, and co-founded the Cardinal Group with Chris Symank in 2008. Today, Neil oversees the liability management, risk management, and financial planning practice areas within the team.
In addition to acquiring a number of internal titles and designations, Neil earned his CERTIFIED FINANCIAL PLANNER™ and Chartered Advisory in Philanthropy® designations from the American College in 2002 and 2003, respectively.
Born and raised in New York City, Neil eventually made his way to California, where he graduated from Stanford University with an AB in International Relations and an AM in International Policy Studies. A devoted alumnus and a lover of sport, Neil has been attending Stanford football games since his undergraduate days, and he has been a season ticket holder since 2010.
More than two decades after graduating, Neil has maintained strong ties to his alma mater. He earned an Outstanding Achievement Award for his volunteer service in 2004, and served as a member of the Stanford Alumni Association’s Board of Directors from 2004-2009. He and his family also support a partial athletic scholarship at Stanford.
Neil also serves as Chief Financial Officer for The Meg Foundation, an organization dedicated to empowering children and their families with the tools, skills, and support to prevent and relieve unnecessary pain while undergoing needle sticks, COVID-19 tests, and other medically necessary procedures.
Neil lives in Blackhawk with his son Owen. When not on the golf course, he can often be found attending concerts, travelling, and playing or watching sports.
Senior Investment Management Consultant
Family Wealth Advisor
Senior Vice President - Wealth Management
Financial Advisor
CA Insurance License #0C80951
Having started his Financial Advisory career in the San Jose, CA office of Merrill Lynch just before the NASDAQ peaked in March of 2000, Neil decided to focus his early years on the twin pillars of planning and protection. In order to serve the specific needs of his Silicon Valley clients, Neil built his practice around executives, entrepreneurs, and engineers with significant equity compensation and concentrated positions of stock, and he continues to advise our clients in those areas today.
Neil joined Smith Barney in 2005, and co-founded the Cardinal Group with Chris Symank in 2008. Today, Neil oversees the liability management, risk management, and financial planning practice areas within the team.
In addition to acquiring a number of internal titles and designations, Neil earned his CERTIFIED FINANCIAL PLANNER™ and Chartered Advisory in Philanthropy® designations from the American College in 2002 and 2003, respectively.
Born and raised in New York City, Neil eventually made his way to California, where he graduated from Stanford University with an AB in International Relations and an AM in International Policy Studies. A devoted alumnus and a lover of sport, Neil has been attending Stanford football games since his undergraduate days, and he has been a season ticket holder since 2010.
More than two decades after graduating, Neil has maintained strong ties to his alma mater. He earned an Outstanding Achievement Award for his volunteer service in 2004, and served as a member of the Stanford Alumni Association’s Board of Directors from 2004-2009. He and his family also support a partial athletic scholarship at Stanford.
Neil also serves as Chief Financial Officer for The Meg Foundation, an organization dedicated to empowering children and their families with the tools, skills, and support to prevent and relieve unnecessary pain while undergoing needle sticks, COVID-19 tests, and other medically necessary procedures.
Neil lives in Blackhawk with his son Owen. When not on the golf course, he can often be found attending concerts, travelling, and playing or watching sports.
Securities Agent: OR, CA, PA, NE, NC, GA, CT, AK, HI, WA, LA, IA, MS, UT, TX, MD, CO, TN, NY, MA, KY, IL, VA, SC, NH, ID, FL, MO, KS, NV, MT, DC, AZ, OK, WI, OH, NJ, MN; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1268263
CA Insurance License #: 0C80951
NMLS#: 1268263
CA Insurance License #: 0C80951
About Sarah Phillips
Sarah Phillips
Financial Advisor
CA Insurance License # 4134423
A member of The Cardinal Group since 2018, Sarah manages marketing, event planning and client relations for the team. Specifically Sarah develops close relationships with our clients in order to know their stories to ensure we are doing all we can to help them achieve their goals. She also works closely with women who are going through transitions in their lives, whether the result of divorce, the death of a spouse, or a career change, so that we are able to effectively service their unique financial needs.
Sarah graduated from the University of Colorado at Boulder in 2004 with a bachelor’s degree in Environmental Design, and originally planned to pursue a career in architecture. Her decision to enter the financial world was a result of the career path reassessment one goes through when having fallen victim to a recession. She joined Morgan Stanley in 2011, and served in a number of roles before joining the Cardinal Group as the team’s Client Service Associate. Recognizing her impressive work ethic and keen intellect, Chris and Neil encouraged Sarah to consider a financial advisory role and she decided to transition to that capacity in mid-2020.
Born and raised in Danville, Sarah and her husband Jeff now live in nearby San Ramon with their two young children. She enjoys cooking, reading, and watching live theatre. She also enjoys spending time with her kids and sharing with them all of her favorite experiences growing up in the Bay Area.
Financial Advisor
CA Insurance License # 4134423
A member of The Cardinal Group since 2018, Sarah manages marketing, event planning and client relations for the team. Specifically Sarah develops close relationships with our clients in order to know their stories to ensure we are doing all we can to help them achieve their goals. She also works closely with women who are going through transitions in their lives, whether the result of divorce, the death of a spouse, or a career change, so that we are able to effectively service their unique financial needs.
Sarah graduated from the University of Colorado at Boulder in 2004 with a bachelor’s degree in Environmental Design, and originally planned to pursue a career in architecture. Her decision to enter the financial world was a result of the career path reassessment one goes through when having fallen victim to a recession. She joined Morgan Stanley in 2011, and served in a number of roles before joining the Cardinal Group as the team’s Client Service Associate. Recognizing her impressive work ethic and keen intellect, Chris and Neil encouraged Sarah to consider a financial advisory role and she decided to transition to that capacity in mid-2020.
Born and raised in Danville, Sarah and her husband Jeff now live in nearby San Ramon with their two young children. She enjoys cooking, reading, and watching live theatre. She also enjoys spending time with her kids and sharing with them all of her favorite experiences growing up in the Bay Area.
Securities Agent: IL, CO, MD, FL, WI, MA, KY, KS, CT, OK, MO, ID, HI, SC, NC, AK, MT, VA, GA, CA, WA, PA, NH, MS, MN, LA, DC, OH, NY, NJ, IA, AZ, TN, OR, UT, TX, NV, NE; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 2075306
CA Insurance License #: 4134423
NMLS#: 2075306
CA Insurance License #: 4134423
About Michael Alan Cott
Michael graduated from UC Berkeley in 1979 and began working for Merrill Lynch following graduation. Michael has worked for various mutual fund investment firms in regional sales capacities, culminating as Regional Director for UBS for the Pacific North region. Michael lives in Pleasanton and has a grown daughter and son.
Michael focuses on the investment solutions in building customized portfolios, with the emphasis on balanced stock/bond accounts and tax advantaged income when appropriate. With the merger of the Cott/Nejedly Team with the Cardinal Group at Morgan Stanley in 2023, Michael focuses his efforts on both taxable and tax-free fixed income solutions for clients.
Michael is a dedicated fly fisherman and a current member of the Diablo Valley Fly Fishers. He also enjoys cooking, playing chess and reading.
Michael focuses on the investment solutions in building customized portfolios, with the emphasis on balanced stock/bond accounts and tax advantaged income when appropriate. With the merger of the Cott/Nejedly Team with the Cardinal Group at Morgan Stanley in 2023, Michael focuses his efforts on both taxable and tax-free fixed income solutions for clients.
Michael is a dedicated fly fisherman and a current member of the Diablo Valley Fly Fishers. He also enjoys cooking, playing chess and reading.
Securities Agent: WA, OR, VT, PA, MD, KS, NV, MO, ID, CA, AK, WI, VA, IL, NM, NJ, HI, TX, OK, NC, KY, GA, DC, MA, MS, CT, NE, MT, LA, IA, FL, AZ, UT, SC, OH, NY, NH, MN, CO, TN; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282663
NMLS#: 1282663
About Christine Rezk
Christine Rezk
Client Service Associate
Though she is the newest member of the Cardinal Group, Christine has nearly 8 years of experience in the financial service industry. A former service manager with Wells Fargo, Christine’s strengths are in client service and handling compliance and audit issues.
Having joined the Cardinal Group in 2020, Christine oversees all of the team’s operational and administrative work. She directs the group’s paperwork, helps new clients transition into the practice, services all client accounts, and handles the receipt and distribution of all checks, wires, and assets moving into and out of client portfolios. She also works closely with Sarah on event planning and client relations for the team.
Born and Raised in Cairo, Egypt, Christine and her family emigrated to the United States in 2004. A graduate of National University, she now lives in Ripon, California. In her spare time, Christine loves to travel and trying new cuisines. She enjoys going on road trips, spending time at the beach, hiking, and watching or playing soccer.
Client Service Associate
Though she is the newest member of the Cardinal Group, Christine has nearly 8 years of experience in the financial service industry. A former service manager with Wells Fargo, Christine’s strengths are in client service and handling compliance and audit issues.
Having joined the Cardinal Group in 2020, Christine oversees all of the team’s operational and administrative work. She directs the group’s paperwork, helps new clients transition into the practice, services all client accounts, and handles the receipt and distribution of all checks, wires, and assets moving into and out of client portfolios. She also works closely with Sarah on event planning and client relations for the team.
Born and Raised in Cairo, Egypt, Christine and her family emigrated to the United States in 2004. A graduate of National University, she now lives in Ripon, California. In her spare time, Christine loves to travel and trying new cuisines. She enjoys going on road trips, spending time at the beach, hiking, and watching or playing soccer.
Contact Christopher Symank
Contact Neil D Menzies
Contact Sarah Phillips
Contact Michael Alan Cott
Wealth Management
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Portfolio Insights
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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
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
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Financial Planning for Life After Selling a Business
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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
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
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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 Cardinal 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
4Alternative 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.
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.
7When 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.
8The 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.
9When 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
4Alternative 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.
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.
7When 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.
8The 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.
9When 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.
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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:
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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)
