Beth Colón, CFP®, CDFA®
Senior Vice President, Wealth Management, Financial Advisor, Family Wealth Director
The Cardinal One Group at Morgan Stanley
Our Mission Statement
Your Direction, Our Stewardship.
One Family at a Time
One Family at a Time
Our Story and Services
We believe success in achieving important financial goals starts with a comprehensive wealth strategy. We will help you define what is most important to you and then formulate the strategies that are appropriate for your needs, whether you are accumulating wealth or investing for income, solidifying your retirement plan or devising a distribution approach that helps meet your lifestyle and legacy goals.
Services Include
- Wealth ManagementFootnote1
- Trust ServicesFootnote2
- Estate Planning StrategiesFootnote3
- Financial PlanningFootnote4
- Retirement PlanningFootnote5
- Alternative InvestmentsFootnote6
- 401(k) Rollovers
- Divorce Financial AnalysisFootnote7
- Philanthropic ManagementFootnote8
- Sustainable InvestingFootnote9
- Institutional ServicesFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Resources for You and Your Family
As your family grows and your wealth increases, you may face more subtle and profound wealth management issues.
Our goal is to understand your vision, preferences and unique circumstances so that we can work with you to help develop an overall wealth management strategy. As the demands of your family grow and evolve, we are here to help you navigate the responsibilities of wealth.
Our Family Office Resources Include:
Estate Planning Strategies
Trust, Tax, and Estate Strategy has the potential to be incredibly powerful if executed correctly. For a succesful plan, it is crtical to create an implementation guide in combination with a strategy.
Trust Services
Our trustee and investment services offer a versatile platform to help you address the next phase of your financial objectives.
Wealth Planning & Strategies
Our specialists help you create long-term strategic asset allocations by working with your established estate plan and cosnidering your goals, risk tolerance, liquidity needs, time horizon, tax situation, legal requirements, and any preferences or special circumstances.
Insurance Solutions
We consider all wealth transfer, tax planning, and philanthropic needs when assesing your insuance needs.
Philanthropy Management
We support individuals, families, corporate and private foundations, and nonprofit organizations by offering a suite of services to help define and realize charitable missions.
Private Banking & Lending
A comprehensive wealth strategy often includes prudent borrowing to complement investments.
Lifestyle Advisory
We provide bespoke solutions and access to knowledgeable; highly personal speacilaists to meet exceptional needs, from the everyday to the extraordinary.
Art Resources
Art may play a signifcant role in the context of a collector's overall wealth.
Location
1100 Poydras St
Suite 1900
New Orleans, LA 70163
US
Direct:
(504) 587-9610(504) 587-9610
Meet The Cardinal One Group
Holly Nichols, CFP®
Senior Vice President, Financial Advisor
Phone:
(504) 585-3999(504) 585-3999
Phone:
(504) 585-3969(504) 585-3969
Kevin G Mackey, CFP®
Financial Advisor
Phone:
(504) 582-2839(504) 582-2839
Carla Marciniak
Senior Client Service Associate
Phone:
(504) 587-9645(504) 587-9645
Lisa Oubre
Client Service Associate
Phone:
(504) 585-3966(504) 585-3966
About Beth Colón
With over 20 years’ experience in the financial industry, Beth has developed and refined a process to help empower clients and their families to realize their financial aspirations. Her focus lies in orchestrating comprehensive wealth plans, meticulously addressing investment and risk management, tax management strategies, wealth transfer, retirement income planning, business succession, and philanthropy.
Her clientele includes dynamic entrepreneurs, astute business proprietors, accomplished executives, dedicated medical professionals, and flourishing multi-generational families. As a Certified Financial Planner and Divorce Financial Analyst, she helps guide clients through pivotal life transitions. Whether navigating the sale of a business, contemplating retirement, embarking on a new career path, or coping with the loss of a spouse due to death or divorce, she delivers, implements, and oversees personalized financial blueprints.
In 2022, Beth was selected to participate in Morgan Stanley’s Family Wealth Director Program. This invitation only, academic program serves as an industry role model for advisors who work with families of significant means. With only 5% of Morgan Stanley advisors having this designation as of December 2023, Beth is part of an elite group of advisors with a specialized toolkit and basket of resources to help families address the complex challenges of managing significant wealth.
Beyond her professional endeavors, she is an ardent advocate for the community, having served on the boards of many local nonprofits. An avid triathlete, she enjoys competing in Ironman 70.3 races across the globe and spends her early morning hours training. Beth resides in New Orleans, Louisiana, with her husband Jimmie, a Pediatric Cardiac Anesthesiologist, and their three children.
Forbes Top Women Wealth Advisors Best-In-State 2022, 2023, 2024
Forbes Best-In-State 2023, 2024 Wealth Advisors
2022,2023,2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (2022,2023, 2024). Forbes America's Top Wealth Advisors ranking awarded in 2022,2023, 2024. Each ranking was based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher). This evaluation process concluded in March of the year the award was issued having commenced in March of the previous year. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ratings. These rankings are based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and these rankings may not be representative of any one client’s experience. These rankings are not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research or Forbes. For more information, see www.SHOOKresearch.com.
2023,2024 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors) Source: Forbes.com (2023,2024). Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State ranking awarded in 2023,2024. Each ranking was based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher). This evaluation process concluded in September of the previous year the award was issued having commenced in September of the year before that. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s experience. These rankings are not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com. ©2022 Morgan Stanley Smith Barney LLC. Member SIPC
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.
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 matters involving trusts, estate planning, charitable giving, philanthropic planning or other legal matters.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Morgan Stanley Smith Barney LLC. Member SIPC. CRC 3822790 8/24
Her clientele includes dynamic entrepreneurs, astute business proprietors, accomplished executives, dedicated medical professionals, and flourishing multi-generational families. As a Certified Financial Planner and Divorce Financial Analyst, she helps guide clients through pivotal life transitions. Whether navigating the sale of a business, contemplating retirement, embarking on a new career path, or coping with the loss of a spouse due to death or divorce, she delivers, implements, and oversees personalized financial blueprints.
In 2022, Beth was selected to participate in Morgan Stanley’s Family Wealth Director Program. This invitation only, academic program serves as an industry role model for advisors who work with families of significant means. With only 5% of Morgan Stanley advisors having this designation as of December 2023, Beth is part of an elite group of advisors with a specialized toolkit and basket of resources to help families address the complex challenges of managing significant wealth.
Beyond her professional endeavors, she is an ardent advocate for the community, having served on the boards of many local nonprofits. An avid triathlete, she enjoys competing in Ironman 70.3 races across the globe and spends her early morning hours training. Beth resides in New Orleans, Louisiana, with her husband Jimmie, a Pediatric Cardiac Anesthesiologist, and their three children.
Forbes Top Women Wealth Advisors Best-In-State 2022, 2023, 2024
Forbes Best-In-State 2023, 2024 Wealth Advisors
2022,2023,2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (2022,2023, 2024). Forbes America's Top Wealth Advisors ranking awarded in 2022,2023, 2024. Each ranking was based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher). This evaluation process concluded in March of the year the award was issued having commenced in March of the previous year. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ratings. These rankings are based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and these rankings may not be representative of any one client’s experience. These rankings are not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research or Forbes. For more information, see www.SHOOKresearch.com.
2023,2024 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors) Source: Forbes.com (2023,2024). Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State ranking awarded in 2023,2024. Each ranking was based on an evaluation process conducted by SHOOK Research LLC (the research company) in partnership with Forbes (the publisher). This evaluation process concluded in September of the previous year the award was issued having commenced in September of the year before that. Neither Morgan Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors paid a fee to SHOOK Research LLC to obtain or use the ranking. This ranking is based on in-person and telephone due diligence meetings to evaluate each advisor qualitatively, a major component of a ranking algorithm that includes client retention, industry experience, review of compliance records, firm nominations, and quantitative criteria, including assets under management and revenue generated for their firms. Investment performance is not a criterion. Rankings are based on the opinions of SHOOK Research LLC and this ranking may not be representative of any one client’s experience. These rankings are not indicative of the Financial Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated with SHOOK Research LLC or Forbes. For more information, see www.SHOOKresearch.com. ©2022 Morgan Stanley Smith Barney LLC. Member SIPC
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.
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 matters involving trusts, estate planning, charitable giving, philanthropic planning or other legal matters.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Morgan Stanley Smith Barney LLC. Member SIPC. CRC 3822790 8/24
Securities Agent: PA, RI, OH, MA, DC, AL, KS, GA, FL, DE, WI, SC, OK, NY, UT, ID, AZ, AK, WA, PR, OR, NC, MT, MD, CO, MO, KY, IN, NJ, LA, CT, CA, VA, TN, NM, MS, IL, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 1295543
NMLS#: 1295543
About Holly Nichols
Holly Nichols joined Morgan Stanley as a Senior Vice President in 2019 after spending the previous 17 years with J.P. Morgan and its predecessor bank. She is a CERTIFIED FINANCIAL PLANNER™, a Financial Advisor and Alternatives Investment Director at Morgan Stanley.
Holly’s passion and dedication is helping people achieve their goals. Over the years, she has built her practice advising wealthy families, business owners, foundations and endowments. She advises her clients in various aspects of their financial needs, helping design solutions to meet each person’s unique financial goals through investing, planning, cash management, lending and wealth transfer.
Holly began her wealth management career immediately after college as a Financial Advisor at Morgan Keegan & Co. She has held numerous positions since 1987, including management roles. Born and raised in New Orleans, Holly attended Isidore Newman School, Trinity Episcopal School and Academy of the Sacred Heart. She graduated from Louisiana State University with a Bachelor of Science Degree in Business Administration.
Holly is married to James Nichols and lives in Old Metairie. She has a son, William Nalty II, who resides in Lexington, KY. Holly also has two stepchildren, Jay Nichols (wife Laura Beth) and Kate Nichols Totterdale (husband Matt), and five grandchildren.
An avid equestrian, Holly travels the country for competitions with American Saddlebreds and American Hackney Ponies. She is very active in the volunteer community locally with various non-profits and at the national level within the equine industry. In 2019, she completed a six-year commitment on the American Saddlebred Horse Association Board of Directors. In 2023, Holly completed a three-year commitment on the American Hackney Horse Society Board of Directors.
Holly holds the following licenses: Series 7, 63, 66, 27, 53, 4, 24, Security Industry Essentials, Life, Health & Accident Insurance (including Long Term Care), Property and Casualty Insurance & Variable Annuity Licenses.
Holly’s passion and dedication is helping people achieve their goals. Over the years, she has built her practice advising wealthy families, business owners, foundations and endowments. She advises her clients in various aspects of their financial needs, helping design solutions to meet each person’s unique financial goals through investing, planning, cash management, lending and wealth transfer.
Holly began her wealth management career immediately after college as a Financial Advisor at Morgan Keegan & Co. She has held numerous positions since 1987, including management roles. Born and raised in New Orleans, Holly attended Isidore Newman School, Trinity Episcopal School and Academy of the Sacred Heart. She graduated from Louisiana State University with a Bachelor of Science Degree in Business Administration.
Holly is married to James Nichols and lives in Old Metairie. She has a son, William Nalty II, who resides in Lexington, KY. Holly also has two stepchildren, Jay Nichols (wife Laura Beth) and Kate Nichols Totterdale (husband Matt), and five grandchildren.
An avid equestrian, Holly travels the country for competitions with American Saddlebreds and American Hackney Ponies. She is very active in the volunteer community locally with various non-profits and at the national level within the equine industry. In 2019, she completed a six-year commitment on the American Saddlebred Horse Association Board of Directors. In 2023, Holly completed a three-year commitment on the American Hackney Horse Society Board of Directors.
Holly holds the following licenses: Series 7, 63, 66, 27, 53, 4, 24, Security Industry Essentials, Life, Health & Accident Insurance (including Long Term Care), Property and Casualty Insurance & Variable Annuity Licenses.
Securities Agent: CA, OK, FL, AR, GA, TN, SC, NC, MT, MA, CT, WA, TX, NM, MO, MD, DE, UT, RI, OH, NY, MS, MI, KY, KS, DC, ID, PR, IN, CO, WI, IL, AL, PA, LA, AZ, VA, OR; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 821786
NMLS#: 821786
About Statton Frank
Statton Frank joined Morgan Stanley as an Associate Vice President in the summer of 2019, bringing with him seven years of experience in finance. As a CERTIFIED FINANCIAL PLANNER®, Statton advises clients on all aspects of their financial life, taking a comprehensive approach to the wealth management process.
Statton began his career as a financial advisor at Merrill Lynch in 2012, where he worked on a successful team of financial professionals. During his time with Merrill Lynch, Statton leveraged his knowledge and experience with financial planning, personal banking, and asset management to help grow the team’s client base. In 2016, he was presented with an opportunity to join IBERIA Capital Partners, a local energy capital markets and investment bank, working in Institutional Equity Sales with a focus on the oil and gas industry.
In 2017, Statton returned to a client-facing role as a Banker with J.P. Morgan Private Bank, serving the cash management and lending needs of high net worth individuals and their families. Eager to offer his clients a more well-rounded suite of investment and planning solutions, Statton joined Morgan Stanley, where he is able to leverage the firm’s technology and global reach to provide clients with a more comprehensive wealth management experience.
Originally from the Fort Worth area, Statton is a 2010 graduate of the University of Texas. He and his wife, Katie, moved to New Orleans in 2011 and currently reside Uptown. In his spare time he enjoys a number of outdoor activities, including: golfing, running, and hunting.
Statton began his career as a financial advisor at Merrill Lynch in 2012, where he worked on a successful team of financial professionals. During his time with Merrill Lynch, Statton leveraged his knowledge and experience with financial planning, personal banking, and asset management to help grow the team’s client base. In 2016, he was presented with an opportunity to join IBERIA Capital Partners, a local energy capital markets and investment bank, working in Institutional Equity Sales with a focus on the oil and gas industry.
In 2017, Statton returned to a client-facing role as a Banker with J.P. Morgan Private Bank, serving the cash management and lending needs of high net worth individuals and their families. Eager to offer his clients a more well-rounded suite of investment and planning solutions, Statton joined Morgan Stanley, where he is able to leverage the firm’s technology and global reach to provide clients with a more comprehensive wealth management experience.
Originally from the Fort Worth area, Statton is a 2010 graduate of the University of Texas. He and his wife, Katie, moved to New Orleans in 2011 and currently reside Uptown. In his spare time he enjoys a number of outdoor activities, including: golfing, running, and hunting.
Securities Agent: CA, FL, PA, KY, CT, CO, VA, ID, RI, OH, OR, KS, MT, MI, MA, GA, DE, UT, TX, TN, NY, MO, SC, NM, MD, IL, DC, AL, OK, MS, LA, IN, AZ, AR, WI, WA, PR, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 936635
NMLS#: 936635
About Kevin G Mackey
Securities Agent: DC, CA, LA, VA, NC, IN, MS, OH, AL, GA, WA, FL, OK, SC, MA, UT, NY, AK, TX; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1441549
NMLS#: 1441549
About Carla Marciniak
Carla is a Senior Client Service Associate with over 31 years of experience in the financial services industry. She handles all administrative and operational needs for clients.
A graduate of Southeastern Louisiana University with a degree in Business Administration, Carla began her career with Smith Barney in 1993. Her depth of experience enables her to deliver best-in-class service to our clients.
Carla is a lifelong resident of the New Orleans metro area. She has two Chihuahua’s, Jax and Linc, and they are members of the Krewe of Poseidon Mardi Gras Club.
Carla is a lifelong resident of the New Orleans metro area. She enjoys spending time with family and friends, cooking, cheering for the Saints and everything that goes along with living in New Orleans.”
A graduate of Southeastern Louisiana University with a degree in Business Administration, Carla began her career with Smith Barney in 1993. Her depth of experience enables her to deliver best-in-class service to our clients.
Carla is a lifelong resident of the New Orleans metro area. She has two Chihuahua’s, Jax and Linc, and they are members of the Krewe of Poseidon Mardi Gras Club.
Carla is a lifelong resident of the New Orleans metro area. She enjoys spending time with family and friends, cooking, cheering for the Saints and everything that goes along with living in New Orleans.”
About Lisa Oubre
Lisa joined Morgan Stanley in the summer of 2019 as a Client Service Associate for The Nichols Frank Team. A 29-year veteran of the financial services industry, Lisa is committed to ensuring that clients receive the highest level of service. Lisa assists clients with account opening documents and making sure paperwork is properly completed along with handling various administrative tasks while providing world-class service in a prompt and professional manner.
Born and raised in Houma, Lisa is an alumnus of Nicholls State University and resides in New Orleans with her husband, Louis. In her spare time she enjoys being outdoors gardening, riding bikes and spending time with friends and family, especially her two children – Parker and Emma.
Born and raised in Houma, Lisa is an alumnus of Nicholls State University and resides in New Orleans with her husband, Louis. In her spare time she enjoys being outdoors gardening, riding bikes and spending time with friends and family, especially her two children – Parker and Emma.
Contact Beth Colón
Contact Holly Nichols
Contact Statton Frank
Contact Kevin G Mackey
Wealth Management
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Cardinal One 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 Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
3Morgan Stanley 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.
4Morgan 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Alternative 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.
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.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan 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.
9The 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.
10Morgan 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 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 Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
3Morgan Stanley 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.
4Morgan 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Alternative 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.
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.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan 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.
9The 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.
10Morgan 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.
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Awards Disclosures
CRC 6491812 (04/2024)
