Senior Vice President, Wealth Advisor, Chartered Life Underwriter, Portfolio Management Director
Phone:
(208) 338-6909(208) 338-6909
The Carillon Point Group at Morgan Stanley
Direct:
(425) 202-0633(425) 202-0633
Our Mission Statement
Excellence in family wealth planning for your family's unique goals
Our Story and Services
FAMILY VALUES, TRUST and COMMUNICATION are the essential building blocks of any relationship. Our team is built on these foundations. These values are the critical elements to the relationships we have formed with the individuals and families we serve. The Carillon Point Group (CPG) at Morgan Stanley offers sound financial advice to help you make informed decisions about your wealth now and for the generations to follow.
CPG is a comprehensive wealth management practice. Our focus is developing multi-generational financial plans that help you to achieve your goals and dreams. Wealth Management is our core competency. Wealth Management includes: Portfolio Management, Financial Planning, Insurance, Estate Planning strategies, Risk Management, and Lending. Our team has been carefully constructed from a combined 55 plus years of financial experience with each member providing an area of concentration within our core competency.
We know that that every client’s circumstances and challenges are unique. We are committed to helping you understand your total financial picture, while navigating the distractions of challenging markets and helping strengthen your family’s financial well-being. The relationships we foster emphasize highly personalized service and close communication. Our holistic approach enables us to develop customized strategies that are effective and strives to generate positive results.
At CPG we believe that every successful plan requires defined goals. Whether those goals are short term (i.e. purchasing a house, saving for kids or grandkids education) or long term (i.e. saving for retirement, passing on a family business, endowing a charity, or helping ensure wealth transfers to future generations); a financial plan is the key to potentially achieving successful results. As a team, we understand that creating the plan is just the first step; implementing and monitoring your plan is part of our full service model. Through consistent monitoring, we look for ways to tailor your portfolio, insurance, and financial plan to align with your goals and needs. We commit to serving you with dedicated service so that you know what to expect from us. Communication is tailored to meet unique situations which helps to ensure that you know that your plan is properly monitored.
Which brings us to our favorite question – What’s your plan?
CPG is a comprehensive wealth management practice. Our focus is developing multi-generational financial plans that help you to achieve your goals and dreams. Wealth Management is our core competency. Wealth Management includes: Portfolio Management, Financial Planning, Insurance, Estate Planning strategies, Risk Management, and Lending. Our team has been carefully constructed from a combined 55 plus years of financial experience with each member providing an area of concentration within our core competency.
We know that that every client’s circumstances and challenges are unique. We are committed to helping you understand your total financial picture, while navigating the distractions of challenging markets and helping strengthen your family’s financial well-being. The relationships we foster emphasize highly personalized service and close communication. Our holistic approach enables us to develop customized strategies that are effective and strives to generate positive results.
At CPG we believe that every successful plan requires defined goals. Whether those goals are short term (i.e. purchasing a house, saving for kids or grandkids education) or long term (i.e. saving for retirement, passing on a family business, endowing a charity, or helping ensure wealth transfers to future generations); a financial plan is the key to potentially achieving successful results. As a team, we understand that creating the plan is just the first step; implementing and monitoring your plan is part of our full service model. Through consistent monitoring, we look for ways to tailor your portfolio, insurance, and financial plan to align with your goals and needs. We commit to serving you with dedicated service so that you know what to expect from us. Communication is tailored to meet unique situations which helps to ensure that you know that your plan is properly monitored.
Which brings us to our favorite question – What’s your plan?
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Stock Plan ServicesFootnote3
- Asset Management
- Professional Portfolio ManagementFootnote4
- Alternative InvestmentsFootnote5
- Estate Planning StrategiesFootnote6
- Planning for Education FundingFootnote7
- 401(k) Rollovers
- Corporate Retirement PlansFootnote8
- Life InsuranceFootnote9
- Long Term Care InsuranceFootnote10
- AnnuitiesFootnote11
- Cash Management and Lending ProductsFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
At the Carillon Point Group we work closely with clients to help meet their needs. To do best by our clients we offer a wide range of services beyond investment advice. As a result we serve a wide range of clients and tend to work closely with the entire family, assisting every generation toward financial freedom.
Our process starts with understanding your goals and needs. We then construct a custom financial plan and investment strategy to help meet them. Once the plan is in place we monitor your progress to ensure you stay on track to achieve your goals.
Discover
Start with conversation to uncover your goals, and understand your entire financial situation.
Advise
Work with you to assess your current path, various alternate scenarios, and advise you on the strategies to help meet your goals.
Implement
Look across multiple accounts/products to identify the combination to help meet spending needs and invest tax-efficiently.
Track Progress
Periodic review of your financial situation with the ability to make adjustments according to your needs, life events and changing market conditions.
Transferring VALUES and WEALTH
We focus on multi-generational and estate planning strategies. We work with you to help ensure your hard work, values, and assets continue to help your family and community.
We hope you can join us...
We believe ongoing financial education leads to a better understanding of how to manage your assets and preserve your wealth. To that end, we have provided several resources to help broaden the scope of what the firm has to offer.
We hope you'll reach out to us for information and look forward to seeing you soon.
Please reach out to Chelsea (chelsea.brogan@morganstanley.com), Robert (robert.fritton@morganstanley.com), or Curt (curt.a.haldorson@morganstanley.com)
We hope you'll reach out to us for information and look forward to seeing you soon.
Please reach out to Chelsea (chelsea.brogan@morganstanley.com), Robert (robert.fritton@morganstanley.com), or Curt (curt.a.haldorson@morganstanley.com)
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Thoughts on the Market
With perspectives on the forces shaping the market, Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
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2025 Tax Tables
This document outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
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On The Markets Report
Go through detailed market commentary from Morgan Stanley's leaders on topics such as global equities, fixed income, monetary policy and more.
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What Should I Do With My Money?
Managing our money is one of the most important aspects of our lives, and yet, many people don’t have someone they can depend on for help when they need it.
On this podcast, we match real people, asking real questions about their money, with experienced Financial Advisors.
Listen to the podcast hereOn this podcast, we match real people, asking real questions about their money, with experienced Financial Advisors.
529 Plans: Secure 2.0 Audiocast
With the new SECURE 2.0 Act comes a new provision that benefits 529 Plan investors. Jen Tierney, Head of 529 Plans, joins Chris Stack from SavingforCollege.com to discuss how recent legislation has created more flexibility for families investing in 529 plans.
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The CashPlus Brokerage Account is a convenient way to manage your finances. With CashPlus, you can make direct deposits, set up bill-pay, get unlimited checkwriting, with no cash management fees1, including unlimited ATM fee rebates worldwide with the Morgan Stanley Debit Card. CashPlus also offers peace of mind with complimentary Identity and Credit Protection from Experian®, and much more.
Get Started HereLocation
101 S Capitol Blvd
Suite 401
Boise, ID 83702
US
Direct:
(425) 202-0633(425) 202-0633
Meet The Carillon Point Group
Senior Vice President, Financial Advisor, Financial Planning Specialist, Portfolio Management Director
Phone:
(425) 202-0633(425) 202-0633
Cindy Siebers
Client Service Associate
Janae Towery
Client Service Associate
About Curt Haldorson
I was born and raised in north central Oregon in the scenic Columbia Gorge.
Both of my parents were Government employees. My mom worked for the State of Oregon and dad, for Federal Farm Credit bureau. My mom taught me at an early age how important it was to have a savings discipline. As a case worker for the Adult and Family Services division of Oregon I would follow her on various “take your kid to work” days. That exposure taught me that life is tough! And that the choices you make in life “will” have a future impact. What I didn’t realize, at the time, was that those experiences would lead me to a career in health care.
After graduating from high school, I attended Oregon Institute of Technology in Klamath Falls Oregon. During my second year of college my Dad died from a heart attack. Even before receiving my diploma I knew what I wanted to do.
I earned my Bachelors Degree in Medical Imaging and I was hired on as a Cardiovascular Specialist at a Hospital in Everett WA. My focus, as one of the licensed X-ray Techs, was to be involved at all levels during cardiac and interventional radiology procedures. Patient education, team work and procedure protocol was what I lived and breathed day and night for almost eleven years. Every day my team had a plan!
I transitioned out of health care to a family partnership at Smith Barney where I utilized the business component of my education to earn my CFP®.
Life teaches us many lessons. Ask questions, be a good listener, use your skills to help others and to give back. Most important – because life happens really fast, have a plan!
During my free time, I enjoy spending time with my wife and two incredible daughters- fluent in "kitchen"- and an active outdoorsman and craftsman.
Both of my parents were Government employees. My mom worked for the State of Oregon and dad, for Federal Farm Credit bureau. My mom taught me at an early age how important it was to have a savings discipline. As a case worker for the Adult and Family Services division of Oregon I would follow her on various “take your kid to work” days. That exposure taught me that life is tough! And that the choices you make in life “will” have a future impact. What I didn’t realize, at the time, was that those experiences would lead me to a career in health care.
After graduating from high school, I attended Oregon Institute of Technology in Klamath Falls Oregon. During my second year of college my Dad died from a heart attack. Even before receiving my diploma I knew what I wanted to do.
I earned my Bachelors Degree in Medical Imaging and I was hired on as a Cardiovascular Specialist at a Hospital in Everett WA. My focus, as one of the licensed X-ray Techs, was to be involved at all levels during cardiac and interventional radiology procedures. Patient education, team work and procedure protocol was what I lived and breathed day and night for almost eleven years. Every day my team had a plan!
I transitioned out of health care to a family partnership at Smith Barney where I utilized the business component of my education to earn my CFP®.
Life teaches us many lessons. Ask questions, be a good listener, use your skills to help others and to give back. Most important – because life happens really fast, have a plan!
During my free time, I enjoy spending time with my wife and two incredible daughters- fluent in "kitchen"- and an active outdoorsman and craftsman.
Securities Agent: FL, SC, NH, WY, WV, WA, UT, MA, OR, NV, CT, VA, OH, NM, ND, MT, HI, CO, CA, AZ, AK, TX, NC, MO, IN, ID, IA, GA, WI, MI, KS, NY, IL, DC, TN, MN, DE; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1262106
CA Insurance License #: 0H86405
NMLS#: 1262106
CA Insurance License #: 0H86405
About Robert Fritton
I was born and raised in Phoenix, Arizona the valley of the sun.
Growing up, I was lucky to have four parents as my mom and dad divorced while my sister and I were quite young. My mother was a Catholic school teacher. My father a real estate agent. My step-mother was a mortgage underwriter and my step-father a civil engineer. I was blessed with diversity through this journey.
I attended private school through 8th grade, public school through high school and Arizona State University in Tempe, Arizona. I was a member of the Alpha Tau Omega fraternity where I made life long friends.
After college, I really started to spread my wings. I moved to Maui, Hawaii for close to three years - no greater place to live some believe. After a few years, I traveled around the world as a first mate on private charter yachts. I have a PADI open water scuba instructor license and a US Coast Guard license.
During the yachting days I met my wonderful bride Venisa. We decided to settle in Washington State as we have an abundance of water and a vibrant local economy. We have two wonderful girls- Emma and Lily. Venisa works for a non-profit "Olive Crest" helping abused and neglected children.
My greatest achievement is our work with foster children. We were lucky to adopt our younger daughter through this process. To give back, during my spare time I serve as President of the Board of Trustees for Olive Crest here in the PNW.
I look forward to meeting you and learning about all of your wonderful accomplishments!
Growing up, I was lucky to have four parents as my mom and dad divorced while my sister and I were quite young. My mother was a Catholic school teacher. My father a real estate agent. My step-mother was a mortgage underwriter and my step-father a civil engineer. I was blessed with diversity through this journey.
I attended private school through 8th grade, public school through high school and Arizona State University in Tempe, Arizona. I was a member of the Alpha Tau Omega fraternity where I made life long friends.
After college, I really started to spread my wings. I moved to Maui, Hawaii for close to three years - no greater place to live some believe. After a few years, I traveled around the world as a first mate on private charter yachts. I have a PADI open water scuba instructor license and a US Coast Guard license.
During the yachting days I met my wonderful bride Venisa. We decided to settle in Washington State as we have an abundance of water and a vibrant local economy. We have two wonderful girls- Emma and Lily. Venisa works for a non-profit "Olive Crest" helping abused and neglected children.
My greatest achievement is our work with foster children. We were lucky to adopt our younger daughter through this process. To give back, during my spare time I serve as President of the Board of Trustees for Olive Crest here in the PNW.
I look forward to meeting you and learning about all of your wonderful accomplishments!
Securities Agent: FL, KS, ID, WA, MA, DC, IL, TX, MT, NV, NM, NC, CO, OH, IA, SC, CT, AZ, AK, MO, MN, HI, CA, WI, UT, MI, IN, GA, DE, WY, VA, OR, NY, WV, TN, NH; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1265078
CA Insurance License #: 0D14511
NMLS#: 1265078
CA Insurance License #: 0D14511
Contact Curt Haldorson
Contact Robert Fritton
Wealth Management
Global Investment Office
Portfolio Insights
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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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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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 Carillon Point 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.
2When 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.
3Morgan 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.
4Morgan 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.
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 (“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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
8When 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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Morgan 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
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.
2When 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.
3Morgan 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.
4Morgan 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.
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 (“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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
8When 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.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Morgan 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
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.
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Awards Disclosures
CRC 6491812 (04/2024)
