Executive Director, Wealth Management, Financial Advisor, Financial Planning Specialist, Senior Investment Management Consultant, Family Wealth Director
Phone:
(617) 589-3244(617) 589-3244
The Carona Group at Morgan Stanley
Direct:
(617) 589-3244(617) 589-3244
Our Mission Statement
I provide compassionate, comprehensive and strategic wealth planning and investment management for ultra-high-net-worth individuals and families, specializing in helping the suddenly wealthy and families who have a disabled loved one with special needs.
Our Story and Services
Sudden wealth—an abrupt influx of a large sum of money—typically comes from a legal settlement, sale of a business or significant life event, such as a divorce or the death of a loved one. In my experience, sudden wealth can be a double-edged sword, causing clients to feel financially secure yet anxious about the financial responsibility on such a large scale. That’s where my team and I come in, helping them through every decision when it comes to managing, preserving and maximizing their newfound wealth.
My first encounter with sudden wealth was many years ago, when a dear friend, an attorney whose life’s work is helping families of children with special needs, asked me to help one of his clients. Having just received a large legal settlement, the client couple was overwhelmed with having to make difficult decisions about caring for their child, immediately and for her lifetime. I was deeply moved by my experience with the family and inspired by their courage and dedication to their child. It was a privilege to help them through this process and bring them comfort knowing their family now had a secure and sustainable financial future with trusted partners to help them manage it over a lifetime.
Since then, I’ve helped hundreds of individuals and families manage and sustain their wealth providing answers to questions such as: How can I use the money to take care of my loved one? How can I make it last a lifetime? What are the tax and regulatory implications? Does it affect my health care or Social Security status? Who will care for my family when I am no longer here?
In addition to families who have experienced sudden wealth or who have special needs, we work with ultra-high-net-worth individuals and multigenerational family wealth throughout life’s many stages, helping them plan for and manage their wealth. I particularly enjoy helping other women and empowering them with confidence in their financial journeys. Together with a group of associated specialists, my team and I help our clients make thoughtful decisions and strategic wealth plans, and we do so with compassion, respect and care.
My first encounter with sudden wealth was many years ago, when a dear friend, an attorney whose life’s work is helping families of children with special needs, asked me to help one of his clients. Having just received a large legal settlement, the client couple was overwhelmed with having to make difficult decisions about caring for their child, immediately and for her lifetime. I was deeply moved by my experience with the family and inspired by their courage and dedication to their child. It was a privilege to help them through this process and bring them comfort knowing their family now had a secure and sustainable financial future with trusted partners to help them manage it over a lifetime.
Since then, I’ve helped hundreds of individuals and families manage and sustain their wealth providing answers to questions such as: How can I use the money to take care of my loved one? How can I make it last a lifetime? What are the tax and regulatory implications? Does it affect my health care or Social Security status? Who will care for my family when I am no longer here?
In addition to families who have experienced sudden wealth or who have special needs, we work with ultra-high-net-worth individuals and multigenerational family wealth throughout life’s many stages, helping them plan for and manage their wealth. I particularly enjoy helping other women and empowering them with confidence in their financial journeys. Together with a group of associated specialists, my team and I help our clients make thoughtful decisions and strategic wealth plans, and we do so with compassion, respect and care.
Services Include
- Wealth ManagementFootnote1
- Asset Management
- Retirement PlanningFootnote2
- Financial PlanningFootnote3
- Planning for Education FundingFootnote4
- Cash Management and Lending ProductsFootnote5
- Estate Planning StrategiesFootnote6
- Planning for Individuals with Special Needs
- 401(k) Rollovers
- Executive Financial ServicesFootnote7
- Long Term Care InsuranceFootnote8
- Life InsuranceFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Carona Group's Wealth Management's Executive Director and Family Wealth Director, Christine Carona, leverages the versatile resources of Morgan Stanley and professionals to help our clients and their families maximize the value of their human capital by driving family wealth education, making it more likely that all members of the family will have the foundation and support they need to potentially lead meaningful, fulfilled and engaged lives.
Our Team's Family Wealth Capabilities
A Family Wealth Director (FWD) is a rare distinction, earned by less than 4% of Morgan Stanley’s Financial Advisors as of February 2021. The designation is given to advisors who have undergone distinctive training to complement their extensive experience working with ultra-high net worth families. To learn more about our family wealth capabilities, click the link below.
Our Family Wealth Capabilities
Family Governance and Wealth Education
The Family Governance & Wealth Education group helps ultra high net worth families strive to maximize the value of their human capital by addressing sensitive family issues, facilitate communication and manage your family dynamic in an effort to achieve a shared sense of common direction in coordination with your outside advisors.
Wealth Education Development Plan
Legacy & Estate Planning strategies
We engage with our Executive Planning Director and Wealth Planning Center to provide a fully integrated, comprehensive analysis of your balance sheet, estate plan, and investment strategy through a collaborative process - at your request we will coordinate with your legal tax advisors as well.
Philanthropy Management
We provide our clients with a smart way to give to causes and charities they care about through Morgan Stanley GIFT. Our donor advised fund, GIFT, is a 501(c)(3) public charity structured to offer you a simple, thoughtful and tax-advantageous way to support your favorite charities.
Learn More About GIFTA Structured Planning Process
At The Carona Group, we are committed to helping families understand the new challenges they face and how to meet those challenges successfully.
Step 1: Introductory Meeting
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals.
Step 2: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing a suitable risk tolerance that will ultimately help you achieve the financial outcome you envision for yourself.
Step 3: Financial Plan Presentation
Financial plan presentations map out essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage. Examining all relevant financial information provides a holistic asset allocation analysis for all of your accounts ensuring a comprehensive financial plan.
Step 4: Action Items / Next Steps
After the financial plan presentation, we will follow up with you regarding our analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits and insurance coverage.
Step 5: Implementation Meeting
The implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving and benefit modifications.
Step 6: Monitoring & Performance Tracking
Finally, we will be constantly monitoring your assets and analyzing your performance tracking data to ensure your financial expectations are being met and adjusted accordingly. We will keep a high degree of communication with you to make sure your concerns and requests are always addressed.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Outlooks & Digital Resources
Here at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We are firm believers of giving our clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
Digital technology is centered on how people communicate, consume, transact and travel. Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley seeks to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future, and why. The links below provide in-depth analysis on interesting topics that are affecting the worlds of business and finance not only now, but in the future.
Digital technology is centered on how people communicate, consume, transact and travel. Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley seeks to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future, and why. The links below provide in-depth analysis on interesting topics that are affecting the worlds of business and finance not only now, but in the future.
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that you should take advantage of. They include:
- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
- Managing your everyday finances such as paying bills online, sending money or transferring funds
Learn More- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
- Managing your everyday finances such as paying bills online, sending money or transferring funds
Total Wealth View
We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Learn MoreThe ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery. Currently, documents available through eDelivery include statements, trade confirmations and prospectuses, general correspondence, selected Internal Revenue Service (IRS) approved tax documents, syndicate offerings, shareholder communications, and portfolio reports.
Learn More
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love. 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. The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
Learn More
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Learn More
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Learn More
Morgan Stanley Ideas Podcast
From the use of satellite data technology to solve some of the world's most complex problems, to learning how not to follow the crowd when making decisions, The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond. Click the link below for more information and to access a library of interesting content.
Learn More
Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Learn More
Everyday Cybersecurity
Smart devices provide convenience and efficiency, but they also present security risks. Learn how to enjoy the benefits of this technology without compromising your security.
Read the Full Article Here
US Policy Pulse: Tech Giants and the Future of Regulation
As Big Tech starts 2021 under scrutiny, investors need to understand to what extent the new administration will target the industry. In this report, Morgan Stanley Investment Strategists discuss historical technology sector regulatory and market trends, as well as the future of industry regulation.
Read the Full Article Here
Topics In Portfolio Construction
In this report, we evaluate near-term positioning after a volatile, challenging first quarter; study the quantitative signals motivating the GIC’s recent changes to its tactical models; and review key takeaways from the strategic, seven-year capital markets assumptions.
Topics In Portfolio ConstructionOur Approach
CARONA GROUP/ CENTRAL HUB
• Liaison between family/independent trustee/CPA.
• Wealth management via financial planning, disciplined distribution and investment process, and guidance.
• Semi-annual reviews (and additionally as needed) with trustees that include performance reviews, financial planning, distribution analysis, etc.
• Coordination with life-care planner, obtain services when needed from outside vendors with trustees.
• Payment of professional services invoices approved by trustees.
• General research as requested by related parties (Trustees, CPA, family, etc.).
• Wealth management via financial planning, disciplined distribution and investment process, and guidance.
• Semi-annual reviews (and additionally as needed) with trustees that include performance reviews, financial planning, distribution analysis, etc.
• Coordination with life-care planner, obtain services when needed from outside vendors with trustees.
• Payment of professional services invoices approved by trustees.
• General research as requested by related parties (Trustees, CPA, family, etc.).
CASH FLOW
• Preclear distributions with an independent trustee.
• Coordinate timely approvals and processing of distribution requests - typically within 48 hours.
• Maintain full accounting of all trust cash flow activity.
• Monitor structure cash flow.
• Prepare and monitor annual financial plan.
• Analyze cash flow/returns versus past, current and anticipated future lifetime spending.
• Coordinate timely approvals and processing of distribution requests - typically within 48 hours.
• Maintain full accounting of all trust cash flow activity.
• Monitor structure cash flow.
• Prepare and monitor annual financial plan.
• Analyze cash flow/returns versus past, current and anticipated future lifetime spending.
BANKING
• Banking services (check writing/debit cards/online bill pay/zelle/mobile deposit, etc.).
• Bank services monitoring: fraud detection/protection and surveillance, assistance with check orders/research card/online bill pay inquiries, etc.
• Cash management.
Learn More• Bank services monitoring: fraud detection/protection and surveillance, assistance with check orders/research card/online bill pay inquiries, etc.
• Cash management.
RISK/RETURN ANALYSIS
• Investment performance monitoring and reporting.
• Comparison to associated industry benchmarks to confirm on track.
• Portfolio Risk Analysis and reporting to review: estimated volatility, returns and volatility comparison to benchmark, stress testing against certain market scenarios.
• Comparison to associated industry benchmarks to confirm on track.
• Portfolio Risk Analysis and reporting to review: estimated volatility, returns and volatility comparison to benchmark, stress testing against certain market scenarios.
REPORTING
• Monthly portfolio statements.
• Annual tax reporting.
• Coordinate/facilitate tax prep information distribution.
• Annual Recap of cash activity report.
• Annual tax reporting.
• Coordinate/facilitate tax prep information distribution.
• Annual Recap of cash activity report.
SAFEGUARDING OF ASSETS
• Capital Reserves, Asset Segregation, FDIC Insurance, SIPC Insurance, Cyber Insurance, Additional Protections (see “Your Assets Are Safeguarded at Morgan Stanley”).
Lean More
PARTNERSHIP
• Independent trust oversight and counsel.
• Coordination/review regarding benefits.
CPA:
• Tax return preparation services.
• Coordination/review regarding benefits.
CPA:
• Tax return preparation services.
Location
28 State Street 26th
Fl
Boston, MA 02109
US
Direct:
(617) 589-3244(617) 589-3244
Meet The Carona Group
Sinead O'Connor
Client Service Associate
Phone:
(617) 589-3381(617) 589-3381
Aren Olsen
Client Service Associate
Phone:
(617) 589-3316(617) 589-3316
About Christine Carona, Family Wealth Director
Chris Carona has spent her entire career in banking and financial services, with over 30 years building personalized financial strategies focused on her clients’ evolving needs and financial goals. She is a tireless advocate for her clients, and her high touch holistic wealth management approach allows Chris to develop multi-generational planning strategies that bring the future into focus. The depth of experience within her team allows for more skilled support to each client, and the team’s concierge level of service reflects their dedication and commitment.
Chris focuses on helping clients that have experienced sudden wealth. While sudden wealth can mean financial security, it can be coupled with anxiety on how to manage that wealth. Her clients’ experiences are diverse, including those who have received an inheritance or legal settlement, sold a business, experienced divorce or transitioned to retirement. Chris has built an accomplished practice, also working with high net worth clients that have built their wealth throughout life’s many stages, helping them to plan for and to manage that wealth. She works closely with each client to create a customized plan based on their vision, goals and needs, helping them to be fearless about their financial future. Chris is especially proud of the work the team does every day around planning for families with a member who has special needs.
As a testament to her professionalism, dedication and results, Chris was named a Forbes Top Women Wealth Advisor 2020 (and 2017), Forbes Best-in-State Wealth Advisor 2020 and Five Star Wealth Manager Award winner 2020. In addition to being a member of Morgan Stanley's President Club since 2018, a member of UBS' President's Council (2012-2017) and the UBS' Director's Council (2011), she has been a Barron's Top Women Advisors Summit attendee 2012-2017, 2019.
Chris earned a BS from Syracuse University. She is honored to have been elected in 2020 to Syracuse University's Board of Trustees. She is also proud to serve on the Boston Regional Council for the university, where she volunteers her time to help elevate SU’s presence and vision in the Boston area. She is a member of Syracuse University’s National Campaign Council, a small group of alumni who are exemplary leaders that work to increase university visibility and philanthropy on a national scale. Additionally, Chris is a member of The Hill Society, a dedicated network of annual leadership donors who are committed to supporting Syracuse University’s highest priorities.
Chris proudly mentors students from local high schools, colleges, and universities who are interested in wealth management. She has made a special point of providing training and support to young women through internship opportunities, and has helped over five young women launch their careers in the financial services industry in the Boston area. Chris also participates in a sponsorship program at Nativity Prep, a Jesuit boys school. She has been a mentor to students at Newton Country Day School, helping them fulfill their senior project requirements for graduation.
Much of Chris’ philanthropic focus is on issues concerning women and children. She is a committed supporter of several organizations, including Rosie’s Place, Children’s Hospital, Urban Health Media Project, Best Buddies International, St. Mary’s Center for Women and Children, Dana Farber Cancer Institute, HomeStart, Upstate Foundation, Food Bank of Central New York, the Greater Boston Food Bank and Newton Country Day School of the Sacred Heart. She is a long-term sponsor of Boston’s public park system and an advocate for the conservation of Boston’s Emerald Necklace. Chris resides in Newton, MA with her family.
Chris is licensed in 28 states. She holds her Series 24 (General Securities Principal), Series 7 and Series 66 registrations, as well as her Massachusetts State Life, Accident, and Health Insurance licenses.
2020, 2017 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 (Awarded 2017, 2020). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded Jan 2020) Data compiled by SHOOK Research LLC based on time period from 6/30/18 - 6/30/19.
Five Star Wealth Advisor Award
This award was issued in 2020. The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
2012-2017, 2019 Barron's Top 100 Women Financial Advisors
Source: Barrons.com (Awarded June 2012-2017, 2019). Data compiled by Barron's based on 12-month period concluding in Mar of the year the award was issued.
Chris focuses on helping clients that have experienced sudden wealth. While sudden wealth can mean financial security, it can be coupled with anxiety on how to manage that wealth. Her clients’ experiences are diverse, including those who have received an inheritance or legal settlement, sold a business, experienced divorce or transitioned to retirement. Chris has built an accomplished practice, also working with high net worth clients that have built their wealth throughout life’s many stages, helping them to plan for and to manage that wealth. She works closely with each client to create a customized plan based on their vision, goals and needs, helping them to be fearless about their financial future. Chris is especially proud of the work the team does every day around planning for families with a member who has special needs.
As a testament to her professionalism, dedication and results, Chris was named a Forbes Top Women Wealth Advisor 2020 (and 2017), Forbes Best-in-State Wealth Advisor 2020 and Five Star Wealth Manager Award winner 2020. In addition to being a member of Morgan Stanley's President Club since 2018, a member of UBS' President's Council (2012-2017) and the UBS' Director's Council (2011), she has been a Barron's Top Women Advisors Summit attendee 2012-2017, 2019.
Chris earned a BS from Syracuse University. She is honored to have been elected in 2020 to Syracuse University's Board of Trustees. She is also proud to serve on the Boston Regional Council for the university, where she volunteers her time to help elevate SU’s presence and vision in the Boston area. She is a member of Syracuse University’s National Campaign Council, a small group of alumni who are exemplary leaders that work to increase university visibility and philanthropy on a national scale. Additionally, Chris is a member of The Hill Society, a dedicated network of annual leadership donors who are committed to supporting Syracuse University’s highest priorities.
Chris proudly mentors students from local high schools, colleges, and universities who are interested in wealth management. She has made a special point of providing training and support to young women through internship opportunities, and has helped over five young women launch their careers in the financial services industry in the Boston area. Chris also participates in a sponsorship program at Nativity Prep, a Jesuit boys school. She has been a mentor to students at Newton Country Day School, helping them fulfill their senior project requirements for graduation.
Much of Chris’ philanthropic focus is on issues concerning women and children. She is a committed supporter of several organizations, including Rosie’s Place, Children’s Hospital, Urban Health Media Project, Best Buddies International, St. Mary’s Center for Women and Children, Dana Farber Cancer Institute, HomeStart, Upstate Foundation, Food Bank of Central New York, the Greater Boston Food Bank and Newton Country Day School of the Sacred Heart. She is a long-term sponsor of Boston’s public park system and an advocate for the conservation of Boston’s Emerald Necklace. Chris resides in Newton, MA with her family.
Chris is licensed in 28 states. She holds her Series 24 (General Securities Principal), Series 7 and Series 66 registrations, as well as her Massachusetts State Life, Accident, and Health Insurance licenses.
2020, 2017 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 (Awarded 2017, 2020). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded Jan 2020) Data compiled by SHOOK Research LLC based on time period from 6/30/18 - 6/30/19.
Five Star Wealth Advisor Award
This award was issued in 2020. The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period.
2012-2017, 2019 Barron's Top 100 Women Financial Advisors
Source: Barrons.com (Awarded June 2012-2017, 2019). Data compiled by Barron's based on 12-month period concluding in Mar of the year the award was issued.
Securities Agent: ID, NE, MI, MN, MD, CT, CO, NY, IA, AK, SC, ME, MA, DE, NJ, GA, FL, DC, RI, PA, OH, NH, CA, WA, NC, TX, VT, VA, OR, OK; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 1771336
NMLS#: 1771336
About Sinead O'Connor
Sinead began her career in 2019.
After graduating from college, she spent the 2017-2018 academic year working in France as an English teaching assistant in a middle school and high school.
Sinead was brought on to The Carona Group as a part-time Client Service Associate in February 2019.
Sinead graduated Phi Beta Kappa from the College of the Holy Cross, with a BA in Mathematics and French.
Sinead currently resides in Milton, MA.
After graduating from college, she spent the 2017-2018 academic year working in France as an English teaching assistant in a middle school and high school.
Sinead was brought on to The Carona Group as a part-time Client Service Associate in February 2019.
Sinead graduated Phi Beta Kappa from the College of the Holy Cross, with a BA in Mathematics and French.
Sinead currently resides in Milton, MA.
About Aren Olsen
Aren graduated from Providence College in 2020 with a BS in Finance and Political Science, and began his career in 2020 with Fidelity Investments as a Client Relationship Advocate where he worked for a year before transitioning to the Carona Group as a Client Service Associate. He currently hold a series 7 and series 63 license, and currently resides in Somerville, MA.
Contact Christine Carona, Family Wealth Director
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
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Leveraging Social Media to Raise Funds and Awareness
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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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Ready to start a conversation? Contact The Carona Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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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
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 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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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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)
