Darwin Carpenter
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(321) 253-6852(321) 253-6852
The Carpenter Falconi Group at Morgan Stanley
Direct:
(321) 253-6843(321) 253-6843
Toll-Free:
(800) 949-2401(800) 949-2401
Our Mission Statement
Providing clients with an exceptional experience in their Financial Planning journey by leveraging the skilled focus of our team members and the powerful resources of Morgan Stanley.
Welcome
The members of the Carpenter Falconi Group at Morgan Stanley take pride in providing an array of comprehensive services to our clients. From basic Wealth Management to Advanced Planning strategies, our team will tailor our services to meet the specific needs of your family and business. With well over 20 years at Morgan Stanley, Senior Vice President, Darwin Carpenter focuses on investment selection and portfolio construction based on technical and fundamental analyses as well as the current economic and geopolitical environments. Since joining our team in 2016, CERTIFIED FINANCIAL PLANNER and Senior Portfolio Manager, Stephanie Falconi Nemeth CFP, CRPC focuses on building comprehensive financial plans covering your Insurance, Banking & Lending, Estate Planning and philanthropy Management needs. Victoria Brewster, Senior Registered Client Services Associate and our newest team member and Client Service Associate, Max Carlson handle the daily customer services needs of our clients. Our team offers coordination with your Accountants, Estate Planning Attorneys and other outside professionals. We believe that this type of all-inclusive collaboration helps ensure that your financial values are carried out not only today but for generations to come.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Technical analysis is the study of past price and volume trends of a security in an attempt to predict the security's future price and volume trends. Its limitations include but are not limited to: the lack of fundamental analysis of a security's financial condition, lack of analysis of macro-economic trend forecasts, the bias of the technician's view and the possibility that past participants were not entirely rational in their past purchases or sales of the security being analyzed. Investors using technical analysis should consider these limitations prior to making an investment decision.
Morgan 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
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Technical analysis is the study of past price and volume trends of a security in an attempt to predict the security's future price and volume trends. Its limitations include but are not limited to: the lack of fundamental analysis of a security's financial condition, lack of analysis of macro-economic trend forecasts, the bias of the technician's view and the possibility that past participants were not entirely rational in their past purchases or sales of the security being analyzed. Investors using technical analysis should consider these limitations prior to making an investment decision.
Morgan 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
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Planning for Education FundingFootnote5
- Business Succession PlanningFootnote6
- Executive Benefit ServicesFootnote7
- Lending Products
- Philanthropic Services
- Corporate Retirement PlansFootnote8
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Forbes Best In State
The Carpenter-Falconi group was included in Forbes best-in-state wealth management groups for 2023.
Forbes Best-In-State Wealth Management Teams 2023
Forbes/SHOOK has just launched its inaugural list of Best-In-State Wealth Management Teams, spotlighting teams of financial professionals identified as representing the best our industry has to offer. The Carpenter Falconi Group was named to the list in 2023.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
Stephanie Falconi Nemeth - 2025 Forbes Top Women Wealth Advisor Best-In-State
Morgan Stanley announced that Stephanie Falconi Nemeth, CFP®, CRPC® Senior Vice President, Wealth Management, Financial Advisor, and Senior Portfolio Manager in the Firm’s Suntree Wealth Management office, has been named to Forbes Magazine’s 2025 list of Top Women Wealth Advisors Best-In-State.
Forbes Top Women Wealth Advisors and Top Women Wealth Advisors Best-In-State
Source: Forbes (Awarded Feb 2025) Data compiled by SHOOK Research LLC for the period 9/30/23 – 9/30/24
Forbes Top Women Wealth Advisors and Top Women Wealth Advisors Best-In-State
Source: Forbes (Awarded Feb 2025) Data compiled by SHOOK Research LLC for the period 9/30/23 – 9/30/24
Location
8150 North Wickham Road
Melbourne, FL 32940
US
Direct:
(321) 253-6843(321) 253-6843
Toll-Free:
(800) 949-2401(800) 949-2401
Meet The Carpenter Falconi Group
Stephanie Falconi Nemeth, CFP®, CRPC®
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(321) 253-6845(321) 253-6845
Christian Vargas, CRPC®
Financial Advisor
Phone:
(321) 253-6850(321) 253-6850
Victoria Brewster
Portfolio Associate
Phone:
(321) 253-6843(321) 253-6843
About Darwin Carpenter
Investors increasingly face myriad investment choices. Oftentimes, without the advantage of an experienced Financial Advisor, they react to short-term events and could easily lose sight of long-term objectives. As a Financial Advisor, I am committed to advising my clients (rather than merely providing them with information) and to help them make sense of the choices they face. I employ a responsive, proactive approach to communicating with them and focus on their most essential questions. I maintain a broad view of their financial picture, while concentrating on the details. That way, my clients are informed and better prepared to meet the changes and challenges of their and their families’ lives over the long term.
I graduated from the University of Central Florida in 1995 and started my career with Morgan Stanley in 1998. After completing the training program at the firm, I knew I wanted to dedicate my career to managing the wealth of our clients. My area of focus is personalized portfolio construction using technical and fundamental analyses. With over 23 years serving clients at Morgan Stanley, I have the ability to recognize market changes and their effects on the portfolios we manage.
My wife Lara and I have been married since 1995 and we have one son, Alex. In my spare time, I enjoy playing golf, fine dining and traveling.
Technical analysis is the study of past price and volume trends of a security in an attempt to predict the security's future price and volume trends. Its limitations include but are not limited to: the lack of fundamental analysis of a security's financial condition, lack of analysis of macro economic trend forecasts, the bias of the technician's view and the possibility that past participants were not entirely rational in their past purchases or sales of the security being analyzed. Investors using technical analysis should consider these limitations prior to making an investment decision.
I graduated from the University of Central Florida in 1995 and started my career with Morgan Stanley in 1998. After completing the training program at the firm, I knew I wanted to dedicate my career to managing the wealth of our clients. My area of focus is personalized portfolio construction using technical and fundamental analyses. With over 23 years serving clients at Morgan Stanley, I have the ability to recognize market changes and their effects on the portfolios we manage.
My wife Lara and I have been married since 1995 and we have one son, Alex. In my spare time, I enjoy playing golf, fine dining and traveling.
Technical analysis is the study of past price and volume trends of a security in an attempt to predict the security's future price and volume trends. Its limitations include but are not limited to: the lack of fundamental analysis of a security's financial condition, lack of analysis of macro economic trend forecasts, the bias of the technician's view and the possibility that past participants were not entirely rational in their past purchases or sales of the security being analyzed. Investors using technical analysis should consider these limitations prior to making an investment decision.
Securities Agent: MO, SC, NV, MT, KY, RI, OK, MS, ID, GA, AR, AK, OR, NY, NJ, MA, WY, WV, VA, OH, CO, WI, IL, IA, AL, WA, TN, NH, FL, CT, CA, PA, NC, MN, MI, ME, KS, UT, MD, IN, TX; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278904
NMLS#: 1278904
About Stephanie Falconi Nemeth
Since my graduation from Brown University in 2006, I have dedicated myself to helping clients achieve their financial goals. My passion for the financial field started many years before that. In 1993, shortly after leaving Ecuador to return to my birth city of New York, I got accepted into Mott Hall, a middle school for ‘gifted’ kids. In fifth grade, we had a group of Morgan Stanley brokers come talk to us about owning and trading stock. I was amazed at the potential value of investing.
Today, I work with affluent investors who are ready to take charge of their financial future. Whether it’s building a business or fully retiring, we have a better chance to accomplish our goals if we are willing to commit to a strategy to plan for them.
Life is about managing change. As a Financial Advisor, and CERTIFIED FINANCIAL PLANNER TM, I can build a customized plan tailored to help you meet your goals. Unless you have a plan, you may not be equipped to face the changes and challenges that are guaranteed to come your way. I have a tremendous passion for contributing to the success of others and that’s what drives me.
I currently reside in Satellite Beach with my husband Dale, daughter Alexandra and son Broden. I speak Spanish and Italian fluently. During my free time, I can either be found leading worship at Lineage Church, playing tennis at the Kiwi Tennis Club, enjoying the beach with our family or traveling.
Today, I work with affluent investors who are ready to take charge of their financial future. Whether it’s building a business or fully retiring, we have a better chance to accomplish our goals if we are willing to commit to a strategy to plan for them.
Life is about managing change. As a Financial Advisor, and CERTIFIED FINANCIAL PLANNER TM, I can build a customized plan tailored to help you meet your goals. Unless you have a plan, you may not be equipped to face the changes and challenges that are guaranteed to come your way. I have a tremendous passion for contributing to the success of others and that’s what drives me.
I currently reside in Satellite Beach with my husband Dale, daughter Alexandra and son Broden. I speak Spanish and Italian fluently. During my free time, I can either be found leading worship at Lineage Church, playing tennis at the Kiwi Tennis Club, enjoying the beach with our family or traveling.
Securities Agent: NJ, TX, SC, MT, MN, ID, CA, FL, AR, UT, RI, TN, MO, MD, GA, OR, OK, OH, NV, IL, AK, WA, VA, KY, CO, WY, WV, NY, NC, MS, MI, ME, IA, CT, AL, WI, NH, MA, IN, KS, PA; General Securities Representative; Investment Advisor Representative
NMLS#: 1619956
NMLS#: 1619956
About Christian Vargas
Since my graduation from Salve Regina University in 2018, I have gained experience in multiple industries such as civil engineering, logistics, and wealth management. I graduated with my M.B.A. with a concentration in Entrepreneurship in 2020 while deployed overseas to Djibouti, Africa as a Logistics Officer in the United States Army Reserve. Through my previous managerial roles and educational experiences, I found that my passion was budgeting/planning and financial analysis. This passion coupled with my military experience provides me with exceptional communication skills, a keen eye for details, and advisory skills to prepare clients during prosperous and recessive cycles while maintaining a focus on their strategic goals.
As a Financial Advisor, I am privileged to learn from the over 50 years of combined experience that The Carpenter Falconi Group has to offer. I am committed to providing clients with a tailored financial plan that is relevant to their day-to-day life. Through implementing the financial plan and advising clients through difficult life decisions, we remain focused on long-terms goals, making it easier to make decisions today. My focus is working with business owners and Veterans, through my firsthand experiences and comprehensive understanding of their specific needs.
In my free time, I enjoy coaching baseball, working out, and volunteering with various local organizations. I currently reside in Palm Bay with my wife Kaitlynn and daughter Penelope.
As a Financial Advisor, I am privileged to learn from the over 50 years of combined experience that The Carpenter Falconi Group has to offer. I am committed to providing clients with a tailored financial plan that is relevant to their day-to-day life. Through implementing the financial plan and advising clients through difficult life decisions, we remain focused on long-terms goals, making it easier to make decisions today. My focus is working with business owners and Veterans, through my firsthand experiences and comprehensive understanding of their specific needs.
In my free time, I enjoy coaching baseball, working out, and volunteering with various local organizations. I currently reside in Palm Bay with my wife Kaitlynn and daughter Penelope.
Securities Agent: NH, FL, WY, ID, OH, NE, MA, WA, VI, VA, OR, MI, WI, PR, NV, NJ, NC, MD, IN, AR, WV, KS, IA, UT, RI, NY, ND, MO, ME, KY, HI, DE, AL, AK, SD, PA, MT, CT, TN, SC, MN, CO, CA, VT, TX, IL, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 2500425
NMLS#: 2500425
About Victoria Brewster
Morgan Stanley is one of the largest and well regarded financial firms known for our world class service. We have been recognized for helping clients build, manage and preserve financial assets through personalized wealth management programs and exceptional client service. With my perspective, experience, skills and unwavering client focus, I can help you with all of your financial service needs. I have my life and variable annuities licenses and I am a Senior Registered Service Associate with my series 7, 31, 63 & 66 licenses.
I graduated from Florida State University and I have worked in the Financial Industry since 1993. My husband Steve and I have been married since 1989. We have one son, Quinn who graduated from Holy Trinity Episcopal Academy and currently studies engineering at University of South Florida. In my spare time, I enjoy gardening, fishing, cooking and spending time with my family.
I graduated from Florida State University and I have worked in the Financial Industry since 1993. My husband Steve and I have been married since 1989. We have one son, Quinn who graduated from Holy Trinity Episcopal Academy and currently studies engineering at University of South Florida. In my spare time, I enjoy gardening, fishing, cooking and spending time with my family.
Contact Darwin Carpenter
Contact Stephanie Falconi Nemeth
Contact Christian Vargas
Wealth Management
From Our Team
Understanding Your Retirement Plan Options When You Leave a Job
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Tax-Smart Ways to Sell Securities
How investors can tap their portfolios in tax-savvy ways.
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
Article Image
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
Article Image
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
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 Carpenter Falconi Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When 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.
4Morgan 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
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 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.
3When 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.
4Morgan 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
