Phone:
(858) 613-8156(858) 613-8156
The CenterPoint One Group at Morgan Stanley
Direct:
(858) 613-8150(858) 613-8150
Toll-Free:
(800) 755-3765(800) 755-3765
Our Mission Statement
Excellence in helping clients like you with your personalized investment and financial strategies
Mission statement
Life is an exciting journey full of promise, love, happiness and success. Along the way difficulties arise that challenge your journey, through illness, financial strain, divorce and even loss of a loved one. Sharing your joys brings a sense of pride and helps bring families closer together. Sharing your challenges brings relief, a closeness with others and many times a solution to the problem. Over the year’s we have found that being part of our client’s lives, providing support and implementing a living financial plan, creates a greater sense of confidence to handle the challenges of the future and the time to enjoy the successes of life.
Services Include
- Wealth ManagementFootnote1
- 401(k) Rollovers
- Asset Management
- Business PlanningFootnote2
- Business Succession PlanningFootnote3
- Endowments and FoundationsFootnote4
- Estate Planning StrategiesFootnote5
- Fixed IncomeFootnote6
- Lending Products
- Life InsuranceFootnote7
- Long Term Care InsuranceFootnote8
- Municipal BondsFootnote9
- Philanthropic Services
- Retirement PlanningFootnote10
- Trust AccountsFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
We can create your personal roadmap to help achieve and protect your goals - a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
Listen
- Meet and Greet
- Understand goals / needs
- Learn principles and values
"When people talk we listen"
- Understand goals / needs
- Learn principles and values
"When people talk we listen"
Identify
- Identify areas of concern
- Prioritize needs / wants
- Understand resources available for goals
- Prioritize needs / wants
- Understand resources available for goals
Formulate
- Create a roadmap to success
- Determine the best investment strategies
- Decide how to implement strategies in tax efficient manner
- Execute strategies
- Determine the best investment strategies
- Decide how to implement strategies in tax efficient manner
- Execute strategies
Evaluate
- Track progress as well as spending and savings
- Ensure you remain on track towards your goals.
- Ensure you remain on track towards your goals.
We Want to help
Regardless of what stage your life is in - moving ahead in your career, enjoying retirement, or somewhere in between - as your Financial Advisors, we can help you achieve your financial goals.
2024 Tax Tables
This helpful resource outlines the 2024 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
View 2024 Tax Tables
Manage Debt
We thoroughly review your mortgage, car loans, credit cards, and any other debts that you may have in order to help determine where you can save on interest and create a timeline for your debt payments by prioritizing which ones should be paid off first.
Staying On Track
Retirement
Leading up to and through retirement, The CenterPoint One Group helps you identify the most appropriate ways to obtain the income you need and help ensure that you are on track to achieve your financial goals.
Ready To Retire?
Insurance
We take an extremely close look at your financial profile to decipher what type(s) of insurance most fit your needs, and determine if your current insurance policies are best suited for you and your goals.
Digital Insurance
Lending Solution
As investors seek to diversify their portfolio exposures beyond traditional assets, alternative lending may offer attractive absolute and risk-adjusted return characteristics. An allocation to alternative lending may provide investors with exposure to a secular shift in the way consumers and small businesses access capital.
Liquidity Access Line
Legacy Planning
You can’t take it with you, but through a trust, you can define how you want your life’s work and wealth to continue to benefit the people and causes you love and care for.
View Video Here
Charitable Giving
A person may make gifts to charitable organizations and may receive income, gift and/or estate tax charitable deductions. The organization may be a public charity, a private foundation, or a hybrid of the two.
Ways To Give Back
Tax Strategies
Tax strategies can have a surprisingly large potential impact on lifetime wealth accumulation.
Tax-Efficient InvestingAdvice Matters
The personalized solutions we create are carefully tailored to address your specific questions and concerns. They leverage experience, knowledge and insights, so you can focus on building your business and tackling new challenges.
LinkedIn:
- Ron Thomas
Top Client Concerns
- Are there opportunities to improve my current financial goals?
- How do I grow – and preserve – these assets? Do I have the right asset mix?
- How do I tap into Morgan Stanley’s extensive resources to expand my business (e.g., banking and lending opportunities)?
- How do I make sure my personal assets are structured properly to achieve my long-term goals for my family?
- When I’m ready to retire, what are the best strategies to exit my business?
Digital Tools
Our comprehensive suite of digital tools is designed to help enhance every aspect of your financial life. We have also included resources meant to transform complex financial analysis and research.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Total Wealth View
Total Wealth View gives you ability to view all of your assets and liabilities together, whether held at Morgan Stanley or elsewhere. This can further enable us to advise and manage, taking your entire financial picture into account.
Learn More About TWV
E-Authorization
eAuthorization allows clients to electronically authorize domestic and international, one-time/recurring transactions through Morgan Stanley Online and the Morgan Stanley Mobile App.
Learn More About eAuthorization
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows for easy sharing and convenient access to life’s most important documents from wills and deeds to financial statements and tax fillings. Easily manage your encrypted financial records all in one place.
Learn More About DV
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.
Listen To The Latest Episode
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.
Read The Latest ReportLocation
6037 La Flecha
Box 415
Rancho Santa Fe, CA 92067
US
Direct:
(858) 613-8150(858) 613-8150
Toll-Free:
(800) 755-3765(800) 755-3765
Meet The CenterPoint One Group
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(858) 613-7107(858) 613-7107
Steven H. Schuknecht
Registered Client Service Associate
Phone:
(858) 613-8168(858) 613-8168
Anna Thomas
Client Service Associate
Phone:
(858) 613-7109(858) 613-7109
About Joseph Adamo
Joe is a co-founder of The CenterPoint One Group. He has focused on "Building, Preserving, and Transferring Family Wealth" for over 29 years and has been with Morgan Stanley since 2006. He earned his degree in Business Administration from the University of San Diego and is also a graduate of the Option Institute of Chicago. Joe hosted a financial radio show in San Diego and has over 15 years of experience hosting public workshops on investing and estate planning. Joe has earned the right to use the designation of CPM Certified Portfolio Management from Columbia University. In 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, and 2024 Joe was named a Five Star Top Wealth Managers as Published in San Diego Magazine. Joe has been married to his wife Mary for 41 years, and has three children, Virginia, Nick, and Theresa. They have been long-time residents of Oceanside. Outside of work Joe is both an avid photographer and bicyclist. He is also a member of the Encinitas Bocce Club.
Disclosure(s):
2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, and 2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024). These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2024 Award- 2/13/2023 through 08/31/2023
2023 Award- 03/21/22 through 09/16/22
2022 Award- 04/12/2021 through 10/15/2021
2021 Award- 03/30/2020 through 10/16/2020
2020 Award- 03/1/2019 through 10/18/2019
2019 Award- 03/23/2018 through 10/15/2018
2018 Award- 03/22/2017 through 10/17/2017
2017 Award- 02/25/2016 through 10/14/2016
2016 Award- 06/2/2015 through 10/23/2015
2015 Award- 06/2/2014 through 10/23/2014
2014 Award- 06/2/2013 through 10/23/2013
Disclosure(s):
2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, and 2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2014, 2015, 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024). These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2024 Award- 2/13/2023 through 08/31/2023
2023 Award- 03/21/22 through 09/16/22
2022 Award- 04/12/2021 through 10/15/2021
2021 Award- 03/30/2020 through 10/16/2020
2020 Award- 03/1/2019 through 10/18/2019
2019 Award- 03/23/2018 through 10/15/2018
2018 Award- 03/22/2017 through 10/17/2017
2017 Award- 02/25/2016 through 10/14/2016
2016 Award- 06/2/2015 through 10/23/2015
2015 Award- 06/2/2014 through 10/23/2014
2014 Award- 06/2/2013 through 10/23/2013
Securities Agent: NM, AZ, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, KS, MA, MI, MO, MT, NC, NJ, NV, NY, OH, OR, RI, SC, TN, TX, UT, VA, WA, WV, WY, PA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1282523
CA Insurance License #: #A61480
NMLS#: 1282523
CA Insurance License #: #A61480
About Ronald William Thomas
Ron is a co-founder of The CenterPoint One Group and has been with Morgan Stanley since early 2013. He has over 20 years of experience with lending, analysis and providing tailored solutions within the banking and finance industries. In 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, and 2024 Ron was named a Five Star Top Wealth Manager as Published in San Diego Magazine. In his personal time Ron enjoys spending time with his daughter, grand-daughter and wife of 22 years. He also enjoys playing numerous sports; golf, baseball, hockey and basketball.
Disclosure(s):
2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, and 2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, and 2024) . These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2024 Award- 2/13/2023 through 08/31/2023
2023 Award- 03/21/22 through 09/16/22
2022 Award- 04/12/2021 through 10/15/2021
2021 Award- 03/30/2020 through 10/16/2020
2020 Award- 03/1/2019 through 10/18/2019
2019 Award- 03/23/2018 through 10/15/2018
2018 Award- 03/22/2017 through 10/17/2017
2017 Award- 02/25/2016 through 10/14/2016
2016 Award- 06/2/2015 through 10/23/2015
2015 Award- 06/2/2014 through 10/23/2014
2014 Award- 06/2/2013 through 10/23/2013
Disclosure(s):
2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, and 2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2016, 2017, 2018, 2019, 2020, 2021, 2022, 2023, and 2024) . These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2024 Award- 2/13/2023 through 08/31/2023
2023 Award- 03/21/22 through 09/16/22
2022 Award- 04/12/2021 through 10/15/2021
2021 Award- 03/30/2020 through 10/16/2020
2020 Award- 03/1/2019 through 10/18/2019
2019 Award- 03/23/2018 through 10/15/2018
2018 Award- 03/22/2017 through 10/17/2017
2017 Award- 02/25/2016 through 10/14/2016
2016 Award- 06/2/2015 through 10/23/2015
2015 Award- 06/2/2014 through 10/23/2014
2014 Award- 06/2/2013 through 10/23/2013
Securities Agent: NJ, TN, OH, HI, MI, WA, VA, TX, SC, RI, OR, NY, NV, NM, NC, MT, MO, MA, IL, ID, GA, FL, CO, CA, AZ, KS; General Securities Representative; Investment Advisor Representative
NMLS#: 1312686
CA Insurance License #: 0L76846
NMLS#: 1312686
CA Insurance License #: 0L76846
About Steven H. Schuknecht
Steven joined Morgan Stanley and the CenterPoint One Group in February 2023, bringing a fresh perspective and a passion for helping clients achieve financial peace of mind. With a commitment to client service and delivering personalized solutions, Steven thrives on crafting strategies that reduce stress and empower clients to take control of their financial futures.
He earned his degree in International Business with a minor in Accounting from UC San Diego, where he also played for the university’s baseball team. Outside the office, he enjoys life at the beach, swinging clubs on the golf course, and spending time with friends. Recently married in 2024, Steven also cherishes time spent with his wife, Brittany, and their dog, balancing his professional drive with a love for family and community.
He earned his degree in International Business with a minor in Accounting from UC San Diego, where he also played for the university’s baseball team. Outside the office, he enjoys life at the beach, swinging clubs on the golf course, and spending time with friends. Recently married in 2024, Steven also cherishes time spent with his wife, Brittany, and their dog, balancing his professional drive with a love for family and community.
Contact Joseph Adamo
Contact Ronald William Thomas
Wealth Management
From Our Team
Strategies to Finance Your Business
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?
Article Image
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
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
Article Image
Ready to start a conversation? Contact The CenterPoint One Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan 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.
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 Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan 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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
10When 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.
11Morgan 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.
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
2Morgan 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.
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 Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan 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.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
10When 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.
11Morgan 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.
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)
