Kevin M Nichols, CPWA®, CAIA, CIMA®, QPFC
Executive Director, Financial Advisor, Senior Investment Management Consultant, Government Entity Specialist, Senior Portfolio Manager
Phone:
(203) 625-4681(203) 625-4681
The Centre Harbour Group at Morgan Stanley
Our Mission Statement
The Centre Harbour Group offers best in class wealth management strategies and service for private individuals and multigenerational families as well as for institutional clients including Foundations and Endowments, Corporate Retirement Plans and Government Entities. Our investment philosophy is strengthened from our diverse client base and provides a combination of strong risk-adjusted investment returns alongside sound strategic advice fitting the unique situation of each and every client.
No matter the type of client we serve, our mission is to support the prosperity and mission of our clients.
No matter the type of client we serve, our mission is to support the prosperity and mission of our clients.
Our Story & Services
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You'll have access to some of the world's most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
2023, 2024, 2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023, 2024, 2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Contact: CHG@morganstanley.com
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Centre Harbour Difference & Modern Client Resources
Experience
Our team members draw on decades of combined financial services experience in working with individuals, their families, board members, investment committees and other key members of an organization.
Personalized Service
We strive to provide exemplary service- We take personal ownership of every relationship, adopting a hands-on approach that is evident every step of the way, from the request for proposal through the first conversation to our quarterly performance meetings.
Relationship
We're good listeners- We engage in robust discussions to determine the key issues facing an organization or individual. Through frequent, proactive contact and personal engagement, we build enduring relationships with clients, some spanning several decades.
Analysis, Strategy & Planning
We use a variety of financial planning and risk analysis tools to preform a thorough review of your financial status. We then create a thorough financial strategy that will assist you in creating, protecting and transferring wealth in accordance with your goals.
Morgan Stanley Online
Beyond viewing your account balance and activity, Morgan Stanley Online (MSO) has a suite of features that allows you to manage your everyday finances from paying bills and sending money, to transferring funds and authorizing transactions with one click using eAuthorizations.
MSO
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 (MSO) may enroll in eDelivery.
eDelivery
Total Wealth View
Complete your financial profile with Total Wealth View. By linking your external account information, you will benefit from more educated and holistic wealth planning, and convenient connectivity.
Aggregate Your Wealth
GIC Weekly Research Report
The Global Investment Committee’s Lisa Shalett headlines this weekly look at markets, asset class performance, and fixed income.
View the Latest Report
Goals-Based Planning
Working with Morgan Stanley and its advanced wealth management technology is an ideal way to access advice and build a coherent wealth plan. Read more about the advantages of working with our unique planning technology to help reach your financial goals, whatever they may be.
Learn More
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows you to build a central, shared document library where all documents are stored using encryption.
Learn More
2025 Tax Tables
This document outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
2025 Tax Tables
Liquidity Access Line
Whether you're covering expenses or seizing opportunities, Liquidity Access Line is there where you need it. It's a flexible line of credit that's based on the value of the securities in your brokerage account, exclusively for Morgan Stanley clients.
Learn More
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative risk engine used by several of the world’s largest institutional asset managers, providing you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios. This helpful tool can assist you in making educated investment decisions with increased confidence.
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.
Listen HereInstitutional Experience and Process
We are passionate about working with institutions. Several of our team members have sat on numerous boards and investment committees. This first-hand knowledge helps us assist you in making the difficult decisions required to further your organization's long-term goals and support its mission. Uniquely suited to each and every client, we utilize the following process:
Step 1: Organizational Assessment
• Plan history
• Investment objectives
• Asset / liability structure
• Plan surpluses / revenues
• Time horizon and risk tolerance
• Employee Demographics
Benefit: Comprehensive Analysis
• Investment objectives
• Asset / liability structure
• Plan surpluses / revenues
• Time horizon and risk tolerance
• Employee Demographics
Benefit: Comprehensive Analysis
Step 2: Investment Policy Statement
• Duties and responsibilities
• Asset liability analysis
• Criteria to select asset classes, styles
• Procedures
• Process to upgrade / replace funds
Benefit: Policy statement tailored to your criteria
• Asset liability analysis
• Criteria to select asset classes, styles
• Procedures
• Process to upgrade / replace funds
Benefit: Policy statement tailored to your criteria
Step 3: Asset Allocation Study
• Utilize resources of the firm for insights
• Capital Markets informs decisions
• Models based on historic data and projected trends
• Policy adherence evaluation
• Portfolio construction recommendations
Benefit: Customized Allocation
• Capital Markets informs decisions
• Models based on historic data and projected trends
• Policy adherence evaluation
• Portfolio construction recommendations
Benefit: Customized Allocation
Step 4: Investment Manager Evaluation
• Open architecture manager searches
• Leverage 50+ dedicated manager analysis professionals
• Database of 14,000+ managers/funds, 1,100+ investment strategies analyzed
• Assessments are available to clients
• Work closely with your investment committee on manager recommendations
• Fee analysis and negotiation
Benefit: Unbiased and thorough analysis
• Leverage 50+ dedicated manager analysis professionals
• Database of 14,000+ managers/funds, 1,100+ investment strategies analyzed
• Assessments are available to clients
• Work closely with your investment committee on manager recommendations
• Fee analysis and negotiation
Benefit: Unbiased and thorough analysis
Step 5: Reporting and Communication
• Performance measurement and risk analysis
• Customized reporting where needed
• Educational presentations to Board on topics of interest
• Sophisticated asset allocation studies & portfolio analytics
Benefit: Customized reports, extensive services monitoring
• Customized reporting where needed
• Educational presentations to Board on topics of interest
• Sophisticated asset allocation studies & portfolio analytics
Benefit: Customized reports, extensive services monitoring
Step 6: Ongoing Review
• Present your plan's investment results at committee board meetings
• Regularly review plan policy statements and investment selections
• Provide ongoing capital markets intelligence to boards
• Ongoing educational events designed to meet your needs
Benefit: Continuous monitoring to help assure that plan goals and objectives are met
• Regularly review plan policy statements and investment selections
• Provide ongoing capital markets intelligence to boards
• Ongoing educational events designed to meet your needs
Benefit: Continuous monitoring to help assure that plan goals and objectives are met
Personalized Solutions
As your dedicated wealth management team, our role is to tailor a personalized financial strategy which fits your needs. For us, service means much more than providing sound investment advice and strategic guidance. We value our clients as part of our close-knit financial family, and we are proud to serve our clients as a resource, a sounding board or even a sympathetic ear. Understanding that investments are only one important piece of your overall wealth management strategy, we also serve as the primary coordinator and connector for all your wealth planning needs. We have experience and expertise in the following areas:
Our Team’s Family Wealth Capabilities
The Family Wealth Director (FWD) designation is earned by fewer than 4% of Morgan Stanley Financial Advisors as of January 2022. This designation is given to advisors who have undergone distinctive training to complement extensive experience working with ultra-high net worth families.
Family Governance and Wealth Education
The Family Governance and Wealth Education group helps ultra-high net worth families maximize the value of their human capital by addressing sensitive family issues, facilitating communication and managing your family dynamic to achieve a shared sense of common direction in coordination with your outside advisors.
Legacy & Estate Planning Strategies
We 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 estate planning and tax advisors as well.
Philanthropy Management
We provide a smart way to give to the causes that you 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.
Keeping You on Course
As part of your yearly review process, we will monitor and adjust your cash-flow requirements based on current market conditions, portfolio performance and your changing needs.
Discovery & Goal Setting
Let's start with an in-depth conversation to clarify and determine your wants, needs and values. It is crucial for us to fully comprehend all aspects of your life that influence your financial decisions and goals. Everyone is unique, so every financial plan should be as well.
Implementation
Your assets will be transferred to Morgan Stanley once you give your approval. We start implementing the additional techniques we described in your plan once they are in line with your investment strategy.
Ongoing Monitoring
Maintaining & strengthen our relationship is of top priority. We keep in touch with you frequently to give you account updates. Additionally, we track your progress toward each of your objectives and modify your financial strategy as necessary as things change in your life.
CERTIFICATIONS & AWARDS
Forbes America's Best-In-State Wealth Management Teams 2023, 2024, 2025
Forbes America’s Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023, 2024, 2025) Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Awards DisclosureSource: Forbes.com (Awarded Jan 2023, 2024, 2025) Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Certified Alternative Investment Analyst®
The CAIA® designation, sponsored by the CAIA Association, focuses on alternative asset categories, including hedge funds, private equity, commodities and real estate.
Certified Private Wealth Advisor®
CPWA® is an advanced education and certification program for financial advisors who work with high-net-worth clients on the life cycle of wealth: accumulation, preservation, and distribution.
Family Wealth Director®
The Family Wealth Director (FWD) designation is earned by fewer than 4% of Morgan Stanley Financial Advisors as of January 2022. This designation is given to advisors who have undergone distinctive training to complement extensive experience working with ultra-high net worth families.
Certified Investment Management Analyst®
The CIMA® certification program covers five core topic areas and requires that candidates meet all eligibility requirements, including experience, education, examination, and ethics. This certification continues to be the highest level of advanced investment education for client-facing advisors. Having this designation enables Julie to make effective moves with your investment strategy in order to help meet or exceed your goals.
Government Entity Specialist®
GES® includes, but is not limited to, a county, town, city, state, federal government, or a school board, public utility, public authority, agency, commission, public employee pension fund, public hospital, public educational institution, public foundation, state or local pooled funds (e.g., institutional 529 plans and 457 retirement plans), or other subdivision or instrumentality controlled by the federal, state, or local government.
Investing with Impact Director®
Investing with Impact Directors are chosen for their advanced experience and leadership in working with clients that are motivated to generate positive environmental and social impact alongside market-rate financial returns.
Qualified Plan Financial Consultant®
OPFC® is the professional credential for financial professionals who sell, advise, market or support qualified retirement plans. The QPFC® program provides an understanding of retirement plan concepts, terminology, distinctive features of qualified plans and the role of retirement plan professionals.
Location
One Fawcett Place, 3rd
Floor
Greenwich, CT 06830
US
Direct:
(203) 625-4681(203) 625-4681
Meet The Centre Harbour Group
Vice President, Wealth Management, Financial Advisor, Government Entity Specialist, Investing with Impact Director, Family Wealth Director
Phone:
(203) 625-4809(203) 625-4809
Matt Sykes
Financial Advisor
Phone:
(203) 625-4622(203) 625-4622
Ashley Angelo
Wealth Management Associate
Phone:
(203) 625-4895(203) 625-4895
About Kevin M Nichols
Kevin re-joins Morgan Stanley where he previously served as Vice President of the Principal Strategies Group, focusing on portfolio management, sourcing investments and trading across the capital structure. He was also an associate on the Institutional Sales and Trading Group during his prior seven-year tenure with the firm. With the Centre Harbour Group he is responsible for third party manager, alternative investment and single security due diligence, discretionary strategy development, portfolio management, and asset allocation strategy for the group’s institutional and high net worth clients. His investment research and trading background helps him to understand the quantitative data from clients’ portfolios while simultaneously focusing the portfolio’s qualitative aspects.
Previously, Kevin was vice president of strategy for the Newedge Group, where he was responsible for assets allocation strategy, research and trading on the exchange-traded funds desk. Additionally, Kevin was a columnist for The Wall Street Journal and Dow Jones as part of its investment banking segment, writing on such topics as mergers and acquisitions in the energy and financial serivces sectors. He has appeared on Fox Business News and Sky News. He began his investment career in the Mutual Fund Accounting Group at State Street Global Advisors in 2001.
Kevin holds the Certified Investment Management AnalystSM (CIMA®), Certified Private Wealth Advisor (CPWA®), Qualified Plan Financial Consultant (QPFC®) and Chartered Alternative Investment AnalystSM® (CAIASM) designations. He is also a member of the Investment Management Consultants Association. He is a portfolio manager who, in addition to providing traditional advice and guidance, can help clients pursue their objectives by building and managing his own personalized or defined strategies, which may incorporate individual stocks and bonds, Morgan Stanley model portfolios and third-party investment strategies. When servicing clients through the firm’s Portfolio Management Program, a portfolio manager may manage his strategies on a discretionary basis.
Kevin earned a bachelor’s degree in Mathematics with a specialty in Statistics and a minor in Business Management from Boston University in 2001 and an MBA with a focus on Investment Banking, Quantitative Finance and Global Business from New York University’s Leonard N. Stern School of Business in 2005. He and his wife, Leah, an interior decorator, and their four children reside in Greenwich, Connecticut.
Previously, Kevin was vice president of strategy for the Newedge Group, where he was responsible for assets allocation strategy, research and trading on the exchange-traded funds desk. Additionally, Kevin was a columnist for The Wall Street Journal and Dow Jones as part of its investment banking segment, writing on such topics as mergers and acquisitions in the energy and financial serivces sectors. He has appeared on Fox Business News and Sky News. He began his investment career in the Mutual Fund Accounting Group at State Street Global Advisors in 2001.
Kevin holds the Certified Investment Management AnalystSM (CIMA®), Certified Private Wealth Advisor (CPWA®), Qualified Plan Financial Consultant (QPFC®) and Chartered Alternative Investment AnalystSM® (CAIASM) designations. He is also a member of the Investment Management Consultants Association. He is a portfolio manager who, in addition to providing traditional advice and guidance, can help clients pursue their objectives by building and managing his own personalized or defined strategies, which may incorporate individual stocks and bonds, Morgan Stanley model portfolios and third-party investment strategies. When servicing clients through the firm’s Portfolio Management Program, a portfolio manager may manage his strategies on a discretionary basis.
Kevin earned a bachelor’s degree in Mathematics with a specialty in Statistics and a minor in Business Management from Boston University in 2001 and an MBA with a focus on Investment Banking, Quantitative Finance and Global Business from New York University’s Leonard N. Stern School of Business in 2005. He and his wife, Leah, an interior decorator, and their four children reside in Greenwich, Connecticut.
Securities Agent: WA, VT, UT, TX, TN, SC, RI, PA, OR, OK, NY, NM, NJ, NH, NC, MO, MN, MI, ME, MA, KS, IN, IL, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AR, AK; General Securities Principal; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 805627
NMLS#: 805627
About Rebecca E. Lilly
Becky is a member of the Centre Harbour Group at Morgan Stanley which services both private clients, foundations, endowments, pensions and defined contribution plans. Becky previously worked in the Private Wealth Management division of Morgan Stanley for her first 5+ years at the firm where she focused on ultra high net worth private clients. For endowments and foundations, Becky works to provide investment consultant services to help align the risk / return objectives and broader operations / mission of these organizations. For individuals and families, Becky works to develop and implement financial and investment management strategies to help meet their short term needs and long term goals in coordination with their values, business concerns, philanthropy and outside estate / tax advisors.
Becky has a background in high net worth client investment management derived from experiences in the art market at Sotheby’s as well as investment analysis from being a management consultant in the healthcare industry and director of PR & advertising for an international private family-owned company. She received an MBA from the Yale School of Management and her undergraduate degree from Tufts University with majors in Economics & Art History. During a voluntary career break, Becky founded a non-profit, coached competitive youth soccer teams, competed in triathlons and open-water swims as well as volunteered extensively in her community of Rye New York. Becky returned to work through the Goldman Sachs ‘Returnship’ program in January 2014.
Becky has experience and knowledge in sustainable investing including ESG / SRI strategies as well as family wealth planning and multigenerational wealth dynamics including financial tutoring which all promote thoughtful financial management.
Designations:
Investing with Impact Director
Family Wealth Director
Government Entity Specialist
Education & Organizations:
MBA, Yale School of Management, 1998
BA, Economics & Art History, Tufts University, 1992
Advisory Board, Yale International Center for Finance, Yale School of Management
Board of Visitors, IUPUI Lilly Family School of Philanthropy, Indianapolis IN
Board of Trustees, Heritage Museum & Gardens, Sandwich MA
Becky has a background in high net worth client investment management derived from experiences in the art market at Sotheby’s as well as investment analysis from being a management consultant in the healthcare industry and director of PR & advertising for an international private family-owned company. She received an MBA from the Yale School of Management and her undergraduate degree from Tufts University with majors in Economics & Art History. During a voluntary career break, Becky founded a non-profit, coached competitive youth soccer teams, competed in triathlons and open-water swims as well as volunteered extensively in her community of Rye New York. Becky returned to work through the Goldman Sachs ‘Returnship’ program in January 2014.
Becky has experience and knowledge in sustainable investing including ESG / SRI strategies as well as family wealth planning and multigenerational wealth dynamics including financial tutoring which all promote thoughtful financial management.
Designations:
Investing with Impact Director
Family Wealth Director
Government Entity Specialist
Education & Organizations:
MBA, Yale School of Management, 1998
BA, Economics & Art History, Tufts University, 1992
Advisory Board, Yale International Center for Finance, Yale School of Management
Board of Visitors, IUPUI Lilly Family School of Philanthropy, Indianapolis IN
Board of Trustees, Heritage Museum & Gardens, Sandwich MA
Securities Agent: SC, TX, UT, VA, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IL, IN, KS, LA, TN, WA, VT, MA, MD, ME, MI, MN, MO, NC, ND, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI; General Securities Representative; Investment Advisor Representative
NMLS#: 1487173
NMLS#: 1487173
About Matt Sykes
Matt Sykes is a member of the Centre Harbor Group at Morgan Stanley, a team that provides guidance on complex issues facing ultra-high net worth individuals, family offices, foundations, endowments, pensions and defined contribution plans. Incorporating over 25 years of market experience, Matt focuses on investment due diligence, asset allocation strategy, portfolio management and alternative investments for institutional and individual clients. In addition, Matt advises families on philanthropic interests as well as trust & estate planning.
Matt began his career in wealth management at Donaldson, Lufkin & Jenrette, responsible for portfolio construction and Taxable Fixed Income trading.
Prior to joining Morgan Stanley, Matt led the Global Equity Arbitrage desk at Tullett Prebon, where he facilitated derivatives trading between institutional market participants.
A graduate of Trinity College with a BA in Economics, Matt lives with his wife Tricia and four children in Rye, NY
Matt began his career in wealth management at Donaldson, Lufkin & Jenrette, responsible for portfolio construction and Taxable Fixed Income trading.
Prior to joining Morgan Stanley, Matt led the Global Equity Arbitrage desk at Tullett Prebon, where he facilitated derivatives trading between institutional market participants.
A graduate of Trinity College with a BA in Economics, Matt lives with his wife Tricia and four children in Rye, NY
Securities Agent: MN, NC, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, VA, VT, WA, WI, WY, MO, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IL, IN, KS, KY, MA, MD, ME, MI; General Securities Representative; Investment Advisor Representative
NMLS#: 1762609
NMLS#: 1762609
About Ashley Angelo
Ashley Angelo is a Registered Associate for the Forma Group. She oversees the support and service functions for the team. She began her financial services career at Smith Barney in 2009. In 2014, she decided to leave the firm and explore other opportunities. She rejoined the firm in 2017 and the Forma Group in April of 2018. Ashley enjoys the learning opportunities that come with the daily challenges. Ashley graduated Miami University with a Bachelor of Science degree in Finance and a minor in Spanish. She and her husband, Brett, live in Fairfield, Connecticut.
Contact Kevin M Nichols
Contact Rebecca E. Lilly
Contact Matt Sykes
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Senior Vice President, Wealth Management, Financial Advisor, Senior Institutional Consultant, Government Entity Specialist
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
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
Donor Advised Funds: A Smart Way to Manage Your Giving
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Centre Harbour 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 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6When 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.
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.
8The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
9Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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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
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 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6When 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.
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.
8The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
9Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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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:
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), 3582895 (6/2024)
