Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(708) 226-5423(708) 226-5423
The Century Wealth Management Group at Morgan Stanley
Direct:
(708) 226-5432(708) 226-5432
Toll-Free:
(800) 323-1340(800) 323-1340
Our Mission Statement
Helping individuals, families, and small business owners prepare for their financial goals and retirement through professional relationships and personalized service.
Welcome
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
OUR SUITE OF DIGITAL TOOLS
Digital technology is centered on how people communicate, consume, transact and travel. Our extensive suite of digital tools are designed to assist and enhance your financial life.
Portfolio Risk Platform (Aladdin)
The Portfolio Risk Platform (Aladdin) is a state-of-the-art wealth management platform providing real time analytics that enable Financial Advisors to identify and better understand risks in their clients’ portfolios. The Portfolio Risk Platform leverages a 3,000 factor risk model to build out an analytics suite focused on risk, historical and hypothetical scenario analysis, and proposal generation.
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Total Wealth View
Total Wealth View allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
By having the ability to view all of your assets together, there is an ability to advise with your entire financial picture in mind.
Learn MoreBy having the ability to view all of your assets together, there is an ability to advise with your entire financial picture in mind.
Cybersecurity
Your security is our top priority. Morgan Stanley proactively defends our systems and monitors our digital landscapes to anticipate issues before they arise and responds appropriately when they do.
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Voice ID
With VoiceID, we can seamlessly confirm your identity when you call the Morgan Stanley Service Center. When you enroll in VoiceID, we will create and store a voiceprint, like a verbal fingerprint, that will be used to authenticate you on future calls.
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Digital Vault
Digital Vault allows you to securely store your financial records using encryption. Documents are organized, stored securely and made readily available when necessary.
Learn MoreINDIVIDUAL WEALTH MANAGEMENT STRATEGY
Our wealth management process incorporates your investment objectives as well as your financial goals. We aim to encompass all the elements of your financial life, and make sure to align with your goals and wealth management plan.
LifeView - Intelligent Planning
LifeView is a suite of planning tools that includes goal specific analysis that we can use with our clients to create a realistic, holistic strategy that integrates the various aspects of an individuals financial life, including investments and cash management needs.
Complete Questionnaire Here
Strategy - Intelligent Withdrawals
Building wealth is a means to an end. Taxes can eat up a significant portion of your assets upon withdrawal. This is why its vital to look at your entire portfolio and coordinate liquidation to help reduce the impact of taxes and potentially improve investment results. We are backed by sophisticated technology that enables us to look across multiple accounts and products to determine the right combination of securities and positions to sell for client needs.
View Tax Aware Strategies Here
Spending and Budgeting Tool
One way to manage savings is by using Morgan Stanley's Spending and Budgeting tool. These tools help advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
Start Using the Tool Today
Goals Planning System
Goals Planning System (GPS) is Morgan Stanley's own integrated planning tool. Built on the Firm's intellectual capital and capabilities, GPS is an intuitive and efficient platform used to quickly assess whether a client is "On Track" to achieving their financial goals.
Start Planning NowWhat to Expect
Personalized Portfolios
As portfolio managers, we can use discretion to identify an investment strategy tailored to meet your needs.
Comprehensive Communications
Throughout our relationship, you’ll have direct access to the team, including quarterly calls and portfolio reviews.
Client Focus
Each account can be individually customized to meet your requirements for growth, income or preservation of capital within your risk constraints.
Our Client Service Model
We take great pride in providing you with a high level of service as well as an exceptional experience.
Location
15341 S. 94th Ave
Ste 200
Orland Park, IL 60462
US
Direct:
(708) 226-5432(708) 226-5432
Toll-Free:
(800) 323-1340(800) 323-1340
Meet The Century Wealth Management Group
Phone:
(708) 226-5410(708) 226-5410
Phone:
(630) 573-9757(630) 573-9757
Daniel Guerrero
Financial Advisor
Phone:
(708) 226-5440(708) 226-5440
Jared Dowdakin, CFA
Financial Advisor
Phone:
(312) 453-9458(312) 453-9458
Tina Gaskey
Senior Client Service Associate
Phone:
(708) 226-5432(708) 226-5432
Haley Reiher
Registered Client Service Associate
Phone:
(708) 226-5494(708) 226-5494
About Michael J Moran
Michael J. Moran is a Senior Vice President -- Wealth Management, Portfolio Manager -- Director and Financial Specialist in Orland Park, Illinois. He has more than 28 years of experience in the securities industry, 15 years with Morgan Stanley and Smith Barney, a predecessor firm.
Michael has a solid reputation for delivering an uncommon level of exceptional client service. He has been meeting with clients on a regular basis for the past 20 year’s weather it is in the office or at the kitchen table. Additionally we have hosted regular conference calls to give individuals access to some of the brightest minds analyzing the economy, financial markets and individual securities.
“I am deeply committed to providing clients with the information they need to be knowledgeable, confident and comfortable with their carefully curated portfolio,” he says.
Michael was attracted to the business early in life. During his youth, he and his sister enjoyed listening to his father talk about the stock market and his job as a Financial Services Industry. “I realized back then that his was not a nine-to-five job,” Michael recalls. “You have to always find ways to keep clients informed and ensure they remain comfortable.”
Thanks to his father, Michael was inspired to develop a commitment to serve others and nurture a strong work ethic. Both he and sister would become Financial Advisors.
After graduating from the University of Illinois College of Commerce and Business Administration, Michael began his career in the business with Prudential Securities in the early 1990s. He joined Smith Barney in 2005.
Over the years, he has built an impressive clientele, including high-net-worth individuals, entrepreneurs, small businesses, retirement plan investors and retirees.
In maintaining the family tradition of keeping clients well-informed, in 2020 alone, a year in which business and markets were severely affected by Covid-19, Michael managed to host 14 conference calls for his clients via Zoom meetings. He not only had highly respected speakers from Morgan Stanley but also well-regarded voices from other major financial advisory firms.
Michael is constantly looking for new topics for his conference calls, a key reason he reads Morgan Stanley’s research regularly. When he isn’t focused on serving others, Michael spends quality time with his lovely wife, Tracey, and their two boys, Jack and Ryan. He also enjoys travel and golf. The family makes its home in Homer Glen, Illinois.
Michael has a solid reputation for delivering an uncommon level of exceptional client service. He has been meeting with clients on a regular basis for the past 20 year’s weather it is in the office or at the kitchen table. Additionally we have hosted regular conference calls to give individuals access to some of the brightest minds analyzing the economy, financial markets and individual securities.
“I am deeply committed to providing clients with the information they need to be knowledgeable, confident and comfortable with their carefully curated portfolio,” he says.
Michael was attracted to the business early in life. During his youth, he and his sister enjoyed listening to his father talk about the stock market and his job as a Financial Services Industry. “I realized back then that his was not a nine-to-five job,” Michael recalls. “You have to always find ways to keep clients informed and ensure they remain comfortable.”
Thanks to his father, Michael was inspired to develop a commitment to serve others and nurture a strong work ethic. Both he and sister would become Financial Advisors.
After graduating from the University of Illinois College of Commerce and Business Administration, Michael began his career in the business with Prudential Securities in the early 1990s. He joined Smith Barney in 2005.
Over the years, he has built an impressive clientele, including high-net-worth individuals, entrepreneurs, small businesses, retirement plan investors and retirees.
In maintaining the family tradition of keeping clients well-informed, in 2020 alone, a year in which business and markets were severely affected by Covid-19, Michael managed to host 14 conference calls for his clients via Zoom meetings. He not only had highly respected speakers from Morgan Stanley but also well-regarded voices from other major financial advisory firms.
Michael is constantly looking for new topics for his conference calls, a key reason he reads Morgan Stanley’s research regularly. When he isn’t focused on serving others, Michael spends quality time with his lovely wife, Tracey, and their two boys, Jack and Ryan. He also enjoys travel and golf. The family makes its home in Homer Glen, Illinois.
Securities Agent: IN, IA, FL, AR, WA, MO, AL, VA, TN, NE, GA, CA, AZ, OH, NY, IL, OR, MN, HI, UT, NJ, WI, PA, CT, CO, MA, AK, TX, LA, NC, MS, NV, MI, KY; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1274533
NMLS#: 1274533
About Debra J Baker
Since majoring in Economics at the University of Illinois C-U, Deb has had a passion for financial planning and wealth creation. Deb has spent her 35+ year career assisting her clients in managing their financial assets and implementing solutions to help them plan for and realize their family’s personal financial goals.
Giving back has always been a priority for Deb. She is celebrating her 15th year as a member of the Orland Park Rotary Club, and is a Past president of the club.
Deb has also served as the clubs International Youth Exchange Coordinator for Rotary International, Coordinator for Rotary Early Act and Interact Youth Programs, and Board member. Deb also spent part of her career serving as member and past Ambassador of the Orland Park Chamber of Commerce.
Deb is a Senior Vice President, a CFP® Professional; and is one of the five percent of advisors at Morgan Stanley to earn the coveted Family Wealth Director designation. Deb was honored in being appointed a Paul Harris Fellow and Society Member with Rotary International.
Deb has been happily married to her husband Chuck for 34 years, has two daughters, a son, all now happily married, and is now enjoying her new role as a Grandmother to four young boys.
Outside of her career, you will find Deb enjoying time with her family and friends. She loves spending time with and cooking for her family, enjoys concerts, plays; and all activities outdoors -golfing, hiking, boating, biking, skiing, traveling, and reading in her downtime.
Giving back has always been a priority for Deb. She is celebrating her 15th year as a member of the Orland Park Rotary Club, and is a Past president of the club.
Deb has also served as the clubs International Youth Exchange Coordinator for Rotary International, Coordinator for Rotary Early Act and Interact Youth Programs, and Board member. Deb also spent part of her career serving as member and past Ambassador of the Orland Park Chamber of Commerce.
Deb is a Senior Vice President, a CFP® Professional; and is one of the five percent of advisors at Morgan Stanley to earn the coveted Family Wealth Director designation. Deb was honored in being appointed a Paul Harris Fellow and Society Member with Rotary International.
Deb has been happily married to her husband Chuck for 34 years, has two daughters, a son, all now happily married, and is now enjoying her new role as a Grandmother to four young boys.
Outside of her career, you will find Deb enjoying time with her family and friends. She loves spending time with and cooking for her family, enjoys concerts, plays; and all activities outdoors -golfing, hiking, boating, biking, skiing, traveling, and reading in her downtime.
Securities Agent: TX, PA, MO, FL, CT, NY, LA, KY, AZ, WI, OR, AL, SC, OH, CA, UT, MN, DC, WA, CO, TN, NJ, NE, MI, IN, IA, AK, VA, MA, HI, GA, AR, MS, IL, NV, NH, NC; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1270200
CA Insurance License #: OH83441
NMLS#: 1270200
CA Insurance License #: OH83441
About Tom McGee
As a senior wealth management professional with 30 years of experience, I strive to be a trusted advisor who helps my clients reach wise financial decisions. I focus on helping families and business owners navigate through life transitions such as a business succession, retirement, career change, divorce or a loved one’s death.
In collaboration with the global expertise and support of Morgan Stanley, I work with a limited number of clients to help develop and execute their comprehensive wealth management plans.
As a senior wealth management professional, my financial experience includes serving as Executive Director/Wealth Manager at J.P. Morgan, Managing Director/Sr. Portfolio Manager at Harris Private Bank, and Institutional Portfolio Manager at the Mercantile Bank (U.S. Bank).
I am a graduate of Indiana University Kelley School of Business and a Chartered Financial Analyst™ (CFA®). I have recently served as a Board Member of the DuPage Children's Museum, Naperville Education Foundation Trustee, North Central College Board of Trustee Associate, and President and Campaign Chairperson of the Good Shepherd Church Council.
I am blessed with my wonderful family including my wife Linda and our four biological and adopted children. In my time outside the office, I volunteer with faith-based organizations while passionately following our kids’ activities and sports events, and stay active by playing softball and basketball, boating, fishing, and golfing.
In collaboration with the global expertise and support of Morgan Stanley, I work with a limited number of clients to help develop and execute their comprehensive wealth management plans.
As a senior wealth management professional, my financial experience includes serving as Executive Director/Wealth Manager at J.P. Morgan, Managing Director/Sr. Portfolio Manager at Harris Private Bank, and Institutional Portfolio Manager at the Mercantile Bank (U.S. Bank).
I am a graduate of Indiana University Kelley School of Business and a Chartered Financial Analyst™ (CFA®). I have recently served as a Board Member of the DuPage Children's Museum, Naperville Education Foundation Trustee, North Central College Board of Trustee Associate, and President and Campaign Chairperson of the Good Shepherd Church Council.
I am blessed with my wonderful family including my wife Linda and our four biological and adopted children. In my time outside the office, I volunteer with faith-based organizations while passionately following our kids’ activities and sports events, and stay active by playing softball and basketball, boating, fishing, and golfing.
Securities Agent: KY, MN, NM, OR, TX, WI, WY, WA, VA, UT, TN, SC, PA, OH, NY, NV, NE, NC, MO, MI, MA, LA, KS, IN, IL, ID, IA, GA, FL, DC, CT, CO, CA, AZ, AK, AL, AR, DE, HI, MD, ME, MS, MT, ND, NH, NJ, OK, PR, RI, SD, VI, VT, WV; General Securities Representative; Investment Advisor Representative
NMLS#: 821729
NMLS#: 821729
About Daniel Guerrero
Dan has been in the financial services business for 12 years. He began his career in the insurance industry where he specialized in Risk Management and Insurance Products. He took that knowledge and joined Morgan Stanley to become more involved in the world of investments and tailored financial planning. Hired as a planning specialist for all Morgan Stanley clients, Dan met Janet, Barry and Tina in 2014. A shared interest in values, work ethic and skills allowed for a partnership to be formed shortly after. Since 2015 Dan has been a partner of the Bolton Group and worked exclusively with Bolton Group clients.
A graduate from the University of Illinois at Urbana Champaign with a concentration in Finance. During his financial services career Dan holds the titles/designations of Financial Planning Specialist, Portfolio Manager. Personally, Dan comes from a very large family that gathers regularly and has his own family himself. Dan and his family are avid Chicago sports fans and both he and his family enjoy competing in Triathlons and marathons.
A graduate from the University of Illinois at Urbana Champaign with a concentration in Finance. During his financial services career Dan holds the titles/designations of Financial Planning Specialist, Portfolio Manager. Personally, Dan comes from a very large family that gathers regularly and has his own family himself. Dan and his family are avid Chicago sports fans and both he and his family enjoy competing in Triathlons and marathons.
Securities Agent: OR, AL, UT, VA, KY, NY, NH, IL, IA, CT, AR, AK, PA, AZ, WI, WA, TX, MD, IN, SC, NV, MO, MA, LA, GA, FL, DC, HI, NJ, NE, CO, TN, MI, OH, NC, MS, MN, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 2125274
NMLS#: 2125274
About Jared Dowdakin
Jared Dowdakin came to Morgan Stanley in 2021, after beginning his wealth management career at JP Morgan in 2018. Leveraging his capital markets background, he provides customized solutions to address the sophisticated objectives of highly accomplished executives and entrepreneurs. As a Chartered Financial Analyst®, Jared helps the team’s clients sort through complex issues and make clear, well-informed decisions.
Earlier in his career, Jared worked as a Fixed Income Trader at Nuveen Asset Management, where he provided best execution in construction of tailored, tax-advantaged, fixed income solutions. He started out as a derivatives trader at TransmarketGroup, LLC.
Jared graduated with a B.A. in economics from Dartmouth College, where he was selected by his teammates as Captain of the Big Green football team. He remains close to his alma mater, currently serving as President of the Dartmouth Club of Chicago. He continues his athletic pursuits today as an Ironman triathlete and marathon runner.
Earlier in his career, Jared worked as a Fixed Income Trader at Nuveen Asset Management, where he provided best execution in construction of tailored, tax-advantaged, fixed income solutions. He started out as a derivatives trader at TransmarketGroup, LLC.
Jared graduated with a B.A. in economics from Dartmouth College, where he was selected by his teammates as Captain of the Big Green football team. He remains close to his alma mater, currently serving as President of the Dartmouth Club of Chicago. He continues his athletic pursuits today as an Ironman triathlete and marathon runner.
Securities Agent: AZ, NY, GA, MT, TN, IA, WI, ND, SD, WA, MA, MD, FL, WV, OK, OH, SC, NV, WY, DC, NJ, IL, VA, MN, PR, HI, VT, VI, RI, LA, KS, NE, MS, IN, NC, CT, ID, NH, TX, CO, UT, AL, NM, AK, ME, PA, OR, MI, MO, KY, CA, AR, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 2179846
NMLS#: 2179846
About Tina Gaskey
Professional Details
Experience in the Financial Services Industry since 1982
25 Year Dedicated and Loyal Service Award from Morgan Stanley*
Responsibilities with the team include client service and account administration
Dedicated to providing the ultimate client experience
Tel: 708.226.5432
email: tina.m.gaskey@morganstanley.com
Experience in the Financial Services Industry since 1982
25 Year Dedicated and Loyal Service Award from Morgan Stanley*
Responsibilities with the team include client service and account administration
Dedicated to providing the ultimate client experience
Tel: 708.226.5432
email: tina.m.gaskey@morganstanley.com
About Haley Reiher
Registered Client Service Associate, Haley Reiher, enjoys providing our clients with the best possible service for their own personal needs. She has worked at Morgan Stanley since graduating from Saint Xavier University in Chicago, IL in 2019 with a bachelor’s degree in Finance.
Haley is a registered member of the team.
Haley enjoys learning new skills on the job each day and prides herself on providing exceptional service with a personal touch. When asked what is most important when servicing clients she said “Efficiency is key to a happy client”.
Haley is a registered member of the team.
Haley enjoys learning new skills on the job each day and prides herself on providing exceptional service with a personal touch. When asked what is most important when servicing clients she said “Efficiency is key to a happy client”.
Contact Michael J Moran
Contact Debra J Baker
Contact Tom McGee
Contact Daniel Guerrero
Contact Jared Dowdakin
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
Jordan Hoerter
Private Banker
Amy Gross, CFP®
Financial Planning Director, Vice President
About Jordan Hoerter
Jordan Hoerter is a Private Banker serving Morgan Stanley Wealth Management offices in Illinois.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Jordan began his career in financial services in 2010 and joined Morgan Stanley in 2019. Prior to joining the firm, he was Vice President, Private Banker at Associated Bank.
Jordan is a graduate of the University of Wisconsin Stevens Point where he received a Bachelor of Science in Business Administration and Marketing. He lives in Chicago, Illinois.. Jordan donates his time with United Way, Emerging Leaders, Blessings in a Backpack and Junior Achievement.
When not in the office, Jordan enjoys running, snowboarding, traveling and spending time with his family.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Jordan began his career in financial services in 2010 and joined Morgan Stanley in 2019. Prior to joining the firm, he was Vice President, Private Banker at Associated Bank.
Jordan is a graduate of the University of Wisconsin Stevens Point where he received a Bachelor of Science in Business Administration and Marketing. He lives in Chicago, Illinois.. Jordan donates his time with United Way, Emerging Leaders, Blessings in a Backpack and Junior Achievement.
When not in the office, Jordan enjoys running, snowboarding, traveling and spending time with his family.
NMLS#: 1445073
About Amy Gross
Amy Gross is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in the Chicago suburbs. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Amy began her career in financial services in 2009 and joined Morgan Stanley in 2021. Prior to her current position, she worked at Merrill Lynch and Credit Suisse as a Senior Registered Associate working with high-net-worth clients on an individual basis and making sure all their financial and operational needs were met.
Amy graduated from Illinois State University and holds her Certified Financial Planner® designation. Amy lives in Brookfield, IL with her husband Garrett, daughter Felicity and son Emmett. Outside of work, Amy enjoys both going to and volunteering at Brookfield Zoo and is a Chicago Zoological Association Associate Board Member. Outside of work she enjoys reading, traveling and exploring new places whenever she can.
Amy began her career in financial services in 2009 and joined Morgan Stanley in 2021. Prior to her current position, she worked at Merrill Lynch and Credit Suisse as a Senior Registered Associate working with high-net-worth clients on an individual basis and making sure all their financial and operational needs were met.
Amy graduated from Illinois State University and holds her Certified Financial Planner® designation. Amy lives in Brookfield, IL with her husband Garrett, daughter Felicity and son Emmett. Outside of work, Amy enjoys both going to and volunteering at Brookfield Zoo and is a Chicago Zoological Association Associate Board Member. Outside of work she enjoys reading, traveling and exploring new places whenever she can.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Century Wealth Management 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.
1When 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.
2Morgan 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.
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.
4The 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.
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.
6Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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:
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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
1When 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.
2Morgan 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.
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.
4The 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.
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.
6Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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Awards Disclosures
CRC 6491812 (04/2024)
