Phone:
(610) 391-6317(610) 391-6317
The Cichocki Group at Morgan Stanley
Direct:
(610) 391-6317(610) 391-6317
Toll-Free:
(800) 433-4200(800) 433-4200
Our Mission Statement
Our goal is simple: to help you navigate through life’s stages and make a positive impact on you and your family’s financial goals.
Our Story and Services
Community has always been important to us. We were born and raised in the Allentown area and continue to live and raise our families here with the same commitment to our friends, neighbors, and our shared purpose. As Morgan Stanley Financial Advisors, we offer guidance that starts with investments but reaches far beyond to encompass virtually every aspect of your financial life. Our objective is to help you pursue your goals with greater clarity and confidence. That is why our practice has been an integral part of the Allentown community for the last several years.
We believe success in achieving important financial goals starts with a comprehensive wealth strategy. We will help you define what is most important to you and then formulate the strategies that are appropriate for your needs, whether you are accumulating wealth or investing for income, solidifying your retirement plan or devising a distribution approach that helps meet your lifestyle and legacy goals.
2023 Forbes Best-In-State Wealth Management Team
Source: Forbes (Awarded Jan 2023). Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22. (https://www.morganstanley.com/disclosures/awards-disclosure.html)
We believe success in achieving important financial goals starts with a comprehensive wealth strategy. We will help you define what is most important to you and then formulate the strategies that are appropriate for your needs, whether you are accumulating wealth or investing for income, solidifying your retirement plan or devising a distribution approach that helps meet your lifestyle and legacy goals.
2023 Forbes Best-In-State Wealth Management Team
Source: Forbes (Awarded Jan 2023). Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22. (https://www.morganstanley.com/disclosures/awards-disclosure.html)
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
We believe that financial planning is as much an art as it is a science. Certainly, we quantify the cost of your goals, compare it to your resources, and determine whether you have a gap or a surplus, but we also go well beyond mathematical calculations. Based on our discussions, we will develop strategies that may encompass your personal balance sheet and multiple dimensions of your financial life. We often collaborate with our clients’ attorneys and accountants to help implement your estate plan. As Morgan Stanley Financial Advisors, we offer access, when needed, to experienced professionals in cash management, trusts, philanthropy and various other non-investment disciplines. Our investment focus incorporates the firm’s Global Investment Committee recommendations on asset allocation and portfolio construction. Often, we implement those recommendations through our Unified Managed Account platform that enables you to participate in numerous asset classes.
Step 1: Introductory Meeting
Our relationship begins with an initial discussion aimed towards understanding who you are as a person, not just as an investor. What do you want your wealth to accomplish? What obstacles do you fear might be standing in your way? What do you hope to pass on to your children and/or grandchildren?
Step 2: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing an appropriate risk tolerance that can help you achieve the financial outcome you envision for yourself.
Step 3: Financial Plan Presentation
Financial plan presentations map out essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage. By examining relevant financial information, we can provide a holistic asset allocation recommendation for your accounts.
Step 4: Investment Strategy and Portfolio Allocation
After the financial plan presentation, we will follow up with you regarding your investment strategy and any other relevant recommendations. We balance your risk tolerance, growth objectives, and income needs to construct an optimal portfolio.
Step 5: Implementation Meeting
Working with Katrina and Candice, we aim to create a seamless transition for you. Whether this means setting up new accounts, account transfers, linking external accounts, we will strive to make this phase as smooth and efficient as possible.
Step 6: Monitoring & Performance Tracking
We will be constantly monitoring your assets and analyzing your performance tracking data seeking to ensure your financial expectations are being met and adjusted accordingly. We maintain consistent communication with you to make sure your concerns and requests are always addressed.
WHO WE WORK WITH
Our clients are primarily successful professionals, business owners, executives, families and institutions: some of whom are at the height of their careers, some of whom are approaching retirement, and all of whom are our first priority. We take great pride in the fact that our clients come to us not only for investment assistance, but guidance on virtually all financial matters. We are often asked to meet with children or grandchildren so they can better understand the responsibilities that come with the wealth they will inherit someday. And when we do not have all the answers, we can draw upon the extensive resources of Morgan Stanley, one of the world’s most respected financial services firms.
Business Owners
We play an important role in helping business owners manage their finances and make strategic decisions. We can provide guidance on topics such as cash flow management, investment strategies, risk management, and tax planning strategies. We can help business owners navigate complex financial regulations and provide advice on financial issues that may arise during the life cycle of the business. By working with us, business owners can make informed decisions and better position their business for long-term success.
Working Professionals
Understanding your goals is an important part of our relationship. We provide valuable guidance to working professionals in developing a comprehensive financial plan to achieve your short - and long-term goals. As a team we offer advice on topics such as budgeting, debt management, retirement planning, investment strategies, and tax planning strategies. We help you navigate major life changes such as starting a family, buying a home, or changing careers. Our goal is to help you make informed decisions and take control of your financial future.
Families
Helping families navigate complex financial decisions and develop a plan to achieve their financial goals is something we pride ourselves on. We will provide guidance on topics such as debt management, retirement planning, investment strategies, tax planning, and estate planning strategies. Our team helps families navigate major life events such as marriage, divorce, and the birth or adoption of children. By working with us families can make informed decisions and better position themselves for long-term financial stability and success.
Institutions
We provide valuable experience to institutions such as corporations, non-profit organizations, and government agencies. Offering advice on topics such as investment management, risk management, financial reporting, and employee benefits. We will help you navigate complex financial regulations and provide guidance on major financial decisions such as mergers and acquisitions, initial public offerings, and debt offerings.
Client Resources
Here at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We are firm believers of giving our clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. Morgan Stanley seeks to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future, and why. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
Thoughts on the Market
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 here
Global Investment Committee on the Markets
A monthly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out this month's edition below.
Read: "GIC on the Markets"
Tax Management
The tax decisions you make today can help you save for years to come. There are many tax smart strategies for your financial plan.
Tax Efficient Planning
Trust & Estate Planning
With you every step of the way. We analyze your tax and estate structures so that their tax characteristics are accurately incorporated in the asset allocation analysis performed for the you.
Estate Planning OverviewTax season is approaching!
As we approach tax season, we wanted to provide some resources you may find helpful.
Tax Management Services
Taxes can make a big difference over the long run in helping meet financial goals – so you need a tax-smart edge. Learn how Morgan Stanley Tax Management Services can help efficiently manage your capital gains with a complimentary and fully personalized experience.
Learn More HereConsider Tax-Loss Harvesting
What is tax-loss harvesting, and how do some investors use it to opportunistically reduce their tax bills? Check out the link to learn more.
Read HereUnderstanding Tax Alpha
It is important to understand how taxes can affect after-tax results on a basic level. It is widely understood that the realization of gains and payment of taxes will ultimately have an impact on the ending value of the investment portfolio, but by how much? Learn more by reading below.
Learn More HereTax Efficient Investing
The tax decisions you make today can help you save for years to come. Consider these smart tax strategies for your financial plan.
Learn MoreLocation
515 West Hamilton St,
7th Fl
Allentown, PA 18101
US
Direct:
(610) 391-6317(610) 391-6317
Toll-Free:
(800) 433-4200(800) 433-4200
Meet The Cichocki Group
Caroline Kline, CRPC®
Financial Advisor
Phone:
(610) 391-6365(610) 391-6365
Phone:
(610) 391-6324(610) 391-6324
Candice Gray
Registered Associate
Phone:
(610) 391-6335(610) 391-6335
Katrina Noldy
Registered Associate
Phone:
(610) 391-6336(610) 391-6336
About Thomas R Cichocki
Tom brings more than 29 years of financial experience to every client he serves. He began his career as a loan auditor with a local bank but soon realized that his passion lay with helping people reach their most cherished objectives. As a Certified Financial Planner (CFP®), Tom provides clients with a comprehensive approach to their finances that includes their investments but goes far beyond to encompass other dimensions of their financial lives. He devises strategies to help clients retire as anticipated, use debt intelligently, and leave a meaningful legacy to loved ones.
Tom earned a degree in Finance from the undergraduate division of The Wharton School of the University of Pennsylvania. Tom is an active member of the community in which he has lived for most of his life. He coached various levels of youth sports for the past 20 years. He served on the Board of Directors for nine years including two terms as President of Forum for Ethics in the Workplace, an organization with a mission of providing opportunities for people with diverse opinions to engage in meaningful dialogue.
Tom and his wife, Gayle, support a variety of charities and Universities in the community. They have three adult children, Megan, Brooke and Eric.
Tom earned a degree in Finance from the undergraduate division of The Wharton School of the University of Pennsylvania. Tom is an active member of the community in which he has lived for most of his life. He coached various levels of youth sports for the past 20 years. He served on the Board of Directors for nine years including two terms as President of Forum for Ethics in the Workplace, an organization with a mission of providing opportunities for people with diverse opinions to engage in meaningful dialogue.
Tom and his wife, Gayle, support a variety of charities and Universities in the community. They have three adult children, Megan, Brooke and Eric.
Securities Agent: VT, WV, WA, AK, AL, AZ, CA, CO, CT, DC, DE, FL, GA, ID, IL, IN, KS, LA, MA, MD, ME, MI, MN, NC, ND, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, TN, TX, UT, VA; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1255583
NMLS#: 1255583
About Caroline Kline
Caroline joined Morgan Stanley in 2011. Working with the Cichocki Group, Caroline has assisted pre-retirees, business owners, professionals, high net worth individuals and institutions in achieving investment goals. She helps prepare and manage their retirement expectations by using planning and asset allocation.
Caroline has 25 years’ experience in the financial industry. She began her career with National Central Bank, which is now Wells Fargo. She worked through the ranks from teller, customer service representative to licensed senior financial specialist/private banker. She worked with both retail and business clients, helping them make well informed decisions regarding their everyday banking, lending, investment and retirement needs. Caroline continues to place an emphasis on providing personalized services, striving to develop and nurture relationships by understanding clients’ needs, wants and dreams.
Caroline graduated from Holy Name High School and attended Penn State University. Her investment and advisory registrations include FINRA Series 7, 63 and 66 licenses. Caroline earned her Chartered Retirement Planning Counselor designation in 2013.
Caroline resides in Sinking Spring, PA with her husband David. They have two children and two grandchildren.
Caroline has 25 years’ experience in the financial industry. She began her career with National Central Bank, which is now Wells Fargo. She worked through the ranks from teller, customer service representative to licensed senior financial specialist/private banker. She worked with both retail and business clients, helping them make well informed decisions regarding their everyday banking, lending, investment and retirement needs. Caroline continues to place an emphasis on providing personalized services, striving to develop and nurture relationships by understanding clients’ needs, wants and dreams.
Caroline graduated from Holy Name High School and attended Penn State University. Her investment and advisory registrations include FINRA Series 7, 63 and 66 licenses. Caroline earned her Chartered Retirement Planning Counselor designation in 2013.
Caroline resides in Sinking Spring, PA with her husband David. They have two children and two grandchildren.
Securities Agent: AR, TN, WV, PA, SC, OH, VT, UT, TX, WI, NE, PR, RI, WA, NC, VA, WY, KS, OK, NH, NJ, IA, ND, NV, LA, MS, MD, OR, MI, MN, SD, KY, IN, ID, MT, NY, AK, AL, GA, DE, CA, CO, CT, DC, MA, IL, AZ, ME, HI, MO, FL, NM; General Securities Representative; Investment Advisor Representative
NMLS#: 742651
NMLS#: 742651
About Andrew Guman
Andrew joined the Cichocki Group at Morgan Stanley in 2021 after he moved back home to Allentown, PA with his wife and five young children.
He spent the last fifteen years working on Wall Street with Merrill Lynch and UBS as an Institutional Equity Salesperson in both Chicago and New York. He most recently led the UBS Chicago Sales team, where he covered some of the largest and most sophisticated hedge funds and asset managers in the region.
Andrew felt his move to Allentown was a great opportunity to transition to Financial Advising as it enables him to leverage his knowledge of the financial markets, his experience in client service and ultimately fulfill his desire to help people in a more personal way. He enjoys building relationships with clients and taking on the challenge to help them achieve their financial goals.
Andrew graduated from Penn State University in 2005 with a degree in Finance and earned his Chartered Financial Analyst (CFA) designation in 2008. He played football at Penn State and with the Detroit Lions in the NFL. He is a member of the Parish Council at St. Thomas More Church and a coach for his children’s sports teams.
He spent the last fifteen years working on Wall Street with Merrill Lynch and UBS as an Institutional Equity Salesperson in both Chicago and New York. He most recently led the UBS Chicago Sales team, where he covered some of the largest and most sophisticated hedge funds and asset managers in the region.
Andrew felt his move to Allentown was a great opportunity to transition to Financial Advising as it enables him to leverage his knowledge of the financial markets, his experience in client service and ultimately fulfill his desire to help people in a more personal way. He enjoys building relationships with clients and taking on the challenge to help them achieve their financial goals.
Andrew graduated from Penn State University in 2005 with a degree in Finance and earned his Chartered Financial Analyst (CFA) designation in 2008. He played football at Penn State and with the Detroit Lions in the NFL. He is a member of the Parish Council at St. Thomas More Church and a coach for his children’s sports teams.
Securities Agent: GA, IN, LA, MA, MD, ME, MN, MS, MT, NC, ND, NE, NJ, NM, NV, NY, OH, PA, PR, RI, SC, SD, TN, TX, UT, VA, WA, WI, WV, IL, AK, AL, ID, MI, NH, OR, VT, AR, AZ, CA, CO, CT, DE, FL; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 2228407
NMLS#: 2228407
About Candice Gray
Candy has worked for Morgan Stanley and its predecessors for almost 29 years as a Senior Registered Associate. She previously had a long career in Banking as a Branch Manager.
Candy is a lifelong native of the Lehigh Valley. She graduated from Moravian College in Bethlehem PA. She has a grown son and daughter and three grandsons.
Candy is a lifelong native of the Lehigh Valley. She graduated from Moravian College in Bethlehem PA. She has a grown son and daughter and three grandsons.
About Katrina Noldy
Katrina joined The Cichocki Group in September 2019. She graduated from Cabrini University with a Bachelor of Arts in 2016. Before beginning her career at Morgan Stanley, Katrina worked in various customer service-related industries. This prior experience sparked Katrina’s passion for helping clients. Katrina is the first point of contact on our team. Client’s can expect her to answer the phone promptly and address any administrative related needs as efficiently as possible. Katrina aims to provide exceptional service to all our clients. Katrina holds her Series 7 & 66 licenses. When Katrina is not at work, she spends her free time running or reading a new book.
Contact Thomas Cichocki
Contact Caroline Kline
Contact Andrew Guman
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
Tony Gist
Private Banker
About Tony Gist
Tony Gist is a Private Banker and Vice President serving Morgan Stanley Wealth Management offices in Pennsylvania.
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.
Tony began his career in financial services in 2011 and joined Morgan Stanley in 2021. Prior to joining the firm, he held various roles within the Retail Bank industry including Licensed Banker and Branch Manager.
Tony is a graduate of Fairmont State University, where he received a Bachelor of Science with a concentration in Criminal Justice, while also playing football for the Fairmont State Fighting Falcons. He and his family currently reside in York, Pennsylvania.
Outside of the office, he spends time with family whenever possible. He enjoys playing golf, skiing, fishing, watching sports, especially football, and listening to talented musicians across various genres.
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.
Tony began his career in financial services in 2011 and joined Morgan Stanley in 2021. Prior to joining the firm, he held various roles within the Retail Bank industry including Licensed Banker and Branch Manager.
Tony is a graduate of Fairmont State University, where he received a Bachelor of Science with a concentration in Criminal Justice, while also playing football for the Fairmont State Fighting Falcons. He and his family currently reside in York, Pennsylvania.
Outside of the office, he spends time with family whenever possible. He enjoys playing golf, skiing, fishing, watching sports, especially football, and listening to talented musicians across various genres.
NMLS#: 786299
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
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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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 Cichocki Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley’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.
4Morgan 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.
5Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley’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.
4Morgan 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.
5Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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:
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)
