Joshi L. Clare, CFP®
Senior Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist
Phone:
(912) 692-4639(912) 692-4639
The Clearview Legacy Group at Morgan Stanley
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals.
The Clearview Legacy Group at Morgan Stanley
Comprehensive wealth management takes a diverse set of skills that go well beyond general financial planning and investment management. It takes a team of experienced professionals who have acquired the insights, wisdom and experience needed to tackle your family’s personal financial challenges.
The Clearview Legacy Group at Morgan Stanley is a seasoned advisory team who knows what it takes to help achieve results. With a deep history of client loyalty and enduring relationships, the team focuses on what is most important to you. They provide the skills, sophisticated strategies and disciplined process needed to help you make informed, confident decisions about your future, your family and your finances with clarity and confidence.
The Clearview Legacy Group uses their astute problem-solving skills coupled with an impassioned willingness to roll up their sleeves and identify forward-thinking strategies that can help meet and exceed your particular objectives. The team believes the more complex your situation, the more valuable they are to you, and the more rewarding your overall experience can potentially be.
The Clearview Legacy Group combines the world-class resources of a premium global firm - Morgan Stanley - with the intimate relationship you expect from a boutique. The team includes two Certified Financial Planners™, a Senior Portfolio Manager, a Portfolio Manager and a Financial Planning Specialist. These advanced credentials truly set the team apart and help offer innovative thinking based on some of the best practices in the industry.
The team is proud of the services and solutions they offer clients and welcome the opportunity to deliver the same level of excellence to you and your family.
The Clearview Legacy Group at Morgan Stanley is a seasoned advisory team who knows what it takes to help achieve results. With a deep history of client loyalty and enduring relationships, the team focuses on what is most important to you. They provide the skills, sophisticated strategies and disciplined process needed to help you make informed, confident decisions about your future, your family and your finances with clarity and confidence.
The Clearview Legacy Group uses their astute problem-solving skills coupled with an impassioned willingness to roll up their sleeves and identify forward-thinking strategies that can help meet and exceed your particular objectives. The team believes the more complex your situation, the more valuable they are to you, and the more rewarding your overall experience can potentially be.
The Clearview Legacy Group combines the world-class resources of a premium global firm - Morgan Stanley - with the intimate relationship you expect from a boutique. The team includes two Certified Financial Planners™, a Senior Portfolio Manager, a Portfolio Manager and a Financial Planning Specialist. These advanced credentials truly set the team apart and help offer innovative thinking based on some of the best practices in the industry.
The team is proud of the services and solutions they offer clients and welcome the opportunity to deliver the same level of excellence to you and your family.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Services Professional
Patsy Mallard
Phone: (912) 692-4616
Email: Patsy.Mallard@morganstanley.com
Email: Patsy.Mallard@morganstanley.com
Helpful Tools
The Clearview Legacy Group’s investment strategy leverages modern wealth tools and cutting-edge technology. By providing clients with customized wealth management solutions, enables clients to be one step closer to achieving their life goals. The team has assembled the following Morgan Stanley financial tools and platforms that support their unique wealth management philosophy and investment strategies.
Morgan Stanley Online
Morgan Stanley Online digital capabilities and the Morgan Stanley Mobile App provide clients with access to their account information, enriched reporting tools, several cash management solutions and robust market research. The Morgan Stanley Mobile App provides clients with access to their accounts in just a few taps.
Morgan Stanley Online
Asset Aggregation
The ability to view all of your assets together provides the opportunity to offer advice on your Morgan Stanley accounts with your entire financial picture in mind. This new tool allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
Total Wealth View
Goals Planning System
A holistic Goals Planning System (GPS) approach to Wealth Management can help tailor an investment framework that considers key aspects of a client's life, such as retirement age, healthcare costs, home buying, cash management, legacy needs and potential withdrawal strategies. Using goals as a benchmark, the investment strategy is continuously evaluated to ensure clients are on track. As circumstances and goals change, Financial Advisors can help adjust priorities and introduce additional solutions.
GPS Video
Digital Vault
Keeping important documents and financial records organized and readily available is one the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows clients to build a central, shared document library where all documents are stored using encryption.
Media and Research
Morgan Stanley seeks to make complex financial ideas more digestible so that clients understand what is being done on their behalf to plan for their financial future and why. The links below provide in-depth analysis on interesting topics that are affecting the worlds of business and finance not only now, but in the future.
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.
Thoughts On The Market Podcast
Morgan Stanley Ideas Podcast
From the use of satellite data technology to solve some of the world's most complex problems, to learning how not to follow the crowd when making decisions, The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond. Click the link below for more information and to access a library of interesting content.
Morgan Stanley Ideas Podcast
On The Markets Research Reports
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
On The Markets Research Report
Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
GIC Weekly Research ReportLocation
7402 Hodgson Memorial Dr
Ste 100
Savannah, GA 31406
US
Fax:
(470) 558-3529(470) 558-3529
Meet The Clearview Legacy Group
Jim Pember, CFP®
Senior Vice President, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Senior Portfolio Manager
Phone:
(912) 692-4643(912) 692-4643
Lloyd Childs
Financial Advisor, Financial Planning Specialist
Phone:
(912) 692-4644(912) 692-4644
Patsy Mallard
Senior Registered Associate, Financial Planning Associate
Phone:
(912) 692-4616(912) 692-4616
Tara Dorai
Senior Registered Associate
Phone:
(912) 692-4615(912) 692-4615
About Joshi L. Clare
Joshi L. Clare
Joshi Clare is a Senior Vice President and Financial Advisor with The Clearview Legacy Group at Morgan Stanley, based in Savannah, GA. Joshi works with clients in the coastal area as well as business owners, families and individuals around the country. She has over 26 years of experience and has been with Morgan Stanley for the entirety of her career in the Financial Services industry, specializing in Wealth Management since 1994. She also holds the Certified Financial Planner™, Portfolio Manager and the Financial Planning Specialist designations.
Joshi started at Smith Barney (a predecessor of the modern day Morgan Stanley) as her first career after graduating from Lewis and Clark College in Portland, Oregon in 1993. She started as a Registered Sales Associate as she began her tenure with the firm. Although she enjoyed the service/operations side of the Financial Advisory business, she felt transitioning into an advisory role would allow her to make a greater impact with clients. Joshi transitioned roles and became a producing Financial Advisor in 1997.
Joshi specifically focuses on helping her clients develop integrated wealth management strategies by providing comprehensive solutions covering wealth accumulation, preservation of capital, wealth transfer and legacy planning.
As your Financial Advisor, Joshi can help you define and strive to meet your goals by delivering a vast array of resources and knowledge. Working together, she can help you to grow and preserve your wealth for future generations to come. You will have access to some of the world’s most veteran and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Joshi lives with her husband and two children in Savannah, GA. Family, travel and work/life balance are very dear to Joshi. She keeps active with her young, busy children. She is a past Rotarian, Paul Harris Fellow and past member of the YMCA board as well as past sustaining member of the Georgia Historical Society. She is a current member of the Blessed Sacrament Church, enduring donor of the Sua Sponte Association, member of the Lewis & Clark Fir Acres Society and a leadership level donor at Benedictine Military Academy. Joshi enjoys yoga, running and various outdoor activities. Joshi is a native Oregonian who was born in Portland, OR and raised in Corvallis, OR. She transferred to the Savannah Robinson Humphry/Smith Barney branch in 1995 with her husband who was stationed at Hunter Army Air Base as an Army Ranger.
Joshi Clare is a Senior Vice President and Financial Advisor with The Clearview Legacy Group at Morgan Stanley, based in Savannah, GA. Joshi works with clients in the coastal area as well as business owners, families and individuals around the country. She has over 26 years of experience and has been with Morgan Stanley for the entirety of her career in the Financial Services industry, specializing in Wealth Management since 1994. She also holds the Certified Financial Planner™, Portfolio Manager and the Financial Planning Specialist designations.
Joshi started at Smith Barney (a predecessor of the modern day Morgan Stanley) as her first career after graduating from Lewis and Clark College in Portland, Oregon in 1993. She started as a Registered Sales Associate as she began her tenure with the firm. Although she enjoyed the service/operations side of the Financial Advisory business, she felt transitioning into an advisory role would allow her to make a greater impact with clients. Joshi transitioned roles and became a producing Financial Advisor in 1997.
Joshi specifically focuses on helping her clients develop integrated wealth management strategies by providing comprehensive solutions covering wealth accumulation, preservation of capital, wealth transfer and legacy planning.
As your Financial Advisor, Joshi can help you define and strive to meet your goals by delivering a vast array of resources and knowledge. Working together, she can help you to grow and preserve your wealth for future generations to come. You will have access to some of the world’s most veteran and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Joshi lives with her husband and two children in Savannah, GA. Family, travel and work/life balance are very dear to Joshi. She keeps active with her young, busy children. She is a past Rotarian, Paul Harris Fellow and past member of the YMCA board as well as past sustaining member of the Georgia Historical Society. She is a current member of the Blessed Sacrament Church, enduring donor of the Sua Sponte Association, member of the Lewis & Clark Fir Acres Society and a leadership level donor at Benedictine Military Academy. Joshi enjoys yoga, running and various outdoor activities. Joshi is a native Oregonian who was born in Portland, OR and raised in Corvallis, OR. She transferred to the Savannah Robinson Humphry/Smith Barney branch in 1995 with her husband who was stationed at Hunter Army Air Base as an Army Ranger.
Securities Agent: NV, CO, VT, TX, OR, NC, MO, NJ, AK, SC, TN, PA, ME, MA, IL, FL, WA, CT, CA, AR, WI, RI, MN, MD, MI, KY, WV, OH, NY, IN, VA, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 1312642
NMLS#: 1312642
About Jim Pember
Jim Pember
Jim Pember is a Senior Vice President, Senior Portfolio Manager and Financial Advisor with The Clearview Legacy Group at Morgan Stanley based in Savannah, GA. He has over 30 years of experience in the Financial Services industry, and has been with the firm since 2011. He also holds the Certified Financial Planner™ designation. He is a graduate of the University of Kentucky with a Bachelor’s degree in Business Administration.
Jim values the relationships he has with his clients and is grateful for their confidence and trust. He focuses on multi-generational planning and investment management for families, helping them articulate and define their goals and objectives. He collaborates with his clients to develop strategies designed for their unique situations, utilizing financial planning as the basis for the strategy. He helps guide his clients through turbulent markets and provides solutions for their needs, drawing upon the skills and knowledge derived from his years of experience. He is readily accessible to his clients, explains market conditions and presents comprehensive strategies in a straightforward manner.
Receiving two shares of stock at a young age was a great influence on Jim’s career. He learned about the markets and the power of compounding at a young age, which was vital to achieving his own unique goals. Realizing the value of goal setting and patience, he learned to measure success in many ways that grew in importance over the years. He listens to his clients goals, dreams and aspirations to begin the financial planning process. He and his team consult regularly with their clients to monitor their success and help them stay the course to attain their unique objectives.
Jim and his wife love spending time with their three adult children and their two grandchildren. He enjoys spending time with family and friends, boating, exercising, golf and traveling. He is active in his local church, where he serves as a member of the Endowment Committee and is a long-time supporter of the Cystic Fibrosis Foundation.
Jim Pember is a Senior Vice President, Senior Portfolio Manager and Financial Advisor with The Clearview Legacy Group at Morgan Stanley based in Savannah, GA. He has over 30 years of experience in the Financial Services industry, and has been with the firm since 2011. He also holds the Certified Financial Planner™ designation. He is a graduate of the University of Kentucky with a Bachelor’s degree in Business Administration.
Jim values the relationships he has with his clients and is grateful for their confidence and trust. He focuses on multi-generational planning and investment management for families, helping them articulate and define their goals and objectives. He collaborates with his clients to develop strategies designed for their unique situations, utilizing financial planning as the basis for the strategy. He helps guide his clients through turbulent markets and provides solutions for their needs, drawing upon the skills and knowledge derived from his years of experience. He is readily accessible to his clients, explains market conditions and presents comprehensive strategies in a straightforward manner.
Receiving two shares of stock at a young age was a great influence on Jim’s career. He learned about the markets and the power of compounding at a young age, which was vital to achieving his own unique goals. Realizing the value of goal setting and patience, he learned to measure success in many ways that grew in importance over the years. He listens to his clients goals, dreams and aspirations to begin the financial planning process. He and his team consult regularly with their clients to monitor their success and help them stay the course to attain their unique objectives.
Jim and his wife love spending time with their three adult children and their two grandchildren. He enjoys spending time with family and friends, boating, exercising, golf and traveling. He is active in his local church, where he serves as a member of the Endowment Committee and is a long-time supporter of the Cystic Fibrosis Foundation.
Securities Agent: MI, AK, VT, SC, RI, OR, NJ, CA, VA, TN, OH, NY, GA, FL, MD, TX, WI, PA, MA, IN, WA, ME, AR, NV, MO, IL, CT, CO, NC, MN, KY; General Securities Representative; Investment Advisor Representative
NMLS#: 544918
NMLS#: 544918
About Lloyd Childs
Lloyd Childs is a Financial Advisor with the Clearview Legacy Group at Morgan Stanley based in Savannah, Georgia. Lloyd joined Morgan Stanley in 2020 as part of the firm’s Financial Advisor Associate Program.
Lloyd graduated from the University of Georgia with a Bachelor’s degree in Early Childhood Education. She spent the first 8 years of her career in early childhood education and is passionate about teaching others. Through her role as a financial advisor, she is able to utilize her past teaching experiences to build solid relationships through trust and compassion and create a safe and nurturing environment in which her clients can learn and gain a strong understanding of their investment strategy.
Lloyd focuses on working with families doing multigenerational planning to guide clients through financial life changes such as new family additions, the purchase of a new home, educational preparation and retirement planning. Further, collaboration is at the cornerstone of her philosophy. Clients can not only benefit from working with Lloyd, but they also gain additional perspectives and knowledge from the Financial Advisors and Associates on the Clearview Legacy Group team and the powerhouse of Morgan Stanley. You will have access to some of the world’s most veteran and respected investment professionals, a premier trading and execution platform, and a full spectrum of investment choices.
Outside of work, Lloyd is married to her husband, Stuart. They have two children, Huntsman and Layden, who are the light of their world. They live near Lloyd’s parents in the Greater Savannah Metro Area. Lloyd loves spending her free time with family and friends, boating, exercising, and attending sporting events. She’s an avid Bulldogs fan and a supporter of the Cystic Fibrosis Foundation. Lloyd is a member of the Landings Club and is actively in involved in her residential community.
Lloyd graduated from the University of Georgia with a Bachelor’s degree in Early Childhood Education. She spent the first 8 years of her career in early childhood education and is passionate about teaching others. Through her role as a financial advisor, she is able to utilize her past teaching experiences to build solid relationships through trust and compassion and create a safe and nurturing environment in which her clients can learn and gain a strong understanding of their investment strategy.
Lloyd focuses on working with families doing multigenerational planning to guide clients through financial life changes such as new family additions, the purchase of a new home, educational preparation and retirement planning. Further, collaboration is at the cornerstone of her philosophy. Clients can not only benefit from working with Lloyd, but they also gain additional perspectives and knowledge from the Financial Advisors and Associates on the Clearview Legacy Group team and the powerhouse of Morgan Stanley. You will have access to some of the world’s most veteran and respected investment professionals, a premier trading and execution platform, and a full spectrum of investment choices.
Outside of work, Lloyd is married to her husband, Stuart. They have two children, Huntsman and Layden, who are the light of their world. They live near Lloyd’s parents in the Greater Savannah Metro Area. Lloyd loves spending her free time with family and friends, boating, exercising, and attending sporting events. She’s an avid Bulldogs fan and a supporter of the Cystic Fibrosis Foundation. Lloyd is a member of the Landings Club and is actively in involved in her residential community.
Securities Agent: CT, MD, OH, NJ, AR, VT, NY, NV, NC, MI, GA, CA, VA, TN, FL, MA, IN, RI, ME, KY, TX, IL, AK, MN, CO, WI, WA, SC, PA, OR, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 2087651
NMLS#: 2087651
Contact Joshi L. Clare
Contact Jim Pember
Contact Lloyd Childs
Wealth Management
Global Investment Office
Portfolio Insights
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
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
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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Ready to start a conversation? Contact The Clearview Legacy 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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
4When 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.
5Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
8Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance 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 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
4When 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.
5Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
8Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Insurance 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)
