Jason Viviani, CRPC®
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(631) 755-1675(631) 755-1675
The Coastal Point Group at Morgan Stanley
Direct:
(631) 755-8863(631) 755-8863
Toll-Free:
(800) 477-7522(800) 477-7522
Our Mission Statement
Financial Complexity, Simplified.
Our Story
The Viviani Group at Morgan Stanley is a comprehensive wealth management practice headquartered in Melville, Long Island. Our members form an experienced team of financial professionals with extensive knowledge across a wide range of asset classes and disciplines. Our commitment is to help clients with every aspect of their financial needs, including portfolio management, retirement planning, estate and tax planning strategies, wealth transfer, and access to cash management and lending services. As a client of the Viviani Group you benefit from the attention and personalized care of a small boutique along with the strength and resources of an industry leader.
The Viviani Group is focused on providing a highly personalized client experience for affluent individuals and families, especially those with unique financial needs. We believe the current environment requires taking a straightforward approach to managing your portfolio. We take great pride in clearly explaining every aspect of our process and hold transparency and liquidity as key tenets of our investing philosophy. Where change is constant, experience is invaluable. Utilizing our combined experience, we perform our own due diligence while also leveraging the resources of one of the world’s premier global wealth management firms, Morgan Stanley.
Joseph Viviani, our founding partner has over 35 years of professional investing experience, navigating numerous market cycles and economic environments. This experience, combined with the global investment research capabilities of Morgan Stanley, enables us to craft custom tailored strategies designed for long-term wealth preservation and prudent growth.
We embrace our clients as members of the family rather than considering them customers and would love the opportunity to get to know you.
The Viviani Group is focused on providing a highly personalized client experience for affluent individuals and families, especially those with unique financial needs. We believe the current environment requires taking a straightforward approach to managing your portfolio. We take great pride in clearly explaining every aspect of our process and hold transparency and liquidity as key tenets of our investing philosophy. Where change is constant, experience is invaluable. Utilizing our combined experience, we perform our own due diligence while also leveraging the resources of one of the world’s premier global wealth management firms, Morgan Stanley.
Joseph Viviani, our founding partner has over 35 years of professional investing experience, navigating numerous market cycles and economic environments. This experience, combined with the global investment research capabilities of Morgan Stanley, enables us to craft custom tailored strategies designed for long-term wealth preservation and prudent growth.
We embrace our clients as members of the family rather than considering them customers and would love the opportunity to get to know you.
Services Include
- 401(k) Rollovers
- 529 PlansFootnote1
- Alternative InvestmentsFootnote2
- AnnuitiesFootnote3
- Asset Management
- Business Succession PlanningFootnote4
- Cash ManagementFootnote5
- Certificates of DepositFootnote6
- Endowments and FoundationsFootnote7
- Estate Planning StrategiesFootnote8
- Financial PlanningFootnote9
- Fixed IncomeFootnote10
- Lending Products
- Life InsuranceFootnote11
- Long Term Care InsuranceFootnote12
- Philanthropic Services
- Planning for Education FundingFootnote13
- Qualified Retirement PlansFootnote14
- Retirement PlanningFootnote15
- Trust AccountsFootnote16
- Wealth Consulting
- Wealth ManagementFootnote17
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Advisory Services in a Snapshot
As advisors, we want to be the people who guide you through the often tumultuous ocean of managing your wealth. Take a look below to review a snapshot of some of our key services and determine if we are the right for you.
Financial and Retirement Planning
Having a plan in place in regards to retirement and your finances is important. We use thorough analysis, strategic asset allocation, and our deep knowledge and experience to create a portfolio and plan that is suited to your needs and goals.
Professional Portfolio Management
Portfolios that are built for our clients' short and long term goals.
Trust Accounts
Do you have a strategy in place to take care of your children's need for the future? We work with you to understand exactly the stage in life you and your children are in, and how to best build trust accounts around that.
Lending Products
In need of a loan for a small business, buying a home, or some other financial need? We can provide access to lending products to help you achieve your financial goals.
The Modern Way of Doing Wealth Management
The Coastal Point Group offers a wide range of digital and online tools that are designed to enhance your modern wealth management experience. To learn more, visit the links below.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
MSO Login >Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More and Enroll >Online Security
The security of your assets and personal information is extremely important. Learn about our security measures and use our resources and ideas to help protect yourself online.
Our Security Resources >Goals Planning System (GPS)
Our Goals Planning System is built on Morgan Stanley's intellectual capital and capabilities, to provide you with comprehensive investing and planning solutions for your individual goals. Contact us to begin your plan today.
Learn more about GPS >eServices
Send/receive wire transfers, review your monthly statements and safely store your important documents with our suite of eServices. With eDelivery, eAuthorization, eSign and our Digital Vault you can avoid the hassle of paper and monitor your accounts from your MSO account and the MSO mobile app.
Enroll >Location
58 South Service Rd
Ste 400
Melville, NY 11747
US
Direct:
(631) 755-8863(631) 755-8863
Toll-Free:
(800) 477-7522(800) 477-7522
Meet The Coastal Point Group
Joseph Viviani, CFP®, CRPC®
Senior Vice President, Wealth Advisor
Phone:
(305) 936-2708(305) 936-2708
Robert Papaleo, CRPC®
Senior Vice President, Financial Advisor, Portfolio Management Director
Phone:
(631) 755-1627(631) 755-1627
John McCleery, CFP®, CRPC®
Vice President, Financial Advisor, Senior Portfolio Manager
Phone:
(631) 755-1632(631) 755-1632
Marissa E. Dabbraccio
Senior Registered Associate
Phone:
(631) 755-8863(631) 755-8863
Kathleen Flynn
Portfolio Associate
Phone:
(631) 755-1624(631) 755-1624
Dianne Silva-Assey
Portfolio Associate, Senior Registered Client Services Associate
Phone:
(631) 755-8801(631) 755-8801
About Jason Viviani
Jason joined Morgan Stanley in 2016 after spending more than 5 years with an alternative investments firm where he led a team of specialists engaged in assisting portfolio managers, financial advisors, and high-net-worth individuals with the construction of all-weather portfolios. Jason received a BBA in Finance and Consulting & Venture Management from Emory University’s Goizueta Business School where he also studied Philosophy and Music. Jason holds his Series 7, 63 and 66 licenses along with The Chartered Retirement Planning Counselor (CRPC) designation issued by the College of Financial Planning. He was formerly a nationally ranked tennis player, enjoys playing golf and is an avid music fan. Jason currently resides in New York City.
Securities Agent: TN, DE, TX, PA, NJ, IN, RI, CT, FL, NH, NC, OR, DC, MN, CO, CA, VA, MO, AZ, WY, WA, VT, NY, MT, GA, UT, SC, OH, MA; General Securities Representative; Investment Advisor Representative
NMLS#: 1537267
NMLS#: 1537267
About Joseph Viviani
Joseph joined Morgan Stanley in 2011 after spending 31 years successfully serving clients as a Senior Vice President in Merrill Lynch’s Private Client Group. Having begun his formal education as an Engineer at SUNY Stony Brook, Joseph graduated with a BS in Business Management and Economics from SUNY Empire State College. To meet the detailed planning needs of his client base, Joseph earned the Certified Financial Planner™ designation (CFP®) in 1991 and Chartered Retirement Planning CounselorSM designation (CRPC®) in 2004. Joseph has had the pleasure of bringing many clients through their complete planning process over the last 36 years, advising clients who were once young adults with young children, who are now retired with grandchildren. Joseph is an avid wine collector, car enthusiast and enjoys playing golf and tennis. He lives with his wife, Susan, in Hollywood, FL with a summer residence in Melville, NY.
Securities Agent: NY, NH, MT, MN, IN, TN, SC, RI, OH, WY, AZ, MA, FL, DC, PA, GA, CT, VA, DE, CO, WA, UT, OR, NJ, TX, NC, MO, CA, VT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1279449
NMLS#: 1279449
About Robert Papaleo
Robert T. Papaleo, CRPC®
Senior Vice President
Senior Portfolio Manager
Financial Advisor
Robert T. Papaleo, CRPC® has provided his clients with comprehensive wealth management advice and services since 1985. As a Senior Portfolio Manager, Bob creates and manages many of the team’s custom portfolio strategies with the goal of achieving each client’s risk-adjusted performance targets. His clientele includes individuals, families and institutional investors focusing on wealth management, managed money, estate planning, retirement and education planning.
Bob is also a Chartered Retirement Planning CounselorSM. The CRPC® designation is arguably the nation’s premier retirement planning credential. Individuals who hold the CRPC® designation have completed a course of study encompassing pre-and post-retirement needs, asset management, estate planning and the entire retirement planning process using models and techniques from real client situations.
Bob grew up on the south shore of Long Island in the town of Babylon, NY. He earned his bachelor’s degree in English literature from Dowling College in Oakdale, NY in 1984 and, after trying his hand at journalism, he was hired by Merrill Lynch in 1985. Bob teamed up with John McCleery in 2000 and they moved their practice to Morgan Stanley in 2016.
Outside of work, Bob stays busy with the activities of his three children: Alessandra, Lara and Prewitt. He is an avid reader and has a knack for creating beauty with his hands – be it a piece of woodworking, painting or a stained glass window. Bob loves to travel and discover new restaurants and experiences with friends.
Senior Vice President
Senior Portfolio Manager
Financial Advisor
Robert T. Papaleo, CRPC® has provided his clients with comprehensive wealth management advice and services since 1985. As a Senior Portfolio Manager, Bob creates and manages many of the team’s custom portfolio strategies with the goal of achieving each client’s risk-adjusted performance targets. His clientele includes individuals, families and institutional investors focusing on wealth management, managed money, estate planning, retirement and education planning.
Bob is also a Chartered Retirement Planning CounselorSM. The CRPC® designation is arguably the nation’s premier retirement planning credential. Individuals who hold the CRPC® designation have completed a course of study encompassing pre-and post-retirement needs, asset management, estate planning and the entire retirement planning process using models and techniques from real client situations.
Bob grew up on the south shore of Long Island in the town of Babylon, NY. He earned his bachelor’s degree in English literature from Dowling College in Oakdale, NY in 1984 and, after trying his hand at journalism, he was hired by Merrill Lynch in 1985. Bob teamed up with John McCleery in 2000 and they moved their practice to Morgan Stanley in 2016.
Outside of work, Bob stays busy with the activities of his three children: Alessandra, Lara and Prewitt. He is an avid reader and has a knack for creating beauty with his hands – be it a piece of woodworking, painting or a stained glass window. Bob loves to travel and discover new restaurants and experiences with friends.
Securities Agent: GA, CO, MO, HI, SC, OH, NC, TX, NJ, VT, NY, MI, DC, VA, CA, RI, NH, MA, MT, AZ, UT, PA, IN, MN, DE, WA, FL, CT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 579849
NMLS#: 579849
About John McCleery
John McCleery, CFP®
Vice President
Portfolio Manager
CERTIFIED FINANCIAL PLANNER ™
John McCleery, CFP® is one of the founding members of the Papaleo McCleery Group at Morgan Stanley, a financial advisory team providing comprehensive wealth management advice and services to individuals, families and institutions of substantial wealth. An effective communicator, John focuses on building long-term client relationships by providing advice and direction that comes not just from market experience and knowledge, but from actively listening to his clients. It is of utmost importance to him that his clients understand and are comfortable with the investments – and their inherent risks – that are made on their behalf.
As a Financial Advisor and Portfolio Manager, John helps manage assets for the team’s diverse clientele and identifies unique opportunities to match clients’ individual portfolios. A CERTIFIED FINANCIAL PLANNER ™ , John works with clients to help them navigate through the stages of moving to, through and beyond retirement. His advanced professional designations attest to his broad knowledge base and ability to coordinate efforts between his clients’ attorneys and CPAs.
John grew up in Norwich, Vermont and entered the financial services industry with Merrill Lynch after earning a bachelor’s degree in finance and marketing from the University of Vermont in 1990. He formed a business association with Bob Papaleo in 2000 and, in 2016, the Papaleo McCleery Group moved to Morgan Stanley.
John and his wife, Pamela live on Long Island with their two teenaged daughters, Isabel and Samantha. Outside of work John enjoys playing golf, cooking, running triathlons and going out to see live music.
Vice President
Portfolio Manager
CERTIFIED FINANCIAL PLANNER ™
John McCleery, CFP® is one of the founding members of the Papaleo McCleery Group at Morgan Stanley, a financial advisory team providing comprehensive wealth management advice and services to individuals, families and institutions of substantial wealth. An effective communicator, John focuses on building long-term client relationships by providing advice and direction that comes not just from market experience and knowledge, but from actively listening to his clients. It is of utmost importance to him that his clients understand and are comfortable with the investments – and their inherent risks – that are made on their behalf.
As a Financial Advisor and Portfolio Manager, John helps manage assets for the team’s diverse clientele and identifies unique opportunities to match clients’ individual portfolios. A CERTIFIED FINANCIAL PLANNER ™ , John works with clients to help them navigate through the stages of moving to, through and beyond retirement. His advanced professional designations attest to his broad knowledge base and ability to coordinate efforts between his clients’ attorneys and CPAs.
John grew up in Norwich, Vermont and entered the financial services industry with Merrill Lynch after earning a bachelor’s degree in finance and marketing from the University of Vermont in 1990. He formed a business association with Bob Papaleo in 2000 and, in 2016, the Papaleo McCleery Group moved to Morgan Stanley.
John and his wife, Pamela live on Long Island with their two teenaged daughters, Isabel and Samantha. Outside of work John enjoys playing golf, cooking, running triathlons and going out to see live music.
Securities Agent: IN, CA, MA, DC, WA, NY, NJ, MD, TX, MT, MN, CT, AZ, UT, RI, PA, CO, VT, VA, SC, NC, MO, FL, NH, HI, GA, OH, DE; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 579637
NMLS#: 579637
About Marissa E. Dabbraccio
Marissa Dabbraccio
Portfolio Associate
Senior Registered Associate
Marissa provides a broad range of support services to the team's Financial Advisors and clients. She consistently delivers professional, prompt and first class service, creating an outstanding overall client experience. Marissa is often the first point of contact when a client reaches out to the team with an administrative or operational question and she prides herself on helping resolve issues in a quick and timely manner. Marissa enjoys the daily interactions with the team's clients and the opportunities to solve logistical problems and help their clients meet their goals.
Marissa grew up in Amityville, NY and attended Quinnipiac University on a lacrosse scholarship. After graduating from Hofstra University in 2003 with a bachelor's degree in business administration, she joined Merrill Lynch as a Client Service Associate. Marissa joined the Papaleo McCleery Group in 2007 and moved with them to Morgan Stanley in April, 2016.
Marissa lives in Seaford, NY, with her husband Nick, son Anthony and two dogs.
Portfolio Associate
Senior Registered Associate
Marissa provides a broad range of support services to the team's Financial Advisors and clients. She consistently delivers professional, prompt and first class service, creating an outstanding overall client experience. Marissa is often the first point of contact when a client reaches out to the team with an administrative or operational question and she prides herself on helping resolve issues in a quick and timely manner. Marissa enjoys the daily interactions with the team's clients and the opportunities to solve logistical problems and help their clients meet their goals.
Marissa grew up in Amityville, NY and attended Quinnipiac University on a lacrosse scholarship. After graduating from Hofstra University in 2003 with a bachelor's degree in business administration, she joined Merrill Lynch as a Client Service Associate. Marissa joined the Papaleo McCleery Group in 2007 and moved with them to Morgan Stanley in April, 2016.
Marissa lives in Seaford, NY, with her husband Nick, son Anthony and two dogs.
About Kathleen Flynn
Kathleen Flynn is a highly experienced professional at Morgan Stanley, bringing 36 years of dedicated service to the firm. For the first 15 years of her career, Kathleen was an integral part of the retirement planning department, building a strong foundation of knowledge that continues to benefit her clients today. She is deeply passionate about her work and committed to helping individuals achieve their financial goals. Outside of the office, Kathleen enjoys an active lifestyle, including walking and playing pickleball, and cherishes time with her two amazing sons.
About Dianne Silva-Assey
Dianne joined Morgan Stanley in 2011 after spending 35 years working with clients in Merrill Lynch's Private Client Group. She attended Westchester Community College where she majored in Human Services and holds her Series 7, 66 and 3 securities licenses as well as her Health, Life and Annuity License. Dianne handles much of the day to day support for the Viviani Group. She is committed to responding to your needs promptly, professionally and thoroughly. Dianne enjoys spending time with her family and grandchildren. She lives with her husband, Paul, in Massapequa, NY.
Contact Jason Viviani
Contact Joseph Viviani
Contact Robert Papaleo
Contact John McCleery
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
Shawn Alvarado
Private Banker
Angelo Loumbas
Family Office Resource Generalist
About Shawn Alvarado
Shawn Alvarado is a Private Banker serving Morgan Stanley Wealth Management offices in New York.
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.
Shawn began his career in financial services in 2003 and joined Morgan Stanley in 2020. Prior to joining the firm, he was a Citigold Private Client Relationship Manager at Citibank and a Wealth Management Banker at Merrill Lynch.
Shawn is a graduate of Montclair State University, where he received a Bachelor of Science in Finance. He lives in Salisbury, New York with his family. Outside of the office, Shawn enjoys golfing and coaching his kid’s baseball and football teams.
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.
Shawn began his career in financial services in 2003 and joined Morgan Stanley in 2020. Prior to joining the firm, he was a Citigold Private Client Relationship Manager at Citibank and a Wealth Management Banker at Merrill Lynch.
Shawn is a graduate of Montclair State University, where he received a Bachelor of Science in Finance. He lives in Salisbury, New York with his family. Outside of the office, Shawn enjoys golfing and coaching his kid’s baseball and football teams.
NMLS#: 642179
About Angelo Loumbas
Angelo is the Family Office Resources Generalist in the Northeast Region. Angelo provides in depth knowledge to ultra-high net worth (UHNW) clients and Financial Advisors across a broad range of family wealth and family office management matters. His area of focus includes family governance, wealth education,, strategic estate and financial planning, philanthropy management, lifestyle advisory, and customized asset allocation and portfolio construction. Angelo has over 25 years’ experience advising wealthy families, business owners, and philanthropic organizations.
Originally from Chicago and now residing in Westchester County, New York, , Angelo practiced law for 15 years and represented UHNW clients, closely held businesses, and major philanthropic organizations. He is admitted to the Society of Trust and Estate Practitioners and has been asked to speak over the years before tax, trust and estate committees of estate planning councils and other organizations. Angelo has also contributed thought leadership through Morgan Stanley’s Family Legacy and Governance Institute leadership series and authored an article for Barrons.com, “Should I Invest in My Kid’s Start-Up? Financial Advisors Can Help Clients Decide” (2023).
Angelo has been advising UHNW clients in the financial services industry for over 17 years, with 13 of those years at Morgan Stanley in Chicago and New York. He earned his J.D. from Indiana University at Bloomington, his M.B.A. from the University of Notre Dame, and B.A. from DePaul University. He also holds his Series 7, 66 and 24 licenses. In addition, Angelo served as President of the Rotary Club of Chicago (“ROTARY/One”), the world’s first Rotary club (2009-2010).
Originally from Chicago and now residing in Westchester County, New York, , Angelo practiced law for 15 years and represented UHNW clients, closely held businesses, and major philanthropic organizations. He is admitted to the Society of Trust and Estate Practitioners and has been asked to speak over the years before tax, trust and estate committees of estate planning councils and other organizations. Angelo has also contributed thought leadership through Morgan Stanley’s Family Legacy and Governance Institute leadership series and authored an article for Barrons.com, “Should I Invest in My Kid’s Start-Up? Financial Advisors Can Help Clients Decide” (2023).
Angelo has been advising UHNW clients in the financial services industry for over 17 years, with 13 of those years at Morgan Stanley in Chicago and New York. He earned his J.D. from Indiana University at Bloomington, his M.B.A. from the University of Notre Dame, and B.A. from DePaul University. He also holds his Series 7, 66 and 24 licenses. In addition, Angelo served as President of the Rotary Club of Chicago (“ROTARY/One”), the world’s first Rotary club (2009-2010).
Private Banking Group (PBG) Market Managers, Senior Private Bankers, Private Bankers, and Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Morgan Stanley, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Morgan Stanley, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Wealth Management
From Our Team
Making the Most of Your Retirement Savings
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
A Simple Six-Step Retirement Checkup
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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
Rational Investing in an Age of Uncertainty
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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
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact The Coastal Point Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Investors 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.
2Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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
6Investors 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Morgan 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.
9Morgan 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.
10Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13When 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.
14When 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.
15When 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.
16Morgan 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.
17Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
1Investors 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.
2Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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
6Investors 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8Morgan 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.
9Morgan 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.
10Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13When 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.
14When 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.
15When 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.
16Morgan 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.
17Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
CRC 4665150 (8/2025), 4763067 (9/2025)
