Senior Vice President, Financial Advisor, Senior Portfolio Manager, Alternative Investments Director, Workplace Advisor - Equity Compensation
Phone:
(954) 713-8480(954) 713-8480
The Coastal Vista Group at Morgan Stanley
Our Mission Statement
Our mission is to provide personalized strategies and comprehensive support, guiding you toward your financial goals with integrity, expertise, and a commitment to your long-term success.
Our Story
We focus on understanding our clients not only from a quantitative perspective but also qualitative. As a client with The Coastal Vista Group, we center on you, your family, your goals, and your financial aspirations. We use our industry experience along with our tailored process to help better identify, quantify, and solve your objectives. We then create and design customized strategies geared towards you and your goals.
Our team strives to provide you with the white glove service of a boutique investment firm while having the backing of Morgan Stanley's resources, technology, and trust for handling your wealth. Based in South Florida, we as a team function nationally with clients from all different parts of life including high net worth individuals, corporate executives, retirees, business owners, family offices and non-profit organizations.
We want to help simplify your life, become a trusted advisor, and provide a roadmap to your financial success. We await the opportunity to work with you.
Services Include
- Alternative InvestmentsFootnote1
- Asset Management
- Business Succession PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Financial PlanningFootnote4
- Cash Management and Lending ProductsFootnote5
- Long-term Care InsuranceFootnote6
- Planning for Education FundingFootnote7
- Retirement PlanningFootnote8
- Stock Option PlansFootnote9
- Stock Plan ServicesFootnote10
- Structured ProductsFootnote11
- Trust ServicesFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Coastal Vista Group provides their clients with guidance, insights and thought leadership pertaining to the alternative investments asset class and strategies provided by Morgan Stanley Wealth Management.
This includes Alternative Investments, Hedge Funds, Private Credit, and Private Real Estate. Helping clients meet their financial objectives, ensuring your choices will align with your specific goals and risk tolerance.
Alternative Investments
Our leading alternatives platform offers 160+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
Hedge Funds
We specialize in delivering a broad range of hedge fund portfolio solutions to a global client base. Our strategies include custom hedge fund portfolios; broadly-diversified, opportunistic and strategy-specific funds; and advisory services.
Private Credit
Private Credit investing is an essential component of Morgan Stanley Investment Management's alternative investments platform. We manage a well-defined group of strategies and seek to deliver attractive returns to our investors by forging successful partnerships with our portfolio companies.
Private Real Estate
Morgan Stanley Real Estate Investing (MSREI) is the global private real estate investment management arm of Morgan Stanley. With ~200 professionals in 17 offices across 13 countries plus decades of experience investing internationally, MSREI is uniquely positioned to execute core and opportunistic strategies globally.
OUR CLIENTS UNDERSTAND THAT DECISIONS THEY MAKE AROUND COMPANY STOCK AND OPTIONS ARE SOME OF THE MOST CONSEQUENTIAL THEY’LL FACE IN THEIR FINANCIAL LIFE.
You may be asking yourself:
• How well do I understand my equity compensation and the strategies that exist to maximize its value?
• Am I being as smart as my managers and coworkers with my equity compensation? Should I be making different choices based on my specific situation?
• How do I turn my company equity into something I can enjoy?
• Can I afford to leave my company, and how should I plan for that?
• What the heck is the Alternative Minimum Tax?
How we can help?
Understanding how your stock or option plan works is only the first step. We work with you articulate specific goals such as diversification, tax management, charitable gifting, or simply having enough cash to live on while you wait for an exit. Projecting a variety of multi-year scenarios, we help you make the best decisions you can to maximize this valuable asset.
Why Us?
We are part of a small group of Morgan Stanley advisors trained and experienced in these complex issues and have tools and resources that stand out among your choices in selecting a financial advisor.
MODERN WEALTH MANAGEMENT TOOLS AND RESOURCES
Morgan Stanley's comprehensive suite of digital resources has carefully been designed to help enhance each aspect of your financial portfolio. Take some time to learn about some of the many Modern Wealth Management resources that we offer to our clients.
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! Access your finances and invest in an instant with the help of this handy resource that is available 24/7.
Learn more about Morgan Stanley Online
Total Wealth View
Complete your financial profile with Total Wealth View. By linking your external account information you will benefit from more educated and holistic wealth planning, along with convenient connectivity.
Learn more about Total Wealth View
Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative risk engine used by several of the world's largest institutional asset managers. Providing you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios. This helpful tool can assist you in making educated investment decisions with increased confidence.
Learn more about the Portfolio Risk Platform
Morgan Stanley Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that rewards clients with over one million dollars in assets and liabilities invested at the firm. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn more about Morgan Stanley ReservedMarket Updates & More
The below resources are meant to transform complex financial analysis and research into concise and easily digestible content.
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
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On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
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Morgan Stanley Ideas Podcast
The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond.
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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.
Check out the latest episodeLocation
350 East Las Olas Blvd
Suite 1500
Fort Lauderdale, FL 33301
US
Direct:
(954) 713-8484(954) 713-8484
Meet The Coastal Vista Group
Financial Advisor, Portfolio Manager, Workplace Advisor - Equity Compensation, CERTIFIED FINANCIAL PLANNER®
Phone:
(954) 713-8482(954) 713-8482
Financial Advisor, Portfolio Manager, Financial Planning Specialist, CERTIFIED FINANCIAL PLANNER®
Phone:
(954) 267-5814(954) 267-5814
Matt Roth
Wealth Management Assoaciate
Phone:
(954) 267-5616(954) 267-5616
Helen Ayala
Senior Registered Client Service Associate
Phone:
(954) 713-8484(954) 713-8484
Julia Marzella
Registered Client Service Associate
Phone:
(954) 713-8493(954) 713-8493
About Gregory Roth
Greg draws on over 30 years of experience in the financial services industry to understand your life, your wealth, and what you want to accomplish. As a Senior Vice President, Greg serves clients' holistic financial planning needs, including investment management, retirement planning, wealth transition, insurance, education planning, philanthropic giving, business planning and succession, and liability management.
A native Floridian, Greg resides in Fort Lauderdale with his wife and three children. In his community, Greg is proud to be a founding member of the Mount Sinai Medical Center Foundation. In his spare time, Greg enjoys traveling and training for physical competitions.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors do not provide tax or legal advice. Individuals should seek advice based on their particular circumstances from an independent tax or legal advisor.
A native Floridian, Greg resides in Fort Lauderdale with his wife and three children. In his community, Greg is proud to be a founding member of the Mount Sinai Medical Center Foundation. In his spare time, Greg enjoys traveling and training for physical competitions.
Morgan Stanley Smith Barney LLC offers insurance products in conjunction with its licensed insurance agency affiliates.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors do not provide tax or legal advice. Individuals should seek advice based on their particular circumstances from an independent tax or legal advisor.
Securities Agent: AR, NE, WA, SC, NV, NC, IL, NJ, PA, CT, VA, FL, VI, TN, MD, DE, WY, PR, MO, WV, TX, MI, ME, IN, CO, WI, NH, AL, UT, OH, NY, MA, GA, CA, AZ, OR, DC; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 2347035
NMLS#: 2347035
About Alejandro "Alex" Castillo
A native from Peru, Alex grew up in South Florida. Having graduated from Florida State University in 2013 majoring in Biochemistry, he began his Wealth Management career at Merrill Lynch in 2016, Alex was recruited to UBS the following year and entered their Wealth Planning Associate program in which he was able to become one of the top associates in the nation. Upon completion of the program, he teamed up with Gregory Roth and as a team transitioned to Morgan Stanley forming The Coastal Vista Group in 2022 to help better meet the needs of their clients.
Securities Agent: IN, MO, WV, NE, MI, GA, AL, PR, OR, VA, OH, WI, WA, TN, AZ, VI, UT, TX, NV, NJ, MA, CT, CO, PA, NH, ME, DC, AR, WY, NC, FL, CA, SC, MD, IL, DE, NY; General Securities Representative; Investment Advisor Representative
NMLS#: 1342319
NMLS#: 1342319
About Ioulia Nikiforova
Ioulia Nikiforova, CFP® has 22 years of experience in relationship management in the areas of Higher Education, Business, and Finance. During her last year of college at the Siberian State University in Russia, she transferred to Lynn University in Boca Raton, Florida, graduating summa cum laude and earning a Master’s of Business Administration degree in Marketing and Masters in International Business. She remained at her Alma Mater as an Assistant Director of Graduate Admissions expanding enrollments into the graduate school program. Realizing that her biggest motivator is a desire to help people achieve their goals, twelve years ago, she decided to use her educational background to pursue a career at Morgan Stanley helping clients achieve their financial goals.
For me, retirement planning means more than providing my clients with investment advice. It means helping them maintain the financial independence they’ve worked their whole lives to achieve. It means striving to help ensure they have the means to pursue what’s most important to them. And it means understanding them as people with unique goals, values and circumstances that determine the strategies I develop on their behalf.
My consultative process begins with an in-depth discussion of your current finances and future objectives. We’ll address issues you might have overlooked that can have a significant impact on your ability to retire as planned. Finally, we’ll determine how we can help you adjust your investment strategy as necessary to accommodate changing conditions and meet any unforeseen expenses and income demands that may arise during retirement.
Attention to details, good listening skills and great empathy characterize her client relationships. She is effectively supported by her team, each focusing on a specific area of wealth management. In addition, she and her team work with specialists from different areas of the firm to provide their clients with a comprehensive solution to their needs. Her team believes a cornerstone of financial planning is the recognition that everyone’s economic and life situation is unique. As life changes so do priorities. That’s why it becomes just as important to regularly monitor the plan to ensure clients are aligned with their goals.
For me, retirement planning means more than providing my clients with investment advice. It means helping them maintain the financial independence they’ve worked their whole lives to achieve. It means striving to help ensure they have the means to pursue what’s most important to them. And it means understanding them as people with unique goals, values and circumstances that determine the strategies I develop on their behalf.
My consultative process begins with an in-depth discussion of your current finances and future objectives. We’ll address issues you might have overlooked that can have a significant impact on your ability to retire as planned. Finally, we’ll determine how we can help you adjust your investment strategy as necessary to accommodate changing conditions and meet any unforeseen expenses and income demands that may arise during retirement.
Attention to details, good listening skills and great empathy characterize her client relationships. She is effectively supported by her team, each focusing on a specific area of wealth management. In addition, she and her team work with specialists from different areas of the firm to provide their clients with a comprehensive solution to their needs. Her team believes a cornerstone of financial planning is the recognition that everyone’s economic and life situation is unique. As life changes so do priorities. That’s why it becomes just as important to regularly monitor the plan to ensure clients are aligned with their goals.
Securities Agent: IN, CA, TN, PR, OH, MD, AZ, TX, WV, NH, DE, AL, VA, PA, NJ, NE, MA, CT, WA, IL, AR, WY, OR, NV, MO, NY, ME, GA, DC, MI, CO, WI, VI, UT, SC, NC, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1282926
NMLS#: 1282926
About Matt Roth
Matthew believes the cornerstone of a successful client relationship is the mutual trust and respect that develops over time, and he is deeply committed to helping his clients realize their long-term financial goals.
Matthew provides a comprehensive approach to financial and retirement planning, wealth management, 529 education savings planning, and much more to his clients and their families.
Matthew is excited to employ the vast resources of Morgan Stanley to bring the right guidance and tailored financial strategies designed to meet his clients’ specific needs. He works diligently to exceed his clients’ expectations with quality customer service.
Matthew joins us from Raymond James where he began his career as a financial advisor. Prior to Raymond James, Matthew spent over four years working in the commercial real estate sector. He advised clients on their acquisition and disposition strategies along with business planning to maximize property value throughout the holding period. It was through this advising experience that Matthew recognized his true calling of advising and achieving the financial goals of his clients and their families.
Matthew graduated with honors from The Florida State University where he obtained a Bachelor of Science degree in Finance. During his four-year tenure at Florida State, Matthew volunteered as a Unified Partner of the Special Olympics. This passion for community has led to his continuous involvement in numerous local organizations.
Outside of the office, Matthew enjoys flying airplanes recreationally and playing hockey. Matthew is a huge sports fan who likes his native Miami and alma mater teams. He currently resides in Fort Lauderdale with his fiancée, Lauren, and their cat and two dogs (aka: their petting zoo).
Matthew provides a comprehensive approach to financial and retirement planning, wealth management, 529 education savings planning, and much more to his clients and their families.
Matthew is excited to employ the vast resources of Morgan Stanley to bring the right guidance and tailored financial strategies designed to meet his clients’ specific needs. He works diligently to exceed his clients’ expectations with quality customer service.
Matthew joins us from Raymond James where he began his career as a financial advisor. Prior to Raymond James, Matthew spent over four years working in the commercial real estate sector. He advised clients on their acquisition and disposition strategies along with business planning to maximize property value throughout the holding period. It was through this advising experience that Matthew recognized his true calling of advising and achieving the financial goals of his clients and their families.
Matthew graduated with honors from The Florida State University where he obtained a Bachelor of Science degree in Finance. During his four-year tenure at Florida State, Matthew volunteered as a Unified Partner of the Special Olympics. This passion for community has led to his continuous involvement in numerous local organizations.
Outside of the office, Matthew enjoys flying airplanes recreationally and playing hockey. Matthew is a huge sports fan who likes his native Miami and alma mater teams. He currently resides in Fort Lauderdale with his fiancée, Lauren, and their cat and two dogs (aka: their petting zoo).
About Helen Ayala
Helen has over 23 years of experience in the financial service industry. Helen's primary duties include day to day operations of the practice, client communication, relationship management and account services. On her free time Helen enjoys, spending time with her Husband and three children, traveling and boating.
About Julia Marzella
Julia joined Morgan Stanley shortly after earning her bachelor’s degree in economics from UCLA. She currently holds her Series 7 and Series 66 licenses and supports the Coastal Vista Group by engaging with clients and assisting with a wide variety day-to-day operations.
Contact Gregory Roth
Contact Alejandro "Alex" Castillo
Contact Ioulia Nikiforova
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
Mark T Curtis
Managing Director, Stock Plan Director, Financial Planning Specialist, Family Wealth Director, International Client Advisor, Investing with Impact Director
Managing Director, Private Wealth Management, Private Wealth Advisor, Stock Plan Director
Michael Gallagher
Managing Director, Wealth Management, Financial Advisor, Corporate Client Group Director
Nick Kavallieratos
Managing Director, Wealth Management, Financial Advisor, Executive Financial Services Director
James J Detterick, CRPS®
Managing Director, Corporate Client Group Director, Institutional Consulting Director, Stock Plan Director
C. Andrew Harbour, CFP®, CIMA®, CRPS®
Managing Director, Wealth Management, Institutional Consulting Director, Corporate Retirement Director, Financial Wellness Director, Portfolio Management Director, Investing with Impact Director, Financial Advisor, Stock Plan Director
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
Wealth Management
Global Investment Office
Portfolio Insights
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Coastal Vista 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.
1Alternative 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan Stanley 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.
4Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
5Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
8When 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.
9Morgan 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.
10Morgan 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.
11Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
12Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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
1Alternative 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan Stanley 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.
4Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
5Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
8When 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.
9Morgan 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.
10Morgan 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.
11Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
12Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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Awards Disclosures
CRC 6491812 (04/2024), 3582895 (6/2024)
