Senior Vice President, Financial Advisor, Investing with Impact Director, CERTIFIED FINANCIAL PLANNER®, Financial Planning Specialist
Phone:
(207) 771-0888(207) 771-0888
The Compass Rose Group at Morgan Stanley
Direct:
(207) 771-0800(207) 771-0800
Our Mission Statement
Your Destination, Our Navigation
Our Story and Services
The Compass Rose Group at Morgan Stanley works to deliver the full benefit of our collective experience and skills. After many years working with clients throughout Maine and beyond, we share the same passion for helping you manage your financial life. Our objective is to provide first class client service through our collaboration and shared wealth management philosophy.
To start, we believe that the best financial outcomes begin with a plan. As such, we have both earned the distinguished title, CERTIFIED FINANCIAL PLANNER®. With decades of experience combined with the world class resources of Morgan Stanley we work to help create a sense of comfort about your ability to meet your financial goals. We have the experience, the knowledge and (crucially) the passion to lead investors who want to make a positive change for their world, their financial lives and their families.
To start, we believe that the best financial outcomes begin with a plan. As such, we have both earned the distinguished title, CERTIFIED FINANCIAL PLANNER®. With decades of experience combined with the world class resources of Morgan Stanley we work to help create a sense of comfort about your ability to meet your financial goals. We have the experience, the knowledge and (crucially) the passion to lead investors who want to make a positive change for their world, their financial lives and their families.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
With decades of experience combined with the unparalleled resources of Morgan Stanley we create a sense of comfort about your ability to meet your financial goals. We will guide you on your journey to and through retirement answering questions such as:
* How should my assets be managed for the best likelihood of meeting my financial goals?
* What is the best way to fund my children’s and grandchildren’s education?
* When can I retire? What will my Retirement Paycheck look like?
* When should I begin taking Social Security?
* How can I ensure that I leave the Legacy that I intend?
* Now that I am on my own, how do I get a handle on my finances?
* Can I align my investments with my values with a focus on Environmental, Social and Governance issues while still investing for my future?
We begin with a process of deep discovery to learn about what is important to you. We then work with you to develop a defined financial plan and implement a disciplined investment process based on the wealth of research from MS. Because our clients are extremely important, we work to consistently deliver a distinguished client service experience. For centuries, the Compass Rose has guided travelers on their journey to their planned destination. We look forward to guiding you on your journey.
* How should my assets be managed for the best likelihood of meeting my financial goals?
* What is the best way to fund my children’s and grandchildren’s education?
* When can I retire? What will my Retirement Paycheck look like?
* When should I begin taking Social Security?
* How can I ensure that I leave the Legacy that I intend?
* Now that I am on my own, how do I get a handle on my finances?
* Can I align my investments with my values with a focus on Environmental, Social and Governance issues while still investing for my future?
We begin with a process of deep discovery to learn about what is important to you. We then work with you to develop a defined financial plan and implement a disciplined investment process based on the wealth of research from MS. Because our clients are extremely important, we work to consistently deliver a distinguished client service experience. For centuries, the Compass Rose has guided travelers on their journey to their planned destination. We look forward to guiding you on your journey.
MATERIALS TO HELP OUR CLIENTS
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Our Investing with Impact platform has designed a proprietary process to identify your impact priorities and match them with one of our 360+ investment strategies or customizable portfolio solutions across asset classes, to tailor your portfolio and monitor both financial and impact results over time.
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Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Learn MoreSustainable and Impact Investing
We believe that successful people can use their money to effect the kind of change that we desperately need. As the population of the planet grows, and the strain on our resources increases, we need to support the private sector as it searches for solutions. We believe governments are unlikely to solve our global problems. But money can…money that is invested wisely, in companies that are creating the kind of international solutions we need. We have the experience, the knowledge and (crucially) the passion to lead investors who want to make a positive change for their world, their financial lives and their families.
The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria.
The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria.
Investing with Impact
Investing with Impact is customizable to fit your varied needs, allowing both targeted allocation and full integration of impact objectives into an account of any size.
Click Here to Learn MoreMorgan Stanley IQ
Morgan Stanley Impact Quotient® is a patented technology that enables you to align client portfolios with unique social and environmental impact goals.
Click Here to Learn MoreLocation
100 Middle St 3rd
Fl
Portland, ME 04101
US
Direct:
(207) 771-0800(207) 771-0800
Meet The Compass Rose Group
Associate Vice President, Financial Advisor, CERTIFIED FINANCIAL PLANNER®
Phone:
(207) 771-0827(207) 771-0827
Heather Levasseur, RICP®
Portfolio Associate
Phone:
(207) 771-0822(207) 771-0822
About Robin Hodgskin
Robin has spent over 20 years as a Financial Advisor (FA) and 13 years as a Branch Manager. As a Financial Advisor, she has worked with clients aligning their investments with their values and helping them achieve their financial goals and dreams. Robin has developed her credentials as an FA She has the skills to coordinate advice to the ultra-high net worth in all aspects of their wealth management including estate planning strategies, investments, and risk and liquidity management. In working with Robin, you gain access to the intellectual capital and resources of our firm to aid in managing your personal finances. Robin has the experience, the knowledge and (crucially) the passion to lead investors who want to make a positive change for their world, their financial lives and their families.
An inaugural member of the Olympia’s Leaders Advisors, within the Olympia Snowe Women’s Leadership Institute, Robin mentored high School girls to cultivate their Values, Voice and Vision. She is now a member of the board of directors and serves as a member of the Programming and the Development Committees.
Robin chaired The American Heart Association’s “Go Red for Women” annual event in Maine raising over $500,000. In 2021 she was honored with The Crystal Heart award for dedication to awareness and raising funds to support “Go Red For Women”. She has served on the board of the Maine Women’s Fund and chaired its Investment Committee for over twenty years. She is also a former board member and past president of Women Standing Together, mentoring women entrepreneurs and leaders in Maine.
At First Parish Church in Yarmouth, Robin founded the Endowment Committee and served on the Church Council. Active with Bates College Alumni, Robin acts as a Lead Class Agent, Mount David Society and College Key Member, and is on the Portland Bates Network Committee.
Robin worked with Safe Passage supporting education of children living in the Guatemala City garbage dump. With BuildOn, her family helped to build a school in Mali, Africa.
An inaugural member of the Olympia’s Leaders Advisors, within the Olympia Snowe Women’s Leadership Institute, Robin mentored high School girls to cultivate their Values, Voice and Vision. She is now a member of the board of directors and serves as a member of the Programming and the Development Committees.
Robin chaired The American Heart Association’s “Go Red for Women” annual event in Maine raising over $500,000. In 2021 she was honored with The Crystal Heart award for dedication to awareness and raising funds to support “Go Red For Women”. She has served on the board of the Maine Women’s Fund and chaired its Investment Committee for over twenty years. She is also a former board member and past president of Women Standing Together, mentoring women entrepreneurs and leaders in Maine.
At First Parish Church in Yarmouth, Robin founded the Endowment Committee and served on the Church Council. Active with Bates College Alumni, Robin acts as a Lead Class Agent, Mount David Society and College Key Member, and is on the Portland Bates Network Committee.
Robin worked with Safe Passage supporting education of children living in the Guatemala City garbage dump. With BuildOn, her family helped to build a school in Mali, Africa.
Securities Agent: VT, UT, NC, PA, OH, NY, RI, NJ, NH, SC, TX, MI, OR, ME, MD, VA, MA, IN, IL, ID, HI, GA, FL, OK, CT, CO, AK, CA, AZ, DC; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1268463
NMLS#: 1268463
About Catherine Cleale
Catherine is a native New Englander, born in New Hampshire but raised as the middle child of five in Houlton, Maine. Hard work, perseverance and family was something she learned about at an early age. She is not quite certain which part of her life schooled her the most: caring for a barn full of horses, picking potatoes for many years beginning at age 8, working in both her father’s and grandfather’s businesses or trying to outwit a sibling. Wherever she acquired her knowledge, she is grateful for the many lessons, and more importantly, the teachers. And in all those life lessons is usually a nugget of information that either helps her better understand a client situation, or problem solve.
Catherine holds degrees in Political Science and History from the University of Maine and the University of Southern Maine, respectively. Additionally, she completed a Certificate, Advanced Study in Financial Planning from Merrimack College, and the Chicago Booth CIMA® Education Program from the University of Chicago.
She holds the CERTIFIED FINANCIAL PLANNER™, Certified Investment Management Analyst, CHARTERED RETIREMENT PLANNING COUNSELOR℠ and Qualified Plan Financial Consultant designations. Each credential earned speaks to Catherine’s commitment to expanding her skill set and enhancing the service we offer to our clients. Catherine has substantial knowledge of the wealth management process with a particular interest in financial planning and investments.
Catherine lives in Falmouth with her husband, Tim, and children, Caroline and Matthew. When not in the office, Catherine enjoys time golfing, hiking, spending time with family and reading.
EDUCATION & CREDENTIALS:
•University of Chicago Booth School of Business Executive Education
Certificate – Chicago Booth CIMA ® Education program
• Merrimack College
Certificate - Advanced Study in Financial Planning
• University of Southern Maine
BA- History
• University of Maine
BA-Political Science
CERTIFIED FINANCIAL PLANNER™ (CFP®)
Certified investment Management Analyst® (CIMA®)
Chartered Retirement Planning CounselorSM (CRPC®)
Series 7, Series 66 and Life and Health Insurance Licensed
EXPERIENCE:
Morgan Stanley Wealth Management, 2013 - Present
Merrill Lynch, 2011-2012
VWR International, 1994-2009
COMMUNITY:
Portland Regional Chamber of Commerce
• Advocacy Committee, 2017-present
Falmouth Memorial Library Association Board
• Finance Committee, 09/2022 – Present
• Trustee, 2016 – 09/2022
• Treasurer, 2016 – 09/2022
St. Mary's Episcopal Church, Falmouth, Member, 2007 - Present
Olympia Snowe Leadership Institute
• Olympia’s Leader Advisor, 2018-2021
Catherine holds degrees in Political Science and History from the University of Maine and the University of Southern Maine, respectively. Additionally, she completed a Certificate, Advanced Study in Financial Planning from Merrimack College, and the Chicago Booth CIMA® Education Program from the University of Chicago.
She holds the CERTIFIED FINANCIAL PLANNER™, Certified Investment Management Analyst, CHARTERED RETIREMENT PLANNING COUNSELOR℠ and Qualified Plan Financial Consultant designations. Each credential earned speaks to Catherine’s commitment to expanding her skill set and enhancing the service we offer to our clients. Catherine has substantial knowledge of the wealth management process with a particular interest in financial planning and investments.
Catherine lives in Falmouth with her husband, Tim, and children, Caroline and Matthew. When not in the office, Catherine enjoys time golfing, hiking, spending time with family and reading.
EDUCATION & CREDENTIALS:
•University of Chicago Booth School of Business Executive Education
Certificate – Chicago Booth CIMA ® Education program
• Merrimack College
Certificate - Advanced Study in Financial Planning
• University of Southern Maine
BA- History
• University of Maine
BA-Political Science
CERTIFIED FINANCIAL PLANNER™ (CFP®)
Certified investment Management Analyst® (CIMA®)
Chartered Retirement Planning CounselorSM (CRPC®)
Series 7, Series 66 and Life and Health Insurance Licensed
EXPERIENCE:
Morgan Stanley Wealth Management, 2013 - Present
Merrill Lynch, 2011-2012
VWR International, 1994-2009
COMMUNITY:
Portland Regional Chamber of Commerce
• Advocacy Committee, 2017-present
Falmouth Memorial Library Association Board
• Finance Committee, 09/2022 – Present
• Trustee, 2016 – 09/2022
• Treasurer, 2016 – 09/2022
St. Mary's Episcopal Church, Falmouth, Member, 2007 - Present
Olympia Snowe Leadership Institute
• Olympia’s Leader Advisor, 2018-2021
Securities Agent: VT, AK, AZ, CA, CO, CT, DC, FL, GA, HI, ID, IL, IN, MA, MD, ME, NC, NH, NJ, NY, OH, OK, OR, PA, RI, SC, TN, TX, VA; General Securities Representative; Investment Advisor Representative
NMLS#: 857242
CA Insurance License #: 0L72661
NMLS#: 857242
CA Insurance License #: 0L72661
About Heather Levasseur
Heather is responsible for the management and execution of our client service and relationship building strategies. She plays an integral role in the day to day operations of the team and dedicates herself to serving our clients’ needs with the highest level of customer care. Her problem-solving skills, attention to detail and eagerness to help are invaluable to our team.
Heather has nearly 3 decades experience having served in various positions in the financial services field. Prior to starting her career at Smith Barney in New Jersey in 1994, she also proudly served our country in the U.S. Navy.
Originally from Missouri, Heather met her husband, Michael, in the U.S. Navy. She has two children, Brett and Thomas, and she and her husband live in Saco, Maine. Her hobbies include quilting, going for long walks and reading, a passion she inherited from her father.
Heather has nearly 3 decades experience having served in various positions in the financial services field. Prior to starting her career at Smith Barney in New Jersey in 1994, she also proudly served our country in the U.S. Navy.
Originally from Missouri, Heather met her husband, Michael, in the U.S. Navy. She has two children, Brett and Thomas, and she and her husband live in Saco, Maine. Her hobbies include quilting, going for long walks and reading, a passion she inherited from her father.
Contact Robin Hodgskin
Contact Catherine Cleale
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Ready to start a conversation? Contact The Compass Rose Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Morgan 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
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan Stanley 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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, charitable giving, philanthropic planning and other legal matters.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Morgan 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
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan Stanley 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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, charitable giving, philanthropic planning and other legal matters.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)