Michael Gorman
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(203) 326-6913(203) 326-6913
The Connecticut Lighthouse Group at Morgan Stanley
Direct:
(203) 326-6913(203) 326-6913
Our Mission Statement
Providing premier financial advisory services to Private Wealth Clients, Family Offices, Endowments and Select Institutions.
About Us
Wealth accumulation, whether earned or inherited, is not a simple business. Helping protect it is even harder. In fact, helping preserve and protect your wealth probably means that you deal with complex financial questions far beyond the scope of most people. Questions such as:
How do you manage an investment portfolio that requires more time and attention than you can possibly devote to it?
How do you protect your legacy?
How do you monitor your assets through rapidly changing market conditions and opportunities?
Most importantly, how do you avoid any major financial “blow ups” that can take years to overcome?
Over the last 30 years, we have advised and served the comprehensive needs of individuals, families and business owners like you by focusing on helping grow, preserve and protect your hard-earned wealth. Our clients have built successful businesses, careers and professional practices and they rely on our team to help them protect what they have worked so hard to earn and generate income for their retirement years.
How do you manage an investment portfolio that requires more time and attention than you can possibly devote to it?
How do you protect your legacy?
How do you monitor your assets through rapidly changing market conditions and opportunities?
Most importantly, how do you avoid any major financial “blow ups” that can take years to overcome?
Over the last 30 years, we have advised and served the comprehensive needs of individuals, families and business owners like you by focusing on helping grow, preserve and protect your hard-earned wealth. Our clients have built successful businesses, careers and professional practices and they rely on our team to help them protect what they have worked so hard to earn and generate income for their retirement years.
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Wealth ManagementFootnote3
- Estate Planning StrategiesFootnote4
- Alternative InvestmentsFootnote5
- Life InsuranceFootnote6
- Qualified Retirement PlansFootnote7
- Philanthropic ManagementFootnote8
- Institutional ServicesFootnote9
- Structured ProductsFootnote10
- Cash Management and Lending ProductsFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheckLink Opens in New Tab.*
Working With You
Our clients span from all walks of life with many different goals and complexities. Whether you are a sophisticated investor, a client in the retail industry, a retiree, we take pride in understanding each and every one of our client’s goals and needs. Through our years of experience, we have developed a systematic process that allows us to craft a plan suitable to your objectives while also giving you the ability to monitor your progress.
Step 1: Discovery Meeting
Our relationship begins with a discovery meeting. We will evaluate your investment history and talk about your goals. Where do you want to be in 5-10 years? Where do you want to live? We’ll also discuss your overall investment philosophy and level of risk tolerance.
Step 2: Advise
After assessing your financial picture, we create a comprehensive strategy that is tailored to your needs and objectives. We will meet with you again to review a written proposal created for helping achieve your financial goals. We’ll talk about the various options that are presented and make necessary adjustments to the plan to ensure that potential outcomes are balanced with your tolerance for risk and have built-in risk management strategies for unforeseen life events.
Step 3: Take Action
We then put your plan into action to start working towards your financial goals. We will build a diversified investment portfolio that is:
• Unique to your values
• Tailored to your goals
• Customized for your needs
• Designed to stand the test of time
• Unique to your values
• Tailored to your goals
• Customized for your needs
• Designed to stand the test of time
Step 4: Adjust
As we all know, things will change. As your life evolves, markets fluctuate, and tax laws change, it is important that your plan adjusts accordingly. We monitor each portfolio and conduct regular reviews of your financial status to help ensure that you are properly positioned to meet your financial goals. Your investment strategy follows your financial goals and market conditions.
Above all, we are available at all times to discuss your investments as often as you like to ensure nothing is missed.
Above all, we are available at all times to discuss your investments as often as you like to ensure nothing is missed.
Core Capabilities
As your wealth grows, so does its complexities and the resources need to manage it effectively. We leverage our training and experience to deliver innovative strategies that are tailored to your needs, especially in our key areas of strength shown below:
Wealth and Estate Planning Strategies
You have worked hard to build your wealth and leaving behind a legacy is a goal many of our clients have. We can analyze your tax and estate structures so that their tax characteristics are incorporated in the asset allocation analysis.
Tax-Efficient Strategies
We will always take the tax-implications of your portfolio into account. Navigating the complexities of taxes can be difficult, especially when dealing with businesses or estates, but we can help you potentially save on taxes.
Alternative Investments
We provide our clients with alternative options to consider that they may not otherwise have access to investing on their own. Matt has extensive training and experience in alternative investments for the potential inclusion in our client’s portfolios based on your financial goals and risk tolerance.
Professional Portfolio Management
Managing your portfolio can be time consuming, but when working with us, we constantly analyze and monitor your portfolio with our suite of analytical tools. We can help relieve you of the day-to-day decisions of your portfolio and manage it in a way that is aligned with your goals.
Lending and Financing
The best way to purchase something new may not always be from your assets. Leveraging lending and financing services is another option that can help achieve some of your long-term goals.
Customized Solutions
We take a holistic view of your entire financial picture - we want to understand your assets, your liabilities, goals, risk tolerance, and long-term needs. Once we get a better understanding of you, we will create your customized plan. As a part of our team, we can utilize Morgan Stanley's LifeView, a planning tool that includes goal-specific analysis, to create an integrated strategy that includes all aspects of your life. To begin the process, please review the questionnaire linked below.
QuestionnaireTax-Efficient Strategies
Part of working with our clients, we look at the tax implications of their portfolios and help ensure they maintain as much of their wealth when taxes come due. Consider these tax resources and reach out to us if you would like to speak about how you can potentially save on taxes.
Tax-Efficient Planning
The tax decisions you make today can help you save for years to come. Consider these smart tax strategies for your financial plan.
Learn More
Tax-Efficient Investing
A key strategy for boosting long-term investment returns is being smart about tax efficiency.
Learn More
Tax Strategies for Retirement
Smart tax planning can help you save more for retirement and keep more of what you've already saved. Consider these tax-efficient retirement planning strategies.
Learn More
Tax-Loss Harvesting
What is tax-loss harvesting exactly, and how do some investors use it to opportunistically reduce their tax bills?
Learn More
Form 1040: Reading Between the Lines
Take a look at your Form 1040 to find potential opportunities to save money hidden between its lines.
Learn More
Location
4 Landmark Square
2nd Floor
Stamford, CT 06901
US
Direct:
(203) 326-6913(203) 326-6913
Meet The Connecticut Lighthouse Group
Matthew A Carrara, CAIA
Executive Director, Wealth Management, Financial Advisor, Chartered Alternative Investment Analyst
Phone:
(203) 326-6985(203) 326-6985
Phone:
(203) 967-7016(203) 967-7016
About Michael Gorman
As a Financial Advisor with the Connecticut Lighthouse Group, I focus on creating detailed and comprehensive financial plans that can help allow clients to understand the implications of different choices they may make in their financial life, as well as how market conditions may affect the chances of reaching their goals. I develop customized, sophisticated investment solutions utilizing an objective, goal-based approach to wealth management that provides for long-term investing.
Securities Agent: NH, TX, IN, GA, MD, FL, CT, VA, NY, ME, KY, RI, IL, NC, MA, SC, OK, UT, PA, NJ, CA, AL, VT, CO, OH, AZ, HI, DE, DC, WY, WI, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 1388037
NMLS#: 1388037
About Matthew A Carrara
Matt is a Financial Advisor, Executive Director at Morgan Stanley.
With over 30 years of financial industry experience, Matt began his investment career at Morgan Stanley & Co. in 1985. He spent ten years at Morgan Stanley servicing institutional equity clients before moving on to Deutsche Bank. As Managing Director at Deutsche Bank, he was responsible for all sales and trading in North America for Equity Derivative products focusing on all client types including Mutual funds, Hedge funds, Pensions, Endowments and Private Clients. Matt transitioned to investment management when he joined Everest Capital, an emerging market and global macro firm, as an investment advisor. Following Everest, he served as head of equity trading, as well as, a Portfolio Manager for Carlyle Blue Wave, a Multi-Strategy hedge fund. Prior to joining Morgan Stanley, Matt served as Portfolio Manager for the Galton Fund, a long/short equity fund.
Matt received his Bachelor of Business Administration from St. John’s University in 1984. He also holds a designation as a Chartered Alternative Investment Analyst (CAIA).
Matt was born in New York City, but he currently lives in Connecticut with his wife and four children. Outside of the office, Matt enjoys golfing, running, and biking. He also has a home in Florida, which has furthered his interest in water sports.
With over 30 years of financial industry experience, Matt began his investment career at Morgan Stanley & Co. in 1985. He spent ten years at Morgan Stanley servicing institutional equity clients before moving on to Deutsche Bank. As Managing Director at Deutsche Bank, he was responsible for all sales and trading in North America for Equity Derivative products focusing on all client types including Mutual funds, Hedge funds, Pensions, Endowments and Private Clients. Matt transitioned to investment management when he joined Everest Capital, an emerging market and global macro firm, as an investment advisor. Following Everest, he served as head of equity trading, as well as, a Portfolio Manager for Carlyle Blue Wave, a Multi-Strategy hedge fund. Prior to joining Morgan Stanley, Matt served as Portfolio Manager for the Galton Fund, a long/short equity fund.
Matt received his Bachelor of Business Administration from St. John’s University in 1984. He also holds a designation as a Chartered Alternative Investment Analyst (CAIA).
Matt was born in New York City, but he currently lives in Connecticut with his wife and four children. Outside of the office, Matt enjoys golfing, running, and biking. He also has a home in Florida, which has furthered his interest in water sports.
Securities Agent: VA, VT, SC, OR, UT, PA, OK, ME, FL, WA, NY, IN, DC, RI, MD, IL, NH, OH, MI, WI, NJ, MA, HI, MN, CA, NC, GA, DE, CT, WY, TX, NM, CO, AZ, AL, KY; General Securities Representative; Investment Advisor Representative
NMLS#: 1383200
CA Insurance License #: 0N04566
NMLS#: 1383200
CA Insurance License #: 0N04566
About Bo Zhang
Securities Agent: NJ, GA, NH, NC, HI, FL, MN, AL, UT, IL, CA, WY, PA, OH, ME, IN, DE, CT, WI, TX, RI, OK, WV, SC, MD, MA, DC, NY, NM, KY, CO, AZ, VA, VT; General Securities Representative; Investment Advisor Representative
NMLS#: 1815580
NMLS#: 1815580
About Mitch Intrieri
Mitch provides first class service by offering operational and administrative support to the group's clientele by working with the various administrative departments inside the firm. He provides clients daily monitoring of account activity, account maintenance, on-line enrollments and entitlements, and client tax-reporting. Mitch also conducts cash management activities including helping clients with checks, wires, bill-pay*, debit-card, and all other services.
He holds Series 7 and 66 licenses.
*Bill payments can take up to 4 business days for the payee to receive.
He holds Series 7 and 66 licenses.
*Bill payments can take up to 4 business days for the payee to receive.
Contact Michael Gorman
Contact Matthew A Carrara
Contact Bo Zhang
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
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
Are You Prepared for Tax Day?Link Opens in New Tab
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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
Ready to start a conversation? Contact The Connecticut Lighthouse Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan 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.
5Alternative 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.
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 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.
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.
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.
10Structured 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.
11Morgan 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
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.
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1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
4Morgan 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.
5Alternative 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.
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 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.
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.
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.
10Structured 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.
11Morgan 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
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.
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CRC 6491812 (04/2024)
