Senior Vice President, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER®, Chartered Financial Consultant, Chartered Retirement Plans Specialist, Workplace Advisor - Equity Compensation, Portfolio Manager, Family Wealth Advisor
The Convergence Group at Morgan Stanley
Direct:
(540) 725-3162(540) 725-3162
Our Mission Statement
The Convergence Group’s mission is to help make financial ambitions tangible realities. We do this at the convergence of a client’s goals and resources, our team's decades of wisdom and experience, and Morgan Stanley’s world class depth in asset and liability management.
The Convergence Group at Morgan Stanley
Comprehensive wealth management takes a set of skills that go well beyond general financial planning and investment management. It takes a team of experienced professionals who have acquired the insights, wisdom and experience needed to tackle your family’s personal financial challenges.
The Convergence Group at Morgan Stanley has decades of combined experience, who knows what it takes to help achieve results. With a deep history of client loyalty and enduring relationships, Shawn McMahon, Kathy Rand, and Eric Gallo focus on what is most important to you. They provide the skills, relevant strategies and disciplined process to help you make informed decisions about your future and your family.
Shawn, Kathy, and Eric use their astute problem-solving skills coupled with an impassioned willingness to roll up their sleeves and identify forward-thinking strategies that can help meet and exceed your particular objectives. They believe the more complex your situation, the more valuable they are to you, and the more rewarding your overall experience can potentially be. They combine the world-class resources of a premium global firm, Morgan Stanley, with the intimate relationship you expect from a boutique firm. The Convergence Group is proud to have been named one of Forbes Magazine's Best-In-State Wealth Management Teams the past three years.
The Convergence Group takes pride in the services and solutions they offer clients and welcome the opportunity to deliver the same white-glove service to you and your family.
Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC for the period 3/31/23-3/31/24
The Convergence Group at Morgan Stanley has decades of combined experience, who knows what it takes to help achieve results. With a deep history of client loyalty and enduring relationships, Shawn McMahon, Kathy Rand, and Eric Gallo focus on what is most important to you. They provide the skills, relevant strategies and disciplined process to help you make informed decisions about your future and your family.
Shawn, Kathy, and Eric use their astute problem-solving skills coupled with an impassioned willingness to roll up their sleeves and identify forward-thinking strategies that can help meet and exceed your particular objectives. They believe the more complex your situation, the more valuable they are to you, and the more rewarding your overall experience can potentially be. They combine the world-class resources of a premium global firm, Morgan Stanley, with the intimate relationship you expect from a boutique firm. The Convergence Group is proud to have been named one of Forbes Magazine's Best-In-State Wealth Management Teams the past three years.
The Convergence Group takes pride in the services and solutions they offer clients and welcome the opportunity to deliver the same white-glove service to you and your family.
Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC for the period 3/31/23-3/31/24
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- 401(k) Rollovers
- Corporate Retirement PlansFootnote3
- Qualified Retirement PlansFootnote4
- Defined Contribution PlansFootnote5
- Estate Planning StrategiesFootnote6
- Planning for Education FundingFootnote7
- 529 PlansFootnote8
- Planning for Individuals with Special Needs and their Families
- Trust AccountsFootnote9
- Cash Management and Lending ProductsFootnote10
- Asset Management
- Exchange Traded FundsFootnote11
- Alternative InvestmentsFootnote12
- Professional Portfolio ManagementFootnote13
- Wealth ManagementFootnote14
- Endowments and FoundationsFootnote15
- Life InsuranceFootnote16
- Long Term Care InsuranceFootnote17
- AnnuitiesFootnote18
- Donor Advised Funds
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Planning Process
To reach your goals, you need a wealth plan informed by a comprehensive assessment of your current budget and finances, clear objectives and sound advice that puts you in the center of the process. The Convergence Group at Morgan Stanley uses a four-step Goals Planning System (GPS) to create your personal roadmap towards financial achievement and protection.
1. Discover: Understand your values, objectives and quantify your goals.
2. Advise: Create a tailored wealth plan to help keep you on track.
3. Implement: Add value with tax-aware and cost-sensitive capabilities.
4. Monitor: Continually track progress so that you know where you stand relative to your goals and adjust to changing needs and circumstances.
The Convergence Group's years of experience combined with Morgan Stanley’s state of the art technology, intellectual capital and extensive resources enables them to create customized, holistic plans that consist of:
- Professional Portfolio Management
- Advanced Risk Analytics
- Tax Mitigation Strategies
- Estate Planning Strategies
- Philanthropic and Legacy Planning
- Liquidity and Borrowing Needs
- Hedging and Monetization Strategies for Concentrated Equity Positions
The Convergence Group believes in regular communication, scheduled progress updates and continuous monitoring of plans seeking to ensure that clients remain on track toward meeting their goals.
1. Discover: Understand your values, objectives and quantify your goals.
2. Advise: Create a tailored wealth plan to help keep you on track.
3. Implement: Add value with tax-aware and cost-sensitive capabilities.
4. Monitor: Continually track progress so that you know where you stand relative to your goals and adjust to changing needs and circumstances.
The Convergence Group's years of experience combined with Morgan Stanley’s state of the art technology, intellectual capital and extensive resources enables them to create customized, holistic plans that consist of:
- Professional Portfolio Management
- Advanced Risk Analytics
- Tax Mitigation Strategies
- Estate Planning Strategies
- Philanthropic and Legacy Planning
- Liquidity and Borrowing Needs
- Hedging and Monetization Strategies for Concentrated Equity Positions
The Convergence Group believes in regular communication, scheduled progress updates and continuous monitoring of plans seeking to ensure that clients remain on track toward meeting their goals.
Our Planning Questionnaire
The Convergence Group delivers a personalized wealth management experience that begins with a meticulously crafted financial plan. To begin yours, please reference the attached link and contact a member of our team for assistance.
QuestionnaireOUR SUITE OF SERVICES
As your wealth grows, so does its complexities and the resources needed to manage it effectively. We leverage our experience and relationships to deliver innovative strategies that are tailored to your needs. We look forward to speaking with you to understand your challenges, so we may map out a strategy to achieve your particular priorities and goals.
Wealth Management
Wealth Management brings all the dimensions of your life together. We listen carefully to understand the connections across your personal life, your family, your career and your legacy goals to develop a comprehensive strategy that is uniquely yours.
Retirement Planning
One of our key areas of focus is helping you prepare for and thrive in retirement. From IRAs to RMDs, we manage the complexities of your comprehensive retirement plan assets, helping you easily transition to the next phase of your life with security and confidence.
Professional Portfolio Management
Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes about investing with careful analysis of the financial markets. Working together, we create a customized strategy that applies long-held investment principles to help your assets appreciate appropriately or generate cash-flow or income as you require.
Alternative Investments
Morgan Stanley’s global network affords us the ability to offer suitable clients a wide array of alternative investments to consider – from private equities and exchange funds to hedge funds and real estate investments. Our recommendations are based on your own goals and your tolerance for investment risk.
Cash Management Services
Creating adequate cash flow and securing liquidity are day-to-day aspects of implementing a financial strategy. We help you meet your personal cash management and borrowing needs, while thinking strategically about how specific approaches may affect current and long-term costs and taxes.
Estate Planning & Philanthropic Strategies
Delivering an estate to the next generation or favorite charity requires more attention than families often realize. We coordinate with your estate and tax professionals to align your legacy goals with the appropriate asset titling and beneficiary designation requirements, incorporating best practices to help enhance results.
Digital Capabilities
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that you should take advantage of.
• Total Wealth View – Access streamlined views of your assets and liabilities, including mortgage information, aggregated from all of your financial institutions
• Current Financial News – access up-to-date news, current market data, research, company profiles and quotes
• Access Import Documents – sign up for digital access to all of your financial documents
• Manage Everyday Finances – mobile check deposit, online bill pay, send money with Zelle and e-authorizations
Learn More About Morgan Stanley Online• Total Wealth View – Access streamlined views of your assets and liabilities, including mortgage information, aggregated from all of your financial institutions
• Current Financial News – access up-to-date news, current market data, research, company profiles and quotes
• Access Import Documents – sign up for digital access to all of your financial documents
• Manage Everyday Finances – mobile check deposit, online bill pay, send money with Zelle and e-authorizations
E-Delivery
Morgan Stanley Online has a variety of features that can enhance your digital experience and provide a deeper level of security. One of those tools, eDelivery, allows you to securely save, print, send and receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App.
Learn More About E-DeliveryTotal Wealth View
It’s hard to see the complete picture with only half the details. As a Morgan Stanley client, you can conveniently view your accounts from other financial institutions on Morgan Stanley Online or by using the Morgan Stanley Mobile App, giving you a more complete financial picture.
Learn More About Total Wealth ViewDigital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows clients and their families to build a central, shared document library where all documents are stored using encryption.
Learn More About Digital VaultRETIRE WITH CONFIDENCE
The Convergence Group at Morgan Stanley can help you map a comprehensive retirement plan that dynamically adjusts investing strategies based on the different stages of your life and accounts for your investing preferences, legacy goals and important life events. Let’s connect if you would like to learn more about how we can help you retire with confidence:
You’re Ready for Retirement. Is Your Portfolio?
What can you do to avoid running out of money in retirement? Fortunately, there are ways to help you prepare for the market's unknowns as you advance toward retirement.
Learn More Here
5 Mistakes to Avoid in Retirement
To keep your life and retirement goals on track, here are several pitfalls to avoid, as you embark on this new, exciting chapter in your life.
Learn More Here
You Work Hard, Make Your 401(k) Plan Work Harder
Retire the notion that it is still too early to save, and start saving early so you will have the freedom to enjoy your future in style.
Learn More Here
A Simple Six-Step Retirement Checkup
How much money is enough for a comfortable retirement? Here are three strategies that may help you optimize your plan in the year ahead.
Learn More Here
Tax-Smart Strategies for Your Retirement
Figuring out ways to minimize how much the IRS takes from your retirement money should be a central part of retirement planning. Consider these strategies to help you reduce your taxable income, generate tax-advantaged growth potential in your accounts and keep more of what you’ve worked so hard to save.
Learn More HereLocation
10 South Jefferson Street
Suite 1700
Roanoke, VA 24011
US
Direct:
(540) 725-3162(540) 725-3162
Fax:
(540) 449-0022(540) 449-0022
100 Front Street
Suite 600
West Conshohocken, PA 19428
US
Direct:
(610) 260-7182(610) 260-7182
Meet The Convergence Group
Senior Vice President, Wealth Management, Financial Advisor, Insurance Planning Director, Financial Planning Specialist
Phone:
(540) 725-3177(540) 725-3177
Gabby Poulton
Registered Client Service Associate
Phone:
(540) 725-3162(540) 725-3162
Hannah Zhang
Client Service Associate
Phone:
(540) 725-3160(540) 725-3160
About Shawn McMahon
One key to any journey is having a general sense of objective or destination. As a Certified Financial Planner®, I am tasked with assisting clients prepare financially for whatever it is they desire to achieve. My passion is to help people achieve their aspirations with Morgan Stanley’s help by using our collective wisdom, experience and resources. Simply put, I strive to make client’s dreams realities by making their savings work as hard as possible.
As the son of a teacher and a bank trust officer, I acquired the nurturing skills of an educator as well as the perspectives of managing wealth for accumulation, protection and distribution. Being a financial advisor has been a lifelong dream of mine. I love what I do and could not imagine doing anything else.
In my spare time I enjoy spending as much time as I can with my wife, Callie, and my two daughters, Natalie and Macy, and cooking outdoors.
As the son of a teacher and a bank trust officer, I acquired the nurturing skills of an educator as well as the perspectives of managing wealth for accumulation, protection and distribution. Being a financial advisor has been a lifelong dream of mine. I love what I do and could not imagine doing anything else.
In my spare time I enjoy spending as much time as I can with my wife, Callie, and my two daughters, Natalie and Macy, and cooking outdoors.
Securities Agent: IL, CO, WA, PA, NY, MO, FL, WY, NM, CT, TX, MN, LA, KS, TN, DE, AZ, MA, SD, OH, ID, NJ, MD, GA, CA, WV, WI, VA, IN, DC, MI, AL, SC, NH, NC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1279022
CA Insurance License #: #0G82029
NMLS#: 1279022
CA Insurance License #: #0G82029
About Katherine Rand
Kathy is a native of Grand Rapids, MI. She graduated from Ferris State University on a Volleyball scholarship. Shortly after graduating from college, she joined the regional firm of Robert W. Baird.
She moved to Roanoke in 1988 where she started working at PaineWebber (now UBS). In 1994 she moved to Dean Witter. In the past 25 years her responsibilities have ranged from detailed customer service, practice management and financial advisor. She is a Financial Planning Specialist.
Kathy lives with her husband, Bill and her two children, Jack and Jill. Prior to having her children, she and her husband enjoyed riding their Harley Davidson’s on rides ranging from Roanoke, VA to San Francisco, CA and from Canada to Key West, FL. Since selling their motorcycles after the arrival of their children she has taken an interest in home renovation projects and family genealogy. She has traveled to Europe to follow her family roots.
She moved to Roanoke in 1988 where she started working at PaineWebber (now UBS). In 1994 she moved to Dean Witter. In the past 25 years her responsibilities have ranged from detailed customer service, practice management and financial advisor. She is a Financial Planning Specialist.
Kathy lives with her husband, Bill and her two children, Jack and Jill. Prior to having her children, she and her husband enjoyed riding their Harley Davidson’s on rides ranging from Roanoke, VA to San Francisco, CA and from Canada to Key West, FL. Since selling their motorcycles after the arrival of their children she has taken an interest in home renovation projects and family genealogy. She has traveled to Europe to follow her family roots.
Securities Agent: SC, MO, NY, NM, DC, SD, OR, KS, GA, CA, VA, TX, NJ, NH, ID, AZ, AL, LA, IL, PA, MN, MI, FL, WA, NC, IN, MA, TN, OH, CO, MD, DE, CT, WV, WI, WY; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1824421
CA Insurance License #: 0G81992
NMLS#: 1824421
CA Insurance License #: 0G81992
About Eric Gallo
Eric helps clients create a roadmap for their financial future that integrates wealth planning, asset allocation recommendations, access to cash management, estate planning strategies and risk management. He strives to understand the entire financial picture of the team’s clients—including their goals, risk tolerance and priorities—and then works to implement customized solutions that align with these factors. Eric’s objective is to deliver authenticity, genuine care and commitment to every client family.
Eric was recruited by Virginia Tech to play football, and he graduated cum laude with a B.S. in finance. He was the captain of the football team and a three-year starter at center, earning the school’s Top Academic Performer award for the entire athletic department. His successful career at Virginia Tech led to an invitation to the Philadelphia Eagles mini camp. These experiences developed many of the foundational principles for Eric’s career as a Financial Advisor today—he acquired the discipline, leadership and collaboration skills he uses to help clients work toward their objectives and aspirations. Eric has a deep understanding of teamwork and how to work together to deliver a common goal.
Eric grew up in the Philadelphia area and currently lives in Bucks County. In his free time, he enjoys reading, golfing, listening to podcasts, going to the beach and watching sports.
Eric was recruited by Virginia Tech to play football, and he graduated cum laude with a B.S. in finance. He was the captain of the football team and a three-year starter at center, earning the school’s Top Academic Performer award for the entire athletic department. His successful career at Virginia Tech led to an invitation to the Philadelphia Eagles mini camp. These experiences developed many of the foundational principles for Eric’s career as a Financial Advisor today—he acquired the discipline, leadership and collaboration skills he uses to help clients work toward their objectives and aspirations. Eric has a deep understanding of teamwork and how to work together to deliver a common goal.
Eric grew up in the Philadelphia area and currently lives in Bucks County. In his free time, he enjoys reading, golfing, listening to podcasts, going to the beach and watching sports.
Securities Agent: CA, GA, TX, WV, VA, TN, NY, MN, AZ, AL, WA, MD, IL, SD, NC, DC, WY, NJ, MI, FL, PA, ID, WI, OH, MA, KS, DE, CO, SC, MO, LA, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 1827768
NMLS#: 1827768
About Gabby Poulton
We would like to introduce Senior Registered Client Service Associate, Gabby Poulton. Gabby will be working with you on operational items including financial transactions. She holds her Series 7 and Series 66 licenses.
Gabby grew up in Sydney, Australia, and made her way to the U.S. in 2006, with her first stop being Tampa, Florida. She then moved to Roanoke, Virginia, in 2012 where she went to Roanoke College and graduated with a degree in Business Administration with a concentration in Human Resource Management. She has been working in the Wealth Management industry since 2017.
Gabby grew up in Sydney, Australia, and made her way to the U.S. in 2006, with her first stop being Tampa, Florida. She then moved to Roanoke, Virginia, in 2012 where she went to Roanoke College and graduated with a degree in Business Administration with a concentration in Human Resource Management. She has been working in the Wealth Management industry since 2017.
About Hannah Zhang
We would like to introduce our newest Client Service Associate, Hannah Zhang. Hannah is from Baltimore, Maryland and is currently enrolled at Roanoke College. Hannah started on our team in 2024 as an intern and has since progressed to a part time Client Service Associate. She will be graduating with a bachelors degree in Sports Management and a minor in Psychology.
Contact Shawn McMahon
Contact Katherine Rand
Contact Eric Gallo
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
Kristina Shifflett
Private Banker
Managing Director, Wealth Management, Financial Advisor, Senior Institutional Consultant, Family Wealth Director, Workplace Advisor – Equity Compensation
Katie Thompson, CFP®
Financial Planning Director, Vice President
About Kristina Shifflett
Kristina Shifflett is a Private Banker serving Morgan Stanley Wealth Management offices in North Carolina and Virginia.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kristina began her career in financial services in 1995, and joined Morgan Stanley in 2005 as a Client Service Associate. Prior to joining the firm, she was an Operations Manager at Wachovia Securities.
Kristina lives in Raleigh, North Carolina with her dog Rosco. Outside of the office, she enjoys traveling, spending time with her children, puzzles, baking, gardening, and crafting.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Kristina began her career in financial services in 1995, and joined Morgan Stanley in 2005 as a Client Service Associate. Prior to joining the firm, she was an Operations Manager at Wachovia Securities.
Kristina lives in Raleigh, North Carolina with her dog Rosco. Outside of the office, she enjoys traveling, spending time with her children, puzzles, baking, gardening, and crafting.
NMLS#: 1709833
About Katie Thompson
Katie Thompson is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Southern Virginia. She is responsible for helping Financial Advisors with their clients’ and prospects’ financial planning needs.
Katie began her career in financial services in 2007 and joined Morgan Stanley in 2022. Prior to her current position, she served as a Financial Planning Coordinator and, later, an Investment Executive at a regional financial services firm.
Katie graduated from the University of Richmond and holds her CERTIFIED FINANCIAL PLANNER™ designation. She and her family live in Richmond, Virginia. Outside of work, Katie enjoys gardening, reading, and cooking.
Katie began her career in financial services in 2007 and joined Morgan Stanley in 2022. Prior to her current position, she served as a Financial Planning Coordinator and, later, an Investment Executive at a regional financial services firm.
Katie graduated from the University of Richmond and holds her CERTIFIED FINANCIAL PLANNER™ designation. She and her family live in Richmond, Virginia. Outside of work, Katie enjoys gardening, reading, and cooking.
Private Bankers, Ultra High Net Worth (“UHNW”) Sales Specialists, Lending Advisors, Mortgage Consultants, Relationship Managers, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Morgan Stanley 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.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Morgan Stanley 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
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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.
Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
- Wealth Transfer & Philanthropy
- Private Banking Solutions
- Family Governance & Wealth Education
- Lifestyle Advisory
Ready to start a conversation? Contact The Convergence Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3When 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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5When 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.
6Morgan 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.
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.
8Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
9Morgan 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.
10Morgan 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
11An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
12Alternative 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.
13Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
14Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
15Morgan 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.
16Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
17Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
18Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3When 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.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5When 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.
6Morgan 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.
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.
8Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
9Morgan 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.
10Morgan 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
11An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
12Alternative 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.
13Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
14Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
15Morgan 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.
16Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
17Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
18Annuities 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), 3582895 (6/2024)
