Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director
The Copilot Group at Morgan Stanley
Our Mission Statement
Boutique in service. Institutional in strength.
We deliver tailored, high-touch wealth strategies for founders and families with complex needs and evolving priorities.
We deliver tailored, high-touch wealth strategies for founders and families with complex needs and evolving priorities.
Our Story and Services
At The Copilot Group, we serve as a financial concierge - personal CFO for executives, families, and founders navigating the complexity that comes with significant wealth.
Our clients come to us when life gets more complicated—after a liquidity event, during a leadership transition, or when the stakes are simply too high to leave anything to chance.
We don't flood you with noise or reports. We curate what matters, anticipate what's ahead, and deliver coordinated strategies aligned with your goals, your timeline, and your legacy—working seamlessly across your legal, tax, and estate planning relationships.
Whether you're preparing for a liquidity event, managing equity compensation, or planning a lasting legacy, we provide boutique-level guidance with the institutional strength of Morgan Stanley.
Boutique in feel. Institutional in capability.
Welcome to The Copilot Group.
Services Include
- Professional Portfolio ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Planning for Education FundingFootnote5
- Cash Management and Lending ProductsFootnote6
- Alternative InvestmentsFootnote7
- Philanthropic ManagementFootnote8
- Donor Advised Funds
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
How We Work
Precision Planning. Concierge Execution.
Our clients don't come to us looking for more information—they come to us seeking clarity.
Whether you're navigating a liquidity event, managing concentrated equity, or rethinking your long-term plan, our approach is built to make decisions easier, strategies smarter, and outcomes more aligned with your life.
We combine the discretion and attention of a boutique firm with the capabilities of a global institution—delivering curated advice, seamless execution, and relentless follow-through.
Our Approach
1. Build Your Personal Balance Sheet
We begin with a comprehensive view of your financial world—assets, liabilities, income, cash flow, equity exposure, and risk profile. This foundation becomes the lens through which we evaluate every opportunity and risk.
2. Clarify Priorities and Timing
Through deep understanding, we identify the transitions ahead and the outcomes that matter—whether it's managing concentrated equity, preparing for a liquidity event, funding future generations, or preparing for retirement. Your plan is anchored around your ambitions, timeline, and desired outcomes.
3. Design a Tailored Strategy
We translate your priorities into a unified plan—spanning investments, tax optimization, income planning, wealth transfer, and philanthropic goals.
4. Coordinate and Execute
We handle implementation with discipline and efficiency—aligning assets, executing tax strategies, and proactively managing transitions. We stay in close contact to reduce friction and proactively manage transitions as they arise.
5. Monitor, Adjust, Refine
Life evolves. So does our guidance. We continuously reassess your strategy, track performance, evaluate tax exposure, and adjust as markets and priorities shift.
Why It Feels Different
- Boutique Experience: We limit our client base so we can go deeper—strategically and personally—with every relationship.
- Clarity Over Clutter: You get curated insight, timely action, and a plan that's always relevant—no noise, no nonsense.
- Built for Complexity: From equity compensation and legacy planning to private investments and trust structures—we're built for the decisions that matter most.
We help you reclaim time, reduce friction, and gain clarity across every financial decision.
Let's begin with your personal balance sheet. Schedule a confidential introduction.
Strategic Solutions for Complex Wealth
Liquidity & Equity Planning
- Pre- and post-liquidity planning
- Equity compensation strategies
- Diversification of concentrated equity
- Structured lending
- QSBS and tax mitigation planning
Long-Term Wealth Strategy
- Customized investment strategy built around your liquidity needs, tax profile, and long-term goals
- Portfolio design and risk alignment
- Tax-aware asset location
- Income and retirement planning
- Ongoing performance optimization
Legacy & Generational Planning
- Wealth transfer and estate coordination
- Trust design and integration
- Strategic gifting
- Philanthropic structures
- Family education and continuity
Private Access & Alternative Solutions
- Private equity and credit
- Hedge funds and liquid alternatives
- Customized lending
- Insurance-based wealth strategies
What Makes It Different
- Curated, not cluttered
- Access with context
- Executed seamlessly
Recognition Rooted in Results
We don't seek recognition—we focus on doing the work that earns it.
Our priority is, and always will be, serving as thoughtful stewards of our clients' wealth. When our efforts are recognized beyond our client relationships, we view it as a reflection of the trust we've worked hard to earn and maintain.
These features highlight the standards we uphold, the results we deliver, and the responsibility we take seriously every day.
Forbes Best-In-State Wealth Management Teams Source: Forbes (Awarded Jan 2025). Data compiled by SHOOK Research LLC based for the period 3/31/23–3/31/24. https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025
2020, 2021, 2022, and 2023 Forbes Best-In-State Wealth Advisors Source: Forbes.com 2020, 2021, 2022, 2023. Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2021, 2022, and 2023 Forbes America's Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com 2021, 2022, 2023. Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Forbes Best in State Financial Advisor
2020-2023 - Ryan Seay
Forbes Top Next-Gen Wealth Advisor
2021-2023 - Ryan Seay
Senior Portfolio Management Director
Ryan Seay
Education and Licensing
• Bachelors of Science, Business Marketing W.P. Carey School of Business Arizona State University • CA Insurance Lic. #OF72028 • Series 7, 31, 66
Founders & Entrepreneurs
From startup to exit—and everything in between—we help founders make critical financial decisions at every stage.
- Pre- and post-liquidity planning
- Exit and succession strategy
- QSBS optimization and tax minimization
- Diversification of concentrated equity
- Lifestyle planning and philanthropic structuring
Public Company Executives
We bring clarity to complex compensation and long-term planning decisions.
- Equity compensation strategy (RSUs, ISOs, NSOs, ESPPs)
- 10b5-1 plans and diversification
- Tax-smart investment planning
- Liquidity and income structuring
- Retirement and legacy planning
Established Families
We help families simplify complexity, preserve wealth, and plan for legacy.
- Wealth preservation and cash flow planning
- Trust and estate coordination
- Charitable giving and donor-advised funds
- Strategic gifting and legacy planning
- Family education and financial continuity
Location
225 W Santa Clara St
Suite 900
San Jose, CA 95113
US
Direct:
(408) 947-2200(408) 947-2200
1333 N California Blvd
Suite 133
Walnut Creek, CA 94596
US
Direct:
(925) 939-5100(925) 939-5100
20400 Stevens Creek Blvd
Ste 350
Cupertino, CA 95014
US
Direct:
(408) 861-2080(408) 861-2080
609 Deep Valley Dr
Ste 400
Rolling Hills Est, CA 90274
US
Direct:
(310) 544-3603(310) 544-3603
Meet The Copilot Group
Nishant Shailendra
Senior Vice President, Financial Advisor, Portfolio Management Director
Phone:
(925) 930-3803(925) 930-3803
Phone:
(408) 947-3778(408) 947-3778
Nikesh Kadakia
First Vice President, Financial Advisor, Senior Portfolio Manager, Alternative Investments Director
Phone:
(310) 544-3603(310) 544-3603
Financial Advisor, Certified Private Wealth Advisor®, Certified Investment Management Analyst
Phone:
(408) 861-2080(408) 861-2080
Annie Tsan Wakayama
Wealth Management Associate
Phone:
(408) 947-3710(408) 947-3710
Aaron Hannigan
Registered Client Service Associate
Phone:
(925) 746-2972(925) 746-2972
About Ryan J. Seay
Ryan co-founded The Copilot Group to bring something different to wealth management: real clarity in a world full of noise.
He works with a select group of founders, executives, and established families with $5 million to $100 million+ in assets—helping them make confident, long-term financial decisions during periods of transition, growth, or complexity.
Named to the Forbes Best-In-State Wealth Advisors list, Ryan is known for his ability to connect personally, ask the right questions, and bring structure to even the most complex financial lives. He helps clients articulate what they truly want, confront what they fear, and move forward with a strategy that’s clear, grounded, and unemotional.
With over 20 years of experience, Ryan’s clients rely on him for direct answers, strategic thinking, and the ability to keep everything aligned—without the noise.
When he’s not working with clients, Ryan is enjoys spending time with his wife and three children, exploring the Bay Area, cooking over open fire, or planning the next family adventure.
He works with a select group of founders, executives, and established families with $5 million to $100 million+ in assets—helping them make confident, long-term financial decisions during periods of transition, growth, or complexity.
Named to the Forbes Best-In-State Wealth Advisors list, Ryan is known for his ability to connect personally, ask the right questions, and bring structure to even the most complex financial lives. He helps clients articulate what they truly want, confront what they fear, and move forward with a strategy that’s clear, grounded, and unemotional.
With over 20 years of experience, Ryan’s clients rely on him for direct answers, strategic thinking, and the ability to keep everything aligned—without the noise.
When he’s not working with clients, Ryan is enjoys spending time with his wife and three children, exploring the Bay Area, cooking over open fire, or planning the next family adventure.
Securities Agent: ID, FL, SC, MD, SD, OR, WA, HI, TN, NJ, KY, TX, MT, MI, AR, WI, NH, MN, ME, CT, CA, IN, IL, CO, UT, NV, NM, NC, MA, DC, AZ, NY, GA, VA, RI, PA, OH, MO, KS; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1278955
NMLS#: 1278955
About Nishant Shailendra
Nishant works closely with entrepreneurs, venture capitalists, and privately held companies to develop customized strategies before and after major liquidity events. A two-time founder himself, he brings real-world perspective to the financial decisions leaders face as they build, scale, and eventually transition their companies.
As a co-founder of The Copilot Group at Morgan Stanley, Nishant leads client strategy across investment planning, tax-aware diversification, and pre-liquidity estate design. His experience makes him a valued sounding board for founders and private clients navigating complexity, transition, and legacy planning.
Nishant earned his B.A. from the University of California, Davis, and lives in Walnut Creek with his wife and three daughters. Outside the office, he enjoys cooking, playing ice hockey, and spending time with his family.
As a co-founder of The Copilot Group at Morgan Stanley, Nishant leads client strategy across investment planning, tax-aware diversification, and pre-liquidity estate design. His experience makes him a valued sounding board for founders and private clients navigating complexity, transition, and legacy planning.
Nishant earned his B.A. from the University of California, Davis, and lives in Walnut Creek with his wife and three daughters. Outside the office, he enjoys cooking, playing ice hockey, and spending time with his family.
Securities Agent: PA, UT, SC, MA, AZ, ME, AR, KS, NH, OH, CT, TX, MT, MO, IN, FL, TN, DC, RI, CO, NC, NJ, WI, NM, NV, OR, SD, MI, VA, ID, OK, KY, IL, CA, GA, HI, MD, MN, NY, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 1430992
NMLS#: 1430992
About Shashi Bhagat
Shashi brings nearly three decades of experience helping high-net-worth families plan for what’s next—with a focus on estate strategies, legacy design, and risk-managed wealth transfer. She works closely with clients to align their financial plans with long-term family and philanthropic goals, often guiding multi-generational households through complex decisions.
An immigrant who began her career in financial services in 1995 with nothing but determination, Shashi is deeply committed to helping others protect and grow the wealth they’ve worked hard to build. She joined Morgan Stanley in 2001 after starting at Kemper Securities in San Jose.
At The Copilot Group, she plays a central role in developing advanced insurance strategies, family trust coordination, and values-based giving plans for ultra-high-net-worth clients.
Shashi earned her B.A. in Liberal Arts from Ravishankar University in India. She holds FINRA Series 7, 31, and 63 licenses as well as a California Insurance License.
Outside of work, Shashi enjoys meditation, cooking, travel, and time with her five grandchildren.
An immigrant who began her career in financial services in 1995 with nothing but determination, Shashi is deeply committed to helping others protect and grow the wealth they’ve worked hard to build. She joined Morgan Stanley in 2001 after starting at Kemper Securities in San Jose.
At The Copilot Group, she plays a central role in developing advanced insurance strategies, family trust coordination, and values-based giving plans for ultra-high-net-worth clients.
Shashi earned her B.A. in Liberal Arts from Ravishankar University in India. She holds FINRA Series 7, 31, and 63 licenses as well as a California Insurance License.
Outside of work, Shashi enjoys meditation, cooking, travel, and time with her five grandchildren.
Securities Agent: HI, OK, LA, AZ, RI, NV, NM, GA, CT, CA, WA, OH, ME, MA, DE, TN, SD, NY, NJ, MD, KS, VT, PA, OR, ID, AR, FL, SC, VA, TX, NH, KY, UT, MT, MO, MN, MI, IN, IL, CO, WV, WI, NE, DC, AL, NC, MS, IA, WY, PR, AK, VI, ND; General Securities Representative; Investment Advisor Representative
NMLS#: 1290413
CA Insurance License #: 0C17168
NMLS#: 1290413
CA Insurance License #: 0C17168
About Nikesh Kadakia
Nikesh leads portfolio construction, investment strategy, and alternative investment due diligence for The Copilot Group. With over two decades of experience in public markets and options trading, he brings a sharp eye for risk, opportunity, and execution across client portfolios.
His work focuses on building intelligent, tax-aware strategies—leveraging strategies for income and hedging, overseeing private market opportunities, and customizing investment plans to reflect each client’s unique needs. He’s known for his focus, intensity, and passion for helping clients grow and preserve wealth through disciplined, strategic decisions.
Prior to joining Morgan Stanley, Nikesh was a Portfolio Manager in Merrill Lynch’s Personal Investment Advisory Program. He earned his B.S. in Finance from the University of California, Riverside.
Outside of work, Nikesh lives in the South Bay with his wife Rakhi and their two teenage sons, Keshav and Rohin. As a parent of a child with Autism Spectrum Disorder and ADHD, Nikesh understands firsthand the importance of thoughtful, comprehensive financial planning—especially when life doesn’t follow a simple script.
His work focuses on building intelligent, tax-aware strategies—leveraging strategies for income and hedging, overseeing private market opportunities, and customizing investment plans to reflect each client’s unique needs. He’s known for his focus, intensity, and passion for helping clients grow and preserve wealth through disciplined, strategic decisions.
Prior to joining Morgan Stanley, Nikesh was a Portfolio Manager in Merrill Lynch’s Personal Investment Advisory Program. He earned his B.S. in Finance from the University of California, Riverside.
Outside of work, Nikesh lives in the South Bay with his wife Rakhi and their two teenage sons, Keshav and Rohin. As a parent of a child with Autism Spectrum Disorder and ADHD, Nikesh understands firsthand the importance of thoughtful, comprehensive financial planning—especially when life doesn’t follow a simple script.
Securities Agent: NE, LA, ID, AL, VT, OK, MO, IN, GA, FL, CA, AZ, TN, MN, SD, MD, DE, DC, WY, VI, TX, NV, ME, KY, IL, CO, VA, NM, KS, SC, MS, MI, IA, WV, NC, CT, AK, WI, RI, NH, MA, HI, AR, PA, OR, NY, NJ, ND, MT, OH, WA, UT, PR; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 557835
NMLS#: 557835
About Lin Yan
With a Ph.D. in Management Studies from the University of Cambridge, Lin brings academic depth and analytical rigor to every client engagement. Her career began in research and higher education, where she published extensively on global markets and strategic decision-making. That same intellectual discipline now guides her work with clients navigating complex financial challenges.
At The Copilot Group, Lin focuses on helping clients with concentrated stock positions, alternative investments, and values-aligned (ESG) portfolios. She is known for her methodical approach to building custom strategies that align capital with long-term purpose.
After relocating from the UK to the Bay Area, Lin transitioned from academia to wealth management—driven by her passion for solving real-world problems that impact families and their futures.
Outside the office, she serves as a regional alumni representative for Cambridge, volunteers with the Humane Society Silicon Valley, and stays active with swimming, tennis, volleyball, and the occasional James Bond movie marathon.
At The Copilot Group, Lin focuses on helping clients with concentrated stock positions, alternative investments, and values-aligned (ESG) portfolios. She is known for her methodical approach to building custom strategies that align capital with long-term purpose.
After relocating from the UK to the Bay Area, Lin transitioned from academia to wealth management—driven by her passion for solving real-world problems that impact families and their futures.
Outside the office, she serves as a regional alumni representative for Cambridge, volunteers with the Humane Society Silicon Valley, and stays active with swimming, tennis, volleyball, and the occasional James Bond movie marathon.
Securities Agent: MD, KY, DC, PA, SC, ME, MA, IL, HI, CO, UT, VA, NV, MO, MN, AZ, WI, TX, NJ, IN, NC, MI, GA, CT, TN, OR, NY, SD, MT, CA, AR, ID, FL, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 1767886
NMLS#: 1767886
About Annie Tsan Wakayama
Annie is often the first call our clients make—and for good reason. With over 26 years of experience supporting high-net-worth families, she ensures that every client interaction is timely, thoughtful, and seamless.
From onboarding and documentation to day-to-day account management and money movement, Annie handles the operational details so our clients can stay focused on the bigger picture. Her precision and responsiveness are essential to the high-touch experience The Copilot Group is known for.
Clients value her follow-through. We rely on her consistency. And after nearly two decades in the industry, Annie still brings the same level of care and attention to each relationship.
From onboarding and documentation to day-to-day account management and money movement, Annie handles the operational details so our clients can stay focused on the bigger picture. Her precision and responsiveness are essential to the high-touch experience The Copilot Group is known for.
Clients value her follow-through. We rely on her consistency. And after nearly two decades in the industry, Annie still brings the same level of care and attention to each relationship.
About Aaron Hannigan
Aaron plays a key role in client engagement at The Copilot Group—supporting ongoing outreach, proactive communication, and day-to-day responsiveness. He’s often the first to reach out when life changes, markets move, or opportunities arise.
Before joining Morgan Stanley in 2022, Aaron built his career in the fitness and sports marketing industries—first as a personal trainer, then in sales and strategy at a leading sports supplement company. His background gives him a unique perspective on discipline, client service, and the importance of clear goals.
Aaron earned his degree in Kinesiology from California State University, East Bay, where he also played on the baseball team. A lifelong Bay Area native, he now lives in Martinez with his wife, son, and their dog. Outside the office, he enjoys beach volleyball, hiking, and family time in the outdoors.
Before joining Morgan Stanley in 2022, Aaron built his career in the fitness and sports marketing industries—first as a personal trainer, then in sales and strategy at a leading sports supplement company. His background gives him a unique perspective on discipline, client service, and the importance of clear goals.
Aaron earned his degree in Kinesiology from California State University, East Bay, where he also played on the baseball team. A lifelong Bay Area native, he now lives in Martinez with his wife, son, and their dog. Outside the office, he enjoys beach volleyball, hiking, and family time in the outdoors.
Contact Ryan J. Seay
Contact Nishant Shailendra
Contact Shashi Bhagat
Contact Nikesh Kadakia
Contact Lin Yan
Wealth Management
Global Investment Office
Portfolio Insights
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Copilot Group today.
1Morgan 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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.
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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan 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
7Alternative 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.
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.
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Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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.
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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan 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
7Alternative 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.
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.
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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:
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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.
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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)
