James Maus
Executive Director, Financial Advisor, Portfolio Management Director
Phone:
(954) 267-5672(954) 267-5672
The Coral Ridge Group at Morgan Stanley
James MausFred Walker, CFP®, ChFC®Charlie DoughertyLeeAnn Azzara, CFP®, CRPS®Richard Dinh, CFP®Brandon Johnson
Direct:
(954) 267-5610(954) 267-5610
Toll-Free:
(800) 327-8323(800) 327-8323
Our Mission Statement
Helping clients like you achieve all of your retirement and investment goals.
Knowledge. Integrity. Experience.
No two clients are alike. Whether they are affluent families, trusts or foundations, we devote a significant amount of time developing a thorough understanding of their unique goals and offer an experienced perspective to help build, manage and preserve their wealth. By working closely with our clients and their other professional advisors, we are able to provide integrated solutions that work together to achieve their financial goals. We understand that significant wealth presents a unique set of challenges and opportunities. By leveraging the full resources of Morgan Stanley's global platform, we offer an array of products and services to address the full spectrum of our clients' wealth management needs.
The Campbell Group is proud to be recognized as one of Forbes Best-In-State Wealth Management Teams for 2023.
2023 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22. Awards Disclosures
The Campbell Group is proud to be recognized as one of Forbes Best-In-State Wealth Management Teams for 2023.
2023 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22. Awards Disclosures
Services Include
- Corporate Trust Services
- Endowments and FoundationsFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Stock Option PlansFootnote4
- Trust AccountsFootnote5
- 401(k) Rollovers
- AnnuitiesFootnote6
- Cash ManagementFootnote7
- Certificates of DepositFootnote8
- Estate Planning StrategiesFootnote9
- Life InsuranceFootnote10
- Long Term Care InsuranceFootnote11
- Municipal BondsFootnote12
- 529 PlansFootnote13
- Alternative InvestmentsFootnote14
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
As your dedicated wealth management team, our role is to tailor a personalized financial strategy which fits your needs. In our experience working with clients, we have developed a step-by-step approach to service:
Discovery Process
We take the time to fully understand you and your family – whether you’re planning for retirement, purchasing a home, or living out your golden years – we consider virtually all of your challenges, goals, and aspirations when building your financial picture.
Forming Your Strategy
Using your life goals as our compass, we create a risk-balanced strategy which maps a clear path to helping achieve your success.
Implementing Your Plan
We apply extensive research and analysis, and also utilize Morgan Stanley’s full suite of resources, to ensure swift decisive action in various market scenarios.
Measuring Your Success
We check in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards your goals. Our ultimate mission is your success and well-being.
Digital Tools
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About MSO
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts. Our Spending and Budgeting Tool makes it easy for you and your Financial Advisor to see your complete financial picture.
Spending and Budgeting Tool
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Enroll in eDelivery
Online Security Center
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Online Security
Digital Vault
Easily and conveniently manage and share life’s most important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings. Digital Vault allows for easy document sharing, convenient access, and encrypted files.
Access Digital VaultMorgan Stanley provides clients with resources meant to transform complex financial analysis and research into concise and easily digestible content. The links below offer insight into the modern market and economic landscape.
Morgan Stanley Ideas Podcast
From the use of satellite data technology to solve some of the world's most complex problems, to learning how not to follow the crowd when making decisions, The Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond. Click the link below for more information and to access a library of interesting content.
Latest Episode
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Check Out The Latest Episode
Investment Research
Through timely, in-depth analysis of companies, industries, markets, and world economies, Morgan Stanley has earned its reputation as a leader in the field of investment research.
Latest Research from the Firm
Global Investment Committee Weekly Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read GIC Weekly ReportLocation
350 East Las Olas Blvd
Ste 1500
Ft Lauderdale, FL 33301
US
Direct:
(954) 267-5610(954) 267-5610
Toll-Free:
(800) 327-8323(800) 327-8323
Meet The Coral Ridge Group
Phone:
(954) 267-5610(954) 267-5610
Phone:
(954) 762-3007(954) 762-3007
Financial Advisor, Financial Planning Specialist, CERTIFIED FINANCIAL PLANNER®, CHARTERED RETIREMENT PLANS SPECIALIST, Retirement Plan Consultant, Portfolio Manager
Phone:
(954) 267-5710(954) 267-5710
Richard Dinh, CFP®
Wealth Management Associate, Financial Planning Specialist
Phone:
(954) 267-5671(954) 267-5671
Brandon Johnson
Registered Client Service Associate
Phone:
(954) 713-8490(954) 713-8490
About James Maus
James is a true native of Florida, having been a resident of Fort Lauderdale his entire life.
He attended Stonehill College in Easton, MA, graduating with a B.S. in Business Administration.
James began his career in the financial industry in 1987 at the Chicago Mercantile Exchange for Northern Futures, a subsidiary of Northern Trust Bank. He then became a member of the Chicago Mercantile Exchange and traded in currency and financial futures.
He returned to Florida in 1992 as a Financial Advisor with Morgan Keegan and joined Morgan Stanley in 2004.
James is NASD Series 7, 63, 31, and Insurance licensed and holds the designation of Senior Vice President and Senior Portfolio Manager.
He attended Stonehill College in Easton, MA, graduating with a B.S. in Business Administration.
James began his career in the financial industry in 1987 at the Chicago Mercantile Exchange for Northern Futures, a subsidiary of Northern Trust Bank. He then became a member of the Chicago Mercantile Exchange and traded in currency and financial futures.
He returned to Florida in 1992 as a Financial Advisor with Morgan Keegan and joined Morgan Stanley in 2004.
James is NASD Series 7, 63, 31, and Insurance licensed and holds the designation of Senior Vice President and Senior Portfolio Manager.
Securities Agent: DC, UT, TN, OR, GA, AZ, TX, RI, OH, MT, MA, KS, WV, OK, CO, CA, VA, NH, MS, IN, PR, PA, NC, MO, KY, MN, WI, NY, NE, ME, LA, CT, WA, VT, SC, MD, FL, NV, ID, HI, AL, NJ, MI, IL, DE; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1255754
NMLS#: 1255754
About Fred Walker
As a CERTIFIED FINANCIAL PLANNER™ professional, Fred adds considerable value to the team as well as to clients.
A graduate of the University of Florida, Fred earned his B.S. in Business Administration & Information Technology. In 2006, he returned to the University of Florida and earned his Masters in Business Administration.
Fred enjoyed a unique childhood, living in Thailand, Egypt, the Bahamas, and his family home in Maine. He travels frequently and has visited over 30 countries.
As well as being a CERTIFIED FINANCIAL PLANNER™, he holds the designations of Senior Vice President and Senior Portfolio Manager.
A graduate of the University of Florida, Fred earned his B.S. in Business Administration & Information Technology. In 2006, he returned to the University of Florida and earned his Masters in Business Administration.
Fred enjoyed a unique childhood, living in Thailand, Egypt, the Bahamas, and his family home in Maine. He travels frequently and has visited over 30 countries.
As well as being a CERTIFIED FINANCIAL PLANNER™, he holds the designations of Senior Vice President and Senior Portfolio Manager.
Securities Agent: MS, IL, WI, NH, KS, CT, NV, MI, IN, OH, NE, ID, HI, VA, TX, SC, RI, LA, GA, FL, VT, PA, OK, NC, MN, DC, AL, OR, CA, WV, WA, UT, PR, MO, MA, CO, TN, ME, KY, DE, AZ, NY, NJ, MT, MD; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1261748
NMLS#: 1261748
About Charlie Dougherty
Charlie is a Financial Advisor, First Vice President and Senior Portfolio Manager for the Campbell Group at Morgan Stanley. Charlie has had an impressive career spanning over three decades. He earned his Bachelor’s Degree in Business from St Mary’s College in Winona, Minnesota in 1980.
Charlie grew up in International Falls, Minnesota, and currently resides in Fort Lauderdale, Florida. After completing his college education, he started his career at Thompson McKinnon Securities, where he worked for eight years until 1988. He then moved on to Prudential Securities, where he worked for 15 years before joining Wachovia Securities, where he worked for six years until 2009 when he joined Morgan Stanley.
Charlie is a proud father of four children and has five grandchildren. In his free time, he enjoys practicing the art of bonsai and has been a dedicated bonsai artist for over 25 years. Charlie also loves spending time in nature, particularly houseboating in the wilderness.
Throughout his career, Charlie has demonstrated a deep commitment to his clients and their financial well-being. His extensive experience in the financial industry have earned him a well-deserved reputation as a trusted and reliable advisor.
Charlie grew up in International Falls, Minnesota, and currently resides in Fort Lauderdale, Florida. After completing his college education, he started his career at Thompson McKinnon Securities, where he worked for eight years until 1988. He then moved on to Prudential Securities, where he worked for 15 years before joining Wachovia Securities, where he worked for six years until 2009 when he joined Morgan Stanley.
Charlie is a proud father of four children and has five grandchildren. In his free time, he enjoys practicing the art of bonsai and has been a dedicated bonsai artist for over 25 years. Charlie also loves spending time in nature, particularly houseboating in the wilderness.
Throughout his career, Charlie has demonstrated a deep commitment to his clients and their financial well-being. His extensive experience in the financial industry have earned him a well-deserved reputation as a trusted and reliable advisor.
Securities Agent: AZ, MD, MA, HI, CO, CA, RI, OK, OH, NH, MT, MS, VT, NJ, ME, LA, DC, AL, NE, MN, WA, UT, OR, NY, MI, VA, TN, NV, DE, CT, SC, NC, KY, WI, KS, IL, GA, WV, PA, IN, FL, MO, TX; General Securities Representative; Investment Advisor Representative
About LeeAnn Azzara
With a passion for empowering individuals and families on their financial journeys, LeeAnn stands out as a dedicated advisor who goes above and beyond to help deliver exceptional wealth management services. Holding dual degrees in Finance and Marketing, along with a minor in French from Florida State University, LeeAnn has continuously expanded her experience and knowledge.
LeeAnn began her career in the Financial Services Industry with Charles Schwab & Co. She gained valuable experience trading various securities for both High Net Worth clients and Active Traders. However, she soon realized the importance of building deep connections with her clients. This led her to transition to the consulting side of the business, where she could work closely with her clients and provide personalized guidance.
In 2023, LeeAnn completed her CERTIFIED FINANCIAL PLANNER™ designation. She upholds the highest standards of integrity and professionalism with her clients. Holding licenses such as the Series 7, 63, 66, and FL Life & Health Insurance, she remains well-equipped to address her clients' diverse financial needs.
LeeAnn is also a CHARTERED RETIREMENT PLANS SPECIALIST™, which is a designation for business-focused retirement plan advisors. CRPS® professionals advise firms and help them implement and maintain retirement plans.
LeeAnn was honored as a member of the Morgan Stanley Pacesetters Club in 2025, which represents a group of the Firm’s successful Financial Advisors.
LeeAnn was born in Montreal, Canada but grew up on the small island of Nassau, The Bahamas. Her culturally diverse upbringing fostered a passion for connecting with people of all backgrounds – a quality she carries into her financial advising practice. In her free time, LeeAnn enjoys traveling, skiing, cooking, Pilates and other outdoor activities.
LeeAnn began her career in the Financial Services Industry with Charles Schwab & Co. She gained valuable experience trading various securities for both High Net Worth clients and Active Traders. However, she soon realized the importance of building deep connections with her clients. This led her to transition to the consulting side of the business, where she could work closely with her clients and provide personalized guidance.
In 2023, LeeAnn completed her CERTIFIED FINANCIAL PLANNER™ designation. She upholds the highest standards of integrity and professionalism with her clients. Holding licenses such as the Series 7, 63, 66, and FL Life & Health Insurance, she remains well-equipped to address her clients' diverse financial needs.
LeeAnn is also a CHARTERED RETIREMENT PLANS SPECIALIST™, which is a designation for business-focused retirement plan advisors. CRPS® professionals advise firms and help them implement and maintain retirement plans.
LeeAnn was honored as a member of the Morgan Stanley Pacesetters Club in 2025, which represents a group of the Firm’s successful Financial Advisors.
LeeAnn was born in Montreal, Canada but grew up on the small island of Nassau, The Bahamas. Her culturally diverse upbringing fostered a passion for connecting with people of all backgrounds – a quality she carries into her financial advising practice. In her free time, LeeAnn enjoys traveling, skiing, cooking, Pilates and other outdoor activities.
Securities Agent: DE, CT, TX, ME, MA, KS, OH, MS, VT, TN, NV, MO, IA, CA, AL, SD, PR, NC, KY, ID, VA, SC, RI, NY, MD, IL, CO, UT, OK, NM, NJ, WY, MN, HI, FL, WI, NH, MT, LA, IN, AZ, WV, WA, NE, MI, GA, DC, PA, OR; General Securities Representative; Investment Advisor Representative
NMLS#: 2088508
NMLS#: 2088508
About Richard Dinh, CFP®
Richard brings a multigenerational component to the practice, helping demonstrate to high-net-worth families and individuals that a team member will continue to service not just existing clients but their children and grandchildren, as well.
While new to South Florida, Richard is actively involved in the community through leadership positions in various non-profit organizations. He was even honored by The Cystic Fibrosis Foundation as one of Fort Lauderdale's Finest. Honorees were selected based on their proven leadership, professional accomplishments and their dedication to the community.
In addition to staying active in his community, Richard enjoys traveling, playing sports, and trying new foods.
A graduate of The Ohio State University, Richard earned a bachelor's degree in business administration with a concentration in finance.
He is a CERTIFIED FINANCIAL PLANNER™ and holds the Series 7, Series 66 and Life, Health and Variable Annuity licenses.
While new to South Florida, Richard is actively involved in the community through leadership positions in various non-profit organizations. He was even honored by The Cystic Fibrosis Foundation as one of Fort Lauderdale's Finest. Honorees were selected based on their proven leadership, professional accomplishments and their dedication to the community.
In addition to staying active in his community, Richard enjoys traveling, playing sports, and trying new foods.
A graduate of The Ohio State University, Richard earned a bachelor's degree in business administration with a concentration in finance.
He is a CERTIFIED FINANCIAL PLANNER™ and holds the Series 7, Series 66 and Life, Health and Variable Annuity licenses.
About Brandon Johnson
Brandon has been with Morgan Stanley since 2020 and in the financial industry since 2017. He’s a descendent from Caribbean parents from Grenada, born in Los Angeles, CA, raised in South Florida majority of his life. He’s a graduate of Flagler College with a Bachelor’s degree in Business Administration. His hobbies include playing basketball, weight lifting, and traveling. He currently holds the Series 7, 63 & 65 licenses. Brandon’s role includes various day-to-day operations and interacting with clients.
Contact James Maus
Contact Fred Walker
Contact Charlie Dougherty
Contact LeeAnn Azzara
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
John Fanning
Senior Private Banker
Leticia Teixeira, CFP®, CEPA®
Financial Planning Director, Vice President
About John Fanning
John Fanning is a Private Banker serving Morgan Stanley Wealth Management offices in Florida.
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.
John began his career in financial services in 1992, and joined Morgan Stanley in 2010 as a Financial Advisor. Prior to joining the firm, he was a Commercial Banker at SunTrust Bank (now Truist Bank) and Bank United. He also also served as a Finance Manager at Merrill Lynch Business Financial Services.
John is a graduate of Florida Atlantic University, where he received a Bachelor of Science in Finance. He lives in Fort Lauderdale, Florida with his family. Outside of the office, John enjoys coaching and watching his sons excel in sports, spending time with family and friends, and cheering on all South Florida sports team.
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.
John began his career in financial services in 1992, and joined Morgan Stanley in 2010 as a Financial Advisor. Prior to joining the firm, he was a Commercial Banker at SunTrust Bank (now Truist Bank) and Bank United. He also also served as a Finance Manager at Merrill Lynch Business Financial Services.
John is a graduate of Florida Atlantic University, where he received a Bachelor of Science in Finance. He lives in Fort Lauderdale, Florida with his family. Outside of the office, John enjoys coaching and watching his sons excel in sports, spending time with family and friends, and cheering on all South Florida sports team.
NMLS#: 803783
About Leticia Teixeira
Leticia Teixeira, CFP®, CEPA® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Southeast Florida. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Leticia began her career in financial services in 2011 and joined Morgan Stanley in 2020. Prior to her current position, she worked at multiple Financial Services firms in Florida including RBC, Itaú and UBS.
Leticia graduated from Florida International University with a B.A. in Psychology and obtained an MBA in Organizational Management from Carlos Albizu University. She holds her Certified Financial Planner® and Certified Exit Planning Advisor® designations.
Outside of work, Leticia enjoys practicing her photography skills, family trips and volunteering at school activities. Leticia is originally from Sao Paulo, Brazil and she is fluent in English and Portuguese, and conversational in Spanish. She currently lives in Broward, FL with her husband and 2 children.
Leticia began her career in financial services in 2011 and joined Morgan Stanley in 2020. Prior to her current position, she worked at multiple Financial Services firms in Florida including RBC, Itaú and UBS.
Leticia graduated from Florida International University with a B.A. in Psychology and obtained an MBA in Organizational Management from Carlos Albizu University. She holds her Certified Financial Planner® and Certified Exit Planning Advisor® designations.
Outside of work, Leticia enjoys practicing her photography skills, family trips and volunteering at school activities. Leticia is originally from Sao Paulo, Brazil and she is fluent in English and Portuguese, and conversational in Spanish. She currently lives in Broward, FL with her husband and 2 children.
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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Ready to start a conversation? Contact The Coral Ridge 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 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.
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 or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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
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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
13Investors 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.
14Alternative 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.
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 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.
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 or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7Morgan 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
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.
10Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
13Investors 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.
14Alternative 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.
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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)
