Phone:
(480) 922-7930(480) 922-7930
The Cornerstone Group at Morgan Stanley
Direct:
(480) 922-7930(480) 922-7930
Toll-Free:
(800) 347-5107(800) 347-5107
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Story
The Cornerstone Group at Morgan Stanley advises a select number of clients; we develop customized strategies to help meet their long term investment objectives. Our team has experience in a wide range of complex wealth management strategies and techniques. Our goal is to thoroughly understand your financial needs and then align the resources to help you meet or exceed them. We can help you evaluate near-term concerns and plan for long-term goals, be a sounding board for investment ideas, assist you in developing and executing a strategy that is precisely your own and helps you meet your needs.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
At Morgan Stanley, we believe that identifying potential solutions begins with a solid understanding of each situation, goals, objectives, and risk tolerance. We follow a disciplined process that allows us to work with you to develop a strategy that can help meet your individual financial needs:
Introduction & Getting To Know You
Our initial conversation is built around getting to know everything about your family, goals, lifestyle and hobbies. We will then work together to identify your financial strengths and weaknesses by discussing your current investment portfolio, savings, habits and overall beliefs when it comes to the financial markets. This will allow us to custom tailor a strategy for you and your family.
Delivering Recommendations
The next part of the process is delivering and discussing the most important aspects of your financial picture. This includes discussing tax-efficiency/capital gains, portfolio risk as well as financial & estate planning strategies. Depending on what stage of life you are in we will also discuss education planning, tax-efficient withdrawals/planning for required minimum distributions, and best practices when preparing for retirement. Last but not least we will help optimize your ongoing cash & liability management strategy.
Implementation, Monitoring & Accountability
This is arguably one of the most important parts of the process because it requires action from both you and our team. The recommendations above will need to be implemented both internally here at Morgan Stanley, but more importantly by you making the necessary changes in order to implement the plan discussed above. In order to ensure that the plan is implemented we will meet periodically throughout the year to update your plan and discuss your progress. Client service and communication is paramount, therefore we make ourselves available for clients as needed.
Get Started
To get started with a complimentary financial plan, please schedule a meeting with us using the link below.
Schedule MeetingINDIVIDUAL PLANS FOR INDIVIDUALS LIKE YOU
Goals you set today will evolve over time. Our process is designed to evolve with them - and with the changing circumstances of your life. Holistic in its approach, our planning process will encompass all the elements of your financial and personal life, making sure they align with your current and future goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, our team can help you take charge of your financial future and achieve your goals.
Leveraging a sophisticated suite of analytical tools, as well as decades of industry experience, our team can help you take charge of your financial future and achieve your goals.
Certified Financial Planner® (CFP®)
CFP® professionals have met extensive training and experience requirements, and commit to CFP Board's ethical standards that require them to put their clients' interests first.
Andrew holds this designation.
Andrew holds this designation.
Certified Investment Management Analyst® (CIMA®)
Certified Investment Management Analyst® - CIMA® certification is the peak international, technical portfolio construction program for investment consultants, analysts, financial advisors and wealth management professionals.
Andrew holds this designation.
Andrew holds this designation.
Chartered Financial Analyst® (CFA®)
CFA® Charterholders are individuals who have earned the right to use the CFA® designation granted by CFA Institute. These Charterholders have satisfied certain requirements, including completion of the CFA Program and required years of acceptable work experience.
Brandon holds this designation.
Brandon holds this designation.
Certified Private Wealth Advisor® (CPWA®)
The Certified Private Wealth Advisor® designation (CPWA®) awarded by the Investments and Wealth Institute, is designed for Financial Advisors and consultants who work with high-net-worth clients. Financial Advisors with the CPWA® designation have successfully completed coursework in advanced wealth management strategies and applied concepts and have passed a comprehensive examination covering the following areas: advanced tax planning, asset protection, executive compensation plans, stock options, tax-efficient portfolios, business planning, retirement planning, charitable planning, and estate planning.
Vik holds this designation.
Vik holds this designation.
LifeView Intelligent Planning
LifeView is a suite of planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, holistic strategy that integrates the various aspects of an individual’s financial life, including investments and cash management needs.
Click Here to Learn More
Spending and Budgeting Tool
One way to manage savings is by using Morgan Stanley’s Spending and Budgeting tool. This tool helps advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
Click Here to Learn More
Aladdin - Portfolio Risk Tool
The Portfolio Risk Platform integrates the leading risk analytics engine into Morgan Stanley Wealth Management’s platform to improve the quality, transparency, and efficiency of the end to end risk management processes for the Firm and our Clients.
Click Here to Learn MoreVALUABLE TOOLS AND RESOURCES
We believe financial education leads to better insights into our investment strategy and better long-term decisions. As a result, we are committed to providing you with important information about managing your wealth more effectively in today’s global markets.
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice.
We have assembled the following resources that reinforce the fundamental investment strategies and concepts of our practice.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online Today
eDelivery
Sign up for eDelivery today and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App. It's quick, convenient & secure.
Enroll Today
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Learn More
Reserved Living and Giving
Reserved Living & Giving is a complimentary loyalty program available to clients with a minimum of $1M in AUM. It can help clients save time and money on travel, gifts, automobiles and more.
Learn More about MS Reserved
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your external account information, you will benefit from more informed and comprehensive wealth planning and convenient connectivity.
Learn more about Total Wealth ViewInvestor Resources
Timely market commentary, thought leadership and portfolio ideas to help guide your investment decisions.
GIC On the Markets
The latest edition of “On the Markets,” a monthly collection of the most timely research and strategy from Morgan Stanley & Co., Morgan Stanley Wealth Management and external partners.
GIC On the Markets
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
GIC Weekly Research Report
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.
Thoughts on the Market Podcast
Morgan Stanley Ideas Podcast
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.
Morgan Stanley Ideas PodcastLocation
14850 N Scottsdale Rd
Suite 600
Scottsdale, AZ 85254
US
Direct:
(480) 922-7930(480) 922-7930
Toll-Free:
(800) 347-5107(800) 347-5107
Meet The Cornerstone Group
Phone:
(480) 922-7928(480) 922-7928
Brandon Riley, CFA
Financial Advisor
Phone:
(480) 624-5742(480) 624-5742
Tamara Olson
Senior Registered Associate
Phone:
(480) 502-6085(480) 502-6085
Andre Lafleur
Registered Client Service Associate
Phone:
(480) 922-7878(480) 922-7878
About Andrew J Meyer
With almost 43 years of experience, Andrew worked in the investment industry since 1980 when he began his career with PaineWebber (now UBS Financial Services). He and the rest of the Cornerstone Group moved to Morgan Stanley in April of 2009, where they have solidified their place at one of the leading wealth management firms in the world.
Andrew lends his extensive experience to help customize solutions and strategies for individuals, families, plan sponsors and foundations. His focus routinely extends beyond traditional investments to include liability management, trust and estate planning, and philanthropic strategies, providing his clients with advice beyond the realm of their investments to their larger life goals.
Andrew is a Certified Financial Planner™ and also holds the Certified Investment Management Analyst™ designation, sponsored by the Investment Management Consultants Association. He received his BS in Finance and his MBA from Arizona State University. Andrew was listed as a Forbes Best-In-State Wealth Advisor for 2020, 2021, 2022, and 2023.
Disclosures:
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Jan 2020) Data compiled by SHOOK Research LLC based on time period from 6/30/18 - 6/30/19.
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Feb 2021) Data compiled by SHOOK Research LLC based on time period from 6/30/19 - 6/30/20.
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Forbes America's Top Wealth Advisors
Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Andrew lends his extensive experience to help customize solutions and strategies for individuals, families, plan sponsors and foundations. His focus routinely extends beyond traditional investments to include liability management, trust and estate planning, and philanthropic strategies, providing his clients with advice beyond the realm of their investments to their larger life goals.
Andrew is a Certified Financial Planner™ and also holds the Certified Investment Management Analyst™ designation, sponsored by the Investment Management Consultants Association. He received his BS in Finance and his MBA from Arizona State University. Andrew was listed as a Forbes Best-In-State Wealth Advisor for 2020, 2021, 2022, and 2023.
Disclosures:
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Jan 2020) Data compiled by SHOOK Research LLC based on time period from 6/30/18 - 6/30/19.
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Feb 2021) Data compiled by SHOOK Research LLC based on time period from 6/30/19 - 6/30/20.
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Forbes America's Top Wealth Advisors
Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Securities Agent: AZ, CO, CT, DC, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MT, NC, NH, NJ, NM, NV, NY, OH, OR, PA, SC, SD, TN, TX, UT, VA, VT, WA, WI, WY, CA, WV, AK; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1279166
CA Insurance License #: 0A52295
NMLS#: 1279166
CA Insurance License #: 0A52295
About Vik Krishnaswamy
Vikram "Vik" Krishnaswamy has worked in financial services for over a decade, and brings over 20 years of corporate retail experience working for industry leaders such as PetSmart Inc. and The Discount Tire Company before coming to Morgan Stanley.
As a Certified Private Wealth Advisor (CPWA®), Vik focuses on the life cycle of wealth, covering all aspects of accumulation, preservation, and distribution. With this designation, Vik is able to identify and analyze the unique challenges of high-net-worth individuals, and develop specific strategies designed to minimize taxes, monetize and protect assets, maximize growth, and transfer wealth.
Vik received his Bachelor of Commerce degree from Sydenham College at Bombay University, and his MBA from the Thunderbird School of Global Management in Glendale AZ.
As a Certified Private Wealth Advisor (CPWA®), Vik focuses on the life cycle of wealth, covering all aspects of accumulation, preservation, and distribution. With this designation, Vik is able to identify and analyze the unique challenges of high-net-worth individuals, and develop specific strategies designed to minimize taxes, monetize and protect assets, maximize growth, and transfer wealth.
Vik received his Bachelor of Commerce degree from Sydenham College at Bombay University, and his MBA from the Thunderbird School of Global Management in Glendale AZ.
Securities Agent: NC, NY, OR, NM, CO, HI, SC, WI, VA, SD, IL, AZ, FL, ID, KY, MO, MT, MI, IN, MN, NH, OH, WA, GA, CT, CA, IA, NJ, TX, AK, PA, KS, NV; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282528
CA Insurance License #: 0G49566
NMLS#: 1282528
CA Insurance License #: 0G49566
About Brandon Riley
Brandon Riley, CFA, is a Vice President at Morgan Stanley Wealth Management, where he has been a key member of The Cornerstone Group since joining the firm in 2013. Brandon is passionate about simplifying clients’ financial lives by leveraging best-in-class products, service, and people. He holds Morgan Stanley sponsored designations as a Portfolio Manager and Workplace Advisor – Equity Compensation.
Brandon earned his B.S. in Finance from the Eller College of Management at the University of Arizona. He is a holder of the right to use the Chartered Financial Analyst® designation and remains a member of the CFA Society of Phoenix.
Brandon earned his B.S. in Finance from the Eller College of Management at the University of Arizona. He is a holder of the right to use the Chartered Financial Analyst® designation and remains a member of the CFA Society of Phoenix.
Securities Agent: NM, NY, OH, OR, PA, SC, SD, TX, UT, VA, VT, WA, WI, WY, NV, NJ, WV, NH, NC, MT, MN, MI, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, FL, DC, CT, CO, CA, AZ, AK, MO; General Securities Representative; Investment Advisor Representative
NMLS#: 1633094
NMLS#: 1633094
About Tamara Olson
Tamara Olson joined Morgan Stanley in 2001 and has held various roles with the firm. Prior to Morgan Stanley, Tamara spent 15 years working in banking, working for a Mutual Fund, and spent time working for a Venture Capital Fund. Tamara supports clients in their day-to-day account needs and provides operational support to the team.
Outside of the office, Tamara loves spending her time hiking in the Arizona Mountains, reading a good book, and traveling.
Outside of the office, Tamara loves spending her time hiking in the Arizona Mountains, reading a good book, and traveling.
About Andre Lafleur
Andre Lafleur joined Morgan Stanley as a Virtual Advisor in 2018. In 2021, he transitioned to the Scottsdale branch to develop his skills to better serve clients. Andre supports clients in their day-to-day account needs and provides operational support to the team.
Outside of the office, Andre is a Boston sports fan, cheering on his Celtics and Patriots. He maintains his health by going to the gym and he is the occasional golfer. Andre is married to his wife Michelle and has a daughter named Chrisandra who will attend college in the fall of 2024.
Outside of the office, Andre is a Boston sports fan, cheering on his Celtics and Patriots. He maintains his health by going to the gym and he is the occasional golfer. Andre is married to his wife Michelle and has a daughter named Chrisandra who will attend college in the fall of 2024.
Contact Andrew J Meyer
Contact Vik Krishnaswamy
Contact Brandon Riley
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
Rick Dombrowski
Private Banker
Nikki Ranck
Private Banker
Drew Zager
Managing Director, Private Wealth Management, Private Wealth Advisor
Teddy Lopez
Planning Associate
About Rick Dombrowski
Rick Dombrowski is a Private Banker serving Morgan Stanley Wealth Management offices in Arizona.
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.
Rick began his career in financial services in 1996, and joined Morgan Stanley in 2014 as a Private Banker. Prior to joining the firm, he was a Private Banker at BBVA Compass. He also served as a Credit Analyst, Private Banker and Regional Credit Manager at Wells Fargo Bank, N.A.
Rick is a graduate of Arizona State University, where he received a Bachelor of Science in Finance. He lives in Scottsdale, Arizona with his family. Outside of the office, Rick enjoys music, skiing, and traveling.
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.
Rick began his career in financial services in 1996, and joined Morgan Stanley in 2014 as a Private Banker. Prior to joining the firm, he was a Private Banker at BBVA Compass. He also served as a Credit Analyst, Private Banker and Regional Credit Manager at Wells Fargo Bank, N.A.
Rick is a graduate of Arizona State University, where he received a Bachelor of Science in Finance. He lives in Scottsdale, Arizona with his family. Outside of the office, Rick enjoys music, skiing, and traveling.
NMLS#: 512436
About Nikki Ranck
Nikki Ranck is a Private Banker serving Morgan Stanley Wealth Management offices in Arizona and New Mexico.
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.
Nikki began her career in financial services in 2006, and joined Morgan Stanley in 2022 as a Private Banker. Prior to joining the firm, she was a Senior Client Service Associate at JP Morgan’s Private Bank. She also served as a Mortgage Banker and Branch Manager at JP Morgan Chase, and a Service Manager and Personal Banker at Wells Fargo Bank, N.A.
Nikki lives in Scottsdale, Arizona with her family. Outside of the office, she enjoys traveling and spending time with her family.
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.
Nikki began her career in financial services in 2006, and joined Morgan Stanley in 2022 as a Private Banker. Prior to joining the firm, she was a Senior Client Service Associate at JP Morgan’s Private Bank. She also served as a Mortgage Banker and Branch Manager at JP Morgan Chase, and a Service Manager and Personal Banker at Wells Fargo Bank, N.A.
Nikki lives in Scottsdale, Arizona with her family. Outside of the office, she enjoys traveling and spending time with her family.
NMLS#: 1075581
About Teddy Lopez
Teddy Lopez is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Teddy provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from the University of Notre Dame and received the Financial Planning Specialist® designation from the College for Financial Planning. Teddy is originally from Costa Mesa, California and currently resides in New York City, New York.
He earned his undergraduate degree from the University of Notre Dame and received the Financial Planning Specialist® designation from the College for Financial Planning. Teddy is originally from Costa Mesa, California and currently resides in New York City, New York.
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
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
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
Article Image
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
Article Image
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 Cornerstone 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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
3Morgan 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
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
7An 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.
8Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
9Municipal 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.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
3Morgan 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.
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
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
7An 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.
8Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
9Municipal 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.
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Awards Disclosures
CRC 6491812 (04/2024), 3582895 (6/2024)
