Senior Vice President, Wealth Management, Financial Advisor, Family Wealth Advisor
Phone:
(607) 772-3419(607) 772-3419
The Costantino Group at Morgan Stanley
Direct:
(607) 772-3419(607) 772-3419
Toll-Free:
(800) 776-0780(800) 776-0780
Our Mission Statement
Managing family wealth with caution and wisdom to help improve the lives of our clients.
Our Story & Services
The Costantino Group offers clients the best of all worlds with nearly 100 years of collective experience in the financial industry, comprehensive services delivered in a personalized manner similar to a family office setting, and access to the world-class resources at Morgan Stanley.
From families to high-achieving professionals to small business owners, we’ve successfully guided our clients through every type of market over the years. We especially focus on the following areas which are essential to sound wealth management.
Financial planning: With a seasoned CERTIFIED FINANCIAL PLANNER™ (CFP®) on our team, financial planning has been at the core of our business for decades. No matter your stage of life or your goals—from purchasing your first home to retiring at an early age to sharing your wealth with your heirs—we’ll construct a plan that ideally suits you.
Tax management: Wealth isn’t necessarily dependent on how much you earn; it’s more about how much you keep. Using tax-loss harvesting, asset allocation optimization and other sophisticated strategies we’re adept at minimizing the tax impact on your assets.
Retirement transitions: Making the transition to retirement can be challenging, especially from a financial perspective. We’ll navigate you through matters such as shifting from an accumulation to a distribution mindset, effectively managing rollovers, mitigating sequence-of-returns risk and other issues so you can start enjoying the freedom that retirement brings.
Estate planning strategies: Having a proper estate plan can help ensure your assets are distributed according to your wishes during your lifetime and afterward, facilitate a smoother transition for your loved ones and potentially minimize your tax burden. Sometimes these estate planning conversations can be difficult. But we have plenty of experience working with families along with their estate planning attorneys and CPAs to make this process as easy as possible.
We’re grateful for the ongoing loyalty shown to us by our clients, and the lasting relationships we’ve developed with them. All of those relationships began with a simple conversation. We know that choosing the right wealth management team is an important consideration that could have a significant impact on your financial future. So, we encourage you to learn more about our group, and welcome the opportunity to have that first conversation with you.
From families to high-achieving professionals to small business owners, we’ve successfully guided our clients through every type of market over the years. We especially focus on the following areas which are essential to sound wealth management.
Financial planning: With a seasoned CERTIFIED FINANCIAL PLANNER™ (CFP®) on our team, financial planning has been at the core of our business for decades. No matter your stage of life or your goals—from purchasing your first home to retiring at an early age to sharing your wealth with your heirs—we’ll construct a plan that ideally suits you.
Tax management: Wealth isn’t necessarily dependent on how much you earn; it’s more about how much you keep. Using tax-loss harvesting, asset allocation optimization and other sophisticated strategies we’re adept at minimizing the tax impact on your assets.
Retirement transitions: Making the transition to retirement can be challenging, especially from a financial perspective. We’ll navigate you through matters such as shifting from an accumulation to a distribution mindset, effectively managing rollovers, mitigating sequence-of-returns risk and other issues so you can start enjoying the freedom that retirement brings.
Estate planning strategies: Having a proper estate plan can help ensure your assets are distributed according to your wishes during your lifetime and afterward, facilitate a smoother transition for your loved ones and potentially minimize your tax burden. Sometimes these estate planning conversations can be difficult. But we have plenty of experience working with families along with their estate planning attorneys and CPAs to make this process as easy as possible.
We’re grateful for the ongoing loyalty shown to us by our clients, and the lasting relationships we’ve developed with them. All of those relationships began with a simple conversation. We know that choosing the right wealth management team is an important consideration that could have a significant impact on your financial future. So, we encourage you to learn more about our group, and welcome the opportunity to have that first conversation with you.
Services Include
- Wealth ManagementFootnote1
- 401(k) Rollovers
- Asset Management
- Business PlanningFootnote2
- Corporate Retirement PlansFootnote3
- Defined Contribution PlansFootnote4
- Estate Planning StrategiesFootnote5
- Financial PlanningFootnote6
- Lending Products
- Life InsuranceFootnote7
- Retirement PlanningFootnote8
- Trust AccountsFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Professional Designations
Designations typically signify that a Financial Advisor has additional experience, education or training within specific areas of wealth management which may be beneficial to their clients. The following represents the designations currently held by members of our team.
CERTIFIED FINANCIAL PLANNER® (CFP®):
CFP® professionals meet rigorous education and ethical standards. They’re trained in 72 areas of financial knowledge, and must accrue thousands of hours of experience prior to earning their certification. Additionally, CFP® professionals are committed to serving their clients’ best interests at all times.
Putting your entire financial life into a clear picture isn’t easy. CFP® professionals are skilled at doing this, including how to balance your short-term goals with your long-term objective of retirement security. That’s why working with a CFP® can be so valuable for individuals seeking comprehensive financial planning.
Putting your entire financial life into a clear picture isn’t easy. CFP® professionals are skilled at doing this, including how to balance your short-term goals with your long-term objective of retirement security. That’s why working with a CFP® can be so valuable for individuals seeking comprehensive financial planning.
Chartered Retirement Plans Specialist (CRPS):
Requiring rigorous study and classroom exam, CRPS holders have demonstrated a thorough understanding of the complexities involved with establishing and managing a company-sponsored retirement plan. These may include IRAs, 401(k) and 403(b) plans, defined contribution plans, small business retirement plans and government plans. Additionally, individuals with the CRPS credential must complete ongoing education requirements.
Consulting with a CRPS can give small business owners added freedom and confidence knowing they’re working with someone who’s able to recommend implementation techniques that can be executed into well-structured, company-appropriate retirement plans, as well as effectively administer those plans for businesses and their employees
Consulting with a CRPS can give small business owners added freedom and confidence knowing they’re working with someone who’s able to recommend implementation techniques that can be executed into well-structured, company-appropriate retirement plans, as well as effectively administer those plans for businesses and their employees
Our Process
Over the years, we've developed these steps to help you become more familiar and comfortable with our team as your Financial Advisors, while also helping us better understand your goals, priorities and circumstances. This process is designed to help us provide guidance aligned with your financial objectives.
1. Fit Meeting
We typically begin our relationship with a discussion to help determine together whether we may be the right fit. Meeting face-to-face can open the door for an honest conversation and help confirm whether our services and your needs are aligned.
2. Data Collection
In this stage, we can take a deeper look into your current financial situation and work to develop a thorough understanding of your objectives and aspirations.
3. Plan Construction
After we have a holistic understanding of your circumstances, we can develop a personalized financial plan based on what we've learned. It can take into account your goals, concerns, risk tolerance and other important considerations. Because your situation is unique, your financial plan and portfolio recommendations may differ from those of other clients.
Through Morgan Stanley, we have access to a range of investment options, including alternative investments, in addition to traditional stocks and bonds, that may be appropriate for certain clients. These options may provide additional flexibility when constructing a portfolio designed to help address a client's objectives while taking into account their risk profile.
4. Investment/Financial Plan Management
Once you've approved your financial plan, we can begin implementing it. During this process, we'll outline next steps to help provide clarity around what we're doing and why.
As our relationship develops, we can continue to review your plan, meet with you regularly to discuss your progress, and consider possible adjustments as your life evolves, markets change or opportunities arise. A financial plan should not be a static document. Rather than relying solely on financial models, our team takes a tailored, hands-on approach to reviewing each client's investments and financial plan, with the goal of helping you stay aligned with your objectives. While this approach requires ongoing attention, we believe it is an important part of our role as your Financial Advisors.
FAQs
Why should I work with your group?
We seek to offer clients a personalized wealth management experience. From a local perspective, our team's depth of knowledge and access to Morgan Stanley's resources can help address a broad range of financial matters. We deliver our services with a friendly, neighborly touch, and our team has strong ties to the Binghamton community. You'll find we are accessible by phone or email. If we are not available at the moment, we make every effort to respond to your inquiry in a timely manner.
Meanwhile, from a global perspective, we can bring access to the world-class resources of Morgan Stanley to your home or business.
Do you have any professional designations?
Yes. As a CFP® professional, Frederick has training and experience in developing financial plans for clients at different stages of life and is committed to acting in clients' best interests, as applicable. Additionally, Michael holds the CRPS® designation, reflecting knowledge of company-sponsored retirement plans for small businesses.
How much experience does your team have?
Our four team members have nearly 100 years of combined experience in financial services.
What are your areas of focus?
We provide comprehensive financial services with an emphasis on these key areas: financial planning, tax planning strategies, retirement transitions and estate planning strategies.
Will you work with my existing accountant or estate attorney?
Yes. We can collaborate with these professionals, with your authorization. This can help coordinate the components of your financial life and may help identify potential issues for you to discuss with your tax or legal advisors. Additionally, communicating with these advisors on your behalf can help streamline the process.
I don’t live in greater Binghamton. Would you be able to work with me?
Yes, While many of our clients reside in the Binghamton, Southern Tier and Broome County areas, we also work with clients across the country, where permitted. If a client currently lives in the area but later relocates during retirement, we can continue to serve as their Financial Advisor, subject to applicable registration and regulatory requirements. Wherever life may take you, our goal is to remain a consistent resource and help support you throughout your financial journey.
How can I get in touch with you?
Please call us at (607) 772-3419 or (800) 776-0780. You can also use the "Contact Us" or "Schedule a Meeting" links on our home page. We look forward to meeting you.
Location
50 Front Street
Binghamton, NY 13905
US
Direct:
(607) 772-3419(607) 772-3419
Toll-Free:
(800) 776-0780(800) 776-0780
Fax:
(607) 722-2991(607) 722-2991
Meet The Costantino Group
Frederick Costantino Sr., CFP®
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(607) 772-3411(607) 772-3411
Phone:
(607) 772-3447(607) 772-3447
Lisa Phillips
Senior Registered Client Service Associate
Phone:
(607) 772-3412(607) 772-3412
About Michael Costantino
As a financial advisor, Mike takes pride in building long lasting relationships with his clients. In building the relationship and finding out his client's true aspirations, together they can figure out the path to help achieve their financial goals and personal dreams.
Mike began his career with Smith Barney in Syracuse in 2006, where he developed his fundamental knowledge of the business with hands-on experience, while studying and obtaining his Series 7 and 65 licenses. He joined the Costantino Group in 2009 with his father, Fred Sr., to take a team approach to provide personalized financial advice for individuals and families. Mike has been named to Morgan Stanley's Century Club and The Costantino Group has been named to Forbes Best-In-State Wealth Management Teams 2024 and 2025.
Mike is an Endwell native but attended the School of Management at Syracuse University where he went on to obtain his bachelor’s degree. Since moving back into the area, he has found a drive and passion to continue to educate and advance his knowledge. He currently holds a CRPS®, Chartered Retirement Plans Specialist, designation through The College of Financial Planning.
Away from the office, Mike spends his free time staying active. He is very engaged in the community and believes in making the Binghamton area the best it can be. He tries to help the community through his membership in Rotary. Another organization he has been working closely with since 2012, is the Magic Paintbrush Project, which is not for profit which provides unique programs for individuals of all ages with developmental disabilities. Mike also enjoys all types of sports including golf, tennis, basketball and now spends a lot of time doing crossfit. He recently completed his first half marathon and a Spartan Race. If not participating in sports, Mike can be found watching sports. Most of all, he enjoys going up to see his Syracuse Orangemen play basketball, but also spends a lot of time supporting the local teams such as the Rumble Ponies and Senators. Besides sports, Mike likes to do a good amount of traveling. One of his current endeavors is to visit every Major League Baseball stadium.
Disclaimer:
Forbes Best-In-State Wealth Management Teams 2024-2025
Source: Forbes.com (Awarded Jan 2024-2025) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/24.
Mike began his career with Smith Barney in Syracuse in 2006, where he developed his fundamental knowledge of the business with hands-on experience, while studying and obtaining his Series 7 and 65 licenses. He joined the Costantino Group in 2009 with his father, Fred Sr., to take a team approach to provide personalized financial advice for individuals and families. Mike has been named to Morgan Stanley's Century Club and The Costantino Group has been named to Forbes Best-In-State Wealth Management Teams 2024 and 2025.
Mike is an Endwell native but attended the School of Management at Syracuse University where he went on to obtain his bachelor’s degree. Since moving back into the area, he has found a drive and passion to continue to educate and advance his knowledge. He currently holds a CRPS®, Chartered Retirement Plans Specialist, designation through The College of Financial Planning.
Away from the office, Mike spends his free time staying active. He is very engaged in the community and believes in making the Binghamton area the best it can be. He tries to help the community through his membership in Rotary. Another organization he has been working closely with since 2012, is the Magic Paintbrush Project, which is not for profit which provides unique programs for individuals of all ages with developmental disabilities. Mike also enjoys all types of sports including golf, tennis, basketball and now spends a lot of time doing crossfit. He recently completed his first half marathon and a Spartan Race. If not participating in sports, Mike can be found watching sports. Most of all, he enjoys going up to see his Syracuse Orangemen play basketball, but also spends a lot of time supporting the local teams such as the Rumble Ponies and Senators. Besides sports, Mike likes to do a good amount of traveling. One of his current endeavors is to visit every Major League Baseball stadium.
Disclaimer:
Forbes Best-In-State Wealth Management Teams 2024-2025
Source: Forbes.com (Awarded Jan 2024-2025) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/24.
Securities Agent: OR, MD, HI, SC, NE, MI, FL, CT, IL, VT, TN, NM, MN, GA, AZ, MT, RI, NJ, NC, ME, CO, ID, DC, CA, OK, OH, MA, WI, TX, PA, NY, NH, VA; General Securities Representative; Investment Advisor Representative
NMLS#: 1372305
NMLS#: 1372305
About Frederick Costantino Sr.
For nearly three decades, Fred has helped clients address their financial concerns and develop sound strategies by focusing on each individual’s specific needs. With extensive experience throughout major shifts in the markets, Fred dedicated his career to delivering the personalized investment planning services his clients deserve.
Fred began his career as a Financial Advisor with Carillon Investment in Endicott, New York, where he developed his fundamental investment knowledge and Life Insurance planning. He became the branch manager and owner of The Costantino Group of Raymond James Financial Services. Fred’s focus along with his team is to provide personalized financial advice, with a concentration on planning, for families and businesses. In 1992, Fred, earned the CFP® certification by completing an approved educational program, passing a rigorous examination and meeting stringent experience requirements. The Costantino Group has been named to Forbes Best-In-State Wealth Management Teams 2024 and 2025
Fred’s passion for learning doesn’t end there. Fred learned to love music and has become an excellent blues guitar player. While earning his bachelor’s degree at New York Institute of Technology, he and a few friends started a rock band, which became very popular on the north shore of Long Island. After college, he married Mary and settled in Bayville, New York. They have three children and five grandchildren.
Away from the office, Fred spends his free time with his wife, Mary. They are both very active in their church. They like to stay active both physically and mentally, whether it’s playing tennis together at the park in their neighborhood or taking regular trips to see their grandchildren. Fred especially enjoys playing his guitars, fishing and building model rockets, and the beach vacations in Florida and Maine.
Disclaimer:
Forbes Best-In-State Wealth Management Teams 2024-2025
Source: Forbes.com (Awarded Jan 2024-2025) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/24.
Fred began his career as a Financial Advisor with Carillon Investment in Endicott, New York, where he developed his fundamental investment knowledge and Life Insurance planning. He became the branch manager and owner of The Costantino Group of Raymond James Financial Services. Fred’s focus along with his team is to provide personalized financial advice, with a concentration on planning, for families and businesses. In 1992, Fred, earned the CFP® certification by completing an approved educational program, passing a rigorous examination and meeting stringent experience requirements. The Costantino Group has been named to Forbes Best-In-State Wealth Management Teams 2024 and 2025
Fred’s passion for learning doesn’t end there. Fred learned to love music and has become an excellent blues guitar player. While earning his bachelor’s degree at New York Institute of Technology, he and a few friends started a rock band, which became very popular on the north shore of Long Island. After college, he married Mary and settled in Bayville, New York. They have three children and five grandchildren.
Away from the office, Fred spends his free time with his wife, Mary. They are both very active in their church. They like to stay active both physically and mentally, whether it’s playing tennis together at the park in their neighborhood or taking regular trips to see their grandchildren. Fred especially enjoys playing his guitars, fishing and building model rockets, and the beach vacations in Florida and Maine.
Disclaimer:
Forbes Best-In-State Wealth Management Teams 2024-2025
Source: Forbes.com (Awarded Jan 2024-2025) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/24.
Securities Agent: CT, PA, MN, IL, FL, VA, NE, OR, OK, NY, MT, TN, SC, NC, LA, NJ, WI, TX, NM, NH, CO, MI, MA, DC, AZ, MD, CA, OH, ME, ID, HI, GA, VT, RI; General Securities Representative; Investment Advisor Representative
NMLS#: 1372306
NMLS#: 1372306
About Eric Creveling
Eric focuses on helping clients connect their personalized goals through comprehensive financial planning. With his well-developed communication skills and extensive public speaking experience regarding financial topics, he’s adept at conveying complex information in a manner that’s easy for clients to understand.
Eric chose a career in financial services because he’s passionate about helping others, and enjoys educating them about financial matters. He believes clients find comfort and reassurance when they have a comprehensive financial plan designed around their goals.
Overall, Eric has more than 20 years of experience in financial services, including his tenure at Citizens Bank and Sidney Federal Credit Union (SFCU) where he primarily served in key management roles. As a manager, he always encouraged his staff to “do the right thing” with their customers, and continues the same approach today by considering the interests of his clients. Additionally, with his background in the business world, he understands the challenges facing small business owners which is useful when identifying potential solutions for them.
Eric holds the Financial Planning Specialist designation—a distinction awarded to those who’ve completed advanced training about wealth accumulation and wealth management for high net worth clients. He graduated with a degree in Financial Services, and holds the following licenses related to the industry: Securities Industry Essentials (SIE), Series 6, Series 7, and Life, Health and Accident insurance.
Born and raised in greater Binghamton, Eric is deeply involved with his faith and regularly supports various charities. He and his wife have been married for over 20 years, and are blessed with two wonderful children.
Away from the office, Eric has an eclectic array of hobbies, including traveling with his family, enjoying movie nights (especially when they involve “Star Wars”), collecting geodes, gardening, and playing guitar—which he’s been doing since he was 13 years old.
Eric chose a career in financial services because he’s passionate about helping others, and enjoys educating them about financial matters. He believes clients find comfort and reassurance when they have a comprehensive financial plan designed around their goals.
Overall, Eric has more than 20 years of experience in financial services, including his tenure at Citizens Bank and Sidney Federal Credit Union (SFCU) where he primarily served in key management roles. As a manager, he always encouraged his staff to “do the right thing” with their customers, and continues the same approach today by considering the interests of his clients. Additionally, with his background in the business world, he understands the challenges facing small business owners which is useful when identifying potential solutions for them.
Eric holds the Financial Planning Specialist designation—a distinction awarded to those who’ve completed advanced training about wealth accumulation and wealth management for high net worth clients. He graduated with a degree in Financial Services, and holds the following licenses related to the industry: Securities Industry Essentials (SIE), Series 6, Series 7, and Life, Health and Accident insurance.
Born and raised in greater Binghamton, Eric is deeply involved with his faith and regularly supports various charities. He and his wife have been married for over 20 years, and are blessed with two wonderful children.
Away from the office, Eric has an eclectic array of hobbies, including traveling with his family, enjoying movie nights (especially when they involve “Star Wars”), collecting geodes, gardening, and playing guitar—which he’s been doing since he was 13 years old.
Securities Agent: WI, OR, NJ, MA, LA, NY, HI, TN, SC, RI, NH, DC, CT, AZ, MD, VT, PA, NC, MI, VA, ID, CO, OK, OH, NM, NE, GA, TX, MT, ME, CA, MN, IL, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 837597
NMLS#: 837597
About Lisa Phillips
Lisa graduated from high school in 1982 and then business school in 1985.
She began her career in 1985 as a Sales Assistant with E.F. Hutton in Binghamton, NY where she developed her fundamental administrative investment knowledge. In 2000, Lisa earned the title of Senior Registered Client Service Associate by completing an approved education program and passing a rigorous examination. She then was brought on by The Costantino Group in 2010 to provide personalized administrative services to individuals and families.
For over three decades, Lisa has helped clients address their administrative concerns and focused on each individuals need. With extensive experience throughout the industry, Lisa has dedicated her career to getting to know each client personally and deliver the services the clients deserve.
Away from the office Lisa spends her free time with her family. Her daughter Laura recently moved to Fort Myers, Florida and is a Certified Dental Assistant. Lisa also has two step daughters, Michaela and Stephanie. Michaela, is a Pharmaceutical Recruiter in Rochester, NY and Stephanie, is an Engineer in Endicott, NY. Lisa loves reading, working in her flower garden and hiking. She also enjoys spending weekends cooking in the kitchen.
She began her career in 1985 as a Sales Assistant with E.F. Hutton in Binghamton, NY where she developed her fundamental administrative investment knowledge. In 2000, Lisa earned the title of Senior Registered Client Service Associate by completing an approved education program and passing a rigorous examination. She then was brought on by The Costantino Group in 2010 to provide personalized administrative services to individuals and families.
For over three decades, Lisa has helped clients address their administrative concerns and focused on each individuals need. With extensive experience throughout the industry, Lisa has dedicated her career to getting to know each client personally and deliver the services the clients deserve.
Away from the office Lisa spends her free time with her family. Her daughter Laura recently moved to Fort Myers, Florida and is a Certified Dental Assistant. Lisa also has two step daughters, Michaela and Stephanie. Michaela, is a Pharmaceutical Recruiter in Rochester, NY and Stephanie, is an Engineer in Endicott, NY. Lisa loves reading, working in her flower garden and hiking. She also enjoys spending weekends cooking in the kitchen.
Contact Michael Costantino
Contact Frederick Costantino Sr.
Contact Eric Creveling
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
A Simple Six-Step Retirement Checkup
Article Image
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
Iran Conflict: Seven Takeaways for Investors
Article Image
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
Article Image
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
Ready to start a conversation? Contact The Costantino Group today.
Certified Financial Planner Board of Standards Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization’s initial and ongoing certification requirements to use the certification marks.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
6Morgan 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8When 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.
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.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
6Morgan 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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8When 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.
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.
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 Center for Financial Planning, Inc. owns and licenses the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the United States to Certified Financial Planner Board of Standards, Inc., which authorizes individuals who successfully complete the organization's initial and ongoing certification requirements to use the certification marks.
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 | Morgan Stanley
CRC 4665150 (8/2025)
