Executive Director, Wealth Management, Family Wealth Director, Senior Institutional Consultant, Senior Portfolio Manager
Phone:
(415) 693-6672(415) 693-6672
The Covington Wealth Management Group at Morgan Stanley
Direct:
(415) 693-6672(415) 693-6672
Our Mission Statement
We help our clients realize their greatest potential using human, social, intellectual and financial capital.
Our Story
The Covington Wealth Management Group is a well-established wealth management practice in Northern California, managing assets for exceptionally accomplished entrepreneurs, executives and families.
Our team has a full service offering including Family Office Advisory Services, Outsourced CIO Capabilities, Estate Planning, Liquidity Management, Risk Management, 10b5-1 Programs and Tax-Efficient Investment Solutions.
Clients include C-Suite Executives, Entrepreneurs, Private Equity / Venture Capital GPs and Family Offices.
Our team has a full service offering including Family Office Advisory Services, Outsourced CIO Capabilities, Estate Planning, Liquidity Management, Risk Management, 10b5-1 Programs and Tax-Efficient Investment Solutions.
Clients include C-Suite Executives, Entrepreneurs, Private Equity / Venture Capital GPs and Family Offices.
Capabilities Include:
- Family Governance & Wealth Education
- Next Generation Preparation & Stewardship
- Comprehensive Wealth Planning
- Dynastic Wealth Forecasting
- Pre-liquidity Planning
- Proprietary Investment Opportunities (Co-invest)
- Sustainable & Responsible Investing
- Risk Management
- Fiduciary & Trust Services
- Hedging Strategies
- Philanthropy Management
- Open Architecture Platform
- 10b5-(1) Programs
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Family Office Resources
The Covington Wealth Management Group helps clients address the full spectrum of complex, multigenerational wealth management issues.
We look forward to learning more about your family needs and how we may be of service to you.
We look forward to learning more about your family needs and how we may be of service to you.
Our Practice helps clients address the following questions:
• How much of my wealth do I want my heirs to inherit? At what age?
• How do I create readiness emotionally and intellectually to manage significant family wealth?
• How can I leave a lasting family legacy in my community?
• What are the best ways to reduce transfer taxes, while benefiting family and charity at the same time?
• I’ve sold a company that gave meaning and purpose to my life. What’s next?
• Does my asset allocation make sense given my risk tolerance, and how is my family positioned for any unforeseen life events?
• How can I create income beneficiaries for my wealth while protecting the principal for future growth?
• How do I create readiness emotionally and intellectually to manage significant family wealth?
• How can I leave a lasting family legacy in my community?
• What are the best ways to reduce transfer taxes, while benefiting family and charity at the same time?
• I’ve sold a company that gave meaning and purpose to my life. What’s next?
• Does my asset allocation make sense given my risk tolerance, and how is my family positioned for any unforeseen life events?
• How can I create income beneficiaries for my wealth while protecting the principal for future growth?
Our work with clients has evolved to address the complexity of our client’s growing and dynamic needs.
Our Family Office resources include the following:
• Outsourced CIO Platform
• Strategic Estate and Financial Planning
• Wealth Analytics and Solutions
• Manager Selection & Portfolio Construction
• Alternative Investment Portfolio Experience
• Insurance Solutions
• Trust Services
Our work is grounded in providing a range of solutions that include:
• Lifestyle Advisory (Full service resource access)
• Philanthropic Management
• Family Governance & Legacy
• Next Generation Education
• Outsourced CIO Platform
• Strategic Estate and Financial Planning
• Wealth Analytics and Solutions
• Manager Selection & Portfolio Construction
• Alternative Investment Portfolio Experience
• Insurance Solutions
• Trust Services
Our work is grounded in providing a range of solutions that include:
• Lifestyle Advisory (Full service resource access)
• Philanthropic Management
• Family Governance & Legacy
• Next Generation Education
Managing the Complexities of Wealth: Best Practices for Single Family Offices
Click here to learn moreOutsourced CIO Resources
The Covington Wealth Management Group offers a comprehensive, full discretion Chief Investment Officer relationship, allowing our client’s Investment Committee to focus on the big picture rather than day-to-day operations.
We recognize that providing true Fiduciary Oversight has become increasingly complex. Layers of regulatory requirements and ongoing financial innovation has made fiduciary oversight increasingly difficult. Family Offices and Institutional Clients see the value of professional management and are motivated by the following:
• Lack of Internal Resources
• Sophisticated Risk Management
• Fiduciary Oversight
• Increase Returns Across All Market Environments
• Quicker and More Nimble Implementation
• Unique Access to Proprietary Deal Flow
• Cost Savings across Single or Multi-Family Offices
• Strategic Partnerships
The Covington Group leverages the full resources of Morgan Stanley to provide the following Outsourced Chief Investment Officer (CIO) resources and bespoke investment solutions:
• Investment Policy Statement (IPS) Support
• Asset Allocation Strategy
• Performance Monitoring
• Cash Flow & Liability Management
• Portfolio Construction
• Risk Management
Our investment philosophy is premised on the following assumptions:
• Market Inefficiencies present opportunities
• Risk Management is integral to deliver returns
• Client customization is essential
We recognize that providing true Fiduciary Oversight has become increasingly complex. Layers of regulatory requirements and ongoing financial innovation has made fiduciary oversight increasingly difficult. Family Offices and Institutional Clients see the value of professional management and are motivated by the following:
• Lack of Internal Resources
• Sophisticated Risk Management
• Fiduciary Oversight
• Increase Returns Across All Market Environments
• Quicker and More Nimble Implementation
• Unique Access to Proprietary Deal Flow
• Cost Savings across Single or Multi-Family Offices
• Strategic Partnerships
The Covington Group leverages the full resources of Morgan Stanley to provide the following Outsourced Chief Investment Officer (CIO) resources and bespoke investment solutions:
• Investment Policy Statement (IPS) Support
• Asset Allocation Strategy
• Performance Monitoring
• Cash Flow & Liability Management
• Portfolio Construction
• Risk Management
Our investment philosophy is premised on the following assumptions:
• Market Inefficiencies present opportunities
• Risk Management is integral to deliver returns
• Client customization is essential
We invite you to schedule a consultation with The Covington Wealth Management Group.
Governance
While the focus of planning for many affluent families is on the effective transfer of Financial Capital, finding ways to preserve and enhance family’s Human, Intellectual and Social Capital is often the bigger challenge and more critical need.
We assist our clients in building a strong foundation for the future by providing education, guidance and counsel in the creation of strategic and tactical plans for achieving their goals.
The services we offer include the following:
• Participating in Family Meetings
• Helping Family Members Articulate Issues Of Concern
• Creating Customized Education Curriculum for Younger Generations
• Next Generation Preparation For Responsible Stewardship
• Facilitating Conversations About Dynastic Wealth and Readiness For Family Leadership
• Creating of Family Governance Structures:
1. Family Mission Statements
2. Family Councils
3. Family Constitutions and Bylaws
Below are links to a few insightful resources on Family Governance and Philanthropy:
We assist our clients in building a strong foundation for the future by providing education, guidance and counsel in the creation of strategic and tactical plans for achieving their goals.
The services we offer include the following:
• Participating in Family Meetings
• Helping Family Members Articulate Issues Of Concern
• Creating Customized Education Curriculum for Younger Generations
• Next Generation Preparation For Responsible Stewardship
• Facilitating Conversations About Dynastic Wealth and Readiness For Family Leadership
• Creating of Family Governance Structures:
1. Family Mission Statements
2. Family Councils
3. Family Constitutions and Bylaws
Below are links to a few insightful resources on Family Governance and Philanthropy:
Creating a Purposeful Family Environment
Click here to learn moreFamily Constitution and Family Bylaws
Click here to learn moreFamily Wealth Education
Click here to learn morePhilanthropy Management
Click here to learn moreGiving Resource Guide - National Opportunities to Support Racial Justice
Click here to learn moreConversations in Dynastic Wealth
We believe that all families and individuals deserve to be the best version of who they are. Planning unlocks that agency and creates a freedom to step into one's future with confidence. At The Covington Wealth Management Group, these topics are core to who we are and we look forward to having these important conversations with you. Click through the links below to follow our video series, Conversations in Dynastic Wealth.
Introduction
These topics are foundational to understanding your relationship with money, with future descendants, and with expanding your vision for yourself and your family.
Click here for video
Your Money Story
Everyone has a money story. Your money story is a combination of the cultural, historical, and family events that shape our attitudes and mindset around money.
Click here for video
Financial Decision-Making
This topic is related to unpacking one's money story. The focus of this conversation is understanding how to move from emotional to cognitive financial decision-making.
Click here for video
Why Dynastic Wealth
We're passionate about this topic called Dynastic Wealth, which is the idea that you're thinking through to future descendants and making provisions for them.
Click here for video
Trust & Estate Planning Strategies
We cover not only trust and estate planning strategies, but we move into the bigger questions of legacy planning. In other words, what do you want your legacy to be?
Click here for video
Lessons Learned and Shared
Morgan Stanley MAKER, Gail Covington, a musician growing up, learned a discipline she uses today to help clients expand their vision of themselves.
Click here for videoLocation
101 California St 23rd
Fl
San Francisco, CA 94111
US
Direct:
(415) 693-6672(415) 693-6672
Meet The Covington Wealth Management Group
Benjamin Sutton
Financial Advisor, Portfolio Manager, Financial Planning Specialist
Phone:
(415) 693-6445(415) 693-6445
Shairah Willis
Financial Advisor Associate
Phone:
(415) 693-6014(415) 693-6014
Margaret Lim
Senior Registered Client Service Associate, Head of Client Account Operations
Phone:
(415) 693-6033(415) 693-6033
Connor Addiego
Registered Client Service Associate
Phone:
(415) 693-6249(415) 693-6249
About The Covington Group
Gail Covington is the Founder and Managing Partner of The Covington Wealth Management Group practice and is responsible for all aspects of the investment process, portfolio construction and risk management. Since establishing the practice in 1999, Gail has worked closely with C-suite and private equity executives and company founders as well as their families and family offices. Serving as a trusted advisor across market cycles and across generations, she leads the team’s efforts to help each client implement comprehensive wealth management solutions based on their specific objectives. As a Family Wealth Director, Gail welcomes the challenges that come with managing significant wealth and is dedicated to a holistic approach to legacy building. Based in San Francisco, the practice is naturally focused on the needs of tech executives and investors, and covers clients in the Bay Area, Seattle, Los Angeles, Utah, NY and Florida.
Securities Agent: DE, NY, NM, AR, CA, IN, GA, IL, AZ, WA, OR, OK, MT, CO, MA, TX, LA, MD, NH, UT, NV, NJ, VA, AL, FL, HI, CT, MI, PA, DC, NC, TN, SC; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1401594
NMLS#: 1401594
About Benjamin Sutton
Ben Sutton is the head of financial planning and portfolio analytics for the Team. After joining Morgan Stanley in the summer of 2017, Ben served as a Wealth Advisor Associate, creating financial plans for over 500 clients across the Firm. Since joining The Covington Wealth Management Group, he has helped build out the team’s financial planning capabilities. Ben also assists with the implementation of portfolio risk management protocols, as well as leveraging MS investment research and various non-MS market perspectives.
Ben received his B.A. in Philosophy with a minor in Political Economy from UC Berkeley in 2016, and an M.Sc. in International Political Economy from the London School of Economics in 2021. A native of Santa Barbara, California, he has since moved on to colder water and bigger waves as an avid Ocean Beach surfer. When not in the office or in the water, Ben can be found jamming on his guitar or saxophone, travelling, or trying out new San Francisco restaurants.
Ben received his B.A. in Philosophy with a minor in Political Economy from UC Berkeley in 2016, and an M.Sc. in International Political Economy from the London School of Economics in 2021. A native of Santa Barbara, California, he has since moved on to colder water and bigger waves as an avid Ocean Beach surfer. When not in the office or in the water, Ben can be found jamming on his guitar or saxophone, travelling, or trying out new San Francisco restaurants.
Securities Agent: LA, AZ, MN, CO, CA, NY, AL, VA, PA, NC, GA, OR, DC, MA, DE, HI, MT, WA, MD, FL, UT, IN, TX, OK, NV, NM, NJ, NH, MI, IL; General Securities Representative; Investment Advisor Representative
NMLS#: 2187143
NMLS#: 2187143
About Shairah Willis
Shairah Willis is a Financial Advisor Associate with The Covington Wealth Management Group where she is responsible for client acquisition, portfolio analytics, and reporting. Shairah joined Morgan Stanley in 2018 as a Financial Analyst Intern. In 2020, she went on to become a full-time Financial Analyst, creating investment proposals for clients and prospects, proposing portfolio-level recommendations, and presenting independent investment ideas. In 2022, Shairah became a Consulting Group & Mutual Fund Sales Analyst where she was responsible for portfolio recommendations, investment proposals, reporting, and analysis for Financial Advisors and their clients across the firm. In this role, she was promoted to lead analyst within her first six months, supporting one region’s reporting and strategy needs and promoted to an Associate within her first two years.
Shairah was born in Inglewood, CA and raised in Atlanta, GA. She moved to New York for her Consulting Group & Mutual Fund Sales Associate role, and now resides in Oakland, Ca. She graduated from Kennesaw State University with a B.S in Individualized Studies with a concentration in Economics and Business Administration. Outside of the office, Shairah loves to try new restaurants and visit wineries. Aside from food and wine, she enjoys hiking, cycling, lifting weights, volunteering, and travel.
Shairah was born in Inglewood, CA and raised in Atlanta, GA. She moved to New York for her Consulting Group & Mutual Fund Sales Associate role, and now resides in Oakland, Ca. She graduated from Kennesaw State University with a B.S in Individualized Studies with a concentration in Economics and Business Administration. Outside of the office, Shairah loves to try new restaurants and visit wineries. Aside from food and wine, she enjoys hiking, cycling, lifting weights, volunteering, and travel.
Securities Agent: NY, GA, CA, IN; General Securities Representative; Investment Advisor Representative
About Margaret Lim
Margaret Lim directs, manages and supervises client service operations for the Team. Since joining Morgan Stanley in 2015, Margaret has worked closely with clients, assisting in all day-to-day operations and administration. Since joining Margaret directs the team’s efforts to streamline the account opening process and acts as an integral day-to-day resource for clients. Her responsibilities include client onboarding, online user experience, facilitating use of banking and lending products, routine account disbursements and other administrative matters.
Margaret received her B.S. in Applied Mathematics (with a concentration in Economics and Actuarial Science) from San Jose State University in 2015. She grew up in Tracy, California and now lives in Oakland. On most weekends, Margaret can be found attending to her family’s dog breeding business, enjoying long walks with her Labrador retrievers, enjoying wine and working out.
Margaret received her B.S. in Applied Mathematics (with a concentration in Economics and Actuarial Science) from San Jose State University in 2015. She grew up in Tracy, California and now lives in Oakland. On most weekends, Margaret can be found attending to her family’s dog breeding business, enjoying long walks with her Labrador retrievers, enjoying wine and working out.
About Connor Addiego
Connor is a Registered Client Service Associate and plays an important role in supporting client operations for the team. He joined The Covington Group at Morgan Stanley in 2024. Prior to joining Morgan Stanley in 2022, Connor gained experience with several companies in the Bay Area, as a sales support specialist managing lead generation, a marketing intern, and an accounts payable clerk.
Connor graduated from Pitzer College with a bachelor’s degree in mathematical economics, where was also a four-year letterman for the Sagehens football team. He is an East Bay native and enjoys cooking, playing golf, working out and spending time with family and friends.
Connor graduated from Pitzer College with a bachelor’s degree in mathematical economics, where was also a four-year letterman for the Sagehens football team. He is an East Bay native and enjoys cooking, playing golf, working out and spending time with family and friends.
Contact Gail Covington
Contact Benjamin Sutton
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
Rosana Vantuyl
Private Banker
Managing Director, Private Wealth Management, Private Wealth Advisor, Stock Plan Director
About Rosana Vantuyl
Rosana Vantuyl is a Private Banker serving Morgan Stanley Wealth Management offices in California.
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.
Rosana began her career in financial services in 2010, and joined Morgan Stanley in 2015 as a Private Banker. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch. She also served as a Real Estate Agent at Zephyr Real Estate.
Rosana is a graduate of the University of Oregon, where she received a Bachelor of Science in Psychology. She lives in San Francisco, California with her family. Outside of the office, Rosana enjoys traveling and volunteering with international service projects.
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.
Rosana began her career in financial services in 2010, and joined Morgan Stanley in 2015 as a Private Banker. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch. She also served as a Real Estate Agent at Zephyr Real Estate.
Rosana is a graduate of the University of Oregon, where she received a Bachelor of Science in Psychology. She lives in San Francisco, California with her family. Outside of the office, Rosana enjoys traveling and volunteering with international service projects.
NMLS#: 637533
Private Bankers, Ultra High Net Worth (“UHNW”) Sales Specialists, Lending Advisors, Mortgage Consultants, Relationship Managers, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
Wealth Management
Global Investment Office
Portfolio Insights
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
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 Covington Wealth Management Group today.
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
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER® and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024), 3582895 (6/2024)
