

Anthem Point Group at Morgan Stanley
Troy Cowdrey, CFA, CAIA, CFP®, CIMA®, CPWA®, CLU®, CLTC®, RICP®, CEPA®Peter Kofflin, CEPA®, QPFCAnthony Barst, CAIA, CFA®Thaddeus Bienko, CRPC®
Direct:
(517) 351-1112(517) 351-1112
Toll-Free:
(833) 480-2815(833) 480-2815

Our Mission Statement
Our years of experience combined with our vast credentials set us apart from other teams. They enable us to bring decades of wisdom and insights to the disciplined approach we have developed to help you achieve the goals you have set for you, your family, and your future.
Our Story and Services
When you think of an anthem, they many times tell stories about where you came from, the hard work, determination, and relentless spirit it took to get you to where you are today. Engrained in us, our anthems remind us of the values we carry with us, the people and places that helped write the lyrics of our lives. And, importantly, like a good financial plan, we know every word.
At the Anthem Point Group at Morgan Stanley, we strive to guide our clients to enjoy the fruits of their labors and to experience lifestyles in retirement that allow the personal liberty and confidence that only good planning, dedicated care and ongoing vigilance can provide. We are committed to helping each client we serve sing the anthems of their lives with pride, confidence, and purpose. And, when it comes time, help the next generation carry on their legacy with the same determination, guidance and care.
Over the years, we have worked hard to carefully assemble a team of professionals who share our true commitment, authentic passion and work diligently to enhance the value we add to our clients through their varying backgrounds, education and experience. Together Troy, Peter, Anthony and Ted have more than 70 years of combined industry experience.* We also have achieved a wide array of industry designations that include:
• Chartered Financial Analyst (CFA)
• CERTIFIED FINANCIAL PLANNER™ (CFP®)
• Certified Investment Management Analyst® (CIMA®)
• Certified Private Wealth Advisor (CPWA®)
• Retirement Income Certified Professional (RICP®)
• Chartered Alternative Investment Analyst (CAIA)
• Long-Term Care (CLTC)
• Chartered Life Underwriter (CLU®)
Our years of industry experience and vast credentials combined with the strength of Morgan Stanley’s wealth management capabilities truly set us apart from other financial advisor teams in the quality of care and long-term professional guidance we offer the clients we serve. We are proud of the world-class service and customized strategies we have been providing our clients for decades and welcome the opportunity to deliver this same level of excellence to you, your family and your business.
*Troy began his career in 2005, Peter in 2005, Anthony in 2011, and Ted in 2001.
At the Anthem Point Group at Morgan Stanley, we strive to guide our clients to enjoy the fruits of their labors and to experience lifestyles in retirement that allow the personal liberty and confidence that only good planning, dedicated care and ongoing vigilance can provide. We are committed to helping each client we serve sing the anthems of their lives with pride, confidence, and purpose. And, when it comes time, help the next generation carry on their legacy with the same determination, guidance and care.
Over the years, we have worked hard to carefully assemble a team of professionals who share our true commitment, authentic passion and work diligently to enhance the value we add to our clients through their varying backgrounds, education and experience. Together Troy, Peter, Anthony and Ted have more than 70 years of combined industry experience.* We also have achieved a wide array of industry designations that include:
• Chartered Financial Analyst (CFA)
• CERTIFIED FINANCIAL PLANNER™ (CFP®)
• Certified Investment Management Analyst® (CIMA®)
• Certified Private Wealth Advisor (CPWA®)
• Retirement Income Certified Professional (RICP®)
• Chartered Alternative Investment Analyst (CAIA)
• Long-Term Care (CLTC)
• Chartered Life Underwriter (CLU®)
Our years of industry experience and vast credentials combined with the strength of Morgan Stanley’s wealth management capabilities truly set us apart from other financial advisor teams in the quality of care and long-term professional guidance we offer the clients we serve. We are proud of the world-class service and customized strategies we have been providing our clients for decades and welcome the opportunity to deliver this same level of excellence to you, your family and your business.
*Troy began his career in 2005, Peter in 2005, Anthony in 2011, and Ted in 2001.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Location
2900 West Rd
Ste 300
East Lansing, MI 48823
US
Direct:
(517) 351-1112(517) 351-1112
Toll-Free:
(833) 480-2815(833) 480-2815
2430 E. Hill Rd.
Ste. D
Grand Blanc, MI 48439
US
Direct:
(810) 230-2949(810) 230-2949
3101 Spring Arbor Road
Suite 400
Jackson, MI 49203
US
Direct:
(517) 324-8001(517) 324-8001
Meet Anthem Point Group
About Troy Cowdrey
A second-generation Financial Advisor, Troy joined Morgan Stanley in 2015. He is a partner at the Anthem Point Group and brings significant knowledge to the team with his vast array of industry and firm credentials and prior experience. With care and commitment, Troy helps to empower clients to achieve new levels of success. He enjoys educating clients on how to create and execute an effective financial plan, generate an ongoing income stream in retirement, and make more confident decisions about their wealth. His primary responsibilities for the team include portfolio construction and investment selection.
Prior to joining Morgan Stanley, Troy was a Vice President and Side-Sell Equity Research Analyst for three years at Sterne Agee & Leach, an independent brokerage firm where he worked with one of the top performing semiconductor teams on Wall Street. Troy began his career in Chicago as an Associate in Morgan Stanley’s Asset Management division. He was also an Investment Banking Associate at Metronome Partners (focused on Middle Market Mergers, Acquisitions and Advisory) and a Senior Analyst at Goldman Sachs Investment Management.
Troy is dedicated to professional development. Throughout his career, he has continued to expand his skillset by undertaking various advanced courses of study. Industry credentials include: Chartered Financial Analyst (CFA), CERTIFIED FINANCIAL PLANNER™ (CFP®), Certified Investment Management Analyst® (CIMA®), Long-Term Care (CLTC), Chartered Life Underwriter (CLU®) Certified Private Wealth Advisor (CPWA®), Retirement Income Certified Professional (RICP®) and Chartered Alternative Investment Analyst (CAIA). He also achieved important firm designations at Morgan Stanley, which include Alternative Investments Director, Family Wealth Advisor, and Workplace Advisor - Equity Compensation. Troy was named to Morgan Stanley’s Pacesetter’s Club, a recognition that honors top young financial advisors at the firm, four consecutive years.
Troy earned his M.B.A. and M.S. in Finance from DePaul University, where he currently serves as a board member on the University Financial Advisory Board. Troy is a graduate of Western Michigan University, where he earned his B.B.A. in Personal Financial Planning.
Outside of the office, Troy enjoys golfing, offshore fishing, reading, and traveling.
Troy holds his series 7, 63, 66, 86, 87 Life, Health and Long-Term Care Insurance Licenses.
Prior to joining Morgan Stanley, Troy was a Vice President and Side-Sell Equity Research Analyst for three years at Sterne Agee & Leach, an independent brokerage firm where he worked with one of the top performing semiconductor teams on Wall Street. Troy began his career in Chicago as an Associate in Morgan Stanley’s Asset Management division. He was also an Investment Banking Associate at Metronome Partners (focused on Middle Market Mergers, Acquisitions and Advisory) and a Senior Analyst at Goldman Sachs Investment Management.
Troy is dedicated to professional development. Throughout his career, he has continued to expand his skillset by undertaking various advanced courses of study. Industry credentials include: Chartered Financial Analyst (CFA), CERTIFIED FINANCIAL PLANNER™ (CFP®), Certified Investment Management Analyst® (CIMA®), Long-Term Care (CLTC), Chartered Life Underwriter (CLU®) Certified Private Wealth Advisor (CPWA®), Retirement Income Certified Professional (RICP®) and Chartered Alternative Investment Analyst (CAIA). He also achieved important firm designations at Morgan Stanley, which include Alternative Investments Director, Family Wealth Advisor, and Workplace Advisor - Equity Compensation. Troy was named to Morgan Stanley’s Pacesetter’s Club, a recognition that honors top young financial advisors at the firm, four consecutive years.
Troy earned his M.B.A. and M.S. in Finance from DePaul University, where he currently serves as a board member on the University Financial Advisory Board. Troy is a graduate of Western Michigan University, where he earned his B.B.A. in Personal Financial Planning.
Outside of the office, Troy enjoys golfing, offshore fishing, reading, and traveling.
Troy holds his series 7, 63, 66, 86, 87 Life, Health and Long-Term Care Insurance Licenses.
Securities Agent: IL, CO, WY, VA, MS, ID, WI, TX, TN, AZ, MD, KS, NV, PA, NE, NC, MI, DC, GA, SC, MA, KY, FL, CA, OR, OH, NJ, IN, AL, WA, NY, NM, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 1441547
NMLS#: 1441547
About Peter Kofflin
Peter C. Kofflin
Financial Advisor
As a Financial Advisor at the Anthem Point Group at Morgan Stanley, Peter works with clients to help them build, preserve and manage wealth through all stages of life. Adhering to a wealth management process, Peter leverages his 18 years of industry experience to deliver individuals, families, businesses and not-for-profits with comprehensive wealth management strategies, tailoring products and services to help them meet their financial goals.
Born and raised in Jackson, Michigan, Peter has always had an interest in finance and always enjoyed helping others. Pursuing a career in financial services was the perfect opportunity to bring these two passions together. After graduating from Western Michigan University with a degree in Business Administration, Peter began his career at Smith Barney, a predecessor firm of Morgan Stanley. As a Portfolio Associate, he worked with multiple wealth advisory teams, providing direct business and client service support to a diverse range of clientele. It was through this experience that Peter built his ability to help navigate clients through changing market environments and challenging life events through the delivery of world- class client service and solutions.
In 2018, Peter was promoted to Business Service Manager and was responsible for overseeing the operations, client service delivery and business management of multiple Morgan Stanley branch locations in Michigan. In 2021, he took the opportunity to join the Anthem Point Group as a Financial Advisor Associate. In this new role, Peter will continue to coordinate the ongoing business management activities of the practice, while also working directly with clients to develop dynamic wealth strategies, tailoring products and services to help them meet their financial goals.
With an emphasis on financial planning, Peter enjoys taking the time to get to know each client so he can develop a plan that meets their unique situation and goals. His process begins with asking the right questions and actively listening. This ongoing dialogue serves as the foundation for the development of a comprehensive plan that reflects each client’s goals for the future. Peter takes great pride in knowing he is making a significant impact on the quality of his clients’ lives and enjoys seeing each plan come to fruition.
Peter and his wife, Kelly, have two children, Vivian and JP. Peter enjoys traveling with his family, spending time in the great outdoors and volunteering his time and talents to support non-profits, service clubs and initiatives within his community.
Peter holds his Series 7, 63, 66, 9 and 10 licenses.
Morgan Stanley Smith Barney LLC. Member SIPC.
CRC#3939000 12/2021
Financial Advisor
As a Financial Advisor at the Anthem Point Group at Morgan Stanley, Peter works with clients to help them build, preserve and manage wealth through all stages of life. Adhering to a wealth management process, Peter leverages his 18 years of industry experience to deliver individuals, families, businesses and not-for-profits with comprehensive wealth management strategies, tailoring products and services to help them meet their financial goals.
Born and raised in Jackson, Michigan, Peter has always had an interest in finance and always enjoyed helping others. Pursuing a career in financial services was the perfect opportunity to bring these two passions together. After graduating from Western Michigan University with a degree in Business Administration, Peter began his career at Smith Barney, a predecessor firm of Morgan Stanley. As a Portfolio Associate, he worked with multiple wealth advisory teams, providing direct business and client service support to a diverse range of clientele. It was through this experience that Peter built his ability to help navigate clients through changing market environments and challenging life events through the delivery of world- class client service and solutions.
In 2018, Peter was promoted to Business Service Manager and was responsible for overseeing the operations, client service delivery and business management of multiple Morgan Stanley branch locations in Michigan. In 2021, he took the opportunity to join the Anthem Point Group as a Financial Advisor Associate. In this new role, Peter will continue to coordinate the ongoing business management activities of the practice, while also working directly with clients to develop dynamic wealth strategies, tailoring products and services to help them meet their financial goals.
With an emphasis on financial planning, Peter enjoys taking the time to get to know each client so he can develop a plan that meets their unique situation and goals. His process begins with asking the right questions and actively listening. This ongoing dialogue serves as the foundation for the development of a comprehensive plan that reflects each client’s goals for the future. Peter takes great pride in knowing he is making a significant impact on the quality of his clients’ lives and enjoys seeing each plan come to fruition.
Peter and his wife, Kelly, have two children, Vivian and JP. Peter enjoys traveling with his family, spending time in the great outdoors and volunteering his time and talents to support non-profits, service clubs and initiatives within his community.
Peter holds his Series 7, 63, 66, 9 and 10 licenses.
Morgan Stanley Smith Barney LLC. Member SIPC.
CRC#3939000 12/2021
Securities Agent: WY, WV, VT, VI, OK, NH, MO, ME, LA, IA, HI, DE, AK, AL, AR, AZ, CA, CO, CT, DC, FL, GA, ID, IL, IN, KS, KY, MA, MD, MI, MN, MS, MT, NC, ND, NE, NJ, NM, NV, NY, OH, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, WA, WI; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 2301538
NMLS#: 2301538
About Anthony Barst
Anthony Barst is a financial advisor with the Anthem Point Group at Morgan Stanley. He focuses on working with high net worth families, business owners & corporate executives to help identify and prioritize their wishes while seeking to achieve their long term goals. Anthony's passion for advising clients across all phases of their financial life comes from his deep interest in helping people navigate an increasingly complex financial world. As the global landscape is ever changing, Anthony believes giving clients access to Morgan Stanley's best thinking across investments, lending & financial planning may deliver superior outcomes while minimizing worry.
Anthony began his career at J.P. Morgan's Private Bank where he spent over a decade most recently working as a Vice President & Investment Specialist. He provided comprehensive advice across banking, lending, investments and estate planning while developing a deep understanding of how clients view their wealth. He built customized portfolios across equities, fixed income and alternative assets to achieve the desired objectives.
Anthony has worked with a wide variety of clients from business owners to corporate executives to retirees. He has helped many business owners transition from owning an operating business to retirement while helping to ensure their assets would sustain their lifestyle. He has also helped professionals earning an income transition to using their assets as a primary source of income while keeping in mind the most important question: How much is enough to achieve everything I want?
Anthony is a CFA charter holder and member of the CFA Society of Detroit. The CFA designation is globally recognized and attests to a charter holder’s success in a rigorous and comprehensive study program in the field of investment management and research analysis.
He received his bachelor's degree from Michigan State University's Eli Broad College of Business in Finance and has also served as a board member on the Finance Association Advisory Board at Michigan State University.
In his spare time Anthony enjoys spending time with his wife and two daughters, playing golf and spending time in northern Michigan.
Anthony began his career at J.P. Morgan's Private Bank where he spent over a decade most recently working as a Vice President & Investment Specialist. He provided comprehensive advice across banking, lending, investments and estate planning while developing a deep understanding of how clients view their wealth. He built customized portfolios across equities, fixed income and alternative assets to achieve the desired objectives.
Anthony has worked with a wide variety of clients from business owners to corporate executives to retirees. He has helped many business owners transition from owning an operating business to retirement while helping to ensure their assets would sustain their lifestyle. He has also helped professionals earning an income transition to using their assets as a primary source of income while keeping in mind the most important question: How much is enough to achieve everything I want?
Anthony is a CFA charter holder and member of the CFA Society of Detroit. The CFA designation is globally recognized and attests to a charter holder’s success in a rigorous and comprehensive study program in the field of investment management and research analysis.
He received his bachelor's degree from Michigan State University's Eli Broad College of Business in Finance and has also served as a board member on the Finance Association Advisory Board at Michigan State University.
In his spare time Anthony enjoys spending time with his wife and two daughters, playing golf and spending time in northern Michigan.
Securities Agent: KY, CA, WY, MN, GA, TX, MO, MI, CO, TN, SC, PA, NJ, NC, FL, DC, AL, NE, ND, AZ, AR, NY, MA, KS, IL, WI, VA, RI, OH, NV, NM, WA, OR, NH, MS, MD, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 2170785
NMLS#: 2170785
About Thaddeus Bienko
Ted Bienko is a Financial Advisor Associate with the Anthem Point Group at Morgan Stanley. With over 20 years’ experience in the financial services industry Ted has held many different roles in lending, banking and investments. This allows him to provide knowledgeable counsel in all areas of his client’s finances while leveraging the industry leading solutions available on the Morgan Stanley platform. The personal CFO for his clients, Ted, helps them achieve their goals and objectives in a cost effective and tax efficient manner.
Ted’s holistic planning process addresses the investment, asset protection, insurance, and wealth transfer needs of his clients while coordinating closely with their trusted advisors (CPAs, Estate Attorneys, etc..). As Chartered Retirement Planning Counselor (CRPC®) Ted works with clients to develop income streams in retirement using many different strategies tailored to the client’s individual needs. While working in collaboration with the rest of the group, Teds primary responsibilities include fostering relationships with business owners and high net worth individuals along with their families.
When Ted is away from the office, he enjoys spending quality time with his wife Roxanne and daughter Isabella. Extremely passionate about self-improvement, Ted is constantly reading and acquiring new skills in many different genres. Our industry has moved into a new phase , building relationships, and adding value to our clients’ financial lives is the future of wealth management.
Ted holds his Series 7,66 & SIE licenses.
Ted’s holistic planning process addresses the investment, asset protection, insurance, and wealth transfer needs of his clients while coordinating closely with their trusted advisors (CPAs, Estate Attorneys, etc..). As Chartered Retirement Planning Counselor (CRPC®) Ted works with clients to develop income streams in retirement using many different strategies tailored to the client’s individual needs. While working in collaboration with the rest of the group, Teds primary responsibilities include fostering relationships with business owners and high net worth individuals along with their families.
When Ted is away from the office, he enjoys spending quality time with his wife Roxanne and daughter Isabella. Extremely passionate about self-improvement, Ted is constantly reading and acquiring new skills in many different genres. Our industry has moved into a new phase , building relationships, and adding value to our clients’ financial lives is the future of wealth management.
Ted holds his Series 7,66 & SIE licenses.
Securities Agent: MI, IL, NJ, CA, PA, TN, OR, NC, NY, MA, FL, WA, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 799031
NMLS#: 799031
About Paul Gasieski
As a Client Service Associate with the Anthem Point Group, Paul works diligently to deliver consistent, responsive and quality care to our clients. A consummate professional, Paul is involved in all aspects of client service including general account support, funds transfer requests and new client onboarding. Often the first point of contact, Paul has proven himself to be a capable and seasoned resource for the clients we serve.
Upon graduating high school from his hometown of Stockbridge, Michigan, he joined the Air Force where he served for four years. He then attended Lansing Community College to complete his associates degree before transferring to Michigan State University to earn his Bachelor’s degree in Communications. During his senior year, he worked as an intern with Morgan Stanley and upon graduation, he joined the team full-time in 2018 having demonstrated his strong skillsets in delivering world-class customer care.
After traveling the country while in the Air Force, Paul has enjoyed settling down in Mason with his children Austin and Eli.
Upon graduating high school from his hometown of Stockbridge, Michigan, he joined the Air Force where he served for four years. He then attended Lansing Community College to complete his associates degree before transferring to Michigan State University to earn his Bachelor’s degree in Communications. During his senior year, he worked as an intern with Morgan Stanley and upon graduation, he joined the team full-time in 2018 having demonstrated his strong skillsets in delivering world-class customer care.
After traveling the country while in the Air Force, Paul has enjoyed settling down in Mason with his children Austin and Eli.

Contact Troy Cowdrey

Contact Peter Kofflin

Contact Anthony Barst

Contact Thaddeus Bienko
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
About Joseph V. Portera
Joseph Portera is a Private Banker serving Morgan Stanley Wealth Management offices in Michigan.
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.
Joseph began his career in financial services in 2002 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Commercial Lender and Market Director at JPMorgan Chase.
Joseph is a graduate of the Haworth College of Business at Western Michigan University where he received a Bachelor of Business Administration in Finance, and Keller Graduate School of Business where he received a Master’s in Business Administration in Finance & Accounting.
Joseph and his family currently reside in Grosse Pointe, Michigan. Outside of the office, he enjoys martial arts, skiing, tennis, and spending time with his 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.
Joseph began his career in financial services in 2002 and joined Morgan Stanley in 2018. Prior to joining the firm, he served as a Commercial Lender and Market Director at JPMorgan Chase.
Joseph is a graduate of the Haworth College of Business at Western Michigan University where he received a Bachelor of Business Administration in Finance, and Keller Graduate School of Business where he received a Master’s in Business Administration in Finance & Accounting.
Joseph and his family currently reside in Grosse Pointe, Michigan. Outside of the office, he enjoys martial arts, skiing, tennis, and spending time with his family.
NMLS#: 1260889
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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
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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
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
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- Set themselves apart by offering comprehensive financial wellness benefits.
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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.
2When 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.
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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.
2When 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.
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 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.
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.
6When 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.
7Morgan 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.
8Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
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Awards Disclosures
CRC 6491812 (04/2024)