Charles P Mott, CFP®
First Vice President, Wealth Management, Financial Advisor, Alternative Investments Director
Phone:
(941) 364-3537(941) 364-3537
The Credo Group at Morgan Stanley
Direct:
(941) 364-3551(941) 364-3551
Toll-Free:
(800) 237-9441(800) 237-9441
Our Mission Statement
Someday in the future you’ll want to have made financial decisions that make you, your family, and others you care about, grateful and proud. Our mission is to listen and understand what is important to you, and to make those decisions, if not always easy, at least obvious today.
About Us
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Planning With You In Mind
It's never been more important to create a plan that can help secure your future and guide you to your goals. As your Financial Advisors we make it our priority to work with you to discover what matters most to you and your family. Join our team for a complimentary portfolio risk review, where we will "stress test" your current portfolio and demonstrate how we seek to mitigate risk in our portfolios using volatility calming techniques. Review our process below to see how we help you to achieve these goals.
Step 1: Understanding You
We begin with an in-depth conversation to understand your goals and the goals of your family, the concerns you have and what you ultimately would like to achieve.
Step 2: Analyzing Your Needs
Next, we review your current and future financial situation, identify the likelihood of reaching your goals, and help address any potential shortfalls of the impact of unexpected life events.
Step 3: Tailoring a Plan for Your Specific Goals
During this stage, we'll prepare a comprehensive wealth management plan that can address your individual income and cash flow needs, investment objectives and guidelines, and risk/return parameters.
Step 4: Implementing Your Plan
With our guidance, you'll have access to a comprehensive array of strategies, services, and programs that work in tandem to help grow, preserve and transfer wealth, while remaining aligned with your personal goals and aspirations.
Step 5: Monitoring Results and Consistent Communication
We oversee your progress on a daily basis and review the performance through ongoing calls and meetings. We may recommend adjustments over time, due to changing market conditions or changes in your circumstances, to help you stay on track towards achieving your goals.
Our Digital Suite of Tools
Digital technology is centered on how people communicate, consume, transact, and travel. Our comprehensive suite of digital tools is designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
Morgan Stanley Online
Beyond viewing your account balance and activity, Morgan Stanley Online (MSO) has a suite of features that allow you to manage your everyday finances from paying bills and sending money, to transferring funds and authorizing transactions with one click using eAuthorizations.
Morgan Stanley Online
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows for easy sharing and convenient access to life’s most important documents from wills and deeds to financial statements and tax fillings. Easily manage your encrypted financial records all in one place.
Digital Vault
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online (MSO) may enroll in eDelivery.
eDelivery
Total Wealth View
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind. Completing your financial picture with Total Wealth View gives our clients the benefit of more informed wealth planning, more secure data access, and convenient connectivity.
Total Wealth ViewForbes Best-In-State Wealth Management Teams
In 2024 and 2025, The Credo Group was named to the Best-In-State Wealth Management Teams list for Northern Florida.
Forbes Best-In-State Wealth Management Teams ranking was developed by SHOOK Research and is based on in-person, virtual, and telephone due diligence meetings to measure best practices, client retention, industry experience, credentials, review of compliance records, firm nominations, and quantitative criteria such as assets under management and revenue generated for their firms.
Pacesetter's Club
In 2023 and 2024, Michael Martell was named to the Pacesetter's Club at Morgan Stanley Wealth Management. The Pacesetter's Club is a global recognition program for Financial Advisors who have demonstrated the highest professional standards and first-class client service.
Disclosure: Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23-3/31/24.
Disclosure: Forbes Best-In-State Wealth Management Teams Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22-3/31/23.
Useful Documents
Our role is to provide access to the skills and resources required to help you meet the myriad of challenges which come with managing wealth, allowing our clients to enjoy the benefits wealth affords.
2025 Morgan Stanley Tax Table
2025 Federal Tax Tables to assist clients in their investment decisions.
Click here to readCashPlus: A Modern Alternative to Banking
More value and protection in one cash management account.
Click here to readCybersecurity and Fraud Prevention
The Cybersecurity Brochure showcases how Morgan Stanley helps safeguard clients’ assets and personal information. This brochure can be ordered on the FAMC.
Click here to readeDelivery Client Guide
Sign up for eDelivery and start receiving email notifications as soon as your account documents are available on Morgan Stanley Online or the Morgan Stanley Mobile App.
Click here to readMorgan Stanley AMEX Platinum Card
Premium perks and best-in-class benefits for wherever life takes you. The Platinum Card® from American Express, exclusively for Morgan Stanley.
Click here to readMorgan Stanley Online
Seamlessly and securely manage your investments and everyday finances in one place.
Click here to readLocation
2 North Tamiami Trail
Ste 1100
Sarasota, FL 34236
US
Direct:
(941) 364-3551(941) 364-3551
Toll-Free:
(800) 237-9441(800) 237-9441
Meet The Credo Group
Mark S Serio
First Vice President, Wealth Management, Financial Advisor
Phone:
(941) 364-3551(941) 364-3551
Michael Martell
Financial Advisor, Financial Planning Specialist
Phone:
(941) 364-7446(941) 364-7446
Andrea L. Merritt
Senior Registered Associate
Phone:
(941) 364-7420(941) 364-7420
About Charles P Mott
Mr. Mott is a financial advisor in the Wealth Management group at Morgan Stanley focusing on retirement income; investment management; asset allocation; education funding; lending, liquidity, and cash flow planning; and in life, disability, and long term care insurance. Prior to joining Morgan Stanley, Mr. Mott served in the US Navy as a surface warfare and intelligence officer for 29 plus years involving deployments and assignments to the Mediterranean and Norwegian Seas, Persian Gulf, Haiti, Germany, and Iraq. His final assignment was as the US Navy’s liaison officer to the Central Intelligence Agency. Mr. Mott has a B.A. in Government from the College of William and Mary and a M.A. in National Security Affairs from Georgetown University. He is a Certified Financial Planner™ and holds Series 7, 63, and 66 registrations.
Mr. Mott is active in the Sarasota and Manatee Chambers of Commerce, Manatee Economic Development Council, and Port Manatee Propeller Club.
In 2024 and 2025, The Credo Group was named to the Forbes Best-In-State Wealth Management Teams list for Northern Florida.
Areas of Focus:
· Alternative Investments
· Annuities
· Annuity Planning
· Asset Liability
· ETFs
· Family Financial Planning
· Family Wealth
· Family Wealth Planning
· Family Wealth Management
· Liability Insurance
· Life Insurance
· Liquidity Risk Management
· Retirement
· Retirement Planning
· Trusts
· 1031 Exchange
· 401k
Disclosure: Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23-3/31/24.
Disclosure: Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22-3/31/23.
Mr. Mott is active in the Sarasota and Manatee Chambers of Commerce, Manatee Economic Development Council, and Port Manatee Propeller Club.
In 2024 and 2025, The Credo Group was named to the Forbes Best-In-State Wealth Management Teams list for Northern Florida.
Areas of Focus:
· Alternative Investments
· Annuities
· Annuity Planning
· Asset Liability
· ETFs
· Family Financial Planning
· Family Wealth
· Family Wealth Planning
· Family Wealth Management
· Liability Insurance
· Life Insurance
· Liquidity Risk Management
· Retirement
· Retirement Planning
· Trusts
· 1031 Exchange
· 401k
Disclosure: Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23-3/31/24.
Disclosure: Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22-3/31/23.
Securities Agent: KS, IA, GA, DE, SD, PA, IL, WA, NM, MN, MD, FL, DC, TX, TN, CT, OK, ID, VA, ME, CO, CA, AZ, SC, NV, NH, MO, NY, NC, MI, WI, NJ, MA; General Securities Representative; Investment Advisor Representative
NMLS#: 1268406
CA Insurance License #: 0F73811
NMLS#: 1268406
CA Insurance License #: 0F73811
About Mark S Serio
Born into a military family, Mark spent his youth in various cities across the US and Europe. He is a graduate of the University of Massachusetts and holds a BS degree in Finance and HR Management. Directly after graduating, Mark went to work with PeopleExpress airline as a Customer Service Manager. Mark came to Sarasota for vacation in 1982 and fell in love with the small town feel that brings so many here and never looked back. He began his career as a financial advisor in 1995. When he’s not at work, you can find Mark at small concert venues around Sarasota, where he plays lead guitar with some of the best musicians in country.
In 2024 and 2025, The Credo Group was named to the Forbes Best-In-State Wealth Management Teams list for Northern Florida.
Areas of Focus:
· Alternative Investments
· Annuities
· Annuity Planning
· Asset Liability
· ETFs
· Family Financial Planning
· Family Wealth
· Family Wealth Planning
· Family Wealth Management
· Liability Insurance
· Life Insurance
· Liquidity Risk Management
· Retirement
· Retirement Planning
· Trusts
· 1031 Exchange
· 401k
Disclosure: Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23-3/31/24.
Disclosure: Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22-3/31/23.
In 2024 and 2025, The Credo Group was named to the Forbes Best-In-State Wealth Management Teams list for Northern Florida.
Areas of Focus:
· Alternative Investments
· Annuities
· Annuity Planning
· Asset Liability
· ETFs
· Family Financial Planning
· Family Wealth
· Family Wealth Planning
· Family Wealth Management
· Liability Insurance
· Life Insurance
· Liquidity Risk Management
· Retirement
· Retirement Planning
· Trusts
· 1031 Exchange
· 401k
Disclosure: Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23-3/31/24.
Disclosure: Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22-3/31/23.
Securities Agent: KS, DC, MN, GA, RI, OK, NV, MO, MD, MA, IL, DE, ID, CA, VA, OH, NH, PA, FL, AL, TN, MI, IA, SC, NY, CT, NM, NJ, NC, ME, AZ, WA, TX, SD, CO, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 1446190
NMLS#: 1446190
About Michael Martell
Michael C. Martell is a Financial Advisor with the Credo Group at Morgan Stanley. With a B.S. degree in Finance and an Economics minor from Florida State University, Michael began his career in 2016 as an Intern for Morgan Stanley. His passion for helping individuals achieve their financial goals led him to intern with the firm for three consecutive years. Michael eventually returned in 2018 full-time as a Wealth Advisor Associate where he used modern wealth management technologies to create comprehensive financial analyses for high-net-worth families. Michael transitioned to become a financial advisor with the Credo Group in 2020 – ultimately leading him to earn a 2023, 2024, and 2025 membership in Morgan Stanley’s Pacesetter’s Club – a global recognition program for Financial Advisors who have demonstrated the highest professional standards and first class client service.
With 8 years of experience in the financial services industry, Michael focuses on helping clients achieve their lifelong dreams by creating a financial roadmap tailored to meet their specific goals and needs. Michael also assists in helping clients prepare for many of life’s other financial milestones, such as: business succession, education planning, insurance & long-term care planning, as well as utilizing the strengths of Morgan Stanley to assist UHNW families in areas such as: Family Governance, Philanthropy Management, and Lifestyle Advisory services. In tandem with his partners Mark Serio & Phil Mott, Michael also assists in tactical portfolio construction and alternative investments research.
Michael currently resides in Sarasota, FL. Outside of the office Michael enjoys volunteering his time to organizations such as the American Cancer Society and the Southeastern Guide Dogs Inc. During his free time, he enjoys golfing, playing tennis and pickleball, and traveling to go alpine skiing.
In 2024 and 2025, The Credo Group was named to the Forbes Best-In-State Wealth Management Teams list for Northern Florida.
Areas of Focus:
· Alternative Investments
· Annuities
· Annuity Planning
· Asset Liability
· ETFs
· Family Financial Planning
· Family Wealth
· Family Wealth Planning
· Family Wealth Management
· Liability Insurance
· Life Insurance
· Liquidity Risk Management
· Retirement
· Retirement Planning
· Trusts
· 1031 Exchange
· 401k
Disclosure: Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23-3/31/24.
Disclosure: Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22-3/31/23.
Securities Agent: CO, WI, IA, DE, CA, TX, NJ, NH, MO, MD, PA, NV, MI, AR, WA, VA, IL, DC, SC, ID, GA, OK, NC, ME, NM, FL, SD, MA, LA, CT, MN, AZ, AL, TN, NY, KS; General Securities Representative; Investment Advisor Representative
NMLS#: 1844968
With 8 years of experience in the financial services industry, Michael focuses on helping clients achieve their lifelong dreams by creating a financial roadmap tailored to meet their specific goals and needs. Michael also assists in helping clients prepare for many of life’s other financial milestones, such as: business succession, education planning, insurance & long-term care planning, as well as utilizing the strengths of Morgan Stanley to assist UHNW families in areas such as: Family Governance, Philanthropy Management, and Lifestyle Advisory services. In tandem with his partners Mark Serio & Phil Mott, Michael also assists in tactical portfolio construction and alternative investments research.
Michael currently resides in Sarasota, FL. Outside of the office Michael enjoys volunteering his time to organizations such as the American Cancer Society and the Southeastern Guide Dogs Inc. During his free time, he enjoys golfing, playing tennis and pickleball, and traveling to go alpine skiing.
In 2024 and 2025, The Credo Group was named to the Forbes Best-In-State Wealth Management Teams list for Northern Florida.
Areas of Focus:
· Alternative Investments
· Annuities
· Annuity Planning
· Asset Liability
· ETFs
· Family Financial Planning
· Family Wealth
· Family Wealth Planning
· Family Wealth Management
· Liability Insurance
· Life Insurance
· Liquidity Risk Management
· Retirement
· Retirement Planning
· Trusts
· 1031 Exchange
· 401k
Disclosure: Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/23-3/31/24.
Disclosure: Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period from 3/31/22-3/31/23.
Securities Agent: CO, WI, IA, DE, CA, TX, NJ, NH, MO, MD, PA, NV, MI, AR, WA, VA, IL, DC, SC, ID, GA, OK, NC, ME, NM, FL, SD, MA, LA, CT, MN, AZ, AL, TN, NY, KS; General Securities Representative; Investment Advisor Representative
NMLS#: 1844968
Securities Agent: CO, WI, IA, DE, CA, TX, NJ, NH, MO, MD, PA, NV, MI, AR, WA, VA, IL, DC, SC, ID, GA, OK, NC, ME, NM, FL, SD, MA, LA, CT, MN, AZ, AL, TN, NY, KS; General Securities Representative; Investment Advisor Representative
NMLS#: 1844968
NMLS#: 1844968
About Andrea L. Merritt
Andrea began her career in the financial industry as a receptionist with Legg Mason in 1997. She was quickly promoted to a client service associate where she was able to display her strong customer service skills. In 2000 she accepted an offer to work as a Trust Specialist Assistant at Citi Trust/Smith Barney enabling her to further honed her customer skills and her knowledge of our industry. Via the merger of Morgan Stanley/ Smith Barney in 2005, she has come to her present position as Senior Client Service Associate. Andrea has been recognized by our firm continuously: 2012 Outstanding Service Award 2013 Wow Award Certificate of Accomplishment 2017 for Digital Leader. When Andrea is not working, she enjoys playing with her grandchildren and touring the countryside on her Harley Davidson.
Areas of Focus:
· Alternative Investments
· Annuities
· Annuity Planning
· Asset Liability
· ETFs
· Family Financial Planning
· Family Wealth
· Family Wealth Planning
· Family Wealth Management
· Liability Insurance
· Life Insurance
· Liquidity Risk Management
· Retirement
· Retirement Planning
· Trusts
· 1031 Exchange
· 401k
Areas of Focus:
· Alternative Investments
· Annuities
· Annuity Planning
· Asset Liability
· ETFs
· Family Financial Planning
· Family Wealth
· Family Wealth Planning
· Family Wealth Management
· Liability Insurance
· Life Insurance
· Liquidity Risk Management
· Retirement
· Retirement Planning
· Trusts
· 1031 Exchange
· 401k
Contact Charles P Mott
Contact Mark S Serio
Contact Michael Martell
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
Justine Smale
Private Banker
About Justine Smale
Justine Smale is a Private Banker serving Morgan Stanley Wealth Management offices in Florida.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Justine began her career in financial services in 1992, and joined Morgan Stanley in 2016. Prior to joining the firm, she spent 21 years at Merrill Lynch and Bank of America and held many positions including Wealth Management Banker, Premier Client Manager, and Branch Manager.
Justine is a graduate of Florida International University, where she received a Bachelor of Arts in Business Administration, Business Management, and
International Business with Magna Cum Laude distinction. She lives in Sarasota, Florida with her family.
Outside of the office, Justine donates her time volunteering for different organizations. She also enjoys being active, gardening, spending time outdoors, entertaining at home and spending time with family and friends.
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.
Justine began her career in financial services in 1992, and joined Morgan Stanley in 2016. Prior to joining the firm, she spent 21 years at Merrill Lynch and Bank of America and held many positions including Wealth Management Banker, Premier Client Manager, and Branch Manager.
Justine is a graduate of Florida International University, where she received a Bachelor of Arts in Business Administration, Business Management, and
International Business with Magna Cum Laude distinction. She lives in Sarasota, Florida with her family.
Outside of the office, Justine donates her time volunteering for different organizations. She also enjoys being active, gardening, spending time outdoors, entertaining at home and spending time with family and friends.
NMLS#: 641860
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
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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
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Ready to start a conversation? Contact The Credo Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Morgan 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.
4Morgan 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
5Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
9Alternative 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.
10When 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Morgan 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.
4Morgan 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
5Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Morgan 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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
9Alternative 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.
10When 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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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.
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Awards Disclosures
CRC 6491812 (04/2024)
