Richard Croasdaile, CFP®
Managing Director, Wealth Management, Financial Advisor
Phone:
(216) 292-9057(216) 292-9057
The Croasdaile Group at Morgan Stanley
Direct:
(216) 292-9057(216) 292-9057
Toll-Free:
(800) 892-6126(800) 892-6126
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
The Croasdaile Group
Our team culture fosters a mix of energy and compassion, along with the depth and breadth of knowledge to help your family successfully maintain wealth across multiple generations. We believe the reasons for our long-standing relationships are due to the following factors:
• Thoughtful approach to developing, implementing and tactically helping to manage investments through multiple economic cycles. Focus on family wealth management
• We follow an integrated approach to planning that incorporates issues of wealth transfer, asset preservation strategies and location and business succession planning.
• We understand and can assist you with the dynamics of changing family structures.
• We help you plan for the “what ifs” – the unexpected career change, the financial burden of a health challenge or the sudden loss of a spouse.
• Disciplined and consistent approach to client service
• We are committed to answering your requests and questions instantly.
• We make sure to be in contact with you often and regularly, with monthly check-ins and a detailed annual review.
• We are here to help you with any financial issue – be it deciding whether to buy or lease a car, or timing a gift to a child or grandchild.
• Thoughtful approach to developing, implementing and tactically helping to manage investments through multiple economic cycles. Focus on family wealth management
• We follow an integrated approach to planning that incorporates issues of wealth transfer, asset preservation strategies and location and business succession planning.
• We understand and can assist you with the dynamics of changing family structures.
• We help you plan for the “what ifs” – the unexpected career change, the financial burden of a health challenge or the sudden loss of a spouse.
• Disciplined and consistent approach to client service
• We are committed to answering your requests and questions instantly.
• We make sure to be in contact with you often and regularly, with monthly check-ins and a detailed annual review.
• We are here to help you with any financial issue – be it deciding whether to buy or lease a car, or timing a gift to a child or grandchild.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
When we sit down together to talk for the first time, we’re going to get to the heart of what’s truly important in your life. The better we understand your financial needs, your long-term goals and expectations, as well as your fears and challenges, the better we can customize a sound investment strategy for you. We don’t make assumptions; instead, we listen carefully to your answers before building your financial plan.
From an investment perspective, we have always believed that most of a portfolio’s performance can be attributed to asset allocation by category. We employ a sophisticated strategy that is designed to help mitigate risk and enhance returns in your investment portfolio.
In addition, we believe you should be able to liquidate your assets at any time without fear of penalty. That means that your investment portfolio will be designed to easily accommodate sudden changes in your life without costing you dearly. In addition, because we do not charge you on a commission or transactional basis, our success is tied to yours. When your investments do well, our compensation increases. When your investment performance is less satisfactory, our compensation decreases.
Drawing on Rich’s skills as a CERTIFIED FINANCIAL PLANNER™, we build, implement and monitor a personalized financial plan that is tailored to meet your level of comfort with risk, provide you with necessary liquidity and outlines specific steps to achieve your goals.
From an investment perspective, we have always believed that most of a portfolio’s performance can be attributed to asset allocation by category. We employ a sophisticated strategy that is designed to help mitigate risk and enhance returns in your investment portfolio.
In addition, we believe you should be able to liquidate your assets at any time without fear of penalty. That means that your investment portfolio will be designed to easily accommodate sudden changes in your life without costing you dearly. In addition, because we do not charge you on a commission or transactional basis, our success is tied to yours. When your investments do well, our compensation increases. When your investment performance is less satisfactory, our compensation decreases.
Drawing on Rich’s skills as a CERTIFIED FINANCIAL PLANNER™, we build, implement and monitor a personalized financial plan that is tailored to meet your level of comfort with risk, provide you with necessary liquidity and outlines specific steps to achieve your goals.
Every client deserves to receive exceptional service while getting our very best investment counsel. Our support staff has been with our team for the majority of their careers, which means we all know each of our clients personally. In fact, we can usually recognize your voice on the phone without looking at caller ID. We pride ourselves on being available at all times to take your calls, answer your questions and fulfill your requests in a timely manner. When you talk with us, you receive our full attention and become the most important person to us in that moment.
We make it a point to proactively engage with you on a regular basis about your portfolio’s progress as well as any changes in your life. Our clients rely on us for a lot more than investment advice. We are privileged to be the “first call” for countless client decisions, whether it’s a career move, a real estate purchase, a health care decision, or simply transferring money between accounts. We treat you with respect and care, and are rewarded by your respect and trust. Our commitment to delivering outstanding service is based on our authentic dedication to helping you live the life you desire.
We make it a point to proactively engage with you on a regular basis about your portfolio’s progress as well as any changes in your life. Our clients rely on us for a lot more than investment advice. We are privileged to be the “first call” for countless client decisions, whether it’s a career move, a real estate purchase, a health care decision, or simply transferring money between accounts. We treat you with respect and care, and are rewarded by your respect and trust. Our commitment to delivering outstanding service is based on our authentic dedication to helping you live the life you desire.
Location
31099 Chagrin Blvd
3rd Fl
Pepper Pike, OH 44124
US
Direct:
(216) 292-9057(216) 292-9057
Toll-Free:
(800) 892-6126(800) 892-6126
Meet The Croasdaile Group
Lauren Croasdaile Erb
Financial Advisor
Phone:
(216) 292-9063(216) 292-9063
Kristie Kwiatkowski
Portfolio Associate
Phone:
(216) 292-9067(216) 292-9067
Julian “Julie” R. Leslie
Client Service Associate
Phone:
(216) 292-9066(216) 292-9066
Lira Wilson
Portfolio Associate
Phone:
(216) 292-9064(216) 292-9064
About Richard Croasdaile
Richard E. Croasdaile, III, CFP®
Managing Director – Wealth Management
Financial Advisor
I lead the team’s financial planning and investment practice. My extensive knowledge and experience in retirement, estate, education, philanthropic, income planning and analysis allows me to quarterback the creation of wealth plans for affluent families. I am responsible for the ongoing due diligence of our client portfolios and have completed rigorous coursework and examinations to earn the prestigious CERTIFIED FINANCIAL PLANNER TM certification.
Whether they’re a busy CEO or retired teacher, the people I serve are smart. They work hard to achieve specific goals for their family, their business and themselves and we approach each situation together with a combination of knowledge, focus and compassion. My goal is to protect and preserve the fruits of their labor, while also growing their assets towards future dreams.
I am a proud graduate of Western Reserve Academy in Hudson, Ohio, and of Furman University in South Carolina. After graduation, I worked for Dun & Bradstreet as a business analyst and divisional manager before joining Kidder Peabody as a Financial Advisor. I moved to Merrill Lynch in 1987, where I was heralded for my ability to select and monitor outside managers. I was also recognized as having the most organized and disciplined investment process and service model in all of the company. I became a sought after keynote speaker to other Advisors around the country, counseling them on how to provide outstanding service to their clients.
In 2017, my team and I joined Morgan Stanley’s offices in Pepper Pike, Perrysburg and Canton, Ohio, where we continue to provide highly personalized, family focused wealth management to generations of loyal clients across the nation.
Outside of work, I have been The Senior Warden of my church, worked with Junior Achievement and coached numerous youth sports teams. My wife, Connie, and I live in Chagrin Falls, Ohio. We are the proud parents of two accomplished daughters, Caroline and Lauren and enjoy spending time with our two young grandchildren.
Managing Director – Wealth Management
Financial Advisor
I lead the team’s financial planning and investment practice. My extensive knowledge and experience in retirement, estate, education, philanthropic, income planning and analysis allows me to quarterback the creation of wealth plans for affluent families. I am responsible for the ongoing due diligence of our client portfolios and have completed rigorous coursework and examinations to earn the prestigious CERTIFIED FINANCIAL PLANNER TM certification.
Whether they’re a busy CEO or retired teacher, the people I serve are smart. They work hard to achieve specific goals for their family, their business and themselves and we approach each situation together with a combination of knowledge, focus and compassion. My goal is to protect and preserve the fruits of their labor, while also growing their assets towards future dreams.
I am a proud graduate of Western Reserve Academy in Hudson, Ohio, and of Furman University in South Carolina. After graduation, I worked for Dun & Bradstreet as a business analyst and divisional manager before joining Kidder Peabody as a Financial Advisor. I moved to Merrill Lynch in 1987, where I was heralded for my ability to select and monitor outside managers. I was also recognized as having the most organized and disciplined investment process and service model in all of the company. I became a sought after keynote speaker to other Advisors around the country, counseling them on how to provide outstanding service to their clients.
In 2017, my team and I joined Morgan Stanley’s offices in Pepper Pike, Perrysburg and Canton, Ohio, where we continue to provide highly personalized, family focused wealth management to generations of loyal clients across the nation.
Outside of work, I have been The Senior Warden of my church, worked with Junior Achievement and coached numerous youth sports teams. My wife, Connie, and I live in Chagrin Falls, Ohio. We are the proud parents of two accomplished daughters, Caroline and Lauren and enjoy spending time with our two young grandchildren.
Securities Agent: SD, NC, ME, AL, VI, SC, MA, IL, OR, CO, WA, NH, FL, AZ, NY, MI, MD, KY, CA, TX, WY, OK, OH, NJ, WI, PA, VA, ID, WV; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 590811
NMLS#: 590811
About Lauren Croasdaile Erb
Lauren Croasdaile
Financial Advisor
The path that I traveled to Morgan Stanley provides me with some rare perspectives as a Financial Advisor. I find it especially rewarding to assist and build relationships with “the next generation” of clients’ families and young couples beginning their financial journeys.
My ability to listen closely to clients and clearly communicate strategies began in Cambridge, Massachusetts, where I worked for a year at HubSpot, a cutting edge software company. Later, I moved to Australia, where I spent four years in advertising and digital marketing in a client-facing role, working directly with C-suite marketing directors of well-known Fortune 1000 companies. Of course, my appreciation of wise financial behavior began at a young age, learning from my father (and now colleague) about the importance of saving early and often, and following a disciplined, goals based strategy. I joined my father’s team at Merrill Lynch in 2015 and moved with him and the team to Morgan Stanley in 2017.
A graduate of Sewanee: The University of the South, I hold a bachelor’s degree in psychology. Like my father, I am an alumnus of Western Reserve Academy in Hudson, Ohio. I grew up in Toledo, Ohio and currently reside in Chagrin Falls with my husband and two young children.
Financial Advisor
The path that I traveled to Morgan Stanley provides me with some rare perspectives as a Financial Advisor. I find it especially rewarding to assist and build relationships with “the next generation” of clients’ families and young couples beginning their financial journeys.
My ability to listen closely to clients and clearly communicate strategies began in Cambridge, Massachusetts, where I worked for a year at HubSpot, a cutting edge software company. Later, I moved to Australia, where I spent four years in advertising and digital marketing in a client-facing role, working directly with C-suite marketing directors of well-known Fortune 1000 companies. Of course, my appreciation of wise financial behavior began at a young age, learning from my father (and now colleague) about the importance of saving early and often, and following a disciplined, goals based strategy. I joined my father’s team at Merrill Lynch in 2015 and moved with him and the team to Morgan Stanley in 2017.
A graduate of Sewanee: The University of the South, I hold a bachelor’s degree in psychology. Like my father, I am an alumnus of Western Reserve Academy in Hudson, Ohio. I grew up in Toledo, Ohio and currently reside in Chagrin Falls with my husband and two young children.
Securities Agent: ME, WV, NJ, NC, MD, ID, MI, IL, AZ, TX, SD, OH, NH, WI, WA, SC, OR, OK, NY, CO, AL, MA, VA, KY, FL, CA, VI, WY, PA; General Securities Representative; Investment Advisor Representative
NMLS#: 1461682
NMLS#: 1461682
About Kristie Kwiatkowski
I am proud to celebrate more than 25 years in the financial industry, as well as long-term relationships with clients that span multiple generations. A lifelong resident of Toledo-Maumee area, I began my career as a teller at Society Bank, eventually becoming a supervisor and team leader at Society National Bank (when its name changed). I joined the Croasdaile Group in 1996. In addition to answering clients’ inquiries and handling their transactional and account requests, I serve as a liaison for our clients between other team members and specialists throughout the firm.
My husband, Bob, and I spend most of our free time with our daughter and two sons – watching them play baseball, softball, volleyball, soccer, golf, gymnastics, and singing and dancing. To “relax,” I enjoy coaching my kids, traveling, and rooting for the Detroit Tigers, and the football teams of University of Toledo and University of Michigan. I am a board member of The Jenn & Jane’s Safe House for Women & Children and am active in events to protect against domestic violence, and support Breast Cancer Awareness, U.S Veterans, and Progeria.
My husband, Bob, and I spend most of our free time with our daughter and two sons – watching them play baseball, softball, volleyball, soccer, golf, gymnastics, and singing and dancing. To “relax,” I enjoy coaching my kids, traveling, and rooting for the Detroit Tigers, and the football teams of University of Toledo and University of Michigan. I am a board member of The Jenn & Jane’s Safe House for Women & Children and am active in events to protect against domestic violence, and support Breast Cancer Awareness, U.S Veterans, and Progeria.
About Julian “Julie” R. Leslie
As a Client Service Associate, I am the primary point of contact for many of our team’s clients. I am committed to handling every request in a timely and accurate fashion and I enjoy delivering first-class customer service with each interaction. I joined the Croasdaile Group in 1998, after working for three years at Key Bank.
I grew up in Maumee, Ohio and attended the University of Toledo. Today, I reside in Perrysburg Township with my fiancée, Troy Miller, and my dog, Bailey. My favorite “away from the office” moments include rooting for University of Michigan basketball and Detroit Tigers baseball teams, and serving others through several volunteer efforts.
I grew up in Maumee, Ohio and attended the University of Toledo. Today, I reside in Perrysburg Township with my fiancée, Troy Miller, and my dog, Bailey. My favorite “away from the office” moments include rooting for University of Michigan basketball and Detroit Tigers baseball teams, and serving others through several volunteer efforts.
Contact Richard Croasdaile
Contact Lauren Croasdaile Erb
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact The Croasdaile Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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 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.
4Morgan 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.
5Morgan 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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 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.
4Morgan 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.
5Morgan 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards 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)