Gerald Curtis
Executive Director, Financial Advisor, Family Wealth Director
Phone:
(781) 431-6732(781) 431-6732
The Curtis Group at Morgan Stanley
Direct:
(781) 431-6700(781) 431-6700
Toll-Free:
(800) 767-7462(800) 767-7462
Our Mission Statement
Comprehensive wealth planning strategies for your life and legacy
About Us
Our team, The Curtis Group at Morgan Stanley, utilizes the extensive resources available at Morgan Stanley, giving clients access to a preeminent financial services firm while retaining the intimacy of a personal practice. Our goal is to meet and exceed our client's standards by helping them devise strategies to preserve what they have earned and pursue whatever goals they choose.
We provide access to the full range of experience and resources Morgan Stanley has to offer. This includes asset allocation, portfolio construction, financial, tax, estate planning strategies and more. We are completely dedicated to meeting our client's needs and take a long term, conservative approach to preserving and growing their assets.
Forbes Recognition
2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24.
Gerald Curtis and Bryan White were both recognized as Forbes Best in State Wealth Advisors in 2025
Source: Forbes.com (Awarded April 2025) Data compiled by SHOOK Research LLC for the period 6/30/23 - 6/30/24.
Disclosure: Asset Allocation or Diversification does not guarantee a profit or protect against loss in a declining financial market.
Services Include
- Wealth ManagementFootnote1
- Sustainable InvestingFootnote2
- Business Succession PlanningFootnote3
- Endowments and FoundationsFootnote4
- Philanthropic ManagementFootnote5
- Estate Planning StrategiesFootnote6
- Executive Benefit ServicesFootnote7
- Financial PlanningFootnote8
- Retirement PlanningFootnote9
- Divorce Financial AnalysisFootnote10
- Alternative InvestmentsFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
WORKING WITH YOU
Our clients deserve Financial Advisors who can identify the varied aspects of their financial life and work diligently to uncover a myriad of possible strategies that help them address their aspirations. Our process includes our clients' other personal advisors, such as their attorney or accountant; together we can help ensure that critical areas dovetail effectively with their overall investment and wealth management strategies. A well-rounded collaboration is in our clients best interest. These four steps were developed to help achieve that goal:
1. Personal review
Before we can advise you, our team must understand you and your goals. We will guide you through an extensive discovery process to identify your objectives, time horizon, tolerance for risk and other considerations that may play a role in shaping your investment strategy.
2. Asset allocation and portfolio planning
Your input drives the development of a personalized financial strategy. Designed to help you meet your specific needs, it addresses areas such as retirement, education expenses, estate planning strategies and investment tax minimization potential. When our analysis is complete, we will present to you an investment strategy that helps to identify appropriate diversification for your portfolio.
3. Implementation
After we have discussed and refined your strategy, we work closely with you to bring the elements to life. Should we decide that outside money managers are appropriate for you, we will help you select from the hundreds of investment management firms available to you. If you prefer to invest in individual securities, we can help identify specific stocks, bonds and other securities that may be suitable for your portfolio. Whatever approach we decide on together, our team will help you keep your strategy on track.
4. Ongoing communications and reporting
We view ongoing communication as the foundation of our successful collaboration with you. We will make every effort to keep abreast of your changing financial needs and provide viable strategies to help you meet them. This means reviewing your portfolio together at your request. When your circumstances change, we will work with you to revise your strategy and reposition your assets to reflect your new needs and goals.
OUR GOALS
With experienced professionals and the right resources, reaching your most important goals can be less challenging and more rewarding. We are ready to help you meet your goals, by combining our insights into your needs with the resources of Morgan Stanley.
- Balance sheet analysis
- Retirement planning
- Education planning
- Estate planning strategies
- Multi-generational planning
- Insurance
- Strategic consulting and transactions
- Asset allocation
- Investment management
- Traditional investments
- Alternative investment
Setting a confident course
Thorough, thoughtful planning — planning that analyzes where you are as well as where you want to go — is the most important step in establishing a path to your goals. We will work with you to explore and define your objectives and needs, and then structure a plan that is uniquely your own.
Managing the rewards of success
Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes and goals as an investor with careful analysis of the financial markets and the risks and opportunities they hold for you. You can rely on us for objective strategic advice in structuring your portfolio and for careful analysis of any investments we consider together..
OUR CLIENTS
As your portfolio has grown, so too has its complexity and the resources needed to manage it. As Financial Advisors, we have the knowledge, experience and commitment necessary to manage your investments on an ongoing, fully discretionary basis, providing you with objective advice on critical financial matters. When you look at wealth management from a long-term perspective, one thing becomes clear: it's your future, not just your money. Over time, we can help you navigate the noise and distractions of challenging markets, providing a disciplined sense of focus on what's most important — your progress toward your goals.
- IRAs: Traditional and Roth
- IRA rollovers
- Roth conversions
- Charitable lead and remainder trusts
- Family foundations
- Donor advised funds
- Credit facilities
- Cash management
- Retirement plans
- Strategic consulting and transactions
- Succession planning
- Life and disability income insurance
- Key-person insurance
Building a Unique Legacy
Estate planning strategies typically brings together the dimensions of life: personal, family, financial and charitable. We will work with you to understand the connections between your life and legacy goals, and work with your accountant and attorney to help you develop a strategy to position your portfolio appropriately.
Educating New Generations
Helping to meet the education costs of children and grandchildren may be one of the most attractive and personally fulfilling investment opportunities available to you. We can help you access appropriate investment vehicles — 529 plans and custodial accounts.
Shaping Your Retirement
Together, we can work to make decisions that could help you move toward the retirement you expect. Whether you are building retirement wealth or making the transition to generating income from your assets, we can help you develop and implement a strategy based on your vision of retirement.
Giving Back through Philanthropy
Many successful individuals seek opportunities to support cultural and educational institutions, and nonprofit organizations and activities. Properly undertaken, charitable giving can provide planning flexibility and benefits for you. We can help you analyze and implement a strategy that rewards you while it benefits causes you care about.
Helping Strengthen Your Business
The links between business ownership and personal wealth are many and complex. Whether your objective is to grow your business, realize its value through a succession strategy or sale, or maintain family ownership by the next generation, we can examine your alternatives in light of both business
and personal objectives. And, should circumstance require it, we can use the access to banking and lending services of Morgan Stanley.
Helping Protect Your Wealth
Modern Wealth Tools
Morgan Stanley strives to offer clients the finest in financial thinking, products and execution to help them meet their individual needs and achieve their personal financial goals. When we work together, you’ll benefit from personalized advice, objective guidance and dedication to your success as an investor. With access to Morgan Stanley’s renowned global resources and investment opportunities, we can help you develop and maintain an optimal investment strategy. Our wealth management strategy will address key areas of your financial life beyond traditional investments and may incorporate diverse recommendations for building and preserving your wealth.
Digital Vault
Keeping important documents and financial records organized and readily available is one the best gifts you can give those you love. In the event of catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
Portfolio Risk Platform – Powered by Aladdin
Portfolio Risk Platform – Powered by Aladdin is a risk management platform that provides comprehensive risk estimation and reporting across a broad range of asset classes and security types. This platform provides a holistic view to better enable risk to be effectively monitored and managed.
Morgan Stanley Reserved Living and Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Location
112 Worcester Street
Wellesley, MA 02481
US
Direct:
(781) 431-6700(781) 431-6700
Toll-Free:
(800) 767-7462(800) 767-7462
Meet The Curtis Group
Senior Vice President, Financial Advisor, Family Wealth Director, Senior Portfolio Management Director, Alternative Investments Director
Phone:
(781) 431-6765(781) 431-6765
Phone:
(508) 870-7008(508) 870-7008
Phone:
(781) 431-6741(781) 431-6741
Susan Magri
Portfolio Associate, Senior Registered Client Services Associate
Phone:
(781) 431-6730(781) 431-6730
Robert Silver
Senior Client Service Associate
Phone:
(781) 431-6769(781) 431-6769
About Gerald Curtis
The founding member of the group, Gerry has been in wealth management at Morgan Stanley for over 37 years. Gerry has earned Morgan Stanley’s Family Wealth Director designation. This program, based on extensive experience working with ultra-high net worth families, provides specialized training and enables him to offer direct access to the advanced resources needed to help affluent families address the complex, multigenerational challenges of managing significant wealth. This includes knowledge and experience in wealth transfer, family dynamics, philanthropy, asset allocation, manager selection and other important areas of concern.
Gerry has worked in Wellesley for over 36 years and resides in the North End/Waterfront area of Boston and spends most of his summer in Nantucket.
2020-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2020-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2023-2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023-2024) Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
Gerry has worked in Wellesley for over 36 years and resides in the North End/Waterfront area of Boston and spends most of his summer in Nantucket.
2020-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2020-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2023-2024 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023-2024) Data compiled by SHOOK Research LLC based 12-month time period concluding in March of year prior to the issuance of the award.
Securities Agent: CO, NM, TX, MI, GA, AR, TN, HI, AZ, SC, OH, VT, NY, DC, PA, NJ, NH, VA, UT, MA, IN, IL, CT, NC, FL, OR, MN, KY, WA, MD, DE, CA, RI, ME; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1024519
NMLS#: 1024519
About Bryan White
In 1996, Bryan began his advisory career after joining Morgan Stanley and The Curtis Group. For over 28 years, Bryan has assisted families in developing wealth management strategies, focusing on proactive planning, disciplined portfolio management and exceptional client service. As a Family Wealth Director and Certified Financial Planner, Bryan focuses on maintaining relationships with a select group of high-net-worth multigenerational families across the country. He has extensive experience collaborating with his clients, their attorneys, accountants and other advisors. As a team they help customize wealth management strategies that focus on a wide variety of disciplines. In addition to being a Family Wealth Director and Certified Financial Planner Bryan is a Chartered Advisor in Philanthropy which further compliments his skillset in the high-net-worth space helping those charitably inclined give in more effective and impactful ways.
Bryan attended the University of Rhode Island and earned a Bachelor of Science degree with a concentration in family finance. Both in high school and at the University of Rhode Island Bryan could be found on the water as a competitive sailor. These days, Bryan enjoys traveling, skiing and golf as well as the occasional Red Sox game. He resides in Westborough Massachusetts with his wife Kelly and their two children Caroline and Nathan.
Bryan attended the University of Rhode Island and earned a Bachelor of Science degree with a concentration in family finance. Both in high school and at the University of Rhode Island Bryan could be found on the water as a competitive sailor. These days, Bryan enjoys traveling, skiing and golf as well as the occasional Red Sox game. He resides in Westborough Massachusetts with his wife Kelly and their two children Caroline and Nathan.
Securities Agent: TN, PA, IN, DC, CT, TX, RI, CO, VT, MA, KY, VA, FL, WA, NJ, MN, DE, AZ, OH, NH, ME, IL, MD, NC, GA, CA, MI, SC, OR, NY, HI, AR; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1274634
NMLS#: 1274634
About Kathleen Illinger
With over 24 years in the industry, Kathleen Illinger has spent the entirety of her financial career with Morgan Stanley after making the transition from years as a health care practitioner. She has developed a great deal of connections and key relationships in that time, and her experience in the medical field has offered a unique perspective within the financial industry. Kathleen brings several designations to the table as First Vice President, including Certified Investment Management Analyst and Family Wealth Advisor. She has served her clients tirelessly for the better part of three decades and has ushered countless generations of clients towards financial success in that time.
Although growing up in Connecticut and now residing in Southborough has given her a significant foothold within the New England area, Kathleen services clients from all over the country, and has created a perfect harmony between both her medical and financial backgrounds. Family is certainly atop her priority list, and that is exactly why she dedicates as much time as she does to all her clients, and each of their individual goals.
Although growing up in Connecticut and now residing in Southborough has given her a significant foothold within the New England area, Kathleen services clients from all over the country, and has created a perfect harmony between both her medical and financial backgrounds. Family is certainly atop her priority list, and that is exactly why she dedicates as much time as she does to all her clients, and each of their individual goals.
Securities Agent: IL, IN, PA, ME, CA, WA, SC, NJ, MN, MD, GA, AZ, TX, NC, TN, MI, HI, DC, CO, KY, RI, OR, OH, MA, DE, AR, NH, VA, NY, FL, CT, VT; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 176298
CA Insurance License #: 1763476
NMLS#: 176298
CA Insurance License #: 1763476
About Patrick Curtis
Patrick began his career with Morgan Stanley joining the team in 1999. Patrick focuses his talents on serving the investment and financial planning needs of high-net-worth clients. He works closely with clients to develop a comprehensive wealth management strategy, following a disciplined approach that address the needs of each client’s personal and professional goals making their complex lives more manageable. Patrick also serves as the team’s relationship manager for employee benefit plans. As a Qualified Plan Financial Consultant Patrick helps business owners set up and maintain their company’s plans. As well as helping them understand their roles and responsibilities as plan fiduciaries.
Patrick grew up in Scituate, MA and graduated from Nichols College with a business degree. Outside of the office he enjoys traveling, cooking and donating his time to local charities. Patrick now lives in Framingham, MA with his wife Olga and daughter Emily.
Patrick grew up in Scituate, MA and graduated from Nichols College with a business degree. Outside of the office he enjoys traveling, cooking and donating his time to local charities. Patrick now lives in Framingham, MA with his wife Olga and daughter Emily.
Securities Agent: TX, GA, SC, HI, AZ, NH, IL, PA, FL, DE, VT, MD, MA, IN, WA, VA, ME, CT, AR, CA, OR, MN, MI, NJ, MT, DC, CO, TN, RI, OH, NY, KY, ID, WI, NC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1282623
NMLS#: 1282623
About Susan Magri
Susan services some of the team's key client relationships and coordinates our customized service efforts. In addition, Susan helps implement investment strategies and helps coordinate our day to day operations. She has been with the firm since 1999 and joined our team in 2003 coming to us from the Boston office. Passionate about giving back, Susan helps to coordinate the philanthropic initiatives in the branch. She graduated from University of Massachusetts with a Bachelor of Science degree. Susan resides in Holliston with her husband and two children.
About Robert Silver
Robert joined Morgan Stanley and the Curtis Group in 2019 and brings over 30 years of industry experience. Having served in various roles from Branch Manager to Team Service Leader, he is a great fit for handling the various operational aspects of the team’s business. He has outstanding communication skills, and great attention to detail which allows him to provide exceptional service to our clients.
Outside of the office, Robert volunteers his time with WACA-TV in Ashland as an announcer for High School Sporting events. He also serves on the board Jake’s Team, a charity formed to honor his late son. Jake’s Team mission is to support siblings of children with cancer and to raise money for Osteosarcoma research. Robert graduated from Babson College with a degree in Finance/Investments and currently resides in Southborough and has one daughter.
Outside of the office, Robert volunteers his time with WACA-TV in Ashland as an announcer for High School Sporting events. He also serves on the board Jake’s Team, a charity formed to honor his late son. Jake’s Team mission is to support siblings of children with cancer and to raise money for Osteosarcoma research. Robert graduated from Babson College with a degree in Finance/Investments and currently resides in Southborough and has one daughter.
Contact Gerald Curtis
Contact Bryan White
Contact Kathleen Illinger
Contact Patrick Curtis
Wealth Management
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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
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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
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Curtis 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.
2The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
3Morgan 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.
4Morgan 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.
5Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
6Morgan 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.
7When 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.
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.
9When 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.
10Morgan 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.
11Alternative 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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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:
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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.
*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.
2The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
3Morgan 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.
4Morgan 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.
5Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
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.
6Morgan 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.
7When 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.
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.
9When 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.
10Morgan 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.
11Alternative 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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Awards Disclosures
CRC 6491812 (04/2024)
