Gregg Cuvin, CFP®, ChFC®, CRPC®
Executive Director, Wealth Management, Financial Advisor, Family Wealth Director, Senior Portfolio Management Director, Lending Specialist, Alternative Investments Director
The Cuvin Griffiths Wealth Management Group at Morgan Stanley
Direct:
(212) 296-1020(212) 296-1020
Toll-Free:
(844) 861-4286(844) 861-4286
Our Mission Statement
We endeavor to make a positive difference in the lives of our clients by delivering custom planning advice and investment solutions designed to help meet our client's unique needs.
Welcome
We are a team of Financial Advisors with a notable depth of experience and breadth of credentials. But we don’t rest on our laurels. We know that successful investing in complex business environments requires continual learning and we have an imperative to grow our knowledge and that of our clients.
Our professional counsel encompasses both sides of the balance sheet, and we pride ourselves on our ability to provide our clients with the latest and most relevant financial topics, whether it’s tax efficient investing, retirement planning, portfolio asset allocation or philanthropy.
As technological advances expand the range of financial services available to investors, we understand that knowledge is not only power, it’s also the foundation for intelligent, well-considered decisions. Let us share our knowledge with you.
Our professional counsel encompasses both sides of the balance sheet, and we pride ourselves on our ability to provide our clients with the latest and most relevant financial topics, whether it’s tax efficient investing, retirement planning, portfolio asset allocation or philanthropy.
As technological advances expand the range of financial services available to investors, we understand that knowledge is not only power, it’s also the foundation for intelligent, well-considered decisions. Let us share our knowledge with you.
Services Include
- Wealth PlanningFootnote1
- Professional Portfolio ManagementFootnote2
- Alternative InvestmentsFootnote3
- Divorce Financial AnalysisFootnote4
- Philanthropic ManagementFootnote5
- Trust ServicesFootnote6
- Planning for Individuals with Special Needs and their Families
- Business Succession PlanningFootnote7
- Cash Management and Lending ProductsFootnote8
- Retirement PlanningFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Approach
Wealth Management
Wealth Management brings all the dimensions of your life together. We listen carefully to understand the connections across your personal life, your family, your career and your legacy goals to develop a comprehensive strategy that is uniquely yours.
Wealth Management at Morgan Stanley
Estate Planning
Delivering an estate to the next generation requires more attention than families often realize. We coordinate with your estate and tax professionals to align your legacy goals with the appropriate asset titling and beneficiary designation requirements, incorporating best practices to enhance results.
Professional Portfolio Management
Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes about investing with careful analysis of the financial markets. Working together, we create a customized strategy that applies long-held investment principles to help your assets appreciate appropriately, generate cash-flow or create income as you require.
Investment Management at Morgan Stanley
Retirement Planning
One of our key areas of focus is helping you prepare for and thrive in retirement. From IRAs to RMSs, we manage the complexities of your comprehensive retirement plan assets, helping you easily transition to the next phase of your life with security and confidence.
Retirement Savings at Morgan Stanley
529 Education Savings Plans
529 plans offer a flexible, tax-advantaged way to invest for education expenses while helping to improve estate planning. Gain fiduciary oversight of your education funding strategy within the context of your broader portfolio through the exclusive Morgan Stanley National Advisory 529 Plan.
529 Plan Options at Morgan Stanley
Alternative Investments
Our leading alternatives platform offers 160+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
Morgan Stanley Alternative Investments
Donor Advised Funds (DAF)
A solution that may help you execute planned giving, offer an efficient way to donate complex and illiquid assets, and simplify charitable giving reporting while potentially mitigating taxes. Bring philanthropy into your wealth plan and help amplify the impact of your giving through the Morgan Stanley Global Impact Funding Trust (MS GIFT).
MS GIFT
Lending & Liquidity Solutions
Creating adequate cash flow and securing liquidity are day-to-day aspects of implementing a financial strategy. We help you meet your personal cash management and borrowing needs, while thinking strategically about how specific approaches may affect current and long-term costs and taxes.
Liquidity Solutions at Morgan StanleyDigital Tools Available To You
Morgan Stanley strives to ensure it serves clients on its technology platforms that are resilient, safe, smart, efficient, fast, and flexible. As part of our services, these resources are available for all of our clients.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
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Morgan Stanley Mobile App
Securely access your Morgan Stanley account from virtually anywhere. Simply download it on your mobile device and use your Morgan Stanley Online username and password to log in. From there you will have resources of MSO on the go.
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Total Wealth View
It’s hard to see the complete picture with only half the details. As a Morgan Stanley client, you can now conveniently view your accounts from other financial institutions on Morgan Stanley Online or by using the Morgan Stanley Mobile App, giving you a more complete financial picture.
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Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk Platform
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Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts. Our Spending and Budgeting Tool makes it easy for you and your Financial Advisor to see your complete financial picture.
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Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
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Digital Vault
Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
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2025 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.
2024 Forbes Best-In-State Wealth Advisors
Gregg Cuvin was named to Forbes' ranking of the Best-In-State Wealth Advisors list for 2024.
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/22 - 6/30/23.
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/22 - 6/30/23.
2024 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.
2023 Forbes Best-In-State Wealth Advisors
Gregg Cuvin was named to Forbes' ranking of the Best-In-State Wealth Advisors list for 2023.
Source: Forbes.com (Awarded Apr 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
Source: Forbes.com (Awarded Apr 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
2023 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023). Data compiled by SHOOK Research LLC based on the time period from 3/31/21-3/21/22.
2022 Forbes Best-In-State Wealth Advisors
Gregg Cuvin was named to Forbes' ranking of the Best-In-State Wealth Advisors list for 2022.
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
2021 Forbes Best-In-State Wealth Advisors
Gregg Cuvin was named to Forbes' ranking of the Best-In-State Wealth Advisors list for 2021.
Source: Forbes.com (Awarded Feb 2021) Data compiled by SHOOK Research LLC based on time period from 6/30/19 - 6/30/20.
Source: Forbes.com (Awarded Feb 2021) Data compiled by SHOOK Research LLC based on time period from 6/30/19 - 6/30/20.
Morgan Stanley Research
Through timely, in-depth analysis of companies, industries, markets and world economies, Morgan Stanley has earned its reputation as a leader in the field of investment research.
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Global Investment Office
The Morgan Stanley Global Investment Office provides you with world-class thought leadership timely market commentary, and portfolio ideas to help guide your investment decisions.
Morgan Stanley Portfolio Insights
2024 Federal Tax Table
In 2024, the IRS has implemented adjustments to the Federal Tax Table to account for inflation.
2024 Federal Tax Table
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
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Reserved Living & Giving Offers
Exclusive offers to keep Reserved Clients and their families safe and engaged. Offers span categories such as Dining, Health & Wellness, Travel, entertainment, and more.
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Reserved Living & Giving Insights
Curated insights and articles spanning topics such as Family, Lifestyle, Health, Planning, Travel, and Giving Back.
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Socially Responsible Investing
Our Investing with Impact platform has designed a proprietary process to identify your impact priorities and match them with one of our 360+ investment strategies or customizable portfolio solutions across asset classes, to tailor your portfolio and monitor both financial and impact results over time.
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55 East 52nd Street 10th
Fl
New York, NY 10055
US
Direct:
(212) 296-1020(212) 296-1020
Toll-Free:
(844) 861-4286(844) 861-4286
Fax:
(646) 291-3460(646) 291-3460
Meet The Cuvin Griffiths Wealth Management Group
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director, Lending Specialist
Marla Oster
Registered Associate, Assistant Vice President, Financial Planning Specialist
Phone:
(212) 296-7468(212) 296-7468
Logan Craig
Senior Registered Associate, Portfolio Associate, Financial Planning Specialist
Phone:
(212) 296-0177(212) 296-0177
About Gregg Cuvin
Gregg is the Executive Director and Senior Portfolio Management Director of The Cuvin Griffiths Wealth Management Group at Morgan Stanley. He is responsible for leading the Group’s financial planning process and managing client portfolios on a discretionary basis. He has advised clients for over 25 years, leveraging his many professional designations. His extensive experience working with ultra-high net worth families, paired with his credentials, demonstrate a deep level of investment knowledge, a disciplined approach and an ability to create and monitor customized portfolios.
As a CERTIFIED FINANCIAL PLANNER™ (CFP®), Chartered Financial Consultant® (ChFC®), Chartered Retirement Planning Counselor (CRPC®), Gregg possesses in-depth knowledge of the financial planning process, tax-efficient planning, employee benefits, retirement planning, estate planning strategies, investment management and insurance. In Gregg’s role as a Senior Portfolio Management Director, he develops and manages clients’ overall investment strategies while customizing portfolios in conjunction with their financial plan.
Gregg is also a Morgan Stanley Family Wealth Director. This prestigious title has been awarded to about 5% of qualified advisors from approximately 16,000 advisors, as of December 2023. He has successfully completed a rigorous accreditation program required for comprehensive wealth planning applicable to affluent individuals. As a Family Wealth Director, the Group’s clients are entitled to a full breadth of family office resources needed to help address the complex, multigenerational challenges of managing significant wealth.
Gregg graduated from the University of Delaware with a B.S. degree in Finance. Prior to joining Morgan Stanley in 2006, he worked for American Express Financial Advisors and JPMorgan. In 2008, Gregg partnered with Arioch Griffiths to form their group. Most recently, Gregg was recognized in Forbes’s ranking of Best-In-State Wealth Advisors for 2021, 2022, 2023, and 2024.
Gregg’s involvement in the investment community extends beyond the firm. From 2011 through 2015, he served as one of nine members on the Disciplinary and Ethics Commission of the national CFP® Board. In 2015 he was elected and served as the Commission’s Chair. Presently, he is the Treasurer of Spectrum360 - a nonprofit school in NJ that serves children with autism. Gregg is a frequently requested speaker on a variety of topics related to financial planning. He resides in North Caldwell, NJ, with his wife and two children.
Disclaimer:
Source: Forbes.com (Awarded 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
As a CERTIFIED FINANCIAL PLANNER™ (CFP®), Chartered Financial Consultant® (ChFC®), Chartered Retirement Planning Counselor (CRPC®), Gregg possesses in-depth knowledge of the financial planning process, tax-efficient planning, employee benefits, retirement planning, estate planning strategies, investment management and insurance. In Gregg’s role as a Senior Portfolio Management Director, he develops and manages clients’ overall investment strategies while customizing portfolios in conjunction with their financial plan.
Gregg is also a Morgan Stanley Family Wealth Director. This prestigious title has been awarded to about 5% of qualified advisors from approximately 16,000 advisors, as of December 2023. He has successfully completed a rigorous accreditation program required for comprehensive wealth planning applicable to affluent individuals. As a Family Wealth Director, the Group’s clients are entitled to a full breadth of family office resources needed to help address the complex, multigenerational challenges of managing significant wealth.
Gregg graduated from the University of Delaware with a B.S. degree in Finance. Prior to joining Morgan Stanley in 2006, he worked for American Express Financial Advisors and JPMorgan. In 2008, Gregg partnered with Arioch Griffiths to form their group. Most recently, Gregg was recognized in Forbes’s ranking of Best-In-State Wealth Advisors for 2021, 2022, 2023, and 2024.
Gregg’s involvement in the investment community extends beyond the firm. From 2011 through 2015, he served as one of nine members on the Disciplinary and Ethics Commission of the national CFP® Board. In 2015 he was elected and served as the Commission’s Chair. Presently, he is the Treasurer of Spectrum360 - a nonprofit school in NJ that serves children with autism. Gregg is a frequently requested speaker on a variety of topics related to financial planning. He resides in North Caldwell, NJ, with his wife and two children.
Disclaimer:
Source: Forbes.com (Awarded 2021, 2022, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: MD, GA, NV, IL, VT, CO, WY, OK, VA, WI, IN, AZ, MA, DC, OH, NH, OR, CA, NC, LA, TX, PA, NJ, MT, NM, RI, NY, WA, SC, DE, MI, CT, FL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1261965
NMLS#: 1261965
About R Arioch Griffiths
Arioch’s extensive background in institutional fixed income trading and portfolio construction adds considerable depth in fixed income to The Cuvin GriffithsWealth Management Group at Morgan Stanley. He is a Senior Portfolio Management Director and Senior Vice President of The Group, a highly prestigious role that reflects his ability to develop personalized investment strategies at the highest possible level for discretionary and non-discretionary accounts.
Arioch designs portfolios that complement the parameters of each client’s detailed financial/wealth plan. Through The Cuvin Griffiths Wealth Management Group’s thorough discovery and planning process, Arioch helps create solutions to asset allocation, investment management and retirement planning that accurately reflects clients’ needs and objectives based upon their level of risk tolerance. He is extremely dedicated to the team’s financial/wealth planning methodology. This commitment is furthered by ongoing communication with his high net worth clients and their assembly of attorneys, accountants and additional outside advisors.
Arioch leads The Group’s focus in the Alternative Investment asset class. As a part of customized diversified client portfolios, Arioch researches and makes recommendations to coincide with client needs and objectives. Arioch speaks with industry resources and attends management calls to determine if a particular alternative investment has a place in a particular client portfolio.
Arioch graduated from Villanova University with a B.S. in Accounting. He worked as an auditor for Ernst and Young before moving to Eaton Vance and learning to trade in municipal bonds, as well as manage bond portfolios. In 1994, Arioch joined Morgan Stanley and worked as a Municipal Bond Specialist and Institutional Market participant for twelve years. During this period he ran the PWM municipal bond business, including trading, marketing, portfolio construction and strategy. Arioch became a Financial Advisor in 2008 and partnered with Gregg Cuvin to form their group.
Outside of work, Arioch serves on the Committees at the Centerport (LI) Yacht Club. He lives on Long Island with his two sons, fiancé and three stepdaughters. He is an avid swimmer and competes in open water swimming competitions each year.
Arioch designs portfolios that complement the parameters of each client’s detailed financial/wealth plan. Through The Cuvin Griffiths Wealth Management Group’s thorough discovery and planning process, Arioch helps create solutions to asset allocation, investment management and retirement planning that accurately reflects clients’ needs and objectives based upon their level of risk tolerance. He is extremely dedicated to the team’s financial/wealth planning methodology. This commitment is furthered by ongoing communication with his high net worth clients and their assembly of attorneys, accountants and additional outside advisors.
Arioch leads The Group’s focus in the Alternative Investment asset class. As a part of customized diversified client portfolios, Arioch researches and makes recommendations to coincide with client needs and objectives. Arioch speaks with industry resources and attends management calls to determine if a particular alternative investment has a place in a particular client portfolio.
Arioch graduated from Villanova University with a B.S. in Accounting. He worked as an auditor for Ernst and Young before moving to Eaton Vance and learning to trade in municipal bonds, as well as manage bond portfolios. In 1994, Arioch joined Morgan Stanley and worked as a Municipal Bond Specialist and Institutional Market participant for twelve years. During this period he ran the PWM municipal bond business, including trading, marketing, portfolio construction and strategy. Arioch became a Financial Advisor in 2008 and partnered with Gregg Cuvin to form their group.
Outside of work, Arioch serves on the Committees at the Centerport (LI) Yacht Club. He lives on Long Island with his two sons, fiancé and three stepdaughters. He is an avid swimmer and competes in open water swimming competitions each year.
Securities Agent: WY, WI, VT, VA, TX, RI, PA, OR, OK, OH, NY, NV, WA, NJ, NH, NC, MT, MI, ME, MD, MA, LA, IN, IL, GA, FL, DE, DC, CT, CO, NM, CA, AZ, SC; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1268207
NMLS#: 1268207
About Marla Oster
Marla Oster is a Wealth Management Associate who joined Morgan Stanley in 2000, and has held the position of Senior Registered Associate, Certified Financial Planning Associate and Relationship Manager. Her primary focus is on leadership and coordination for the development and implementation of client facing processes, such as client onboarding, trade executions, and any type of reconciliation matters.
She interfaces with a diverse set of the team’s clientele, seamlessly and efficiently managing all operational and administrative aspects of the many client requests that come her way. Her eye for detail, organizational skills, and proactive and formidable work ethic are integral to the team dynamic.
Marla has a B.A from State University of New York at Albany and a Masters degree from Hunter College School of Social Work. Marla holds the Series 7/63 licenses and is a Certified Financial Planning associate. Marla is a native New Yorker with strong community ties, when Marla isn’t working for our clients, she enjoys spending time with her husband and dog in Central Park.
Areas of Focus:
• Relationship Management
• Operational Support
• Market Updates
• Client Communication
• Trading
She interfaces with a diverse set of the team’s clientele, seamlessly and efficiently managing all operational and administrative aspects of the many client requests that come her way. Her eye for detail, organizational skills, and proactive and formidable work ethic are integral to the team dynamic.
Marla has a B.A from State University of New York at Albany and a Masters degree from Hunter College School of Social Work. Marla holds the Series 7/63 licenses and is a Certified Financial Planning associate. Marla is a native New Yorker with strong community ties, when Marla isn’t working for our clients, she enjoys spending time with her husband and dog in Central Park.
Areas of Focus:
• Relationship Management
• Operational Support
• Market Updates
• Client Communication
• Trading
About Logan Craig
Logan Craig is the Financial Planning Specialist for our team here at Morgan Stanley. As a Financial Planning Specialist, Logan possesses the knowledge necessary to address the wide range of financial issues confronting high net worth individuals, as well as individuals who are seeking to increase their wealth. In order to obtain the Financial Planning Specialist designation, Logan successfully completed the rigorous financial planning coursework and passed the Financial Planning Specialist examination. Additionally, Logan has met both experience and ethical requirements needed obtain this prestigious designation.
Logan assists both Gregg Cuvin and Arioch Griffiths with Portfolio Management in regards to portfolio construction and ongoing management. This consists of maintaining and executing distinct and varied customized strategies for clients. Additionally, he also critically examines current and future holdings to evaluate if portfolio action is warranted. His other analytical work includes preparing customized client performance reports and investment proposals.
Logan is also responsible for developing marketing and seminar material, including but not limited to, assisting with website development, social media feeds, and ongoing webinars.
Logan graduated from Franklin and Marshall College with a B.A. degree in Public Policy and a Minor in Economics, and went directly into financial services. Prior to joining Morgan Stanley in 2016, he worked at Merrill Lynch focusing on wealth management and financial planning.
Logan is an avid golfer who competes in amateur events throughout the Tri-State area. He, his wife Sarah, and their daughter Annie live in Princeton, NJ.
Logan assists both Gregg Cuvin and Arioch Griffiths with Portfolio Management in regards to portfolio construction and ongoing management. This consists of maintaining and executing distinct and varied customized strategies for clients. Additionally, he also critically examines current and future holdings to evaluate if portfolio action is warranted. His other analytical work includes preparing customized client performance reports and investment proposals.
Logan is also responsible for developing marketing and seminar material, including but not limited to, assisting with website development, social media feeds, and ongoing webinars.
Logan graduated from Franklin and Marshall College with a B.A. degree in Public Policy and a Minor in Economics, and went directly into financial services. Prior to joining Morgan Stanley in 2016, he worked at Merrill Lynch focusing on wealth management and financial planning.
Logan is an avid golfer who competes in amateur events throughout the Tri-State area. He, his wife Sarah, and their daughter Annie live in Princeton, NJ.
Contact Gregg Cuvin
Contact R Arioch Griffiths
Wealth Management
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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
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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
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
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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
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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 Cuvin Griffiths Wealth Management 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 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.
2Morgan 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.
3Alternative 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.
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.
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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 does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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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
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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.
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1Morgan 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.
2Morgan 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.
3Alternative 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.
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 does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
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 and other legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
8Morgan 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
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.
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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)
