Diane M Alecci
Senior Vice President, Financial Advisor
Phone:
(201) 712-4035(201) 712-4035
The D and L Group at Morgan Stanley
Direct:
(201) 712-4035(201) 712-4035
Toll-Free:
(855) 498-9955(855) 498-9955
Our Mission Statement
We don't start with your money and build a plan for your life. We start with your life and build a plan for your money.
Our Story & Services
It’s hard to get to where you want to go without the help of a roadmap or GPS. Particularly if there’s stormy weather along the way. We craft financial roadmaps for a wide range of affluent individuals, families, corporate executives and business owners. We’ve worked with CEOs, retirees and young adults just starting out. We’ve worked with newlywed couples, divorcing couples, and men and women who have recently lost a spouse. We’ve helped families through medical crises, career challenges and the Great Recession. And through it all, we’ve helped our clients build and sustain financial plans that have the ability to alter course and fit the changing circumstances of their lives.
We are the D&L Group at Morgan Stanley, a skilled and experienced team of Financial Advisors who are dedicated to aligning your finances with the goals you want to achieve in life. Our name, the D&L Group, is inspired by the initials of our founders, Diane Alecci and Lynn Blanchard; two women who have been trailblazers in the financial services industry.
With more than $940MM of client assets under management, we are honored to receive regular referrals from our clients, many of whom have been with us for several generations. We believe that our long-term client relationships are due not only to the financial results we provide but also to our 24/7 commitment to serving each client’s well-being. We sustain a manageable number of client households in order to address all of your financial needs. Our mission is to empower you financially through our constant and caring attention as we help your family to thrive from one generation to the next.
We are the D&L Group at Morgan Stanley, a skilled and experienced team of Financial Advisors who are dedicated to aligning your finances with the goals you want to achieve in life. Our name, the D&L Group, is inspired by the initials of our founders, Diane Alecci and Lynn Blanchard; two women who have been trailblazers in the financial services industry.
With more than $940MM of client assets under management, we are honored to receive regular referrals from our clients, many of whom have been with us for several generations. We believe that our long-term client relationships are due not only to the financial results we provide but also to our 24/7 commitment to serving each client’s well-being. We sustain a manageable number of client households in order to address all of your financial needs. Our mission is to empower you financially through our constant and caring attention as we help your family to thrive from one generation to the next.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our team works with even the most complex financial portfolios. We're also well versed in both family and business dynamics - important elements in many financial issues.
In addition, we have a deep understanding of market trends and the global economic lanscape. We give you objective, understandable advice, so you can invest with confidence.
Team Awards: Named to the 2025 Forbes Best-In-State Wealth Management Teams Ranking
Diane Alecci
- - 2018, 2019, 2020, 2021, 2022, 2023 & 2024 Forbes Best-In-State Wealth Advisors - 2017, 2018, 2019, 2020, 2021 & 2022 Forbes Top Women Wealth Advisors in America
- 2017, 2018, 2019, 2020, 2021, 2022 & 2023 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors) Source: Forbes.com (Awarded 2017, 2018, 2019, 2020, 2021, 2022, 2023 & 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Lynn Blanchard
- - 2018, 2019, 2020, 2021, 2022, 2023 & 2024 Forbes Best-In-State Wealth Advisors - 2017, 2018, 2019, 2020, 2021 & 2022 Forbes Top Women Wealth Advisors in America
- 2017, 2018, 2019, 2020, 2021, 2022 & 2023 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors) Source: Forbes.com (Awarded 2017, 2018, 2019, 2020, 2021, 2022, 2023 & 2024). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
We believe that our industry has done a good job of focusing on prudent wealth management, but has been less diligent about helping investors become more comfortable talking openly about wealth. In fact, in the US, the subject seems to be culturally taboo. For many investors, discussions about money and the distribution of assets are something to be dealt with at the latest point possible, and the prevailing attitude tends to be, “It’s never too late to do that.”1 The truth is, it often is.
As a multigenerational team with a history of breaking down barriers, we enjoy facilitating conversations between generations. We know from experience that different generations have different approaches to investing and to money in general. Millennials, for example, consider the social and environmental impact of the companies they invest in to be an important part of investment decision-making. They expect real-time information delivery and use technology to stay connected. Their baby boomer parents, on the other hand, are more focused on income preservation as they move into retirement, and prefer to meet with in person.
It’s not unusual for a family to spend a great deal of time preparing the money for the family, but very little time preparing the family for the money. Our long history of working with wealthy clients allows us to easily engage with and advise your family about your plans for transitioning generational wealth. When we do this well, we can empower your family to establish a plan, integrate education on the topics of wealth transition and prepare your heirs to receive and manage assets.
As a multigenerational team with a history of breaking down barriers, we enjoy facilitating conversations between generations. We know from experience that different generations have different approaches to investing and to money in general. Millennials, for example, consider the social and environmental impact of the companies they invest in to be an important part of investment decision-making. They expect real-time information delivery and use technology to stay connected. Their baby boomer parents, on the other hand, are more focused on income preservation as they move into retirement, and prefer to meet with in person.
It’s not unusual for a family to spend a great deal of time preparing the money for the family, but very little time preparing the family for the money. Our long history of working with wealthy clients allows us to easily engage with and advise your family about your plans for transitioning generational wealth. When we do this well, we can empower your family to establish a plan, integrate education on the topics of wealth transition and prepare your heirs to receive and manage assets.
Financial Planning and Insured Solutions
We focus on our clients’ well-being. That’s why our work with you centers on helping create the freedom and abundance necessary for the well-being of you and those you love. We pride ourselves on knowing you, your dreams and goals, as well as your financial concerns and the issues that keep you up at night. For us, the important questions are: What do you need your money to do for you? What has meaning for you? How can we help you to enrich your life?
With more than four decades of combined financial planning experience, as well as a CERTIFIED FINANCIAL PLANNER™ (CFP®) and a Financial Planning Specialist on the team, we can provide you with an unusually strong and deep set of planning strategies and knowledge.
Some of the areas where we apply our advanced knowledge on your behalf:
Investment management
Managing your tax and liquidity needs
Trust, estate and legacy planning strategies
Retirement planning
Education planning and family concerns
Philanthropic services
Insurance and long-term care
We start with your life and build a plan for your money. Financial planning is often viewed as a tool for creating wealth. We see it differently. It is meant to create a blueprint for how we live our lives.
With more than four decades of combined financial planning experience, as well as a CERTIFIED FINANCIAL PLANNER™ (CFP®) and a Financial Planning Specialist on the team, we can provide you with an unusually strong and deep set of planning strategies and knowledge.
Some of the areas where we apply our advanced knowledge on your behalf:
Investment management
Managing your tax and liquidity needs
Trust, estate and legacy planning strategies
Retirement planning
Education planning and family concerns
Philanthropic services
Insurance and long-term care
We start with your life and build a plan for your money. Financial planning is often viewed as a tool for creating wealth. We see it differently. It is meant to create a blueprint for how we live our lives.
Have You Planned for the Unexpected?
We know the importance of helping you save for your goals as part of your overall wealth plan. Part of that planning process includes a deeper discussion about how you can protect your assets and family in case the unexpected occurs. Learn more about how we can begin the conversation.
View WebsiteOur Women Clients
As a team founded by two women trailblazers, we particularly enjoy helping our women clients. In terms of investments, women don’t just focus on portfolio performance, but rather on progress toward reaching their own or their family’s goals.1
The statistics are amazing. More than half of women come into their marriage or relationship with financial assets equal to or greater than their spouse or partner2, and one-third of women are now the primary income earner or contribute equally to household wealth3. In addition, the number of wealthy women investors in the U.S. is growing at a faster rate than that of men. In a two-year period, the number of wealthy women in the U.S. grew 68%, while the number of men grew only 36%4.
Our group truly enjoys working with our many women clients. Whether you are a woman of unexpected wealth, a woman with new responsibilities, or an executive woman who has earned your wealth and intends to manage it closely, we enjoy helping you make choices that are both wise and meaningful.
3 Corporate Executive Board, VIP Forum, “Understanding the High-Net-Worth Women Segment,” 11/2010
4 http://she-conomy.com/report/marketing-to-women-quick-facts
The statistics are amazing. More than half of women come into their marriage or relationship with financial assets equal to or greater than their spouse or partner2, and one-third of women are now the primary income earner or contribute equally to household wealth3. In addition, the number of wealthy women investors in the U.S. is growing at a faster rate than that of men. In a two-year period, the number of wealthy women in the U.S. grew 68%, while the number of men grew only 36%4.
Our group truly enjoys working with our many women clients. Whether you are a woman of unexpected wealth, a woman with new responsibilities, or an executive woman who has earned your wealth and intends to manage it closely, we enjoy helping you make choices that are both wise and meaningful.
3 Corporate Executive Board, VIP Forum, “Understanding the High-Net-Worth Women Segment,” 11/2010
4 http://she-conomy.com/report/marketing-to-women-quick-facts
Location
61 Paramus Rd
Paramus, NJ 07652
US
Direct:
(201) 712-4035(201) 712-4035
Toll-Free:
(855) 498-9955(855) 498-9955
Fax:
(201) 226-5960(201) 226-5960
Meet The D and L Group
Lynn Blanchard
Senior Vice President, Financial Advisor
Phone:
(201) 712-4085(201) 712-4085
Phone:
(201) 226-5908(201) 226-5908
Phone:
(201) 712-4081(201) 712-4081
Donna Cassel
Senior Client Service Associate
Phone:
(201) 712-4062(201) 712-4062
Carol Butler
Senior Client Service Associate
Phone:
(201) 712-4077(201) 712-4077
Thom McCabe
Client Service Associate
Phone:
(201) 712-4080(201) 712-4080
About Diane M Alecci
For more than 40 years, I have blazed trails throughout the financial services industry, opening doors that were formerly closed to women. I practiced goals-based financial planning before it was a trend and I instinctively build client relationships that are based on trust. I am an excellent communicator and pride myself on finding ways to help clients understand complex financial issues. My clients often tell me: I am always calm after talking with you.
After attending college, I started my career as the operations manager for Dean Witter. For seven years, I learned the inner workings of the back office of a financial advisory firm – knowledge that has served my clients well over the years.
As one of the most successful Financial Advisors at Merrill Lynch in 2002, I teamed up with Lynn Blanchard to form the D&L Group. As a senior woman Financial Advisor, I became a mentor to other women Advisors, inviting them to join me in sponsoring high profile events and panels. For 20 years, I passionately taught a class for adult women titled “What Every Woman Should Know About Money.” Lynn and I moved to Morgan Stanley in 2013 and brought in Glenn Fischer to round out our multigenerational team.
Throughout my career, I have been the recipient of numerous awards and honors. I have been an inductee of R.J. Shook’s Winner’s Circle for Women Financial Advisors. I was named to Barron’s Top 100 Women Financial Advisors in 2006, and to Barron’s Top 1000 Financial Advisors in 2009. I was named to the Forbes Top 200 Women Wealth Advisors in America (2017-2022) and as a Forbes Best-In-State Financial Advisor (2018-2022). My market outlook has been featured on CNN, I have been quoted in several newspapers, and I have been featured in Family Money Magazine. Outside of work, I am very involved with the Connie Dwyer Breast Center.
2006 Barron's Top 100 Women Financial Advisors
Source: Barrons.com 2006. Data compiled by Barron's based on 12-month period concluding in March of the year the award was issued.
Barron's Top 1,000 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Feb 2009) Data compiled by Barron's based on time period from Sept 2007 - Sept 2008.
2017-2022 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (2017-2022). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2018-2022 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (2018-2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
After attending college, I started my career as the operations manager for Dean Witter. For seven years, I learned the inner workings of the back office of a financial advisory firm – knowledge that has served my clients well over the years.
As one of the most successful Financial Advisors at Merrill Lynch in 2002, I teamed up with Lynn Blanchard to form the D&L Group. As a senior woman Financial Advisor, I became a mentor to other women Advisors, inviting them to join me in sponsoring high profile events and panels. For 20 years, I passionately taught a class for adult women titled “What Every Woman Should Know About Money.” Lynn and I moved to Morgan Stanley in 2013 and brought in Glenn Fischer to round out our multigenerational team.
Throughout my career, I have been the recipient of numerous awards and honors. I have been an inductee of R.J. Shook’s Winner’s Circle for Women Financial Advisors. I was named to Barron’s Top 100 Women Financial Advisors in 2006, and to Barron’s Top 1000 Financial Advisors in 2009. I was named to the Forbes Top 200 Women Wealth Advisors in America (2017-2022) and as a Forbes Best-In-State Financial Advisor (2018-2022). My market outlook has been featured on CNN, I have been quoted in several newspapers, and I have been featured in Family Money Magazine. Outside of work, I am very involved with the Connie Dwyer Breast Center.
2006 Barron's Top 100 Women Financial Advisors
Source: Barrons.com 2006. Data compiled by Barron's based on 12-month period concluding in March of the year the award was issued.
Barron's Top 1,000 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Feb 2009) Data compiled by Barron's based on time period from Sept 2007 - Sept 2008.
2017-2022 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (2017-2022). Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
2018-2022 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (2018-2022). 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: SC, GA, NE, KY, HI, CO, CA, MN, FL, VT, SD, OK, NV, MA, AZ, PA, NH, TN, NC, IN, CT, AL, VA, IL, DC, WA, MD, WI, UT, TX, OR, MI, LA, NY, NJ, ME; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 579037
NMLS#: 579037
About Lynn Blanchard
Since 1985, I have created custom financial plans and managed the finances of wealthy investors. My unique understanding of the complexity facing high net worth individuals and families has consistently set me apart as a trusted advisor, as well as earning me significant industry achievement awards.
After earning both a BA degree and a master’s degree from the University of Michigan, I joined Merrill Lynch, where Diane Alecci became my mentor. We co-hosted many investment events together, introducing clients to a myriad of topics. I quickly designed my practice around building custom financial plans for clients and it has remained a key element in my practice for three decades.
In 2002, Diane and I formed the D&L Group and I began teaching the class that Diane started: “What Every Woman Should Know About Money.” Providing financial education and mentoring, particularly to women, is one of my passions. I take an active role in mentoring younger members of the industry in an effort to pass down some of my knowledge and experience.
Diane and I moved the D&L Group to Morgan Stanley in 2013. As the “numbers person” on our team, I tend to take the lead on discussions around financial planning, debt management and estate planning strategies. I was named to Barron’s Top 1000 Financial Advisors in 2009. I am proud to have been named to Morgan Stanley’s Masters Club, to have been recognized as one of Forbes Top Women 200 Wealth Advisors in America (2017-2022) and to have been named as a Forbes Best-In-State Financial Advisor (2018-2022).
2018-2022 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (2018-2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2017-2022 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2017-2022. Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Barron's Top 1,000 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Feb 2009) Data compiled by Barron's based on time period from Sept 2007 - Sept 2008.
After earning both a BA degree and a master’s degree from the University of Michigan, I joined Merrill Lynch, where Diane Alecci became my mentor. We co-hosted many investment events together, introducing clients to a myriad of topics. I quickly designed my practice around building custom financial plans for clients and it has remained a key element in my practice for three decades.
In 2002, Diane and I formed the D&L Group and I began teaching the class that Diane started: “What Every Woman Should Know About Money.” Providing financial education and mentoring, particularly to women, is one of my passions. I take an active role in mentoring younger members of the industry in an effort to pass down some of my knowledge and experience.
Diane and I moved the D&L Group to Morgan Stanley in 2013. As the “numbers person” on our team, I tend to take the lead on discussions around financial planning, debt management and estate planning strategies. I was named to Barron’s Top 1000 Financial Advisors in 2009. I am proud to have been named to Morgan Stanley’s Masters Club, to have been recognized as one of Forbes Top Women 200 Wealth Advisors in America (2017-2022) and to have been named as a Forbes Best-In-State Financial Advisor (2018-2022).
2018-2022 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (2018-2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2017-2022 Forbes America's Top Women Wealth Advisors & Forbes Top Women Wealth Advisors Best-In- State (formerly referred to as Forbes Top Women Wealth Advisors, Forbes America's Top Women Wealth Advisors)
Source: Forbes.com (Awarded 2017-2022. Data compiled by SHOOK Research LLC based on 12-month time period concluding in Sept of year prior to the issuance of the award.
Barron's Top 1,000 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Feb 2009) Data compiled by Barron's based on time period from Sept 2007 - Sept 2008.
Securities Agent: GA, UT, CO, SC, NH, TX, IN, FL, DC, WI, PA, OK, NV, MN, LA, VA, OR, IL, CA, WA, TN, SD, VT, NC, KY, NY, NJ, ME, MD, MA, HI, NE, MI, CT, AL, AZ; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 579778
NMLS#: 579778
About Glenn Fischer
As a Financial Advisor and CERTIFIED FINANCIAL PLANNER™ (CFP®), I serve the financial needs of families and individuals, often working closely with their CPAs and attorneys. With each interaction, I proactively engage my clients in conversations about all aspects of their life that may impact their finances. My advanced study of estate planning, taxes, insurance, retirement income and investments leads to broad perspectives on strategies which I work diligently to effectively implement for each client.
After earning a BA degree in mechanical engineering from Bucknell University, I entered the Navy’s Officer Candidate School and spent the next ten years flying airplanes all over the world. I left active duty with the rank of Lieutenant Commander and enrolled in Georgetown University’s MBA program. After graduating in 2003, I became part of Booz Allen’s Financial Consulting Group, where I worked as a consultant to the newly established Department of Homeland Security shortly after the agency was formed, helping them plan and execute a $1 billion research and development budget.
In 2006, I became a Vice President at a commercial lending company specializing in providing complex financing solutions to owners and senior executives of middle market companies and private equity firms. I joined the D&L Group in 2013 and earned my CFP® designation in 2016. As a younger member of the team, I enjoy connecting with our millennial and second and third generation clients, while also studying under the mentorship of Diane Alecci and Lynn Blanchard.
Outside of work, my wife Melinda and I stay busy with our two young children. As an instrument rated private pilot, I enjoy flying down the Hudson or up the East River or flying in search of the pilot’s $100 hamburger.
After earning a BA degree in mechanical engineering from Bucknell University, I entered the Navy’s Officer Candidate School and spent the next ten years flying airplanes all over the world. I left active duty with the rank of Lieutenant Commander and enrolled in Georgetown University’s MBA program. After graduating in 2003, I became part of Booz Allen’s Financial Consulting Group, where I worked as a consultant to the newly established Department of Homeland Security shortly after the agency was formed, helping them plan and execute a $1 billion research and development budget.
In 2006, I became a Vice President at a commercial lending company specializing in providing complex financing solutions to owners and senior executives of middle market companies and private equity firms. I joined the D&L Group in 2013 and earned my CFP® designation in 2016. As a younger member of the team, I enjoy connecting with our millennial and second and third generation clients, while also studying under the mentorship of Diane Alecci and Lynn Blanchard.
Outside of work, my wife Melinda and I stay busy with our two young children. As an instrument rated private pilot, I enjoy flying down the Hudson or up the East River or flying in search of the pilot’s $100 hamburger.
Securities Agent: AL, AZ, CA, CO, CT, DC, FL, GA, HI, IL, IN, KY, LA, MA, MD, ME, MI, MN, MT, NC, NE, NH, NJ, NV, NY, OK, OR, PA, SC, SD, TN, TX, UT, VA, VT, WA, WI, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 1255607
NMLS#: 1255607
About Peter J. DeMarco
Securities Agent: UT, AL, AZ, CA, CO, CT, DC, FL, GA, HI, IL, IN, KY, LA, MA, MD, ME, MI, MN, NC, NE, NH, NJ, NV, NY, OK, OR, PA, SC, SD, TN, TX, VA, VT, WA, WI, WY; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2128441
NMLS#: 2128441
Contact Diane M Alecci
Contact Lynn Blanchard
Contact Glenn Fischer
Contact Peter J. DeMarco
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
Article Image
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 D and L Group today.
1Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
2Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
2Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)