Daniel Haskard
Senior Vice President, Financial Advisor, Insurance Planning Director
Phone:
(858) 729-5141(858) 729-5141
The Haskard Werve Group at Morgan Stanley
Direct:
(858) 729-5146(858) 729-5146
Our Mission Statement
Our team is dedicated to the financial success for you, your family and your legacy.
About Us
The Haskard Werve Group at Morgan Stanley believes that managing wealth involves far more than managing an investment portfolio. It begins with developing a holistic, comprehensive understanding of who you are and the financial forces at work in your life. It means helping you understand and respond effectively to these forces. This also means helping you invest your assets in a way that reflects the realities of your life and the uniqueness of your long term goals.
As Financial Advisors, we are committed to building a relationship of trust in which we can work closely with you to help you define your objectives, explore alternatives and choose the financial and investment strategies that are most appropriate for you. As our relationship evolves, we hope you will come to regard us as a valued resource and as professionals who can help you make a more informed decision on any financial issue.
Our most important goal is to help you achieve your objectives and provide guidance that helps your wealth do more for you. Contact us to learn more on how we can help you reach your financial goals.
As Financial Advisors, we are committed to building a relationship of trust in which we can work closely with you to help you define your objectives, explore alternatives and choose the financial and investment strategies that are most appropriate for you. As our relationship evolves, we hope you will come to regard us as a valued resource and as professionals who can help you make a more informed decision on any financial issue.
Our most important goal is to help you achieve your objectives and provide guidance that helps your wealth do more for you. Contact us to learn more on how we can help you reach your financial goals.
Services Include
- Retirement PlanningFootnote1
- Wealth ManagementFootnote2
- Financial PlanningFootnote3
- Sustainable InvestingFootnote4
- 401(k) Rollovers
- Estate Planning StrategiesFootnote5
- Structured ProductsFootnote6
- Alternative InvestmentsFootnote7
- Business PlanningFootnote8
- Cash Management and Lending ProductsFootnote9
- Endowments and FoundationsFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Services to You
We provide a wide array of offerings and services centered on you and customized to help meet your needs, and provide access to specialists to help pursue specific goals.
Retirement Planning
Planning for retirement has never been easy, but in recent years, it’s become increasingly difficult. We’re here to help you create a well-rounded planning approach for retirement. We’ll help you identify your personal goals, track your progress toward achieving them and work together to create a customized plan.
Financial Planning
We're here to help reduce the stress around financial decisions by offering knowledge and thoughtful guidance. As your life stage changes, so do your goals - our platform allows you to look across your assets and liabilities to help you adapt your strategy to meet those changing demands. Whether it is saving for retirement and other expenses, securing retirement income, healthcare planning, taxes, or legacy planning, we’re here for you.
Sustainable Investing
We create scalable sustainable and impact investing solutions that seek to deliver competitive financial returns, while driving positive environmental, social and governance (ESG) outcomes. Our Investing with Impact Platform offers a diverse range of funds and other investments designed to advance environmental, economic and social goals — while striving for competitive performance. We make it easy to craft an investment portfolio of any size that is tailored to meet the impact goals of your choice.
401(k) Rollovers
After participating in your employer's qualified retirement plan, you likely have earned a vested interest in all or part of your benefits - including the contributions you've made, your employer's contributions and any growth in value of the account. We can help you explore the options now available to you, including how exercising each of those options could affect the taxation of your retirement assets.
Estate Planning Strategies
Estate planning is the process of making arrangements to pass down wealth and assets after a person’s death. Proper estate planning gives careful consideration to the estate owner’s future plans, preferences and goals.
Cash Management & Lending Products
Morgan Stanley provides a variety of cash management solutions to help clients manage everyday finances. We also offer lending that allows clients to finance almost any personal or business need.
Digital Tools
Morgan Stanley strives to ensure it serves clients on its technology platforms that are resilient, safe, efficient, smart, fast and flexible. As a part of our services, these resources are readily available for our clients.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Register for Morgan Stanley Online Today
Total Wealth View
With this service, you can view all your investments together – whether they are held at Morgan Stanley or elsewhere.
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 the resources of MSO on the go.
eAuthorizations
eAuthorizations allow you to electronically authorize domestic and international, one-time/recurring transactions through Morgan Stanley Online and the Morgan Stanley Mobile App.
Security Center
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.
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.
Get Started Today
Morgan Stanley Ideas
Read our perspective on what's shaping the world today, and tomorrow. We cover topics ranging from health care, sustainability, macroeconomics and technology.
Global Investment Committee On the Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on various topics including global equities, fixed income markets, monetary policy and more.
On The Markets
Thoughts On The Market Podcast
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program for eligible Morgan Stanley clients designed to deliver additional value beyond wealth management. The program provides access to exclusive offers and discounts from premium brands, as well as curated content from our partners and Morgan Stanley thought leaders.
Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
View The GIC Weekly
2023 Tax Tables
Please view the following attachment to find the 2023 federal tax tables.
PROTECTING YOUR ONLINE SECURITY
Your security is our top priority. Morgan Stanley proactively defends our systems and monitors our digital landscapes to anticipate issues before they arise and respond appropriately when they do.
The firm is actively supporting multiple layers of security. Security includes the following; Strong encryption protocols designed to protect your data, continuous monitoring to help detect and prevent fraudulent activity in your accounts, routine testing of our systems to identify potential vulnerabilities, and independent reviews by outside security firms to penetration test our applications and evaluate our processes.
The firm is actively supporting multiple layers of security. Security includes the following; Strong encryption protocols designed to protect your data, continuous monitoring to help detect and prevent fraudulent activity in your accounts, routine testing of our systems to identify potential vulnerabilities, and independent reviews by outside security firms to penetration test our applications and evaluate our processes.
Cybersecurity Best Practices
- Safeguarding your personal information is one of our highest priorities. While many of us continue to work from home we find ourselves utilizing technology more now than ever. For some tips and tricks that can help you be more secure check out our cybersecurity center.
Security Features and Proactive Defense
- Multi-Factor Authentication (MFA)
- Alerts and Notifications
- Automatic Session Time Out
- VoiceID
- Fraud Detection and Prevention
- Digital Tools
- Cybersecurity Fusion Centers
- Threat Landscape Monitoring
- Employee Training and Testing
Location
1111 Prospect St.
Ste 200
La Jolla, CA 92037
US
Direct:
(858) 729-5146(858) 729-5146
Meet The Haskard Werve Group
Senior Vice President, Wealth Management, Financial Advisor, CERTIFIED FINANCIAL PLANNER®
Phone:
(858) 729-5142(858) 729-5142
Jaime Lima
Financial Advisor
Phone:
(858) 729-5146(858) 729-5146
Jennifer E. Miller
Senior Registered Associate
Phone:
(858) 729-5149(858) 729-5149
About Daniel Haskard
Daniel S Haskard is a Senior Vice President, Financial Advisor, and Insurance Planning Director at Morgan Stanley. He began his career in the financial services industry in 1998 with Dean Witter Reynolds and has been with Morgan Stanley since 2009. Following his years of experience, Daniel gained knowledge in trust and estate planning strategies to help protect, manage, and distribute client’s assets during and after their lifetime, while helping to minimize taxation.
At The Haskard and Werve Group, Daniel is devoted to helping his clients create and implement tactical investment strategies for their current and long term needs. He provides ongoing, comprehensive planning and advice to help the wide variety of clients he serves succeed. In addition, Daniel has a unique focus on corporate cash management and Home Owner Association reserves.
Daniel holds his Series 7, Series 66, and Series 31 financial securities licenses and insurance licenses in Life, Variable and Disability lines. He has lived in San Diego, California for most of his life and is happily married to his high school sweetheart. They are blessed with two children and their rescue dogs. During their spare time, they enjoy travelling and attending social events together.
At The Haskard and Werve Group, Daniel is devoted to helping his clients create and implement tactical investment strategies for their current and long term needs. He provides ongoing, comprehensive planning and advice to help the wide variety of clients he serves succeed. In addition, Daniel has a unique focus on corporate cash management and Home Owner Association reserves.
Daniel holds his Series 7, Series 66, and Series 31 financial securities licenses and insurance licenses in Life, Variable and Disability lines. He has lived in San Diego, California for most of his life and is happily married to his high school sweetheart. They are blessed with two children and their rescue dogs. During their spare time, they enjoy travelling and attending social events together.
Securities Agent: AR, AL, WA, CA, VA, PA, NC, GA, AZ, MT, IN, WI, TN, OK, ME, MA, NY, NH, OH, NV, NM, NJ, MS, HI, MO, MN, MI, MD, CO, TX, LA, ID, FL, UT, SD, OR, IL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1423924
CA Insurance License #: 0D81279
NMLS#: 1423924
CA Insurance License #: 0D81279
About Jennifer Werve
Jennifer Werve is a CERTIFIED FINANCIAL PLANNER® (CFP®), Senior Vice President, and Financial Advisor at Morgan Stanley. She has partnered to create The Haskard Werve Group at Morgan Stanley and focuses on providing clients the utmost ethical approach to managing lifetime income, investments, insurance, taxes, retirement and estate planning strategies.
She began her career in the financial services industry in 2000 while being hired by Morgan Stanley as a high school intern. Her experience at a young age helped solidify her interest to become a Financial Advisor and work alongside her father, Robert Werve, a Financial Advisor as well. Following her mentorship from her father, Jennifer and her team continues on his legacy to support individuals and families through their financial journey.
At The Haskard Werve Group, Jennifer enjoys developing personal and professional relationships with their clients. Her objective is to educate her clients on how they can improve their financial well-being and develop customized financial plans to meet and maintain their goals.
Jennifer has been recognized by Forbes as one of the Top Next-Gen Wealth Advisors Best-in-State in 2022 and Top Women Wealth Advisors Best-In-State in 2023 & 2024. She was also named a Top Wealth Advisor Mom by Working Mother Magazine and SHOOK Research in 2021. She holds her Series 7, Series 66, and Series 31 financial securities licenses and holds Life, Variable and Chronic Illness/Long Term Care Insurance licenses. She and her husband reside in San Diego, California with their beloved beagle and two young children. In addition to the joys of motherhood, she enjoys gardening, golfing, watching baseball, and traveling.
Disclosure(s):
Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21 - 3/31/22.
2023 & 2024 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 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.
Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded Oct 2021) Data compiled by SHOOK Research LLC based on time period from 3/31/20 - 3/31/21.
Awards Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure.html
She began her career in the financial services industry in 2000 while being hired by Morgan Stanley as a high school intern. Her experience at a young age helped solidify her interest to become a Financial Advisor and work alongside her father, Robert Werve, a Financial Advisor as well. Following her mentorship from her father, Jennifer and her team continues on his legacy to support individuals and families through their financial journey.
At The Haskard Werve Group, Jennifer enjoys developing personal and professional relationships with their clients. Her objective is to educate her clients on how they can improve their financial well-being and develop customized financial plans to meet and maintain their goals.
Jennifer has been recognized by Forbes as one of the Top Next-Gen Wealth Advisors Best-in-State in 2022 and Top Women Wealth Advisors Best-In-State in 2023 & 2024. She was also named a Top Wealth Advisor Mom by Working Mother Magazine and SHOOK Research in 2021. She holds her Series 7, Series 66, and Series 31 financial securities licenses and holds Life, Variable and Chronic Illness/Long Term Care Insurance licenses. She and her husband reside in San Diego, California with their beloved beagle and two young children. In addition to the joys of motherhood, she enjoys gardening, golfing, watching baseball, and traveling.
Disclosure(s):
Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State
Source: Forbes.com (Awarded Aug 2022) Data compiled by SHOOK Research LLC based on time period from 3/31/21 - 3/31/22.
2023 & 2024 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 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.
Working Mother Magazine & SHOOK Research's Top Wealth Advisor Moms
Source: Workingmother.com (Awarded Oct 2021) Data compiled by SHOOK Research LLC based on time period from 3/31/20 - 3/31/21.
Awards Disclosures: https://www.morganstanley.com/disclosures/awards-disclosure.html
Securities Agent: NM, MT, TN, NC, MA, WI, VA, FL, UT, OR, MO, MD, SD, PA, MI, TX, MN, IN, AZ, ME, AL, NH, OK, NY, NV, OH, LA, CO, CA, AR, WA, NJ, MS, IL, ID, HI, GA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1426099
CA Insurance License #: 0D91347
NMLS#: 1426099
CA Insurance License #: 0D91347
About Jaime Lima
Jaime Lima is a Financial Advisor at Morgan Stanley and has been with the firm since 2017. She holds her Series 7 and Series 66 financial securities licenses. Jaime is a native to the San Diego area and is married to a first responder and enjoys spending time with her two dogs.
Securities Agent: CT, AL, CO, OH, AR, NJ, MS, MN, IL, NY, PA, PR, SD, TN, TX, VA, WA, VT, DE, NV, AZ, ID, WI, IN, UT, MI, SC, HI, MT, OR, OK, ME, NM, ND, NH, NE, NC, GA, MO, MD, MA, LA, FL, CA, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 2516076
NMLS#: 2516076
About Jennifer E. Miller
I started my career in the financial securities industry in 1994 and been with Morgan Stanley for over 12 years. I am FINRA registered with a Series 7 & 66 license. As a Senior Registered Associate, my goal is to keep our daily operations running smoothly for our team, and to create the best experience I can for our clients. I am a San Diego native , enjoy raising chickens in our back yard, and spending time with my family and our yellow lab.
Contact Daniel Haskard
Contact Jennifer Werve
Contact Jaime Lima
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Michael Mackowiak
Private Banker
About Michael Mackowiak
Michael Mackowiak is a Private Banker serving Morgan Stanley Wealth Management offices in California.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Michael began his career in financial services in 2008, and joined Morgan Stanley in 2019 as a Private Banker. Prior to joining the firm, he was a Premier Banker at Wells Fargo Bank, N.A.
He lives in Chula Vista, California with his family. Outside of the office, Michael enjoys watching soccer and baseball, traveling, and spending time with his family.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Michael began his career in financial services in 2008, and joined Morgan Stanley in 2019 as a Private Banker. Prior to joining the firm, he was a Premier Banker at Wells Fargo Bank, N.A.
He lives in Chula Vista, California with his family. Outside of the office, Michael enjoys watching soccer and baseball, traveling, and spending time with his family.
NMLS#: 1069297
Wealth Management
From Our Team
Concern About Trade Conflicts
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 Haskard Werve 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.
1When 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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
4The 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.
5Morgan 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.
6Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
7Alternative 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.
8Morgan 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.
9Morgan 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
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.
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
1When 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.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
4The 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.
5Morgan 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.
6Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
7Alternative 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.
8Morgan 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.
9Morgan 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
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.
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)
