Robert G Davidson Jr., CFP®
Managing Director, Wealth Management, Financial Advisor
Phone:
(803) 343-8904(803) 343-8904
The Davidson-McNair Group at Morgan Stanley
Direct:
(803) 343-8813(803) 343-8813
Toll-Free:
(800) 438-5570(800) 438-5570
Our Mission Statement
A Wealth Management Team focusing on customized investment and financial strategies.
About Us
Our most important goal: to simplify your life. We can help you achieve your financial objectives by providing proactive guidance and impeccable services that can allow your wealth to do more. 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. And, of course, it means helping you invest your assets in a way that reflects the uniqueness of your life and the realities of your long-term goals.
At The Davidson-McNair Group, 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 financial strategies that are most appropriate. We address our clients' needs, return expectations and risk tolerances through:
-Our disciplined and well defined investment process
-Our emphasis and experience in Financial Planning
-Integrity, commitment, and dedication to client service
The Davidson-McNair Group has established a professional team to help meet the financial needs of high net worth families, endowment, and institutions. With the strength of Morgan Stanley behind our team, we focus our firm's worldwide resources on providing quality advice, integrated solutions, and intelligence across global markets. We are passionate about helping you accomplish your financial goals.
At The Davidson-McNair Group, 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 financial strategies that are most appropriate. We address our clients' needs, return expectations and risk tolerances through:
-Our disciplined and well defined investment process
-Our emphasis and experience in Financial Planning
-Integrity, commitment, and dedication to client service
The Davidson-McNair Group has established a professional team to help meet the financial needs of high net worth families, endowment, and institutions. With the strength of Morgan Stanley behind our team, we focus our firm's worldwide resources on providing quality advice, integrated solutions, and intelligence across global markets. We are passionate about helping you accomplish your financial goals.
Services Include
- Wealth ManagementFootnote1
- Alternative InvestmentsFootnote2
- Cash ManagementFootnote3
- Corporate Retirement PlansFootnote4
- Endowments and FoundationsFootnote5
- Estate Planning StrategiesFootnote6
- Financial PlanningFootnote7
- Lending Products
- Life InsuranceFootnote8
- Planning for Education FundingFootnote9
- Trust Services*
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Experience
We provide wealth management to help meet the financial needs of high net worth families, endowments, 401ks, and institutional clients. We are committed to building a long lasting relationship of trust; providing timely guidance, strategies, and impeccable service to assist our clients in reaching their financial goals.
Our method is the same for all of our clients: we work closely with them to help them define their objectives and aspirations for themselves, their loved ones, and their businesses. Then we customize a wealth management strategy based on their goals being mindful of risk tolerances, tax issues, and ever-changing economic conditions. We regularly review portfolios with our clients to help make sure that they are on track with their goals.
Our method is the same for all of our clients: we work closely with them to help them define their objectives and aspirations for themselves, their loved ones, and their businesses. Then we customize a wealth management strategy based on their goals being mindful of risk tolerances, tax issues, and ever-changing economic conditions. We regularly review portfolios with our clients to help make sure that they are on track with their goals.
Awards
Barron's Top 1200 Financial Advisors: State-by-State
We are proud to share Robert Davidson and Clarke McNair have been named to the Barron's Top 1200 Financial Advisors list in 2022 and 2023
2022-2023 Barron's Top 1,200 Financial Advisors: State-by-State(formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State) Source: Barrons.com (Awarded 2022-2023). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
2022-2023 Barron's Top 1,200 Financial Advisors: State-by-State(formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State) Source: Barrons.com (Awarded 2022-2023). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
Forbes Best-In-State Wealth Management Teams 2023-2025
We are proud to share that we have been named Forbes Best-In-State Wealth Management Teams for 2023-2025
2023-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
2023-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Forbes Best-in-State Wealth Advisors
We are proud to share Robert Davidson and Clarke McNair have been named to the Forbes Best-In-State Wealth Advisors list in 2020, 2021, 2022, 2023, 2024 and 2025
2020-2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2020-2025). Data compiled by SHOOK Research LLC based on the 12-month time period concluding in June of year prior to the issuance of the award.
2020-2025 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2020-2025). Data compiled by SHOOK Research LLC based on the 12-month time period concluding in June of year prior to the issuance of the award.
Financial Literacy
Financial literacy is key to financial success. We wanted to share some great financial literacy resources.
Why advice matters
Going it alone can be difficult. Learn how a professional can work with you to build a wealth plan that helps you reach your goals.
Click Here to Learn More
Having Financial Goals is Key to Investing
With a clear goal in mind, investors can create a realistic plan for achieving their objectives within a certain time frame.
Click Here to Learn More
Your Guide to Life and Money
Morgan Stanley is committed to empowering young investors to make smarter financial decisions as they navigate the many milestones of adulthood. Below is a sample of Morgan Stanley's exclusive collection of resources, including The Playbook: Your Guide to Life & Money.
Click Here to Learn More
Saving vs investing: Why the difference matters
Many people use the terms “saving” and “investing” interchangeably. While these two concepts are related, they aren’t exactly equal.
Click Here to Learn More
How to Save for an Emergency Fund
We all know we should have money set aside for emergencies. Here’s how to go about it.
Click Here to Learn More
The Millennial and Gen Z Guide to a Sweet Retirement
Learn how the power of time can help savvy young investors grow an impressive portfolio.
Click Here to Learn MoreArticles from our monthly newsletter
Take a look at the topics we included in this past months newsletter for more insights on the markets and other articles we find interesting.
6 Financially Smart Ways to Start 2025
Heading into 2025, it’s time to take stock of your budget, debt and investments—and check them against your financial goals. These six steps can get you started.
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2025 Investment Outlook: Get Ready to Pivot
A stable global economy is likely to benefit equity and fixed-income markets, though increased uncertainty around U.S. tariffs and immigration policy could jeopardize markets’ recent gains.
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What Could Shape the Global Economy in 2025
Our Global Chief Economist Seth Carpenter weighs the myriad variables which could impact global markets in 2025, and why this year may be the most uncertain for economies since the start of the pandemic.
ListenLocation
1320 Main St
Ste 800
Columbia, SC 29201
US
Direct:
(803) 343-8813(803) 343-8813
Toll-Free:
(800) 438-5570(800) 438-5570
Meet The Davidson-McNair Group
C. Clarke McNair
Managing Director, Wealth Management, Financial Advisor
Phone:
(803) 343-8894(803) 343-8894
Virginia McMaster
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(803) 343-8973(803) 343-8973
Will McMaster
Financial Advisor, First Vice President
Phone:
(803) 343-8974(803) 343-8974
Samantha W. Zecopoulos
Assistant Vice President, Group Director
Phone:
(803) 343-8912(803) 343-8912
Laura F. Richards
Financial Planning Analyst
Phone:
(803) 343-8960(803) 343-8960
Ruth Levesque
Senior Registered Associate
Phone:
(803) 343-8862(803) 343-8862
Katherine Floyd
Client Service Associate
Phone:
(803) 343-8944(803) 343-8944
Jabez Waters
Registered Associate
Phone:
(803) 343-8813(803) 343-8813
About Robert G Davidson Jr.
Bob focuses on financial planning that seeks to simplify the complexities of his clients’ lives by customizing strategies to manage virtually all aspects of their financial well-being. He believes frequent communication and a written plan are the foundation for a successful long-term client relationship.
Bob has almost 30 years of experience in the financial services industry. In 2011, he became a member of Morgan Stanley’s distinguished Masters Club, an elite group of the firm’s top advisors. Bob holds the CERTIFIED FINANCIAL PLANNER™ designation and the Chartered Retirement Plan Specialist designation, and he is a past president of the Financial Planning Association for South Carolina. A graduate of Davidson College, Bob served as a military intelligence officer in the 101st Airborne Division of the United States Army, receiving the Bronze Star in Operation Desert Storm.
Outside the office, Bob enjoys spending time with his wife, Donnelly, and their three children, Gage, Graham and Gracie. In his free time, Bob is active with several nonprofit organizations, as well as the Executive Association of Greater Columbia, where he is an immediate past president. He also enjoys in-shore saltwater fishing and bird hunting.
Bob has almost 30 years of experience in the financial services industry. In 2011, he became a member of Morgan Stanley’s distinguished Masters Club, an elite group of the firm’s top advisors. Bob holds the CERTIFIED FINANCIAL PLANNER™ designation and the Chartered Retirement Plan Specialist designation, and he is a past president of the Financial Planning Association for South Carolina. A graduate of Davidson College, Bob served as a military intelligence officer in the 101st Airborne Division of the United States Army, receiving the Bronze Star in Operation Desert Storm.
Outside the office, Bob enjoys spending time with his wife, Donnelly, and their three children, Gage, Graham and Gracie. In his free time, Bob is active with several nonprofit organizations, as well as the Executive Association of Greater Columbia, where he is an immediate past president. He also enjoys in-shore saltwater fishing and bird hunting.
Securities Agent: MN, CO, DE, DC, HI, CT, TX, OK, OH, NY, LA, IL, AZ, AR, UT, SC, PA, OR, NJ, NH, ME, TN, SD, MA, WA, NC, AL, NE, RI, MI, MD, KY, VA, MO, CA, VT, GA, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1380614
NMLS#: 1380614
About C. Clarke McNair
Clarke is committed to helping clients coordinate and organize their financial lives, while providing the financial education they need to make informed decisions throughout the process. He helps them customize a detailed plan that targets their objectives while incorporating their personal priorities and values. For every milestone, challenge or accomplishment that comes their way, Clarke wants to be there to support them, whenever and however they need it.
Clarke has 23 years of experience in financial services, offering him a long-perspective that he can share with his clients as they navigate life’s major events and transitions. Clarke began his career at Morgan Stanley in 2000 and subsequently became a member of the firm’s distinguished Presidents Club, an elite group of its top financial advisors. In addition, he was recognized by Forbes as a Best-in-State Wealth Advisor from 2020 to 2023. He holds the Portfolio Manager designation from Morgan Stanley and is the team’s lead capital markets professional. Clarke is a graduate of Hampden Sydney College, where he majored in economics.
Clarke and his wife, Robin, have three daughters. Outside the office, he an active member and officer of Presbyterian Church of Columbia. Clarke also enjoys spending time outdoors, and when he isn’t farming or gardening, he may be hunting for turkey and doves or fishing off the coast for flounder and redfish.
2020-2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2020-2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Clarke has 23 years of experience in financial services, offering him a long-perspective that he can share with his clients as they navigate life’s major events and transitions. Clarke began his career at Morgan Stanley in 2000 and subsequently became a member of the firm’s distinguished Presidents Club, an elite group of its top financial advisors. In addition, he was recognized by Forbes as a Best-in-State Wealth Advisor from 2020 to 2023. He holds the Portfolio Manager designation from Morgan Stanley and is the team’s lead capital markets professional. Clarke is a graduate of Hampden Sydney College, where he majored in economics.
Clarke and his wife, Robin, have three daughters. Outside the office, he an active member and officer of Presbyterian Church of Columbia. Clarke also enjoys spending time outdoors, and when he isn’t farming or gardening, he may be hunting for turkey and doves or fishing off the coast for flounder and redfish.
2020-2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2020-2023). 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: VA, CA, RI, MT, IL, MO, TN, HI, SC, OR, CT, OH, MI, AZ, AL, NC, ME, MD, SD, NJ, NH, LA, DC, WA, PA, MA, GA, DE, TX, NY, VT, UT, MN, FL, CO; General Securities Representative; Investment Advisor Representative
NMLS#: 1393629
NMLS#: 1393629
About Virginia McMaster
Virginia works with clients to define and strategically pursue their personal and professional objectives. She is responsible for portfolio construction, retirement income planning, education planning, estate planning strategies and other key areas as dictated by clients’ needs. She also monitors their accounts to stay on top of changing market environments and their personal circumstances, helping them gain confidence about staying on track toward their goals.
After five years in private banking at First Citizens Bank, Virginia joined Morgan Stanley in 2015. She holds the Series 7, 66 and South Carolina Life & Accident/Health Insurance licenses, and she is a graduate of Sewanee: The University of the South with a degree in economics.
However, Virginia believes her greatest industry education came from her father, Dan Roach, who served the team’s clients for 40 years.
Virginia and her husband, Henry, live in Columbia with their new baby and golden retriever. She is a member of First Presbyterian Church of Columbia, and in her free time, she serves as board chairman of the YMCA of Columbia.
After five years in private banking at First Citizens Bank, Virginia joined Morgan Stanley in 2015. She holds the Series 7, 66 and South Carolina Life & Accident/Health Insurance licenses, and she is a graduate of Sewanee: The University of the South with a degree in economics.
However, Virginia believes her greatest industry education came from her father, Dan Roach, who served the team’s clients for 40 years.
Virginia and her husband, Henry, live in Columbia with their new baby and golden retriever. She is a member of First Presbyterian Church of Columbia, and in her free time, she serves as board chairman of the YMCA of Columbia.
Securities Agent: NJ, CT, PA, SD, MO, IL, GA, WA, TX, LA, VA, NC, HI, MD, DE, DC, AL, VT, TN, RI, MI, ME, SC, NY, NH, MA, FL, CA, AZ, UT, MN, CO, OR, OH; General Securities Representative; Investment Advisor Representative
NMLS#: 662194
NMLS#: 662194
About Will McMaster
Will advises clients on the asset allocation of their investable assets in concert with their financial goals. He also makes recommendations to clients with regard to Morgan Stanley’s lending capabilities and how these resources may support their objectives. In addition, he communicates information about financial markets to aid them in their decision-making.
With 45 years in the financial services industry, Will has gained broad experience in equities, fixed income and management. He began his career at a regional bank in the fixed income department, where he was responsible for sales and trading, and he moved to BB&T Securities from 1996 to 2013. Will subsequently become a branch manager at Morgan Stanley for seven years before joining the team. He graduated from the University of South Carolina with an M.B.A. and a B.S. in business administration.
Will and his wife, Beth, enjoy spending time with their three children and six grandchildren. Outside the office, he like travel and outdoor activities such as freshwater and saltwater fishing, hunting, golfing, and biking.
With 45 years in the financial services industry, Will has gained broad experience in equities, fixed income and management. He began his career at a regional bank in the fixed income department, where he was responsible for sales and trading, and he moved to BB&T Securities from 1996 to 2013. Will subsequently become a branch manager at Morgan Stanley for seven years before joining the team. He graduated from the University of South Carolina with an M.B.A. and a B.S. in business administration.
Will and his wife, Beth, enjoy spending time with their three children and six grandchildren. Outside the office, he like travel and outdoor activities such as freshwater and saltwater fishing, hunting, golfing, and biking.
Securities Agent: MI, SC, PA, WA, VT, ME, MA, DC, SD, CT, AL, VA, UT, CO, NH, IL, GA, CA, TX, RI, MO, MD, LA, FL, TN, OR, OH, NY, HI, AZ, NJ, NC, MN, IA, DE; BM/Supervisor; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 1255716
NMLS#: 1255716
About Samantha W. Zecopoulos
Samantha directs and coordinates the six-person service team to help provide a top-tier experience to clients. She also supports the Financial Advisors of the team as they establish and cultivate relationships with new and existing clients. In addition, Samantha personally handles the more complex issues that require a higher level of dedication.
When Samantha joined the team in 2011, she began as a Client Service Associate, eventually becoming registered and transitioning into the role of Wealth Management Associate and then Group Director. Her diverse background has allowed her to gain extensive knowledge of service processes and team operations, which she uses to help the clients resolve issues every day. Samantha is a graduate of the Moore School of Business at the University of South Carolina with majors in business management and marketing.
Samantha and her husband, Chris, have three children, Audrey, Palmer, and Simms. Outside of the office, she enjoys traveling with her family and spending time outdoors.
When Samantha joined the team in 2011, she began as a Client Service Associate, eventually becoming registered and transitioning into the role of Wealth Management Associate and then Group Director. Her diverse background has allowed her to gain extensive knowledge of service processes and team operations, which she uses to help the clients resolve issues every day. Samantha is a graduate of the Moore School of Business at the University of South Carolina with majors in business management and marketing.
Samantha and her husband, Chris, have three children, Audrey, Palmer, and Simms. Outside of the office, she enjoys traveling with her family and spending time outdoors.
About Laura F. Richards
Laura generates tailored financial plans using Morgan Stanley’s broad wealth management resources. By working closely with clients to help them articulate their priorities and goals, she seeks to design a plan that reflects and aligns with these values. Laura brings extensive knowledge of Social Security benefits, estate planning strategies, and life and long-term care insurance issues to her role.
Laura has been a dedicated financial planning specialist with the firm since 2019, and has customized an extensive number of client plans. She holds the Series 7, 66 and South Carolina Life & Accident/Health Insurance licenses, and she attended the University of South Carolina Honors College, where she earned a B.A. in political science with a minor in marketing and public relations.
Laura and her husband, Alex, have three children: Charlotte, Chandler and Andy. Laura is a Columbia native and is a member of Eastminster Presbyterian Church. She enjoys spending time with family and friends, traveling and a good DIY home project.
Laura has been a dedicated financial planning specialist with the firm since 2019, and has customized an extensive number of client plans. She holds the Series 7, 66 and South Carolina Life & Accident/Health Insurance licenses, and she attended the University of South Carolina Honors College, where she earned a B.A. in political science with a minor in marketing and public relations.
Laura and her husband, Alex, have three children: Charlotte, Chandler and Andy. Laura is a Columbia native and is a member of Eastminster Presbyterian Church. She enjoys spending time with family and friends, traveling and a good DIY home project.
Securities Agent: FL, MA, SD, WY, RI, WV, WI, KS, MS, MI, VA, PA, SC, DE, NV, AK, NY, DC, NM, VT, IL, CT, ND, NC, MO, MD, AL, KY, UT, TX, OH, CA, TN, LA, CO, NE, IA, ME, AZ, PR, MN, WA, GA, IN, AR; General Securities Representative; Investment Advisor Representative
About Ruth Levesque
Ruth handles a wide range of client administrative requests, such as trades, account maintenance and documentation, money movement, and estate and legal processing. She also assists the team’s financial advisors in preparing for client meetings.
Ruth has been with Morgan Stanley or its predecessor firms since 1979. She has worked with some of the team’s clients for more than 40 years, navigating through several company mergers along the way. Through the decades, she has gained extensive familiarity with clients and their families, as well as firm systems and procedures, which she uses to enhance the personalized and efficient service she provides. Ruth graduated from Georgia Southern College with a major in English and minors in philosophy and French. She also did post graduate study at the National Center for Paralegal Training.
Ruth and her husband, Reggie, are busy raising their grandson, Christian, and the family’s many cats and dogs. She is an active member of Spring Valley Baptist Church, and in her free time, she enjoys horses, reading, and arts and crafts.
Ruth has been with Morgan Stanley or its predecessor firms since 1979. She has worked with some of the team’s clients for more than 40 years, navigating through several company mergers along the way. Through the decades, she has gained extensive familiarity with clients and their families, as well as firm systems and procedures, which she uses to enhance the personalized and efficient service she provides. Ruth graduated from Georgia Southern College with a major in English and minors in philosophy and French. She also did post graduate study at the National Center for Paralegal Training.
Ruth and her husband, Reggie, are busy raising their grandson, Christian, and the family’s many cats and dogs. She is an active member of Spring Valley Baptist Church, and in her free time, she enjoys horses, reading, and arts and crafts.
About Katherine Floyd
Katherine is responsible for assisting the team with client service issues, including money movements, online support, account maintenance, day-to-day requests, and client inquiries. She also schedules client meetings and helps the team’s advisors prepare for those meetings and execute subsequent action items. She is integral to ensuring that clients’ needs are addressed quickly and correctly.
Since joining the team in 2015, Katherine has developed in-depth knowledge of its clients, which allows her to customize the service she provides. She is a graduate of the College of Charleston, where she majored in corporate communications. Additionally, she has a master’s degree in social work from the University of South Carolina.
A native of Columbia, Katherine enjoys gardening and spending time with her golden retriever, Penny.
Since joining the team in 2015, Katherine has developed in-depth knowledge of its clients, which allows her to customize the service she provides. She is a graduate of the College of Charleston, where she majored in corporate communications. Additionally, she has a master’s degree in social work from the University of South Carolina.
A native of Columbia, Katherine enjoys gardening and spending time with her golden retriever, Penny.
About Jabez Waters
Jabez offers a friendly and familiar voice on the phone when clients call with questions or requests, and he serves as a key point of contact for client account servicing, trading, and daily operational needs. He also helps the team’s financial advisors schedule client meetings and facilitates regular communication between clients and their advisor.
Jabez joined the team in 2021 after attending Presbyterian College, where he graduated magna cum laude with a B.S. in economics and business administration. In addition, he holds the Series 7 and 66 licenses.
A native of Chapin, Jabez attends Chapin Presbyterian Church. Outside the office, he enjoys cooking, carpentry, hiking in upstate South Carolina and western North Carolina, and bird hunting.
Jabez joined the team in 2021 after attending Presbyterian College, where he graduated magna cum laude with a B.S. in economics and business administration. In addition, he holds the Series 7 and 66 licenses.
A native of Chapin, Jabez attends Chapin Presbyterian Church. Outside the office, he enjoys cooking, carpentry, hiking in upstate South Carolina and western North Carolina, and bird hunting.
Contact Robert G Davidson Jr.
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Ready to start a conversation? Contact The Davidson-McNair Group today.
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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 securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative 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.
3Morgan 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
4When 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.
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, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Morgan 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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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)
