Ian DeLuke, CFP®, QPFC
First Vice President, Financial Advisor, Corporate Retirement Director, Workplace Advisor - Equity Compensation
The DeLuke Tamasy Group at Morgan Stanley
Direct:
(716) 849-4811(716) 849-4811
Our Mission Statement
Our vision is to help clients feel confident about their future and pursue their financial goals. Through our comprehensive approach, we develop customized financial and retirement strategies that address your short and long-term needs.
Our Story and Services
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Services Include
- Cash Management and Lending ProductsFootnote1
- Wealth PlanningFootnote2
- Professional Portfolio ManagementFootnote3
- Retirement PlanningFootnote4
- Corporate Pension Plans
- Corporate Retirement PlansFootnote5
- Business Succession PlanningFootnote6
- Alternative InvestmentsFootnote7
- Trust ServicesFootnote8
- Trust AccountsFootnote9
- Estate Planning StrategiesFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
WORKING WITH YOU
At Morgan Stanley, we believe that identifying financial solutions begins with a solid understanding of each client's situation, goals, objectives and risk tolerance. We follow a disciplined process that allows us to work with you to craft a solution that helps meet your individual needs. This process aligns our efforts with your interests, providing a road map focused on what is most important to you.
Step 1: Introductory Meeting
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals.
Step 2: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing an appropriate risk tolerance that can help you achieve the financial outcome you envision for yourself.
Step 3: Financial Plan Presentation
Financial plan presentations map out essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage. Examining relevant financial information provides a holistic asset allocation analysis for your accounts helping ensure a comprehensive financial plan.
Step 4: Action Items / Next Steps
After the financial plan presentation, we will follow up with you regarding your analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits and insurance coverage.
Step 5: Implementation Meeting
The implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving/benefit modifications.
Step 6: Monitoring & Performance Tracking
Finally, we will be constantly monitoring your assets and analyzing your performance tracking data seeking to ensure your financial expectations are being met and adjusted accordingly. We will keep a high degree of communication with you to make sure your concerns and requests are always addressed.
Upcoming Firm Events
We hope you will join us for this upcoming event.
U.S. Policy Pulse: 100 Days of Trump 2.0
DATE: April 24, 2025 at 4:15 p.m. ETWhat do the policies of the administration's first 100 days indicate for the economy and the markets? Join Morgan Stanley Wealth Management Chief Investment Officer, Lisa Shalett, for a conversation with Global Head of Government Relations, Michael J. Stein, and Head of U.S. Policy, Monica Guerra, about potential implications for investors.Can't attend the live event? Register anyway for access to the replay.
4398292 04/2025
Online
MODERN WEALTH MANAGEMENT TOOLS AND RESOURCES
Morgan Stanley's comprehensive suite of digital resources has carefully been designed to help enhance each aspect of your financial portfolio. Take some time to learn about some of the many Modern Wealth Management resources that we offer to our clients.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley mobile app! Access your finances and invest in an instant with the help of this useful resource that is available 24/7.
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Portfolio Risk Platform
Morgan Stanley's Portfolio Risk Platform is powered by BlackRock's Aladdin risk engine, a state-of-the-art, innovative risk engine used by several of the world’s largest institutional asset managers, providing you with comprehensive risk analytics and a sophisticated view of the risk/return dichotomy across your financial portfolios.
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access and convenient connectivity.
Learn more about Total Wealth View
MS Reserved
Morgan Stanley Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
Learn more about MS Reserved
LifeView
LifeView is a suite of planning tools that creates a realistic, integrated strategy meant to incorporate aspects of an individual’s financial life, including investments and cash management needs. It also provides progress-to-goals reporting which illustrate complex planning strategies.
Understanding LifeView Portal
Goals-Based Planning
Working with Morgan Stanley and its advanced wealth management technology is an ideal way to access advice and build a coherent wealth plan. Read more about the advantages of working with our unique planning technology to help reach your financial goals.
Learn more about Goals-Based Planning
Online Security Center
Safeguarding your assets and personal information is paramount to us here at Morgan Stanley. Learn about our extensive security measures and take advantage of our numerous resources and ideas that are geared towards helping you stay protected on the World Wide Web.
Learn more about the Online Security Center
Digital Vault
Keeping important documents and financial records organized and readily available is one of the best gifts you can give those you love in the event of a catastrophe or serious illness, disability, or death. Your Family Records Organizer can immediately provide vital and timely information to both your family and professional advisors. The Digital Vault allows you to construct a central, shared document library where all documents can be stored using encryption.
Log into your Digital VaultCorporate Retirement Services
Utilizing the powerful Morgan Stanley at Work platform, we at The DeLuke Tamasy Group are able to help build financial confidence through insightful advice, thoughtful education and cutting-edge technology across a suite of modern workplace solutions.
Corporate Retirement
A Guide for Pre-sale, Post-sale, Implementation and Engagement with your Corporate Retirement Clients
Get StartedThe Right Plan for Your Business
If you are thinking of offering a retirement plan for your business but are unsure where to start, this guide provides a high-level overview of various plans.
Retirement Plans at a GlanceRetirement Sales Consultant Overview
RSCs are dedicated resources who act as an extension of your team to help you efficiently scale your retirement plan business.
More Value, Less EffortHome Office Support
Retirement Solutions Home Office has expanded to offer a suite of new resources to act as an extension of your team, supporting growth and scalability for your corporate retirement plan book of business to include Broker of Record, Advisory and Business Retirement Plans.
Our ResourcesLocation
50 Fountain Plaza
Suite 400
Buffalo, NY 14202
US
Direct:
(716) 849-4811(716) 849-4811
Meet The DeLuke Tamasy Group
Julius Tamasy
Vice President, Wealth Management, Financial Advisor, Workplace Advisor - Equity Compensation
Ryan Miller
Client Service Associate
Phone:
(716) 849-4811(716) 849-4811
About Ian DeLuke
Working to help others:
Ian is committed to putting his clients' needs first. Ian combines his broad knowledge and experience in banking, entrepreneurship, and financial services to provide clients with comprehensive and consultative wealth management and financial planning.
Comprehensive custom service:
Ian is a First Vice President at Morgan Stanley. He holds the title of Corporate Retirement Director and Portfolio Manager. Ian acts as a fiduciary for many of his clients. These clients include individuals, corporations, trusts, foundations, and other institutions across the country. He has a passion for goal-oriented financial planning and customizing solutions to meet individual client needs. Each client is unique, as are their needs.
Education and certifications:
Ian has a master’s in business administration (MBA) from University of Rochester and a B.S in Finance from Canisius College. He is a Certified Financial Planner TM (CFP®) and a Qualified Plan Financial Consultant (QPFC). Ian holds the Series 7 and 66 securities licenses.
Passion for financial advice:
Ian began his career as an intern at Merrill Lynch. After college he was trained as a credit analyst at M&T Bank, which offered him a deeper understanding of how to manage both sides of the balance sheet. He engages in both asset and liability discussions with his clients. After the financial crisis of 2008-2009, Ian saw an opportunity to help individuals and institutions recover, and joined Merrill Lynch as a financial advisor. For the past 14 years he has works as a financial advisor at Merrill Lynch, UBS Financial Services, and Morgan Stanley.
Outside Morgan Stanley:
As a native of WNY and a father, Ian is passionate about both professional and youth sports in WNY. Ian and his wife, Elise, are members of the Delaware Park community in Buffalo. Ian and Elise have three children, Bruno, Eva, and Douglas. Ian is an active participant with Delaware Soccer Club and Ian and Elise support local soccer in WNY. Ian also partners with the Hardy Mendez Angel Fund which raises scholarships to provide disadvantaged Buffalo youth better educational opportunities. Ian’s favorite activity is spending time outdoors with his family.
At a glance:
• MBA, University of Rochester
• B.S. in finance, Canisius College
• Certified Financial Planner TM (CFP®)
• Qualified Plan Financial Consultant (QPFC)
• Corporate Retirement Director
• Portfolio Manager
• Series 7 and 66 securities licenses
• Life insurance and annuity licenses
Ian is committed to putting his clients' needs first. Ian combines his broad knowledge and experience in banking, entrepreneurship, and financial services to provide clients with comprehensive and consultative wealth management and financial planning.
Comprehensive custom service:
Ian is a First Vice President at Morgan Stanley. He holds the title of Corporate Retirement Director and Portfolio Manager. Ian acts as a fiduciary for many of his clients. These clients include individuals, corporations, trusts, foundations, and other institutions across the country. He has a passion for goal-oriented financial planning and customizing solutions to meet individual client needs. Each client is unique, as are their needs.
Education and certifications:
Ian has a master’s in business administration (MBA) from University of Rochester and a B.S in Finance from Canisius College. He is a Certified Financial Planner TM (CFP®) and a Qualified Plan Financial Consultant (QPFC). Ian holds the Series 7 and 66 securities licenses.
Passion for financial advice:
Ian began his career as an intern at Merrill Lynch. After college he was trained as a credit analyst at M&T Bank, which offered him a deeper understanding of how to manage both sides of the balance sheet. He engages in both asset and liability discussions with his clients. After the financial crisis of 2008-2009, Ian saw an opportunity to help individuals and institutions recover, and joined Merrill Lynch as a financial advisor. For the past 14 years he has works as a financial advisor at Merrill Lynch, UBS Financial Services, and Morgan Stanley.
Outside Morgan Stanley:
As a native of WNY and a father, Ian is passionate about both professional and youth sports in WNY. Ian and his wife, Elise, are members of the Delaware Park community in Buffalo. Ian and Elise have three children, Bruno, Eva, and Douglas. Ian is an active participant with Delaware Soccer Club and Ian and Elise support local soccer in WNY. Ian also partners with the Hardy Mendez Angel Fund which raises scholarships to provide disadvantaged Buffalo youth better educational opportunities. Ian’s favorite activity is spending time outdoors with his family.
At a glance:
• MBA, University of Rochester
• B.S. in finance, Canisius College
• Certified Financial Planner TM (CFP®)
• Qualified Plan Financial Consultant (QPFC)
• Corporate Retirement Director
• Portfolio Manager
• Series 7 and 66 securities licenses
• Life insurance and annuity licenses
Securities Agent: HI, CT, TN, NC, IL, MO, MN, GA, IN, UT, NY, WA, TX, DE, NJ, NH, MI, AZ, CA, SC, VA, PA, NV, MA, CO, WI, OH, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 580057
NMLS#: 580057
About Julius Tamasy
Known for his depth of knowledge and passion for serving others, Julius Tamasy advises a broad range of clients across the United States including high-net-worth individuals, corporations, trusts, medical professionals, business owners, and athletes. He takes deep interest in thoroughly understanding each client’s unique situation, developing a goals-based plan and guiding them towards achieving financial success.
Julius began his career at Citigroup in 2015 where he supported the Institutional Clients Group covering Over-The-Counter (OTC) Equity Derivatives sales and trading desks across North America. A year later his passion for working with individuals led him to Merrill Lynch where he launched his wealth management career. In 2022, he joined Morgan Stanley as a Vice President where he now serves his clients. As a designated Portfolio Manager, Julius helps clients pursue their investment objectives by managing portfolios on a discretionary basis. For qualifying clients, he also uses Alternative Investments such as Private Equity, Private Credit, Hedge Fund, and Non-Traded Real Estate strategies.
Julius holds a B.S. in Finance and Economics from Nazareth College in Rochester, New York where he was named captain of their NCAA Ice Hockey team and named to the ECAC All-Academic team. He holds both Series 7 and 66 securities licenses, allowing him to manage his clients’ portfolios on a fiduciary or brokerage basis, and holds his Life Insurance and NMLS registrations.
Julius is involved in his community serving on the Buffalo Club Admissions Committee and contributes to Nazareth College Alumni initiatives. He maintains an active lifestyle by cycling, playing hockey and golf, and enjoys spending time with his family in Minnesota.
Julius began his career at Citigroup in 2015 where he supported the Institutional Clients Group covering Over-The-Counter (OTC) Equity Derivatives sales and trading desks across North America. A year later his passion for working with individuals led him to Merrill Lynch where he launched his wealth management career. In 2022, he joined Morgan Stanley as a Vice President where he now serves his clients. As a designated Portfolio Manager, Julius helps clients pursue their investment objectives by managing portfolios on a discretionary basis. For qualifying clients, he also uses Alternative Investments such as Private Equity, Private Credit, Hedge Fund, and Non-Traded Real Estate strategies.
Julius holds a B.S. in Finance and Economics from Nazareth College in Rochester, New York where he was named captain of their NCAA Ice Hockey team and named to the ECAC All-Academic team. He holds both Series 7 and 66 securities licenses, allowing him to manage his clients’ portfolios on a fiduciary or brokerage basis, and holds his Life Insurance and NMLS registrations.
Julius is involved in his community serving on the Buffalo Club Admissions Committee and contributes to Nazareth College Alumni initiatives. He maintains an active lifestyle by cycling, playing hockey and golf, and enjoys spending time with his family in Minnesota.
Securities Agent: OH, NC, MA, VA, AZ, PA, NY, NV, HI, WA, WI, NH, MO, IL, TN, MI, NJ, IN, FL, CT, CO, CA, UT, DE, GA, TX, SC, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 1572628
NMLS#: 1572628
About Ryan Miller
Ryan joined Morgan Stanley as a member of the DeLuke Tamasy Group in April 2024. Ryan has always had a deep interest in supporting the well-being of others and the ability to connect with our clients and help ensure their needs are being met is highly satisfying to him.
In preparation for his career, Ryan graduated from the State University of New York at Buffalo with a Bachelor of Science degree in Business Administration with a focus in Finance. Ryan was an active member of his schools community, serving as one of the captains on the universities club golf team and was a member of the School of Management’s leadership development program.
As a native of Buffalo, NY, Ryan likes to give back to the community, playing annually in charity hockey games. Outside of work, Ryan enjoys playing hockey and golf with friends and family.
In preparation for his career, Ryan graduated from the State University of New York at Buffalo with a Bachelor of Science degree in Business Administration with a focus in Finance. Ryan was an active member of his schools community, serving as one of the captains on the universities club golf team and was a member of the School of Management’s leadership development program.
As a native of Buffalo, NY, Ryan likes to give back to the community, playing annually in charity hockey games. Outside of work, Ryan enjoys playing hockey and golf with friends and family.
Contact Ian DeLuke
Contact Julius Tamasy
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
Evan J. Patterson
Private Banker
Lisa R. Griffin, CFP®
Financial Planning Director, Vice President
Charles Cox, CFP®
Financial Planning Director, Vice President
About Evan J. Patterson
Evan Patterson is a Private Banker serving Morgan Stanley Wealth Management offices in Rhode Island, Massachusetts and New York.
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.
Evan began his career in financial services in 1999. Prior to relocating to the Northeast, he served as a Private Banker in the Tampa Bay area. Before joining Morgan Stanley in 2010, Evan spent 10 years in high net worth lending at Merrill Lynch supporting teams in New York City, Los Angeles, and Jacksonville. He began his career as a Securities Based Lending Officer before rising within the firm, holding several other positions including Priority Loan Officer, Associate Mortgage and Credit Specialist, Consumer Finance Specialist and Banking and Liquidity specialist.
Evan is a graduate of the University of Florida, where he received a Bachelor of Science in Business Administration with concentration in Finance. He lives in East Greenwich, Rhode Island with his family. Outside of the office, Evan enjoys painting, watching cinema, reading books, and listening to vinyl records.
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.
Evan began his career in financial services in 1999. Prior to relocating to the Northeast, he served as a Private Banker in the Tampa Bay area. Before joining Morgan Stanley in 2010, Evan spent 10 years in high net worth lending at Merrill Lynch supporting teams in New York City, Los Angeles, and Jacksonville. He began his career as a Securities Based Lending Officer before rising within the firm, holding several other positions including Priority Loan Officer, Associate Mortgage and Credit Specialist, Consumer Finance Specialist and Banking and Liquidity specialist.
Evan is a graduate of the University of Florida, where he received a Bachelor of Science in Business Administration with concentration in Finance. He lives in East Greenwich, Rhode Island with his family. Outside of the office, Evan enjoys painting, watching cinema, reading books, and listening to vinyl records.
NMLS#: 800467
About Lisa R. Griffin
Lisa R. Griffin, CFP® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Western New York. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Lisa began her career in Financial Services in 2007 and joined Morgan Stanley in 2021. Prior to her current position, she worked at multiple Financial Services firms in Boston, MA including JP Morgan Securities. In 2014 she relocated to Western New York to build a Financial Planning department with a local firm.
Lisa graduated from Bentley University with a Master of Science in Financial Planning and holds her Certified Financial Planner® designation. She lives in Rochester with her family, including 2 sons and a rescue dog, Jack. Outside of work, Lisa enjoys vacationing with her family, competitive running, and fundraising for the National Brain Tumor Society.
Lisa began her career in Financial Services in 2007 and joined Morgan Stanley in 2021. Prior to her current position, she worked at multiple Financial Services firms in Boston, MA including JP Morgan Securities. In 2014 she relocated to Western New York to build a Financial Planning department with a local firm.
Lisa graduated from Bentley University with a Master of Science in Financial Planning and holds her Certified Financial Planner® designation. She lives in Rochester with her family, including 2 sons and a rescue dog, Jack. Outside of work, Lisa enjoys vacationing with her family, competitive running, and fundraising for the National Brain Tumor Society.
About Charles Cox
Charles G. Cox, CFP® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Western New York. He is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Charles began his career in financial services in 2010, and joined Morgan Stanley in 2022. Prior to his current position, he worked for a national bank with trust powers in a variety of roles. Most recently he was providing financial planning to bank’s high-net worth clients.
Charles graduated from University at Albany with a Bachelors of Arts in Economics and holds his Certified Financial Planner® designation. Charles lives in Rochester, NY with his wife Cristina. Outside of work, Charles enjoys spending time outdoors and cooking.
Charles began his career in financial services in 2010, and joined Morgan Stanley in 2022. Prior to his current position, he worked for a national bank with trust powers in a variety of roles. Most recently he was providing financial planning to bank’s high-net worth clients.
Charles graduated from University at Albany with a Bachelors of Arts in Economics and holds his Certified Financial Planner® designation. Charles lives in Rochester, NY with his wife Cristina. Outside of work, Charles enjoys spending time outdoors and cooking.
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
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- Traditional Investments
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- Impact Investing
Tax-Smart Ways to Sell Securities
How investors can tap their portfolios in tax-savvy ways.
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
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
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- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley 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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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.
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.
6Morgan 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.
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 does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
9Morgan 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.
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 and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
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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.
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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 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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
3Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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.
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.
6Morgan 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.
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 does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
9Morgan 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.
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 and other legal matters.
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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.
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Awards Disclosures
CRC 6491812 (04/2024)