Scott Bigham, CFP®
Senior Vice President, Financial Advisor, Senior Portfolio Management Director, Financial Planning Specialist
Phone:
(503) 588-5726(503) 588-5726
The Diamond Peak Group at Morgan Stanley
Direct:
(503) 588-5705(503) 588-5705
Toll-Free:
(800) 824-0995(800) 824-0995
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals and achieve confidence regarding your wealth management.
Our Story and Services
Together, our team has a combined experience of over 80 years in the financial services industry. Whether it is the 1998 Asian Currency Crisis, the 2000 Technology Bubble, the 2008 Great Recession or the 2020 COVID-19 Recession, our team has experienced it and helped guide our clients to their goals despite the status of the market.
Each member of our team has professional designations that we gained to increase our knowledge base to better assist our clients. Each of us holds the titles of either CFP® or QPFC, which shows we demonstrate the key knowledge and competency to provide comprehensive personal financial planning advice to our clients. Such designations are earned and not given. We have gone through extensive training, passed the required exams and engage in continual education to keep these titles.
Being that we are not only financial advisors and planners, but also portfolio managers, we have over $900 million of assets under management and over $300 million within our Portfolio Management platform, as of January 2025.
We offer the highest quality of service with our professional and dedicated Client Service Associates, Martha Cracolice, and Tony Pimentel, who are instrumental in keeping our clients happy and cared for. We are truly dedicated to our clients and treat them as our number one priority. Whatever recommendations we have or advice we give to our clients, it comes from us and is backed by our own research; no cookie cutter.
Each member of our team has professional designations that we gained to increase our knowledge base to better assist our clients. Each of us holds the titles of either CFP® or QPFC, which shows we demonstrate the key knowledge and competency to provide comprehensive personal financial planning advice to our clients. Such designations are earned and not given. We have gone through extensive training, passed the required exams and engage in continual education to keep these titles.
Being that we are not only financial advisors and planners, but also portfolio managers, we have over $900 million of assets under management and over $300 million within our Portfolio Management platform, as of January 2025.
We offer the highest quality of service with our professional and dedicated Client Service Associates, Martha Cracolice, and Tony Pimentel, who are instrumental in keeping our clients happy and cared for. We are truly dedicated to our clients and treat them as our number one priority. Whatever recommendations we have or advice we give to our clients, it comes from us and is backed by our own research; no cookie cutter.
Services Include
- Wealth ManagementFootnote1
- Professional Portfolio ManagementFootnote2
- 401(k) Rollovers
- Retirement PlanningFootnote3
- Financial PlanningFootnote4
- Estate Planning StrategiesFootnote5
- Planning for Education FundingFootnote6
- Cash Management and Lending ProductsFootnote7
- Life InsuranceFootnote8
- AnnuitiesFootnote9
- Business PlanningFootnote10
- Asset Management
- Business Succession PlanningFootnote11
- Certificates of DepositFootnote12
- Exchange Traded FundsFootnote13
- Long-term Care InsuranceFootnote14
- Municipal BondsFootnote15
- Philanthropic ManagementFootnote16
- Qualified Retirement PlansFootnote17
- Trust AccountsFootnote18
- Trust ServicesFootnote19
- Wealth PlanningFootnote20
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Retirement Planning
Retirement Planning is a core component of wealth management. Certain steps should be taken to prepare for a wide range of future costs such as living expenses, travel costs, and education funding. We can assist clients with this planning by quantifying financial needs, creating an action plan, and tracking plan progress. Creating a retirement plan is one of those significant life events. We offer retirement advice with the aim to keep you on track and consistent with your goals.
Planning Your Goals
Spending and Budgeting
One way to manage savings is by using Morgan Stanley’s Spending and Budgeting tool. These tools help advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
Build the Best Budget for You
Insurance Planning and Long-Term Care
The right insurance products can help protect assets, family, and legacy. Morgan Stanley offers a variety of insurance products: life, disability income, and long term care in conjunction with its licensed insurance agency affiliates.
How Insurance Can Help with Retirement Planning
Tax Management
Taxes are a crucial part of the planning conversation and can potentially represent a large outflow from a client’s portfolio each year. Morgan Stanley offers tax strategies that can help us prepare a client to manage tax liabilities and preserve their wealth.
The Tax-Smart Portfolio
Estate Planning Strategies
Well-constructed estate plans help to mitigate substantial tax and legal burdens, time delays in settlements, and in some cases, family conflicts. It is important to pre-emptively create and review an estate plan with an estate planning attorney during major life events such as a marriage, divorce, or new births. Changes in both federal and state tax laws can also have lasting effects on estate planning as well. If you don’t know where to begin, we will work with your estate attorney to create an estate plan to align with your goals.
Estate Planning Brochure
Philanthropic Management
A holistic estate plan can help clients plan for the future by getting a better overall sense of their potential estate value. Advisors help clients by analyzing the impact of different strategies surrounding the ownership of assets, philanthropy, and the implementation of trusts.
How to Give to CharityWhat You Can Expect From Us
• We’ll learn what’s important to you.
• We’ll create a roadmap for your wealth based on your comprehensive goals.
• We’ll help develop an investment plan within your comprehensive goals.
• We’ll work with your other professional advisors (attorney, accountant, etc.) so that we are communicating in your best interest.
• We’ll maintain regular contact with you: to update you on your portfolio and the financial markets; to provide you with continuing education; and to keep up to date with your life and circumstances.
• We’ll always be objective and transparent.
• We’ll combine our knowledge and experience with other specialists, when necessary, to help solve your problems and meet your goals.
• We’ll work with your estate attorney to develop an estate plan. We’ll work with you to create a retirement plan within your comprehensive goals.
Disclaimer:
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
• We’ll create a roadmap for your wealth based on your comprehensive goals.
• We’ll help develop an investment plan within your comprehensive goals.
• We’ll work with your other professional advisors (attorney, accountant, etc.) so that we are communicating in your best interest.
• We’ll maintain regular contact with you: to update you on your portfolio and the financial markets; to provide you with continuing education; and to keep up to date with your life and circumstances.
• We’ll always be objective and transparent.
• We’ll combine our knowledge and experience with other specialists, when necessary, to help solve your problems and meet your goals.
• We’ll work with your estate attorney to develop an estate plan. We’ll work with you to create a retirement plan within your comprehensive goals.
Disclaimer:
The individuals mentioned as the Portfolio Management Team are Financial Advisors with Morgan Stanley participating in the Morgan Stanley Portfolio Management program. The Portfolio Management program is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. The Portfolio Management program is described in the applicable Morgan Stanley ADV Part 2, available at www.morganstanley.com/ADV or from your Financial Advisor.
Our Suite of Digital Tools
Digital technology is centered on how people communicate, consume, transact and travel. Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients and how to navigate them.
Total Wealth View
We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
Total Wealth View Client GuideThe ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery. Currently, documents available through eDelivery include statements, trade confirmations and prospectuses, general correspondence, selected Internal Revenue Service (IRS) approved tax documents, syndicate offerings, shareholder communications, and portfolio reports.
eDelivery Client Guide
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 catastrophe or serious illness, disability or death, your Family Records Organizer can immediately provide vital, timely information to both your family and professional advisors. The Digital Vault on Morgan Stanley Online and the Mobile App allows you and your clients to build a central, shared document library where all documents are stored using encryption.
Digital Vault Client Guide
Zelle
Send Money with Zelle is a fast, easy way to send funds to family and friends in minutes using their email address or U.S. mobile phone number right from your mobile app or desktop.
Zelle Client Guide
Third-Party User
On Morgan Stanley Online, you have the ability to provide a third-party user — for example, accountants or attorneys — access to see your account information and download relevant account documents. While third-party users can have access to the accounts you specify, they cannot perform transactions like trading, transferring money or paying bills.
Third-Party User Client Guide
eSign via Docusign
To use eSign, all you need is a valid email address and phone number. The personal identification number (PIN) can be delivered via phone call or via text message. Here are the steps to complete the signing process.
eSign via Docusign Client Guide
eAuthorizations
eAuthorizations allows you to approve transactions electronically and securely on Morgan Stanley Online and the Morgan Stanley Mobile App.
eAuthorizations Client Guide
MFA Verification
Multi-Factor Authentication (MFA) allows you to add additional verification —beyond your username and password — to confirm your identity and protect access to your accounts. MFA helps safeguard your accounts in the event that your username and password are compromised.
MFA Verification Client Guide
MSO
Seamlessly and securely manage your investments and everyday finances in one place.
MSO Registration Client Guide
MSO Preapproval Fact Sheet
Realtors may request a preapproval letter from buyers before making an offer on a home. As a Morgan Stanley client, you may request such a letter using MSO.
Preapproval Client GuideOutlooks & Updates
Here at The Diamond Peak Group, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We are firm believers of giving our clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
Global Investment Committee Weekly Research Report
The Global Investment Committee's Weekly Report provides an in depth look at markets, asset class performance and fixed income on a weekly basis.
GIC WeeklyGlobal Investment Committee on the Markets Monthly Report
A monthly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out the latest edition below:
GIC on the MarketsThoughts on the Markets
Each week, Mike Wilson, Chief U.S. Equity Strategist & Chief Investment Officer, offers his perspective on the forces shaping the markets and how to separate the signal from the noise. Listen to his most recent episode and check out those of his colleagues from across Morgan Stanley Research.
Listen to the Latest Episode HereLocation
4285 SE Commercial Street
Suite 200
Salem, OR 97302
US
Direct:
(503) 588-5705(503) 588-5705
Toll-Free:
(800) 824-0995(800) 824-0995
Fax:
(503) 581-6123(503) 581-6123
Meet The Diamond Peak Group
John Sipple, CFP®
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(503) 588-5705(503) 588-5705
Cade Goff, QPFC
Financial Advisor, Financial Planning Specialist
Phone:
(503) 588-5714(503) 588-5714
Jeremiah James, MBA, QPFC
Financial Advisor, Financial Planning Specialist
Martha Cracolice, Portfolio Associate
Phone:
(503) 588-5712(503) 588-5712
Anthony Pimentel, Portfolio Associate
Phone:
(503) 588-5717(503) 588-5717
About Scott Bigham
Scott Bigham is a Senior Vice President, Senior Portfolio Management Director, Financial Advisor, and CERTIFIED FINANCIAL PLANNER™. He has spent his entire wealth management career with Morgan Stanley and its predecessor firms. Scott started in the financial advisory business in 1992 after playing three years of professional baseball in the minor league system of the San Diego Padres, followed by his time as an accountant with KPMG Peat Marwick. He has a Bachelor of Arts degree from Willamette University.
As a financial advisor, developing personal relationships is one of Scott’s greatest gratifications. He enjoys having conversations with his clients, discussing their passions, values, and finances. Providing education, advice and opinions, with a personal touch, is a source of personal and professional pride.
Scott relies on his accounting background and collegiate studies in Business Economics when analyzing his clients’ financial situations. He is dedicated to thoroughly understanding each client’s financial position, long and short-term goals, and strategies for managing risk. He uses this information, along with modern wealth management analytics and risk management tools to formulate customized strategies.
Communicating is a key component of Scott’s practice. His ability to use analogies, explain things in clear terms and simplify complex concepts helps his clients to be comfortable with his approach. This is essential for developing long term relationships built on trust which is always a priority for Scott.
Scott’s grandfather often encouraged him to look at the wealth management industry as a career. Furthermore, an invitation from a collegiate baseball teammate led Scott to enter the business back in November of 1992.
Giving back to the community is important to Scott and is something very meaningful to him. He is a long standing member of the Salem Area Chamber of Commerce and has served on their board of directors, is a former board member and board president of Salem Leadership Foundation and is a current member of their advisory board. Scott is also a longtime member of Salem First Christian Church.
Scott currently lives in West Salem which is about 200 miles north of where he grew up, in the small town of Rogue River in southern Oregon. He and his wife Robin have been married since 2000 and they have two daughters, Kennedy and Ashlyn. Kennedy is a graduate of Texas Christian University and Ashlyn attends Montana State University. Scott enjoys spending time with his family, visiting extended family, coaching, watching and playing sports, hiking, fishing, bicycling, golfing and exercising.
As a financial advisor, developing personal relationships is one of Scott’s greatest gratifications. He enjoys having conversations with his clients, discussing their passions, values, and finances. Providing education, advice and opinions, with a personal touch, is a source of personal and professional pride.
Scott relies on his accounting background and collegiate studies in Business Economics when analyzing his clients’ financial situations. He is dedicated to thoroughly understanding each client’s financial position, long and short-term goals, and strategies for managing risk. He uses this information, along with modern wealth management analytics and risk management tools to formulate customized strategies.
Communicating is a key component of Scott’s practice. His ability to use analogies, explain things in clear terms and simplify complex concepts helps his clients to be comfortable with his approach. This is essential for developing long term relationships built on trust which is always a priority for Scott.
Scott’s grandfather often encouraged him to look at the wealth management industry as a career. Furthermore, an invitation from a collegiate baseball teammate led Scott to enter the business back in November of 1992.
Giving back to the community is important to Scott and is something very meaningful to him. He is a long standing member of the Salem Area Chamber of Commerce and has served on their board of directors, is a former board member and board president of Salem Leadership Foundation and is a current member of their advisory board. Scott is also a longtime member of Salem First Christian Church.
Scott currently lives in West Salem which is about 200 miles north of where he grew up, in the small town of Rogue River in southern Oregon. He and his wife Robin have been married since 2000 and they have two daughters, Kennedy and Ashlyn. Kennedy is a graduate of Texas Christian University and Ashlyn attends Montana State University. Scott enjoys spending time with his family, visiting extended family, coaching, watching and playing sports, hiking, fishing, bicycling, golfing and exercising.
Securities Agent: NM, CO, VA, NJ, DE, CA, OK, NY, MD, SC, MI, VI, MS, UT, PA, KY, WA, TX, OH, NC, HI, AR, GA, MT, IA, FL, AK, NV, TN, OR, NH, MO, MA, IL, AZ, ID; General Securities Representative; Investment Advisor Representative
NMLS#: 1274637
CA Insurance License #: 0F72023
NMLS#: 1274637
CA Insurance License #: 0F72023
About John Sipple
John Sipple is a Senior Vice President, Financial Advisor and Portfolio Management Director of the Diamond Peak Group at Morgan Stanley. He has over 20 years of financial services experience, holds a Certified Financial Planner designation, and has been with the firm since 2008. John played professional baseball for the Texas Rangers before starting his career in finance.
John sincerely enjoys helping people, and takes pride in having a meaningful impact on their lives. He was introduced to the industry by a great aunt at an early age and he has been attracted to it ever since. Her description of how much of a positive influence advisors can have with people was a big motivating factor.
He draws upon his prior experience in insurance and professional baseball to help his clients navigate their financial future. His background in insurance helps considerably with financial planning. As a former professional baseball player, he developed a disciplined work ethic, the ability to overcome setbacks, and how to be a team player.
John uses a holistic planning based approach in helping clients. He spends a great deal of time in developing a complete understanding of their financial situation, values and objectives. By using the team’s sophisticated risk management system, he is able to deliver individualized solutions for his client’s needs which ultimately allows them to achieve increased financial confidence.
After pitching for the Texas Rangers, John worked in insurance for 8 years. In 1999, he started his career in wealth management at Merrill Lynch and then joined Morgan Stanley’s predecessor firm, Smith Barney in 2008. He received a BS degree in Business and Finance from Oregon State University.
John sincerely enjoys helping people, and takes pride in having a meaningful impact on their lives. He was introduced to the industry by a great aunt at an early age and he has been attracted to it ever since. Her description of how much of a positive influence advisors can have with people was a big motivating factor.
He draws upon his prior experience in insurance and professional baseball to help his clients navigate their financial future. His background in insurance helps considerably with financial planning. As a former professional baseball player, he developed a disciplined work ethic, the ability to overcome setbacks, and how to be a team player.
John uses a holistic planning based approach in helping clients. He spends a great deal of time in developing a complete understanding of their financial situation, values and objectives. By using the team’s sophisticated risk management system, he is able to deliver individualized solutions for his client’s needs which ultimately allows them to achieve increased financial confidence.
After pitching for the Texas Rangers, John worked in insurance for 8 years. In 1999, he started his career in wealth management at Merrill Lynch and then joined Morgan Stanley’s predecessor firm, Smith Barney in 2008. He received a BS degree in Business and Finance from Oregon State University.
Securities Agent: OH, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY, OK, NH, NE, ND, NC, MT, MS, MO, MN, MI, ME, MD, MA, LA, KY, KS, IN, IL, ID, IA, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AR, AL, AK, NJ, NM, NV, NY; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1261821
CA Insurance License #: 0C98822
NMLS#: 1261821
CA Insurance License #: 0C98822
About Cade Goff
Cade was born and raised in the Salem-Keizer area. Cade graduated Summa Cum Laude from Oregon State in 2020 with a degree in finance. Cade started his career at Merrill Lynch in 2020. In 2021 he joined the Diamond Peak Group at Morgan Stanley. Cade married his wife, Taryn, in 2023. He enjoys any competitive activity, but basketball and pickleball top the list. Cade earned his Private Pilot Certificate in 2024.
Securities Agent: OR, DE, AZ, VA, MT, KY, TX, SC, OK, NH, MI, FL, PA, NJ, NC, IL, ID, UT, MA, VI, MS, TN, MD, HI, CT, WA, MO, GA, CO, CA, AR, OH, NM, IA, NY, NV, AK; General Securities Representative; Investment Advisor Representative
NMLS#: 2029073
NMLS#: 2029073
About Jeremiah James, MBA
Securities Agent: MS, AR, OH, MI, CT, NH, TN, DE, MA, IL, HI, VI, TX, OR, MO, FL, CO, CA, AK, SC, OK, NC, KY, ID, WA, VA, UT, NY, NM, MT, IA, AZ, NV, MD, GA, PA, NJ; General Securities Representative; Investment Advisor Representative
NMLS#: 2364095
NMLS#: 2364095
About Martha Cracolice
Martha Cracolice is a Portfolio Associate with the Diamond Peak Group at Morgan Stanley. She has been with Morgan Stanley and its predecessors since 2001 with a brief absence in 2013. Martha has obtained the following insurance licenses: life, health and variable. She also has her Series 7 and 66 licenses which allow her to handle trade executions. She and her colleague, Jessica Rubino share many responsibilities related to client-specific service requests.
She has the distinct pleasure of serving the community in the financial services industry since 1997. Her experience in the financial service industry includes cash management, lending, insurance and investments. Martha strives to provide the best possible client service with a warm smile and a can - do attitude.
Martha grew up in Eugene, Oregon and moved to Salem, Oregon in 1997. Martha enjoys being very active in her church and spending time with friends and family.
She has the distinct pleasure of serving the community in the financial services industry since 1997. Her experience in the financial service industry includes cash management, lending, insurance and investments. Martha strives to provide the best possible client service with a warm smile and a can - do attitude.
Martha grew up in Eugene, Oregon and moved to Salem, Oregon in 1997. Martha enjoys being very active in her church and spending time with friends and family.
About Anthony Pimentel
Tony brings 17 years of experience in the financial services industry to The Diamond Peak Group. He has built a reputation for being efficient, attentive to detail, and effective in organizational skill and care. These qualities have earned him the trust and confidence of Morgan Stanley clients. Tony focuses on client service, client relations, and portfolio analytics. He holds the Series 7 and Series 66 licenses.
Born in Sacramento, Tony moved to the Salem area where he graduated from Sprague High School. After graduation, Tony moved back to Sacramento and later to Huntington Beach. In 2020, Tony returned to Oregon and purchased a home in Dallas. Tony and his wife, Janelle, have two Chihuahuas, Chloe & Que, and four cats, Ziggy, Precious, Olli and Marleaux.
Tony has an adult son and two adult stepsons. Recently, he and Janelle became grandparents and are elated to have their granddaughter nearby. When there is free time, Tony enjoys golfing, fishing, camping, and building things in his shop.
Born in Sacramento, Tony moved to the Salem area where he graduated from Sprague High School. After graduation, Tony moved back to Sacramento and later to Huntington Beach. In 2020, Tony returned to Oregon and purchased a home in Dallas. Tony and his wife, Janelle, have two Chihuahuas, Chloe & Que, and four cats, Ziggy, Precious, Olli and Marleaux.
Tony has an adult son and two adult stepsons. Recently, he and Janelle became grandparents and are elated to have their granddaughter nearby. When there is free time, Tony enjoys golfing, fishing, camping, and building things in his shop.
Contact Scott Bigham
Contact John Sipple
Contact Cade Goff
Contact Jeremiah James, MBA
Wealth Management
From Our Team
Overcoming Your 5 Biggest Retirement Challenges
Wealth Management
Global Investment Office
Portfolio Insights
This is a video content
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
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
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
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
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Diamond Peak Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley 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.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3When 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.
4Morgan 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.
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.
6When 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.
7Morgan 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
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Morgan 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.
11Morgan 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.
12Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
13An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
16Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
17When 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.
18Morgan 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.
19Morgan 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.
20Morgan 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.
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
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.
2Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
3When 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.
4Morgan 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.
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.
6When 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.
7Morgan 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
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Morgan 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.
11Morgan 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.
12Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
13An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
15Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
16Products and services are provided by third party service providers, not Morgan Stanley Smith Barney LLC (“Morgan Stanley”). Morgan Stanley may not receive a referral fee or have any input concerning such products or services. There may be additional service providers for comparative purposes. Please perform a thorough due diligence and make your own independent decision.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
17When 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.
18Morgan 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.
19Morgan 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.
20Morgan 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.
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)
