Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(781) 681-4922(781) 681-4922
The Dubeau Group at Morgan Stanley
Direct:
(781) 681-4922(781) 681-4922
Toll-Free:
(800) 326-5951(800) 326-5951
Our Mission Statement
Helping plan for the future you envision by understanding The Whole You.
The Whole You - Our Approach
The financial world grows faster and more complex. Advances in technology are entering every facet of our lives. Longer life expectancies are changing the retirement landscape. And each financial choice that you make holds the potential to influence the next, and perhaps your future. So careful financial planning and discipline become even more important towards helping you make the best financial choices. As a Financial Advisor, my role is to help you develop a plan that lays out a clear path to the future you envision.
For this reason, The Dubeau Group is committed to getting to know “the Whole You”. We recognize that You are unique – what works for others may not work for You. So, we follow a financial planning process that starts with developing an understanding of You - your family – your values – your dreams – your worries – your assets – your experience. This approach towards “The Whole You” combined with disciplined analysis and experience leads us to a tailored plan that You will have confidence in.
For this reason, The Dubeau Group is committed to getting to know “the Whole You”. We recognize that You are unique – what works for others may not work for You. So, we follow a financial planning process that starts with developing an understanding of You - your family – your values – your dreams – your worries – your assets – your experience. This approach towards “The Whole You” combined with disciplined analysis and experience leads us to a tailored plan that You will have confidence in.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Certifications and Designations
CERTIFIED FINANCIAL PLANNER™(CFP®)
CERTIFIED FINANCIAL PLANNER™ is a formal license that recognizes expertise in the areas of financial planning, taxes, insurance, estate planning, and retirement. CFP® professionals are held to a strict fiduciary and ethical standard. Financial Planning is a dynamic process and as such your goals, lifestyle, and circumstances are ever-changing and you should feel confident that as a CFP® I am committed to providing the highest level of financial planning.
Charted Retirement Planning Specialist (CRPS®)
Charted Retirement Planning Specialist is a designation offered to financial professionals who wish to implement and manage retirement plans for businesses. The CRPS focuses on wholesale and business clients. This designation enables individuals to utilize a wide range of retirement plans such as SEP and SIMPLE IRAs, 401(k) and more to match their desired retirement outcomes.
Senior Portfolio Management Director
Portfolio Managers work closely with their clients to understand their goals while maintaining the focus and control necessary to guide your portfolio in the most challenging market cycles. A disciplined process underpins the program and helps to develop a long-term perspective about building and managing wealth.
Insurance and Lending Licenses
A sound wealth plan involves more than just seeking returns. Insurance can be an effective way of mitigating and managing risk to help you protect your assets and pass on more to your family. In addition to investing, smart use of borrowing can help provide funding for personal, business or real estate needs- potentially without selling your investments. Incorporating securities-based loans into your financial plan can offer quick access to funds and flexible financing options, while home loans can help you and your family identify the right home financing solution.
Working With You
Everyone can achieve the retirement of their dreams….with a plan. Thorough, thoughtful financial planning that assesses where you are as well as where you are going is an essential step towards achieving your goals. Our conversations begin and end with the Whole You. We will ask you thought provoking questions and actively listen. And by “looking under the hood” in a systematic way, it is not uncommon that we uncover a gap that you might not have been aware of.
Here are some specific examples of how we guide clients.
Here are some specific examples of how we guide clients.
Retirement Mistakes to Avoid
How you plan your finances in retirement may be just as important as the process of saving for retirement. Here are some key considerations.
Post-Retirement Success
Pre-Retirement Checklist
... now that you've seen the mistakes to avoid, here is a handy checklist to help you cover all the bases.
Read it Here!
Tax-Smart Strategies for Your Retirement
Looking for ideas on how to be more tax efficient when planning for your retirement?
Check Them Out Here
Small Business Retirement Solutions
Cash balance plans can be appealing to doctors, lawyers,
entrepreneurs, or any small business with a limited number of non-targeted high earners.
Learn more Hereentrepreneurs, or any small business with a limited number of non-targeted high earners.
Planning For The Rising Costs of Healthcare
Health care costs are rising—especially for retirees, and many will need long-term care. Learn the moves you can make to help prepare yourself.
Preparing For Higher Costs
1031 Exchanges
If you own a commercial property and have, or are considering, selling it, you may want to read this piece from Morgan Stanley.
Read MoreA sudden wealth windfall can change your life in more ways than one. Morgan Stanley offers comprehensive services designed to make the transition to your new lifestyle as seamless as possible.
Read on below to learn how my clients can benefit from the enhanced capabilities our firm offers.
Read on below to learn how my clients can benefit from the enhanced capabilities our firm offers.
Signature Lifestyle Advisory Services
Signature Service has its perks and you have earned them. Enhance your lifestyle with access to travel and concierge services, art/aircraft/yacht advisory, and health and security advice. Click below to learn more.
Read the Fact Sheet
Family Governance & Wealth Education
Sometimes just talking about newfound wealth can be a pain point for families. Parents want their children to appreciate the value of their own hard work, as well as the hard work of previous generations and the wealth they have created. Establishing family governance guidelines and educating the inheritors-to-be can go a long way in making sure generational wealth remains generational.
Our Educational Offerings
Tax, Trust and Estate Planning
The needs of a High Net Worth family can be summed up in one word: idiosyncratic. Every situation is different, so having an experienced team that can effectively align all aspects of your financial life to your True North is invaluable.
Learn How We Leverage Our Network to Service You
Philanthropy Management
You can’t spend it all. We can offer insight and support to help your family scale the impact of your altruistic goals.
How We Help You Give Back
Tax Planning Referral Network
High Net Worth families often need custom solutions for unique tax needs. We can connect you to experienced tax planning professionals at leading US-based providers.
Learn More
Art Resources Team
When it comes to wealth management and art, Morgan Stanley’s Art Resources Team (ART) is poised to create customized strategies and offer solutions that help address the unique challenges of art as an asset. From curating internal and external resources to consulting with collectors to help them with structural, investment, and lifestyle decisions, ART creates bespoke solutions for every client and collection.
Learn MoreNeed help?
If you are having trouble utilizing the modern wealth management tools at our disposal or just want to learn more about their capabilities, check these guides out.
You can also find the Millennial's Guide to Money and other useful content below.
You can also find the Millennial's Guide to Money and other useful content below.
Digital Capabilities
Did you recently make the move to Morgan Stanley or have wondered what we can do for you with our digital tools?
Click Here to Learn More
Morgan Stanley Online
Get on the road to success by signing up for MSO and learn how you can access all your banking needs in one place.
Register Here
eAuthorizations
Did you know you can approve transactions online securely? Make life simpler by using this tool.
Learn More
Digital Vault
Keep everything important to you in one safe and easily accessible spot in the Digital Vault through MSO.
Learn More
Total Wealth View
By uploading your financial data from outside Morgan Stanley, we can help you see a more complete picture and assess risk like nobody else can. In conjunction with the Aladdin Portfolio Risk Platform, your advisor can manage your complete picture in one simple location.
Learn More
Millennial's Guide to Money
Young adults and their parents alike will find this useful guide to managing money early on. Avoid common pitfalls and set yourself (or your loved ones) up for success by clicking the link below.
The Millennial Playbook
Cybersecurity
Hackers lurk the internet looking for a way into your finances. Learn how Morgan Stanley is combating these threats and more in our webinar series.
View it HereLocation
141 Longwater Drive
Ste 102
Norwell, MA 02061
US
Direct:
(781) 681-4922(781) 681-4922
Toll-Free:
(800) 326-5951(800) 326-5951
Meet The Dubeau Group
Francisco Munoz
Financial Advisor
Phone:
(781) 681-4919(781) 681-4919
Denise Comeau
Portfolio Associate
Phone:
(781) 681-4947(781) 681-4947
About Daniel J. Dubeau
Dan is a Financial Advisor and founding member of The Dubeau Group at Morgan Stanley and possesses over 25 years of experience in the financial services industry. Dan approaches each client relationship in a collaborative way centered on a foundational financial planning approach he calls The Whole You. It begins with a thoughtful discovery process in which he explores every aspect of the client’s financial life: assets, liabilities, insurance, personal finance, estate planning and, most importantly, goals and dreams. After a thorough analysis using cutting edge proprietary tools available only through Morgan Stanley, Dan guides the client by interpreting the results, identifying the potential impact of various courses of action, and providing customized recommendations. Dan believes strongly in his fiduciary responsibilities and for that reason studied for and earned the highly regarded CERTIFIED FINANCIAL PLANNER™ designation, which he uses regularly to serve his clients.
Dan offers consultative advice on retirement planning, tax efficient investing, ESG investing, liability management, insurance, and qualified retirement plans for small businesses. He is a firm designated Portfolio Management Director, earned through rigorous training and audit oversight. He is also a Chartered Retirement Plans Specialist ® which helps him advise on retirement plan implementation and plan participant education to assist business owners in meeting their fiduciary responsibilities.
Dan received his Bachelor of Science in Business Administration as an ROTC graduate of Bryant University, and served in the United States Army as a commissioned officer for seven years. Dan is a veteran of the 1991 Persian Gulf Campaign and was a recipient of the Southwest Asia Service Medal, Army Commendation Medal, and the Humanitarian Service Medal, having served in a Commanding Officer role. While in the service, Dan’s values of integrity, hard work, and discipline were reinforced.
Prior to joining Morgan Stanley, Dan managed multiple private client branches for JPMorgan Chase.
Dan and his wife, Monica, have two daughters and live in Cohasset, MA. They enjoy family time, cooking, golf, and traveling.
Dan offers consultative advice on retirement planning, tax efficient investing, ESG investing, liability management, insurance, and qualified retirement plans for small businesses. He is a firm designated Portfolio Management Director, earned through rigorous training and audit oversight. He is also a Chartered Retirement Plans Specialist ® which helps him advise on retirement plan implementation and plan participant education to assist business owners in meeting their fiduciary responsibilities.
Dan received his Bachelor of Science in Business Administration as an ROTC graduate of Bryant University, and served in the United States Army as a commissioned officer for seven years. Dan is a veteran of the 1991 Persian Gulf Campaign and was a recipient of the Southwest Asia Service Medal, Army Commendation Medal, and the Humanitarian Service Medal, having served in a Commanding Officer role. While in the service, Dan’s values of integrity, hard work, and discipline were reinforced.
Prior to joining Morgan Stanley, Dan managed multiple private client branches for JPMorgan Chase.
Dan and his wife, Monica, have two daughters and live in Cohasset, MA. They enjoy family time, cooking, golf, and traveling.
Securities Agent: NY, ME, WA, CO, PA, FL, VT, NV, NJ, NC, IN, IL, CT, OH, MA, SC, MO, TX, NM, NH, GA, CA, RI; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 887794
NMLS#: 887794
About Francisco Munoz
Francisco Munoz joined The Dubeau Group at Morgan Stanley as a Financial Advisor in August, 2022. He possesses over 15 years of experience in the financial services industry, assisting high net worth families in the areas of financial planning, investment management, lending, and personal finance. Prior to joining The Dubeau Group, Francisco provided service to ultra-high net worth families at Clarfeld, Citizens Private Wealth group.
Francisco considers his primary focus to be relationship building. He takes the time to listen and truly understand the client’s individual needs and believes that helping a client achieve their objectives demands a customized approach. Throughout his career, Francisco has guided clients to achieve a healthy retirement, advised families on generational wealth solutions, and tailored lending and investment services, building long lasting relationships along the way.
Francisco’s primary responsibilities include client servicing, financial planning, business development, and financial advice.
Originally from Santiago, Chile, Francisco earned his degree in Commercial Engineering and is fluent in Spanish. He currently resides on the South Shore with his wife and children. He enjoys playing golf and pickleball every chance he gets.
Francisco considers his primary focus to be relationship building. He takes the time to listen and truly understand the client’s individual needs and believes that helping a client achieve their objectives demands a customized approach. Throughout his career, Francisco has guided clients to achieve a healthy retirement, advised families on generational wealth solutions, and tailored lending and investment services, building long lasting relationships along the way.
Francisco’s primary responsibilities include client servicing, financial planning, business development, and financial advice.
Originally from Santiago, Chile, Francisco earned his degree in Commercial Engineering and is fluent in Spanish. He currently resides on the South Shore with his wife and children. He enjoys playing golf and pickleball every chance he gets.
Securities Agent: RI, IN, OH, NJ, MA, GA, NV, SC, PA, NY, NH, MI, TN, VT, NC, CO, MO, IL, CT, ME, FL, CA, TX; General Securities Representative; Investment Advisor Representative
About Denise Comeau
Denise started her career at Morgan Stanley in 2010, as a Client Service Associate. Through the course of her career, she obtained the Series 7 Securities and Series 66 Uniformed Combined State Law licenses, resulting in steady increased responsibility along the way. Denise considers her primary focus to be the delivery of exceptional client service and she enjoys getting to know her clients and building relationships. Her responsibilities with the Dubeau Group include account and practice administration, client service, client onboarding, distribution management and account maintenance, to name a few. Denise joined the Dubeau Group in October, 2024 and has quickly become a vital member of the team.
Contact Daniel J. Dubeau
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
Article Image
Ready to start a conversation? Contact The Dubeau 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.
1Alternative 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.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
5Morgan 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7When 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.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Alternative 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.
2Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
3Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
4When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
5Morgan 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7When 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.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
