Brian J Elliott
Senior Vice President, Financial Advisor, Senior Portfolio Manager
Phone:
(203) 786-2185(203) 786-2185
The Elm City Heirloom Group at Morgan Stanley
Our Mission Statement
To preserve, build and bestow your family’s wealth.
Our Story and Services
As your Financial Advisors, we start by helping you define your goals. We then help you reach your goals, keeping in mind three principal objectives: preserving, growing and bestowing your hard-earned wealth. Working with us and Morgan Stanley, you gain access to some of the most seasoned and respected investment professionals. We help make it all work for you.
2025 Forbes Best-In-State Wealth Management Team
- Forbes Best-In-State Wealth Management Teams Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working with You
We aim to design and enact plans that you can easily understand and follow. It all begins with our four-step process.
1. Getting To Know You
Through lengthy conversations, we work to understand what matters to you: Your family, your goals, your fears, and your visions of an ideal future. We especially welcome people grappling with major transitions: Retirements, marriages, divorces, deaths of spouses, promotions at work, or sales of a business.
2. Devising A Strategy
We next examine your financial situation: What you own, what you owe, and what you’d like to have – and what you’d like to leave behind – in the years to come. We often ask to contact your CPA and estate planning attorney in an effort to ensure our recommendations are compatible with previously drawn plans.
3. Planning & Execution
We present to you a comprehensive wealth management plan. This includes strategies designed to help you attain your goals such as: Building wealth, planning for retirement, or leaving money to your family or favorite charities. After you approve this plan, we take the steps needed to set it in motion.
4. Monitor & Review
After we launch your plan, we periodically meet – in person, over the phone or via Zoom – to track its progress. We begin this review with basic questions: Are we on pace to meet your targets? Where – if anywhere – have we fallen short? What changes, small or not-so-small, might we make to help ensure your plan returns to the right track?
Morgan Stanley Online
Your investments and everyday finances are just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
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Total Wealth View
Complete your financial picture with Total Wealth View. By linking your Morgan Stanley account information with accounts held elsewhere, you will have a complete daily snapshot of your personal finances.
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eServices
Send and receive wire transfers, review your monthly statements, and securely store your important documents with our suite of eServices.
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Executor of a Will Checklist
You've been named as your parent's executor. Now what? The document below has helpful information on how to tackle the challenges executor's face.
Executor of a Will Checklist
Tax-Efficient Investing
Tax efficiency and estate tax planning are important to consider as we get older. The document below has helpful information on how to tackle this aspect of planning.
Tax-Efficient Investing
Raising Money-Savy Kids
It's never too early. Seize the opportunity to educate your children and prepare them for financial success. The document below will guide you how to do so.
Talking to Kids About Money: Your Guide
Alternative Investments
Are you interested in learning about alternative investments and unsure of where to start? Check out the fact sheet below to learn more.
Alternative Investments Factsheet
Planning For Your Future
Do you already have a financial plan in place? Do you know how much money you'll need to retire? Not sure where to start? Check out the document below.
Planning For Your FutureMorgan Stanley Research
Morgan Stanley seeks to make complex financial ideas understandable. We want our clients to see what we are doing on their behalf. The links below provide an in-depth analysis on timely topics affecting the worlds of business and finance.
Thoughts On The Market Podcast
Join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues give their perspectives on the forces shaping the markets.
Thoughts On The Market Podcast
Global Investment Committee On the Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on various topics, including global equities, fixed income markets, monetary policy and more.
On The Markets
Morgan Stanley Ideas Podcast
From the use of satellites to solve some of the world's most complex problems, to mitigating group-think when making important decisions, the Morgan Stanley Ideas Podcast brings you revealing stories about the world of business, finance, technology and beyond. Click the link below for more information and to access our podcast library.
Morgan Stanley Ideas Podcast
Global Investment Committee Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
GIC Weekly ReportLocation
545 Long Wharf Dr
7th Fl
New Haven, CT 06511
US
Direct:
(203) 786-2186(203) 786-2186
Meet The Elm City Heirloom Group
Robert V. Donnelly
Financial Advisor, Vice President
Phone:
(203) 786-2188(203) 786-2188
Matthew Lubanko, CFP®
Financial Advisor, CERTIFIED FINANCIAL PLANNER®
Phone:
(203) 786-2163(203) 786-2163
Phone:
(203) 786-2175(203) 786-2175
Lindsey Guglietti
Client Service Associate
Phone:
(203) 786-2186(203) 786-2186
Nick Debrizzi
Registered Client Service Associate
Phone:
(860) 572-2577(860) 572-2577
About Brian J Elliott
Brian approaches his work with the same passion and discipline of the long-distance runner that he is.
He works day in and day out to monitor his performance and improve his times for completing a race.
Brian, since launching his practice in 1994, has followed a similar approach with his clients. He asks probing questions, often trying to dig beneath the black-and-white world of statements, tax returns, and balance sheets. He tirelessly investigates the nuts and bolts of each investment he recommends. He’s aware that a financial plan, however comprehensive, is a document subject to frequent revisions as times and circumstances change.
Brian also derives comfort and joy through sports. He’s a passionate fan of the New York Giants, the New York Yankees and NCAA college basketball and football. He’s quick to say he’s eager to play any sport he’s challenged to play. One of his proudest moments? Finishing the Hartford Marathon in 2011, after pulling his calf muscle in Mile 3, a testament to his refusal to surrender.
Outside the office, Brian lives in West Haven (CT). A graduate of the University of New Haven, Brian is the father of two college-age daughters. He’s also a handyman around the house, his own and those owned by others. He recently installed a fence for one of his neighbors. Over the years, Brian has also done charitable work for Habitat for Humanity, St. Martin de Porres School in New Haven, the West Haven Rotary Club, Lauralton Hall in Milford, and the Children’s Hospital of Philadelphia (CHOP).
He works day in and day out to monitor his performance and improve his times for completing a race.
Brian, since launching his practice in 1994, has followed a similar approach with his clients. He asks probing questions, often trying to dig beneath the black-and-white world of statements, tax returns, and balance sheets. He tirelessly investigates the nuts and bolts of each investment he recommends. He’s aware that a financial plan, however comprehensive, is a document subject to frequent revisions as times and circumstances change.
Brian also derives comfort and joy through sports. He’s a passionate fan of the New York Giants, the New York Yankees and NCAA college basketball and football. He’s quick to say he’s eager to play any sport he’s challenged to play. One of his proudest moments? Finishing the Hartford Marathon in 2011, after pulling his calf muscle in Mile 3, a testament to his refusal to surrender.
Outside the office, Brian lives in West Haven (CT). A graduate of the University of New Haven, Brian is the father of two college-age daughters. He’s also a handyman around the house, his own and those owned by others. He recently installed a fence for one of his neighbors. Over the years, Brian has also done charitable work for Habitat for Humanity, St. Martin de Porres School in New Haven, the West Haven Rotary Club, Lauralton Hall in Milford, and the Children’s Hospital of Philadelphia (CHOP).
Securities Agent: GA, VA, NJ, IL, FL, WA, NM, NH, WI, PA, VT, HI, OR, NC, TX, MA, AL, MD, NY, DE, CT, CO, CA, AK, TN, MI, ME, DC, SC, RI; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 138498
CA Insurance License #: OD55704
NMLS#: 138498
CA Insurance License #: OD55704
About Robert V. Donnelly
Robert entered the financial services industry during the first term of President Ronald Reagan in 1984.
The Elm City Heirloom Group marks his third partnership in his 38-year career.
As an advisor, Robert works with successful professionals and business owners in all fields. All relationships begin with lengthy getting-to-know-you conversations. The relationships evolve into a consultative structure, with frequent questions posed to his clients. What often results is a relationship that later turns to a lasting friendship.
A financial plan forms the backbone of each new relationship. The plan reviews assets, liabilities, goals and dreams. It is through this back-and-forth exchange of stories and numeric information that Robert learns the story behind a client’s wealth, including what really matters besides financial comfort.
Outside the office, Robert lives in Southbury (CT) with his wife and two children. He also likes to visit a second home in New York that’s northwest of Utica, a land he affectionately dubs as “Blissful Nowheresville.”
Robert, age 63, hastens to add he’s interested in machinery with gas-powered engines. His passion is buying and restoring classic automobiles in his garage at home.
When not working at the office or tinkering with an engine, Robert has supported the United Way, St. Jude Children’s Research Hospital, and meals for seniors through Sacred Heart of Jesus Catholic Church in Southbury.
The Elm City Heirloom Group marks his third partnership in his 38-year career.
As an advisor, Robert works with successful professionals and business owners in all fields. All relationships begin with lengthy getting-to-know-you conversations. The relationships evolve into a consultative structure, with frequent questions posed to his clients. What often results is a relationship that later turns to a lasting friendship.
A financial plan forms the backbone of each new relationship. The plan reviews assets, liabilities, goals and dreams. It is through this back-and-forth exchange of stories and numeric information that Robert learns the story behind a client’s wealth, including what really matters besides financial comfort.
Outside the office, Robert lives in Southbury (CT) with his wife and two children. He also likes to visit a second home in New York that’s northwest of Utica, a land he affectionately dubs as “Blissful Nowheresville.”
Robert, age 63, hastens to add he’s interested in machinery with gas-powered engines. His passion is buying and restoring classic automobiles in his garage at home.
When not working at the office or tinkering with an engine, Robert has supported the United Way, St. Jude Children’s Research Hospital, and meals for seniors through Sacred Heart of Jesus Catholic Church in Southbury.
Securities Agent: OR, VI, WY, WI, WA, VT, VA, UT, TX, TN, SC, RI, PA, NM, NJ, NH, MN, MI, ME, MD, MA, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AL, NY, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 1479443
CA Insurance License #: OM83242
NMLS#: 1479443
CA Insurance License #: OM83242
About Matthew Lubanko
As a former newspaper reporter, Matthew Lubanko takes an editor’s approach to personal finance.
Through question-and-answer sessions with clients, he works to identify clutter – the assets and debts that stand in the way of the forward motion of the story. After the clutter is mutually identified and removed, Matthew then takes on the role of a reporter drafting an outline.
How does a client want his or her story to end? How will we, working together, help attain that end? What resources will help a client’s family reach its goals? What obstacles stand in the way?
Away from the office, Matthew pretends to ski and play golf. He spends most of his free time on a bicycle, having pedaled more than 40,000 miles in the last 10 years in ten Canadian provinces and 49 U.S. states. Time on the road is time to reflect. It is also a test of one’s endurance and resourcefulness, especially when mechanical problems bedevil a bicycle that’s more than 200 miles away from the nearest bike shop.
Matthew graduated from Boston University with a BA in international relations. He earned his Certified Financial Planner (CFP) credential in 2011. He is the father of two adult children. He lives in Madison (CT) with his partner, Cate, and two cats, Elke and Oslo. His charitable causes include Bikes for Kids CT, The American Red Cross (giving blood), Friends of the Scranton Library (Madison, CT), and picking up litter in public places, including a recent stint with Friends of the (New Haven) Green.
Through question-and-answer sessions with clients, he works to identify clutter – the assets and debts that stand in the way of the forward motion of the story. After the clutter is mutually identified and removed, Matthew then takes on the role of a reporter drafting an outline.
How does a client want his or her story to end? How will we, working together, help attain that end? What resources will help a client’s family reach its goals? What obstacles stand in the way?
Away from the office, Matthew pretends to ski and play golf. He spends most of his free time on a bicycle, having pedaled more than 40,000 miles in the last 10 years in ten Canadian provinces and 49 U.S. states. Time on the road is time to reflect. It is also a test of one’s endurance and resourcefulness, especially when mechanical problems bedevil a bicycle that’s more than 200 miles away from the nearest bike shop.
Matthew graduated from Boston University with a BA in international relations. He earned his Certified Financial Planner (CFP) credential in 2011. He is the father of two adult children. He lives in Madison (CT) with his partner, Cate, and two cats, Elke and Oslo. His charitable causes include Bikes for Kids CT, The American Red Cross (giving blood), Friends of the Scranton Library (Madison, CT), and picking up litter in public places, including a recent stint with Friends of the (New Haven) Green.
Securities Agent: NC, DC, MI, MD, TN, WA, FL, VA, PA, ME, NY, NV, HI, GA, CT, RI, DE, CO, AZ, OH, MT, CA, VT, SC, NJ, NH, MA, AL, TX, NM, WI, OR; General Securities Representative; Investment Advisor Representative
NMLS#: 1275778
NMLS#: 1275778
About Charles Kaywood
Charles, known to many as Chuck, started in the financial services industry with Morgan Stanley in 1996 following a 20 year stint in the furniture business. During that time, he learned the value of customer service, a lesson he applies on a daily basis with his approach to his clients personal finance. Proactivity and direct client communication are core values of his practice.
Chuck graduated from Babson College with a Bachelor's of Science and a Masters of Business Administration. He lives in Hamden CT and enjoys spending time outside, taking walks on the beach and around the neighborhood with this girlfriend. Chuck is the father of two adult children. His charitable causes include Downtown Evening Soup Kitchen (DESK), The Columbus House Shelter, and picking up litter in public places with Friends of the Green (New Haven).
Chuck graduated from Babson College with a Bachelor's of Science and a Masters of Business Administration. He lives in Hamden CT and enjoys spending time outside, taking walks on the beach and around the neighborhood with this girlfriend. Chuck is the father of two adult children. His charitable causes include Downtown Evening Soup Kitchen (DESK), The Columbus House Shelter, and picking up litter in public places with Friends of the Green (New Haven).
Securities Agent: DE, CO, VA, IL, AL, VT, SC, MT, CA, WA, TN, HI, PR, OH, NC, TX, OR, NJ, DC, WI, PA, NY, MI, MD, GA, CT, MA, ME, FL, NM, NH, ND, MO, RI; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 182784
NMLS#: 182784
About Lindsey Guglietti
Lindsey was a recent gift to Morgan Stanley from Connecticut-based Liberty Bank.
Lindsey has quickly mastered our company’s information systems and operating procedures; her patience and friendly demeanor have helped our team deliver blue-chip customer service. She’s proud of her work, and proud to say she loves helping others.
Born and raised in Fairfield (CT), Lindsey in May 2022 married Vincent Guglietti, a baseball coach and trainer. Together they own and love a dog (Teddy) and a cat (Ziggy).
Outside the office, Lindsey has lent support to the Connecticut Food Bank, American Foundation for Suicide Prevention, and the Juvenile Diabetes Research Foundation. She also remains an avid fan of the New York Yankees and New York Rangers.
Lindsey has quickly mastered our company’s information systems and operating procedures; her patience and friendly demeanor have helped our team deliver blue-chip customer service. She’s proud of her work, and proud to say she loves helping others.
Born and raised in Fairfield (CT), Lindsey in May 2022 married Vincent Guglietti, a baseball coach and trainer. Together they own and love a dog (Teddy) and a cat (Ziggy).
Outside the office, Lindsey has lent support to the Connecticut Food Bank, American Foundation for Suicide Prevention, and the Juvenile Diabetes Research Foundation. She also remains an avid fan of the New York Yankees and New York Rangers.
About Nick Debrizzi
Nick DeBrizzi is a Registered Client Service Associate who began his career at Morgan Stanley in November 2023 upon graduating with a BSBA in Finance and a minor in Professional Sales from Elon University in North Carolina.
Originally from Hamden, Connecticut, Nick currently resides in Madison with family. While not in the office, he enjoys physical fitness as well as boating, fishing and exploring the great outdoors with friends. Having a sibling with special needs, he also spends time volunteering with the Connecticut Special Olympics and tries to help with Guilford’s Sound Life Connection Inc. in any capacity he can. He is fluent in Spanish and has recently passed his Securities Industry Essentials (“SIE”) Exam, Series 7 Exam, and Series 66 Exam.
Originally from Hamden, Connecticut, Nick currently resides in Madison with family. While not in the office, he enjoys physical fitness as well as boating, fishing and exploring the great outdoors with friends. Having a sibling with special needs, he also spends time volunteering with the Connecticut Special Olympics and tries to help with Guilford’s Sound Life Connection Inc. in any capacity he can. He is fluent in Spanish and has recently passed his Securities Industry Essentials (“SIE”) Exam, Series 7 Exam, and Series 66 Exam.
Contact Brian J Elliott
Contact Robert V. Donnelly
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Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley 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 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.
5Morgan 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
6Alternative 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.
7Products 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.
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 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.
5Morgan 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
6Alternative 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.
7Products 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.
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)
