John L Elwaw, CFA
Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(305) 376-2408(305) 376-2408
The Elwaw/Cavalieri Group at Morgan Stanley
Direct:
(305) 376-8560(305) 376-8560
Toll-Free:
(800) 327-0273(800) 327-0273
Our Mission Statement
Personalized service and tailored solutions to preserve and grow capital for generations to come.
Our Story and Services
Founded by one of the top Financial Advisors in the State of Florida,* our team manages more than $3.2 billion for a global clientele of affluent individuals, families and family offices. Living throughout the Americas, many of our clients have residences, business interests and significant investments outside their native countries. This multinational orientation adds an additional layer of complexity to the sophisticated wealth management issues all wealthy families must address. These are the situations where our experience and specialized capabilities deliver the greatest value.
Drawing on our own experience and the vast global resources of our firm, we work closely with our clients and their family offices to craft highly customized investment strategies and wealth planning solutions. We are intimately familiar with the complex structures used by affluent offshore investors, and draw on an extensive professional network to help our clients take advantage of the opportunities that are available to them. More generally, we work to provide objective, high-quality wealth management advice that helps our clients protect their assets, provide for their families, and pursue their personal, professional and philanthropic goals.
Drawing on our own experience and the vast global resources of our firm, we work closely with our clients and their family offices to craft highly customized investment strategies and wealth planning solutions. We are intimately familiar with the complex structures used by affluent offshore investors, and draw on an extensive professional network to help our clients take advantage of the opportunities that are available to them. More generally, we work to provide objective, high-quality wealth management advice that helps our clients protect their assets, provide for their families, and pursue their personal, professional and philanthropic goals.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
We serve a geographically dispersed clientele of highly accomplished individuals, their families, businesses, family offices and charitable entities. We currently have clients in several countries on various continents, with concentrations in Argentina, Venezuela, Colombia, Peru, Mexico and the United States.
Approaching wealth management as a constantly evolving process, we work to gain and maintain a deep understanding of each client’s needs, goals and preferences. This includes regular visits to the countries where our clients live, so that we can stay one step ahead of evolving regulatory, market and business conditions. This enables us to serve as close family advisors, on call to help our clients make informed decisions about their financial lives and to put those decisions into action.
Morgan Stanley’s highly sophisticated and secure digital platforms help us deliver a seamless service experience to our global clientele. Safeguarded by best-in-class cybersecurity technology, a dedicated team and strong encryption protocols, Morgan Stanley Online and the Morgan Stanley Mobile App, provide 24/7 access to investment and cash management accounts. This includes Esign and Eauthorization features that enable our clients to send wires and transfers from their mobile devices.
Approaching wealth management as a constantly evolving process, we work to gain and maintain a deep understanding of each client’s needs, goals and preferences. This includes regular visits to the countries where our clients live, so that we can stay one step ahead of evolving regulatory, market and business conditions. This enables us to serve as close family advisors, on call to help our clients make informed decisions about their financial lives and to put those decisions into action.
Morgan Stanley’s highly sophisticated and secure digital platforms help us deliver a seamless service experience to our global clientele. Safeguarded by best-in-class cybersecurity technology, a dedicated team and strong encryption protocols, Morgan Stanley Online and the Morgan Stanley Mobile App, provide 24/7 access to investment and cash management accounts. This includes Esign and Eauthorization features that enable our clients to send wires and transfers from their mobile devices.
Part of a global financial legacy that dates back over 150 years, Morgan Stanley is one of the few truly global institutions with the scale, scope and commitment to serve the international investor. We are among the world’s most capitalized institutions, and we stand as one of the largest wealth management firms in the world.
Morgan Stanley International Wealth Management (IWM) harnesses the extensive capabilities of the firm to serve investors located outside the United States. Functioning as a specialized group within Morgan Stanley, IWM is staffed by specially trained International Client Advisors and managers who understand your wealth management needs. Our International Client Advisors are familiar with the investment challenges and opportunities that are unique to your part of the world, and can recommend highly customized strategies to help you address your specific goals.
Morgan Stanley International Wealth Management (IWM) harnesses the extensive capabilities of the firm to serve investors located outside the United States. Functioning as a specialized group within Morgan Stanley, IWM is staffed by specially trained International Client Advisors and managers who understand your wealth management needs. Our International Client Advisors are familiar with the investment challenges and opportunities that are unique to your part of the world, and can recommend highly customized strategies to help you address your specific goals.
We are highly experienced portfolio managers who create investment solutions based on our clients’ individual goals, values and risk profiles. We also maintain two proprietary strategies:
• A U.S. Multi-Cap strategy that includes approximately 50 Large Cap and Mid Cap holdings.
• A Global Equity strategy that primarily utilizes actively managed ETFs, focused on tactical and strategic sector weighting.
Both of these tax-aware, buy-and-hold strategies are intended for the long-term investor.
In addition to our own analysis, we draw on the economic and market research of Morgan Stanley’s Global Investment Committee and Center for Investing Excellence, as well as a variety of leading third-party sources. Our skills and experience give us an advantage to excel in complex situations that require sophisticated solutions, by using powerful resources to help our clients reach their goals, and by adapting to new environments that are the result of the most reliable constant: Change.
• A U.S. Multi-Cap strategy that includes approximately 50 Large Cap and Mid Cap holdings.
• A Global Equity strategy that primarily utilizes actively managed ETFs, focused on tactical and strategic sector weighting.
Both of these tax-aware, buy-and-hold strategies are intended for the long-term investor.
In addition to our own analysis, we draw on the economic and market research of Morgan Stanley’s Global Investment Committee and Center for Investing Excellence, as well as a variety of leading third-party sources. Our skills and experience give us an advantage to excel in complex situations that require sophisticated solutions, by using powerful resources to help our clients reach their goals, and by adapting to new environments that are the result of the most reliable constant: Change.
A substantial number of our clients strongly believe that their assets should be invested in a manner that aligns with their personal values and religious beliefs. We always welcome these conversations and are able to provide guidance in constructing portfolios that seek social, as well as financial, returns.
Location
200 S Biscayne Blvd
Ste 1100
Miami, FL 33131
US
Direct:
(305) 376-8560(305) 376-8560
Toll-Free:
(800) 327-0273(800) 327-0273
Meet The Elwaw/Cavalieri Group
Matias Cavalieri
Managing Director, Wealth Management, Financial Advisor
Phone:
(305) 376-2414(305) 376-2414
Ricardo Rojas
First Vice President, Chief of Staff
Phone:
(305) 376-8580(305) 376-8580
Pedro Jorge
Portfolio Management Associate Director, Client Services Associate
Phone:
(305) 376-8586(305) 376-8586
Maria Elena Goudie
First Vice President, Investment Consultant
Phone:
(305) 908-8351(305) 908-8351
Marisol Arroyo
Portfolio Associate
Phone:
(305) 908-8352(305) 908-8352
Caroline Herradon
Senior Client Service Associate
Phone:
(305) 376-8573(305) 376-8573
Grecia Hernandez
Client Service Associate
Phone:
(305) 533-1705(305) 533-1705
Ladyanne Castellanos
Senior Registered Client Services Associate
Phone:
(305) 376-8592(305) 376-8592
About John L Elwaw
The founding partner of the Elwaw/Cavalieri Group, John Elwaw leads a team of experienced professionals who combine their talents to serve a Pan-American clientele of affluent families and individuals. John’s primary role on the team is to help clients navigate global financial markets, developing highly customized investment strategies based on their specific needs and objectives. John closely monitors client portfolios, reporting on progress through quarterly review meetings and ongoing client calls.
A Chartered Financial Analyst®, John has spent his entire 30-year wealth management career at Morgan Stanley and its predecessor firms. He has been a Chairman’s Club member since 1999, and served on the Wealth Management Financial Advisor Council from 2015 through 2018. John was included on the Barron’s America’s Top 1,200 Financial Advisors list from 2015 through 2024, and ranked among Forbes magazine’s Best State Advisors for Florida in 2019 through 2023.
He was also recognized on Financial Times list of Top 400 Advisors in 2017 and 2018. The Elwaw/Cavalieri team was prestigiously included in Barron’s Top Private Wealth management teams from 2021 through 2023 and Forbes Teams Best in State for 2023.
Fluent in English, Spanish, and Arabic, John earned a B.A. in finance from Northeastern University and went on to complete his master’s in finance from Boston College Carroll School of Management. He serves on the board of directors of the Sylvester Cancer Comprehensive Center, is President of the Dolphin Cancer Challenge and is active in fundraising for St. Jude Children’s Hospital. John and his wife, Debbie, live with their three children in Miami, Florida.
Rankings :
Forbes America’s Top Wealth Advisors – 2021
Forbes Best-In-State Wealth Advisors – 2019 through 2023
Forbes Best-in-State wealth Management Teams - 2023
Barron’s Top 100 Financial Advisors – 2021
Barron’s Top 100 Private Wealth Teams – 2021, 2022 & 2023
Barron’s Top 1,200 Financial Advisors: State-by-State – 2015 through 2024
2014-2023 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2014-2019). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
https://www.barrons.com/advisor/finder/john-elwaw
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Feb 2019) Data compiled by SHOOK Research LLC based on time period from 6/30/17 - 6/30/18.
https://www.forbes.com/profile/john-elwaw/?list=best-in-state-wealth-advisors
A Chartered Financial Analyst®, John has spent his entire 30-year wealth management career at Morgan Stanley and its predecessor firms. He has been a Chairman’s Club member since 1999, and served on the Wealth Management Financial Advisor Council from 2015 through 2018. John was included on the Barron’s America’s Top 1,200 Financial Advisors list from 2015 through 2024, and ranked among Forbes magazine’s Best State Advisors for Florida in 2019 through 2023.
He was also recognized on Financial Times list of Top 400 Advisors in 2017 and 2018. The Elwaw/Cavalieri team was prestigiously included in Barron’s Top Private Wealth management teams from 2021 through 2023 and Forbes Teams Best in State for 2023.
Fluent in English, Spanish, and Arabic, John earned a B.A. in finance from Northeastern University and went on to complete his master’s in finance from Boston College Carroll School of Management. He serves on the board of directors of the Sylvester Cancer Comprehensive Center, is President of the Dolphin Cancer Challenge and is active in fundraising for St. Jude Children’s Hospital. John and his wife, Debbie, live with their three children in Miami, Florida.
Rankings :
Forbes America’s Top Wealth Advisors – 2021
Forbes Best-In-State Wealth Advisors – 2019 through 2023
Forbes Best-in-State wealth Management Teams - 2023
Barron’s Top 100 Financial Advisors – 2021
Barron’s Top 100 Private Wealth Teams – 2021, 2022 & 2023
Barron’s Top 1,200 Financial Advisors: State-by-State – 2015 through 2024
2014-2023 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2014-2019). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
https://www.barrons.com/advisor/finder/john-elwaw
Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Feb 2019) Data compiled by SHOOK Research LLC based on time period from 6/30/17 - 6/30/18.
https://www.forbes.com/profile/john-elwaw/?list=best-in-state-wealth-advisors
Securities Agent: PR, SC, TX, OH, NC, AL, WA, NY, MA, FL, WY, SD, IL, CA, VA, WI, PA, DC, NH, VI, TN, NJ, MD, KS, CT, CO, MN, MI, UT, NV, LA, GA, DE, OR, OK, AR, NE; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1868567
NMLS#: 1868567
About Matias Cavalieri
Matias Cavalieri brings 25 years of wealth management experience to the service of the team’s clients. Having worked with Latin American clients throughout his career, Matias focuses his attention on creating and implementing highly customized investment strategies to meet the precise needs of affluent South and Central American families. Matias joined Morgan Stanley in 1999 from Prudential Securities Banca Privada.
A native Argentinian, fluent in English and Spanish, Matias attended the St. John’s School in Buenos Aires, Argentina. He went on to the Universidad Catolica Argentina, where he earned a degree in business administration.
Matias is an avid endurance athlete who competes at a high level in Ironman competitions, skis and plays soccer and rugby. He is an active volunteer with Train 2 Give, a youth sports organization dedicated to helping Latin American children in need. Matias and his wife, Sophia, live with their five children in Miami, Florida.
A native Argentinian, fluent in English and Spanish, Matias attended the St. John’s School in Buenos Aires, Argentina. He went on to the Universidad Catolica Argentina, where he earned a degree in business administration.
Matias is an avid endurance athlete who competes at a high level in Ironman competitions, skis and plays soccer and rugby. He is an active volunteer with Train 2 Give, a youth sports organization dedicated to helping Latin American children in need. Matias and his wife, Sophia, live with their five children in Miami, Florida.
Securities Agent: FL, AL, VA, UT, TN, DE, WY, WA, MN, PR, PA, NV, CO, VI, OH, HI, GA, AR, TX, NC, NH, MI, MA, NY, NJ, ID, CT, CA, MD, DC, WI, SD, LA, IL, SC, OR, OK, NE, KS; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
About Ricardo Rojas
Ricardo Rojas oversees the administrative functions of the Elwaw/Cavalieri Group, coordinating the team’s effort to deliver an outstanding overall client service experience. In addition to directing the client service staff, Ricardo also works directly with the team’s clients, helping them develop highly customized, goals-based financial plans.
Ricardo has over 14 years of diverse experience in the financial services industry. Prior to joining the team in 2018, Ricardo served as a Client Relationship Officer at EFG Capital, where he managed a $700 million book of business for approximately 100 private and institutional clients. Working closely with high net worth families, he developed holistic solutions to address their investment, borrowing, estate planning and other wealth management needs.
Ricardo graduated from the University of Florida in 2005 with a B.S. in Finance Business Administration and a concentration in Spanish and French culture. Fluent in English, Spanish and conversant in French, Ricardo has traveled extensively throughout his academic and professional careers. When at home, he enjoys art, cinema and cuisine. Ricardo is an active volunteer in community organizations. He lives in Miami, Florida.
Ricardo has over 14 years of diverse experience in the financial services industry. Prior to joining the team in 2018, Ricardo served as a Client Relationship Officer at EFG Capital, where he managed a $700 million book of business for approximately 100 private and institutional clients. Working closely with high net worth families, he developed holistic solutions to address their investment, borrowing, estate planning and other wealth management needs.
Ricardo graduated from the University of Florida in 2005 with a B.S. in Finance Business Administration and a concentration in Spanish and French culture. Fluent in English, Spanish and conversant in French, Ricardo has traveled extensively throughout his academic and professional careers. When at home, he enjoys art, cinema and cuisine. Ricardo is an active volunteer in community organizations. He lives in Miami, Florida.
About Pedro Jorge
Pedro Jorge assists the team’s clients and Advisors in the development, implementation and maintenance of customized investment portfolios. Pedro’s primary duties include trading and operational support, and conducting analyses of market conditions. He is fluent in English and Spanish.
Pedro graduated from Western Michigan University in 2014 with a bachelor’s degree in business administration–finance, and began his financial services career at Vertex Valores. He joined the team at Morgan Stanley in 2015.
Pedro graduated from Western Michigan University in 2014 with a bachelor’s degree in business administration–finance, and began his financial services career at Vertex Valores. He joined the team at Morgan Stanley in 2015.
About Caroline Herradon
Drawing on nearly four decades of diverse financial service experience, Caroline Herradon works to create an outstanding overall service for the team’s clients. Caroline leads efforts to open accounts for new clients, ensuring a smooth onboarding process. Fluent in English and Spanish, she also serves as the first point of contact for many client service requests.
A 25-year Morgan Stanley veteran, Caroline gained experience at a number of financial institutions, including Banco Bilbao Vizcaya Argentaria, Dean Witter Reynolds, Smith Barney Harris Upham and Kidder, Peabody & Co. She earned her bachelor’s degree in business administration–finance from Florida International University in 1995 while working full time.
A 25-year Morgan Stanley veteran, Caroline gained experience at a number of financial institutions, including Banco Bilbao Vizcaya Argentaria, Dean Witter Reynolds, Smith Barney Harris Upham and Kidder, Peabody & Co. She earned her bachelor’s degree in business administration–finance from Florida International University in 1995 while working full time.
About Grecia Hernandez
Grecia Hernandez supports the team’s Advisors and clients across an extensive range of operational and client service functions. Fluent in English and Spanish, Grecia assists with account openings, handles wire transfers and otherwise works to help create an outstanding service experience. Highly experienced with the Morgan Stanley digital platforms, Grecia plays a particularly important role in helping clients take advantage of the services available on Morgan Stanley Online and the Morgan Stanley Mobile App.
Grecia earned her B.A. in political science–international relations from Florida International University. She spent a year at EFG Capital International before joining the team at Morgan Stanley in 2018.
Grecia earned her B.A. in political science–international relations from Florida International University. She spent a year at EFG Capital International before joining the team at Morgan Stanley in 2018.
Contact John L Elwaw
Contact Matias Cavalieri
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
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
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Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
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- Long Term Care Insurance
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
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Financial Planning for Life After Selling a Business
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Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
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Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact The Elwaw/Cavalieri Group today.
1Morgan 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.
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.
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
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.
5The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
6Products 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
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.
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.
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
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.
5The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
6Products 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)
