Phone:
(516) 336-0810(516) 336-0810
The Endeavor Group at Morgan Stanley
Direct:
(516) 336-0774(516) 336-0774
Our Mission Statement
The Endeavor Group at Morgan Stanley combines a unique blend of talent, experience, and knowledge; all geared towards one purpose: to deliver a comprehensive financial strategy designed to support you as you save, preserve, and grow your wealth.
Forbes named Best-In-State Wealth Management Teams in New York for 2025
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/22-3/31/24.
Forbes named Best-In-State Wealth Management Teams in New York for 2025
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period from 3/31/22-3/31/24.
Our Story and Services
The Endeavor Group is a full-service wealth management team. The essence of our group is a deep personal connection to our clients combined with the value of professional collaboration. As your Financial Advisors, we will partner with you, taking the time to understand your individual needs and ambitions. This deep understanding will lay the foundation for a lasting relationship with you and those important to you. Ultimately, we aim for your financial success, stability, and security. By providing you with goal-oriented financial planning and wealth management, we will help you move smartly and strategically towards the future you envision.
The Endeavor Group believes that insightful wealth management can improve our clients’ lives, and it has been our focus and our passion throughout all market conditions. As your financial advisors, with access to the full range of resources and specialists at Morgan Stanley, we are well positioned to guide you towards your goals and desires.
The Endeavor Group believes that insightful wealth management can improve our clients’ lives, and it has been our focus and our passion throughout all market conditions. As your financial advisors, with access to the full range of resources and specialists at Morgan Stanley, we are well positioned to guide you towards your goals and desires.
Our Dedication
- Kathy holds the prestigious Certified Investment Management Analyst (CIMA®) designation, as well as Chartered Retirement Planning Consultant (CRPC®), highlighting her professional dedication to the critical importance of Retirement savings and income planning.
- Sari is a Senior Vice President, Chartered Retirement Planning Consultant (CRPC®) and designated Portfolio Manager, focused on allocation of client’s assets and expert selection of fixed income and equity solutions for more than 18 years.
- Kathy and Sari pride themselves on their skills and experience, but it is dedication to providing highly personalized wealth management services to their clients that sets them apart.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- Retirement PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Planning for Education FundingFootnote5
- Cash Management and Lending ProductsFootnote6
- LGBT+ Planning ServicesFootnote7
- Life InsuranceFootnote8
- Long Term Care InsuranceFootnote9
- Corporate Retirement PlansFootnote10
- Asset Management
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Stay Informed
The Endeavor Monthly is our space to share the latest news on what is being discussed in our office.
From Our Team This Month:
Contribution Limits
• 401k: $23,000, up from $22,500 for employees under 50 years old, & catch ups increase to $7,500 from $6,500 for employees over 50.
• IRA: $7,000, up from $6,500. Catch up for individuals over 50 remains the same at $1,000.
• IRA: $7,000, up from $6,500. Catch up for individuals over 50 remains the same at $1,000.
Social Security COLA Increase
• Starting in January 2024, Social Security payments will go up by 3.2%.
Income Tax Bracket Changes for 2024
Due to inflation, the IRS has adjusted its rules and tax filers can now keep more in 2024.
THE SHIFTING WORKFORCE: HOW A CAREER BREAK CAN MEAN MORE THAN JUST TIME OFF
Did you know that almost 25% of caregivers are under the age of 35?1 As Millennials near the age of 40 and Gen Z’ers find themselves a couple years post-college, many are navigating the demands of both careers and caregiving. And in the process, they’re challenging career norms and redefining the rules on their own terms.
The behaviors and choices of Millennials are profoundly disrupting business and society alike. In Deloitte’s 2019 Millennials survey, they found that 49% would, if they had a choice, quit their current jobs in the next two years.2 This constitutes a major challenge for companies seeking a stable workforce, and a total shift in workforce mindset.
So, if almost half of all Millennials are willing to quit their full-time jobs, what are they considering instead?
According to the study, 84% of Millennials wouldn’t hesitate to jump into freelance or contract work. Those who would consider joining the gig economy cite the chance to earn more money (58%), work the hours they want (41%) or achieve a better work/life balance (37%).3
Many Millennials are taking things a step further, scrapping the idea of a traditional career altogether. Instead, they’re creating careers on their own terms. Examples include deferring a future in civil engineering for a life on the Alaskan frontier as a sled dog musher or retiring at age 38 because of extreme savings. This is part of a new trend called “Millennial burn-out,” a generational shift that has many people making life choices that prioritize fulfilling experiences and relationships over careers.4
With 40% of women taking a break from full-time employment at some point during their career,5 it looks like Millennial women are redefining what that break could mean. The long-term impact of this attitude shift is still unknown but will certainly be seen for decades to come, especially as the percentage of millennial caregivers continues to rise.
If you’re a caregiver, experiencing millennial burn-out and think an alternative career path might be for you, it’s important that you start thinking through your goals and priorities. And then talk with people you trust – like your spouse, family members and even a financial professional. Having a clear plan in place – that balances life, career and financial goals – can make all the difference. Just ask the woman that retired at 38 because of her frugal savings strategies.6
The behaviors and choices of Millennials are profoundly disrupting business and society alike. In Deloitte’s 2019 Millennials survey, they found that 49% would, if they had a choice, quit their current jobs in the next two years.2 This constitutes a major challenge for companies seeking a stable workforce, and a total shift in workforce mindset.
So, if almost half of all Millennials are willing to quit their full-time jobs, what are they considering instead?
According to the study, 84% of Millennials wouldn’t hesitate to jump into freelance or contract work. Those who would consider joining the gig economy cite the chance to earn more money (58%), work the hours they want (41%) or achieve a better work/life balance (37%).3
Many Millennials are taking things a step further, scrapping the idea of a traditional career altogether. Instead, they’re creating careers on their own terms. Examples include deferring a future in civil engineering for a life on the Alaskan frontier as a sled dog musher or retiring at age 38 because of extreme savings. This is part of a new trend called “Millennial burn-out,” a generational shift that has many people making life choices that prioritize fulfilling experiences and relationships over careers.4
With 40% of women taking a break from full-time employment at some point during their career,5 it looks like Millennial women are redefining what that break could mean. The long-term impact of this attitude shift is still unknown but will certainly be seen for decades to come, especially as the percentage of millennial caregivers continues to rise.
If you’re a caregiver, experiencing millennial burn-out and think an alternative career path might be for you, it’s important that you start thinking through your goals and priorities. And then talk with people you trust – like your spouse, family members and even a financial professional. Having a clear plan in place – that balances life, career and financial goals – can make all the difference. Just ask the woman that retired at 38 because of her frugal savings strategies.6
1 The Balance, Financial Planning Tips for the Sandwich Generation, https://www.thebalance.com/financial-planning-sandwich-generation-4150160
2 Deloitte, The Deloitte Global Millennial Survey 2019, https://www2.deloitte.com/us/en/insights/topics/talent/deloitte-millennial-survey.html
3 Deloitte, The Deloitte Global Millennial Survey 2019, https://www2.deloitte.com/us/en/insights/topics/talent/deloitte-millennial-survey.html
4 ABC News,Burned-out millennials are seeking alternative work lifestyles from career changes, living on the road, retiring early, https://abcnews.go.com/US/burned-millennials-seeking-alternative-work-lifestyles-career-living/story?id=61938694
5 Forbes, Are Returnships the Key to Relaunching Your Career? https://www.forbes.com/sites/jasonwingard/2019/02/13/are-returnships-the-key-to-relaunching-your-career/#5a6919253cdf
6 Women Back to Work, https://www.womenbacktowork.org/employers-learn-more
©2020 Morgan Stanley Smith Barney LLC. Member SIPC.
CRC 3010712-04/20 Exp. 4/21/21
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The Way We Do Business
As we work together, we view ourselves as your allies and partners. Our ongoing discussions form the basis of our relationship.
Step I
Our initial conversations will help us understand the most defining insights about you – from the values that inspire you to your most important proprieties and concerns. That’s how we learn what you would like your wealth to accomplish now and over time.
Step II
Our next step will be to review all assets and liabilities on your personal balance sheet so we can assess where you stand today. We will also talk about risk – how much is too much when it comes to your strategy? It’s important we understand your comfort level with risk, so that we can develop an appropriate plan, tailored for your future.
Step III
After closely analyzing this information, we gladly collaborate with your other trusted advisors to ensure that our collective guidance is consistent and aligned. Once our assessment is complete, we will provide you with a recommended strategy tailored to your needs and goals, investing time to educate you about the details of your plan.
Step IV
Our final step in the process is implementing the strategy you’ve agreed to – putting to work for you the full range of global resources Morgan Stanley has to offer.
Our work as wealth advisors is never quite done. The key to maintaining the success of your financial plan over time is reviewing that plan and having the foresight and flexibility to adapt to changes and new developments in your life. By working closely with you at every stage we can be proactive in making adjustments and rebalancing our investment portfolio to ensure that you consistently stay on track to achieve your goals.
Our work as wealth advisors is never quite done. The key to maintaining the success of your financial plan over time is reviewing that plan and having the foresight and flexibility to adapt to changes and new developments in your life. By working closely with you at every stage we can be proactive in making adjustments and rebalancing our investment portfolio to ensure that you consistently stay on track to achieve your goals.
Location
Two Jericho Plaza
Jericho, NY 11753
US
Direct:
(516) 336-0774(516) 336-0774
Meet The Endeavor Group
Phone:
(516) 336-0774(516) 336-0774
Kerma Brunecker
Registered Client Service Associate
Phone:
(516) 336-0752(516) 336-0752
Isabelle Cazeau
Client Service Associate
Phone:
(516) 336-0749(516) 336-0749
About Kathryn Castelli
Starting with her first Wall Street firm in 1994, through Morgan Stanley today, Kathryn has always sown the seeds of a solid, long-standing financial planning practice, now celebrating client and extended family relationships nurtured over a quarter-century. Kathryn’s consultative process begins with an in-depth discussion of current finances and future objectives. Her focus on retirement planning goes well beyond providing investment advice, often uncovering areas overlooked, which can impact the ability to execute on what is planned. For Kathryn, maintaining the financial independence and lifestyle clients have worked their whole lives to achieve is the primary focus. She values the unique goals, values and circumstances of each relationship that determine the strategies developed on their behalf.
To Kathryn, her career as an advisor means investing time and energy into her clients, as well as herself, the financial services industry, and the community. Before becoming an advisor, Kathryn held full-time Legal and Compliance roles while completing her Business Management degree at Fordham University, graduating with honors. She finished top ten in advisor training, the only female out of 100 new advisors, and spent almost a decade at Merrill Lynch before being recruited to her current home at Morgan Stanley in 2011. Kathryn holds Certified Investment Management Analyst (CIMA®) and Chartered Retirement Planning Counselor (CRPC®) designations, both of which require ongoing education and adherence to the highest industry and ethical standards.
Kathryn has been happily married for 27 years and raised 3 children during her career. She regularly volunteers for the SIFMA Foundation, teaching and judging The Stock Market Game, and has held various roles on committees and boards supporting organizations that impact her children, their friends, and their community in Bayside, Queens. A Bronx native, she proudly provides ongoing mentorship to students in Fordham University’s business school through their Alumni Mentorship Network.
2025 - 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.
https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025]
To Kathryn, her career as an advisor means investing time and energy into her clients, as well as herself, the financial services industry, and the community. Before becoming an advisor, Kathryn held full-time Legal and Compliance roles while completing her Business Management degree at Fordham University, graduating with honors. She finished top ten in advisor training, the only female out of 100 new advisors, and spent almost a decade at Merrill Lynch before being recruited to her current home at Morgan Stanley in 2011. Kathryn holds Certified Investment Management Analyst (CIMA®) and Chartered Retirement Planning Counselor (CRPC®) designations, both of which require ongoing education and adherence to the highest industry and ethical standards.
Kathryn has been happily married for 27 years and raised 3 children during her career. She regularly volunteers for the SIFMA Foundation, teaching and judging The Stock Market Game, and has held various roles on committees and boards supporting organizations that impact her children, their friends, and their community in Bayside, Queens. A Bronx native, she proudly provides ongoing mentorship to students in Fordham University’s business school through their Alumni Mentorship Network.
2025 - 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.
https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025]
Securities Agent: GA, WA, VA, LA, IL, FL, ME, CT, NY, MD, PA, NH, NC, CA, AZ, VT, TX, OR, OH, NV, NM, MT, DC, NJ, CO, UT, RI, SC, MA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1274567
NMLS#: 1274567
About Sari Warsaw
A wealth management professional for more than 17 years, Sari has dedicated her entire career to helping her clients achieve their financial goals. She has an exceptional combination of professional experience and a broad knowledge of financial planning. Her approach focuses on a comprehensive wealth management plan and a commitment to providing outstanding service and advice. Sari has been strategically delivering highly customized advice and investment solutions to high-net-worth individuals, families, small business owners and professionals.
Prior to becoming a member of the Morgan Stanley family in 2019, Sari worked as a Financial Advisor at UBS and Smith Barney for 15 years. A 2003 graduate of the Kelley School of Business at Indiana University with a B.S. degree in Marketing, Sari also received her Chartered Retirement Planning Counselor (CRPC®) designation, and she has been named to the Morgan Stanley’s prestigious Pacesetter’s Club, an elite group composed of the firm’s successful Financial Advisors.
A native of Long Island, Sari has always enjoyed serving the needs of her local community. She is currently a Vice President for the PTA at the elementary school her children attend. She also co-founded and serves on the Executive Board of Directors of The Gold Ribbon Riders, Inc. a non-profit organization which helps raise funding and awareness for pediatric cancer research at Memorial Sloan Kettering Cancer Center.
When she is not working directly with her clients or guiding the many organizations she supports, you can find Sari spending quality time with her family. Sari has 3 young children, Max, Skylar, and Avery. Her husband Steven also works in the financial industry and in her spare time, Sari is usually on the sports fields cheering on her children while enjoying time with family and friends.
2025 - 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.
https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025]
Prior to becoming a member of the Morgan Stanley family in 2019, Sari worked as a Financial Advisor at UBS and Smith Barney for 15 years. A 2003 graduate of the Kelley School of Business at Indiana University with a B.S. degree in Marketing, Sari also received her Chartered Retirement Planning Counselor (CRPC®) designation, and she has been named to the Morgan Stanley’s prestigious Pacesetter’s Club, an elite group composed of the firm’s successful Financial Advisors.
A native of Long Island, Sari has always enjoyed serving the needs of her local community. She is currently a Vice President for the PTA at the elementary school her children attend. She also co-founded and serves on the Executive Board of Directors of The Gold Ribbon Riders, Inc. a non-profit organization which helps raise funding and awareness for pediatric cancer research at Memorial Sloan Kettering Cancer Center.
When she is not working directly with her clients or guiding the many organizations she supports, you can find Sari spending quality time with her family. Sari has 3 young children, Max, Skylar, and Avery. Her husband Steven also works in the financial industry and in her spare time, Sari is usually on the sports fields cheering on her children while enjoying time with family and friends.
2025 - 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.
https://www.morganstanley.com/what-we-do/wealth-management/forbes-top-wealth-advisors-lists-2025]
Securities Agent: GA, IL, WA, MD, MA, UT, SC, NC, OR, OH, NH, AZ, VA, LA, DC, CA, VT, RI, NM, NJ, ME, FL, CT, CO, TX, PA, NY, MT; General Securities Representative; Investment Advisor Representative
NMLS#: 2081790
NMLS#: 2081790
About Kerma Brunecker
Kerma joined Morgan Stanley in 2019 after 20 years in the industry at various firms. Some of her responsibilities include coordinating the team’s daily operations, overseeing the new account opening process, enabling online access for our clients and serving as the main point of contact for client service matters. Kerma provides ongoing administrative and operational support primarily for Sari and her clients.
Kerma earned her MBA from Dowling College and her BA from Long Island University. She maintains her Series 7, Series 31 and Series 66 securities license. Kerma also has her life and health insurance licenses.
Kerma currently resides on Long Island with her husband, two children and two dogs.
Kerma earned her MBA from Dowling College and her BA from Long Island University. She maintains her Series 7, Series 31 and Series 66 securities license. Kerma also has her life and health insurance licenses.
Kerma currently resides on Long Island with her husband, two children and two dogs.
Contact Kathryn Castelli
Contact Sari Warsaw
Wealth Management
From Our Team
2025 Global Economic Outlook: U.S. Policies May Temper Global Growth
Wealth Management
Global Investment Office
Portfolio Insights
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Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
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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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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
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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.
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Donor Advised Funds: A Smart Way to Manage Your Giving
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Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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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 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.
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.
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5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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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
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8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
6Morgan 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
7Morgan 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10When 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.
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Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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Awards Disclosures
CRC 6491812 (04/2024)
