Bruce Attig, CIMA®
Senior Vice President, Wealth Advisor
Phone:
(310) 543-0202(310) 543-0202
The Equitas Group at Morgan Stanley
Direct:
(310) 906-6801(310) 906-6801
Our Mission Statement
We strive to grow, manage and preserve your hard-earned wealth. Enjoy financial confidence, create a lasting legacy and spend more time doing the things you love.
Our Story and Services
Who We Are
The Equitas Group helps clients in Los Angeles and across the country achieve financial success through careful planning and guidance. We are a team of three advisors and two support staff with over 140 years of combined experience in wealth management. Over time, we have developed close ties to the community and fostered long lasting relationships that span multiple generations.
What We Do
We believe financial planning is not a one-size-fits-all solution. That's why we take the time to understand your individual needs, aspirations, and risk tolerance. Whether you're planning for retirement, savings for your child's education, or just managing your investments, we're here to guide you every step of the way.
We work with clients from multiple industries. Our two senior advisors, Tom and Bruce, work with clients that work in a variety of sectors while, our newest addition to the team, Chris, works primarily with clients in tech. This experience helps us to position the correct solutions and strategies to navigate the unique complexities of each industry.
Our Philosophy
At the core of our business is a foundation of trust, empathy, and communication. We believe that financial success is not just about numbers; it's about people. Our goal is to create meaningful relationships with our clients and truly get to know you and your family. We aim to instill a relationship not based on transaction, but on a shared desire for your overall well-being.
Contact Us
If you're ready to take control of your financial future, reach out to us today to schedule a consultation. We look forward to helping you navigate the complexities of your finances and achieve your goals.
Services Include
- Wealth ManagementFootnote1
- Retirement PlanningFootnote2
- Donor Advised Funds
- Alternative InvestmentsFootnote3
- LGBT+ Planning ServicesFootnote4
- Long-term Care InsuranceFootnote5
- 401(k) Rollovers
- Trust ServicesFootnote6
- Business PlanningFootnote7
- Wealth PlanningFootnote8
- UGMA/UTMAFootnote9
- Trust AccountsFootnote10
- Planning for Education FundingFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process, Your Journey
Our comprehensive process focuses on you, your family and your future – where you are today and where you want to go. Working together, we develop the strategies to help get you there, navigating life's challenges and empowering you to make smart decisions about your wealth now and over time.
1. Initial Conversation
We begin with an informal conversation to understand your financial concerns and determine how we can add value. Should we agree to move forward, we schedule a Discovery Meeting and request copies of important financial documents so we can review them in advance of our meeting.
5. Mutual Commitment Meeting
One to two weeks later, we meet again to formalize our working relationship. Documents are executed as we officially welcome you into our practice.
2. Discovery Meeting
In this in-depth discussion, we learn about the values that shape your decisions and identify any special circumstances in your life. Our priority is to really get to know you – your goals, your needs, and your challenges – so we have all the necessary information to create a comprehensive and customized Wealth Management Plan.
6. The Advanced Plan
As your assets transfer to Morgan Stanley, we begin the disciplined process of executing your plan. We often collaborate with specialized professionals in key areas, as well as your CPA and estate attorney to help ensure a cohesive implementation and transparency.
3. Analysis and Assessment
Here, we utilize proprietary financial planning tools to analyze and assess your current financial situation. We then develop a Wealth Management Plan that is uniquely yours, aligning your objectives and priorities with your timeframes and risk level.
7. First Follow-Up Meeting
This meeting is designed to provide a status update on the implementation of your plan, as well as introduce you to a myriad of digital resources now available.
4. Wealth Management Plan Meeting
We meet with you to present your Wealth Management Plan in detail. Your Plan includes investment recommendations as well as other strategies. These may include solutions to help reduce risk, minimize taxes and achieve your estate planning and legacy goals.
8. Ongoing Service and Care
Committed to premium service, we focus on developing a relationship that provides special value to you and your family. We set up regular calls and meetings to provide updates and keep your plan on track towards achieving your goals.
A SUPERIOR CLIENT EXPERIENCE
Planning for the financial future you want is a significant part of your wealth management plan. Explicitly identifying your objectives and structuring a step-by-step process is crucial for your success. With our experience and personalized approach, we assist you to assess your current financial situation and develop a tailored plan that aligns with your circumstances.
We take great pride in offering our valued clients a wide array of comprehensive wealth management services. As advocates of your financial prosperity, our team is committed to addressing all your inquiries and proactively providing solutions to any challenges that may arise. Below are some of the ways we help you achieve the success you deserve.
Portfolio Management
We are here to help you contrucut an investment portfolio that works for your circumstances. Together we'll ensure that your investment allocation aligns with your goals, liquidity needs, and risk tolerance. Our ongoing reviews adapts to changes in your life and financial markets, continuously addressing your needs.
Retirement Planning
Preparing for a confident retirement requires more than a nest egg. Our team helps you make this significant life transition to cover your needs in retirement. We help to structure income streams and help you get insurance solutions set up so that you can enjoy your golden years with confidence.
Education Planning
As the costs of higher education increases it is more important than ever to be proactive with education planning. 529 plans offer a flexible, tax advantaged way to invest for education expenses. We work with you to plan for the appropriate funding and allocation strategies to help meet future needs of your loved ones attending college.
Estate Planning Strategies
Often the hardest part of estate planning is just having the conversation. Our team will help you open the lines of communication with your family to help ensure the needs and goals of everyone are addressed. With our help, clients can be confident that their legacy will be preserved and passed on according to their wishes.
Cash Management and Lending Solutions
Accessing capital at the right time can be crucial for seizing opportunities or overcoming unexpected financial challenges. We provide access to Cash Managenment and lending solutions.
Alternative Investments
Our leading alternatives platform offers 160+ third party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes, and generate income-while maintaining a goals-based approach for asset allocation.
Equity Compensation
Understanding Your Equity Compensation
Equity Compensation can be a significant part of your compensation package and understanding how your stock option plan works is the first step. Our clients turn to us with questions about their equity compensation and how it can play a big role in reaching their financial ambitions. We believe in educating our clients and walking them through their options that best align with their goals.
How We Can Help
As your career evolves so will your compensation structure. We provide a wide variety of services to help manage your equity compensation and integrate your equity award into your broader financial plan. Whether it is a need for short term liquidity or long-term diversification we work alongside you to leverage your equity compensation to enhance your financial picture.
We work hard to help you navigate the tax and legal considerations associated with your specific equity awards. From RSUs to vested units, we answer client questions about the best approach to implementing their equity awards to better supplement their financial plan.
Taxes Matter. So Does Planning.
Sound investment advice is only the first step in a financial plan. We believe in taking a holistic approach to your finances and taking into consideration the tax implications of your portfolio can help maximize returns.
With the use of Morgan Stanley's Total Tax 365 platform. we implement tax-efficient investing strategies on the foundation of three core ideas - Tax-Loss Harvesting, Tax-Smart Planning, and Tax-Smart Gifting. Implementing a tax efficient strategy can help you keep more of the wealth you worked hard to build.
Areas of Focus
- Direct Indexing
- Tax Loss Harvesting
- Exchange Funds
- Municipal Solutions
- Mutual Fund Distributions
- Charitable Giving
- Tax Smart Withdrawals
Location
21250 Hawthorne Blvd
Ste 650
Torrance, CA 90503
US
Direct:
(310) 906-6801(310) 906-6801
Meet The Equitas Group
Thomas Kleinhen
Senior Vice President, Financial Advisor
Phone:
(310) 543-0260(310) 543-0260
Chris Kleinhen
Associate Vice President, Wealth Management, Financial Advisor
Phone:
(310) 543-0261(310) 543-0261
Narine Butler
Financial Advisor
Phone:
(310) 543-0205(310) 543-0205
Narine Butler
Financial Advisor Trainee
Phone:
(310) 543-0205(310) 543-0205
Nina McCoy
Portfolio Associate
Phone:
(310) 543-0204(310) 543-0204
About Bruce Attig
My investment career began in 1988 on the floor of the Chicago Board of Options Exchange as a market maker clerk. This career path led me to positions as a financial futures trader (for a Japanese bank) and an investment banker (for a regional West Coast firm). In 1999 I decided to channel this experience into working with individual clients as a Wealth Advisor. I received a Certified Investment Management Analyst (CIMA) accreditation at the Wharton Executive Program and focused my skills on helping entrepreneurs, physicians and corporate executives achieve their long-term goals.
I am happily married to my wife, Lynn, and we have two adult married children. Most of our time is spent in Redondo Beach, but I also manage a small cattle ranch on California’s Central Coast. The ranch has been beneficial to the longevity of an investment management career because it allows me to be regularly refreshed and grounded through my agricultural roots.
I am happily married to my wife, Lynn, and we have two adult married children. Most of our time is spent in Redondo Beach, but I also manage a small cattle ranch on California’s Central Coast. The ranch has been beneficial to the longevity of an investment management career because it allows me to be regularly refreshed and grounded through my agricultural roots.
Securities Agent: IL, MI, LA, VT, UT, OH, NM, MN, DE, NY, MT, CT, WA, TX, OR, CA, AZ, VA, NJ, DC, WI, GA, SC, RI, MA, HI, NH, IA, FL, CO, NV, MD; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1255433
NMLS#: 1255433
About Thomas Kleinhen
After graduating from Harvard College in 1977, I started a career in management consulting in Boston, culminating with a return to Harvard Business School from 1984 – '86 to get my MBA, and then I worked with McKinsey & Company until 1989. It was at that time that I decided I would join my father at Dean Witter and begin advising high net worth individuals and not-for-profit institutions instead of major corporations. Over the years, our team has grown and I am especially pleased that my son, Chris, joined Morgan Stanley in 2021 and is now an integral part of our practice. Together, as a team, we work with our clients to help them articulate their multiple objectives, risk tolerances and time horizons and create customized Investment Plans designed to realize their financial and non-financial goals and dreams.
Outside of the office, my wife Lisa and I enjoy traveling with friends and family. Some of our favorite spots are New Hampshire & Vermont; Maui; Florence, Italy; Adelaide, Australia (where Lisa’s family lives), and beautiful Sacramento, where our two adorable grandchildren live. We have recently started playing golf on a regular basis, but we don’t take it too seriously.
Outside of the office, my wife Lisa and I enjoy traveling with friends and family. Some of our favorite spots are New Hampshire & Vermont; Maui; Florence, Italy; Adelaide, Australia (where Lisa’s family lives), and beautiful Sacramento, where our two adorable grandchildren live. We have recently started playing golf on a regular basis, but we don’t take it too seriously.
Securities Agent: DC, CT, NH, MA, LA, AZ, UT, IA, SC, NV, DE, WI, RI, FL, VT, HI, GA, CA, VA, TX, NY, MN, IL, CO, WA, MT, MI, NM, OR; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1370420
NMLS#: 1370420
About Chris Kleinhen
After graduating from Harvard in 2010, I embarked on a career as a software engineer and then product manager in tech. My search for high-growth early-stage companies led me to start-ups in Boston, Washington DC, and San Francisco. One of the start-ups (Opower) went public, which was a fantastic experience. Leading up to the pandemic, I took a sabbatical where I taught kids how to code and later taught adults yoga across Mexico, Colombia, Bolivia and Chile. It was during this time that I decided to make a career shift and work with my father as a Financial Advisor. I was compelled by the idea of getting to work with family and getting to help other families achieve their financial and non-financial goals. Given my unique understanding of the tech industry, I currently advise many tech employees and I focus on financial planning and portfolio construction.
I love to travel and explore new cultures when I’m not at work. Wanderlust is baked into my DNA – I was born in Melbourne, Australia and as a dual citizen I’ve always been fascinated by experiencing new cultures. Over the past few years, I hiked the “O” trek in Patagonia, lived in a salsa dancing studio in Colombia, explored deep into the Amazon rainforest and spent time at a yoga Ashram. I continue to be a yoga and meditation teacher and a salsa and bachata enthusiast. And, as a fluent Spanish speaker, I enjoy connecting with people from all walks of life.
I love to travel and explore new cultures when I’m not at work. Wanderlust is baked into my DNA – I was born in Melbourne, Australia and as a dual citizen I’ve always been fascinated by experiencing new cultures. Over the past few years, I hiked the “O” trek in Patagonia, lived in a salsa dancing studio in Colombia, explored deep into the Amazon rainforest and spent time at a yoga Ashram. I continue to be a yoga and meditation teacher and a salsa and bachata enthusiast. And, as a fluent Spanish speaker, I enjoy connecting with people from all walks of life.
Securities Agent: TX, NY, PR, NV, WA, UT, HI, DC, CA, VA, SC, FL, AZ, VT, NM, MN, MA, RI, NH, WI, MT, NC, GA, DE, OR, IA, CT, MI, IL, CO, LA; General Securities Representative; Investment Advisor Representative
NMLS#: 2331713
NMLS#: 2331713
About Narine Butler
My career with Morgan Stanley started back in 1996 (then called Dean Witter) and since then I’ve worn many hats within the firm. I started as a customer service associate in Woodland Hills while still attending CSUN, then moved to Northridge as Branch Managers Assistant. I moved on to become an Operations Manager, Branch Managers Admin and eventually a Complex Operations Manager at various branches across Southern California. Eight years ago I finally found my home within the Equitas group in Torrance.
I moved to the United States when I was 7 years old from Sochi. My first languages are Russian and Armenian, though you would never know it! When I’m not at work, I enjoy spending time with my husband, two boys and dog JoJo at our home in Hermosa Beach. My kids play lacrosse, so I often find myself traveling to fun tournaments around the country.
I moved to the United States when I was 7 years old from Sochi. My first languages are Russian and Armenian, though you would never know it! When I’m not at work, I enjoy spending time with my husband, two boys and dog JoJo at our home in Hermosa Beach. My kids play lacrosse, so I often find myself traveling to fun tournaments around the country.
Securities Agent: PR, CA, RI, CO, AL, VT, NV, NM, MO, IN, HI, AZ, IA, MI, FL, WI, OR, NY, NH, LA, GA, DE, IL, CT, WA, TX, OH, NC, MT, AK, VA, UT, SC, PA, OK, MA, NJ, MN, MD, KY, KS, ID, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 2696293
NMLS#: 2696293
About Narine Butler
My career with Morgan Stanley started back in 1996 (then called Dean Witter) and since then I’ve worn many hats within the firm. I started as a customer service associate in Woodland Hills while still attending CSUN, then moved to Northridge as Branch Managers Assistant. I moved on to become an Operations Manager, Branch Managers Admin and eventually a Complex Operations Manager at various branches across Southern California. Eight years ago I finally found my home within the Equitas group in Torrance.
I moved to the United States when I was 7 years old from Sochi. My first languages are Russian and Armenian, though you would never know it! When I’m not at work, I enjoy spending time with my husband, two boys and dog JoJo at our home in Hermosa Beach. My kids play lacrosse, so I often find myself traveling to fun tournaments around the country.
I moved to the United States when I was 7 years old from Sochi. My first languages are Russian and Armenian, though you would never know it! When I’m not at work, I enjoy spending time with my husband, two boys and dog JoJo at our home in Hermosa Beach. My kids play lacrosse, so I often find myself traveling to fun tournaments around the country.
Securities Agent: PR, CA, RI, CO, AL, VT, NV, NM, MO, IN, HI, AZ, IA, MI, FL, WI, OR, NY, NH, LA, GA, DE, IL, CT, WA, TX, OH, NC, MT, AK, VA, UT, SC, PA, OK, MA, NJ, MN, MD, KY, KS, ID, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 2696293
NMLS#: 2696293
About Nina McCoy
I began my Financial Services Career in 1987 with a Midwest Bank in Davenport, Iowa. I started in the processing center and then to a branch office as a New Accounts Representative. After moving home to California in 1990, I continued to work in the Banking Industry and then transitioned into the Investment industry in 1998 with a Nationwide Investment Firm. I joined Morgan Stanley in 2006 and obtained my Series 7 and Series 66 Licenses. I am a designated Portfolio Associate for my office at Morgan Stanley.
I have been married to my husband Raymie for 25 years and we own a 100-year-old home that we love. We are big Country Western Dancers and we love to travel when we can. We have two fur babies we adore and love our community.
I have been married to my husband Raymie for 25 years and we own a 100-year-old home that we love. We are big Country Western Dancers and we love to travel when we can. We have two fur babies we adore and love our community.
Contact Bruce Attig
Contact Thomas Kleinhen
Contact Chris Kleinhen
Contact Narine Butler
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Molly Sakahara, CFP®
Financial Planning Director, Assistant Vice President
About Molly Sakahara
Molly Sakahara is an Assistant Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in the Los Angeles area. She is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Molly began her career in financial services in 1999 and joined Morgan Stanley in 2015. Prior to her current position, she held positions in wealth management and private banking with an emphasis on helping individuals achieve long term life goals and understanding client’s value system in relation to their wealth.
Molly graduated from UCLA and holds her Certified Financial Planner® designation, California insurance state licensing, and Series 7 and 65. She currently resides in South Pasadena, California with her spouse and two children. Outside of work, she is a squash coach at PlayLA, a committee volunteer with UCLA Chancellor’s Society, is the founder and administrator of Buy Nothing Group for her local city, and serves on the Board of Directors for SoCal Squash Association.
Molly began her career in financial services in 1999 and joined Morgan Stanley in 2015. Prior to her current position, she held positions in wealth management and private banking with an emphasis on helping individuals achieve long term life goals and understanding client’s value system in relation to their wealth.
Molly graduated from UCLA and holds her Certified Financial Planner® designation, California insurance state licensing, and Series 7 and 65. She currently resides in South Pasadena, California with her spouse and two children. Outside of work, she is a squash coach at PlayLA, a committee volunteer with UCLA Chancellor’s Society, is the founder and administrator of Buy Nothing Group for her local city, and serves on the Board of Directors for SoCal Squash Association.
Important information about your relationship with your Financial Advisor and Morgan Stanley Smith Barney LLC when using a Financial Planning tool. When your Financial Advisor prepares a Financial Plan, they will act in an investment advisory capacity for thirty (30) days after the delivery of your Financial Plan. To understand the differences between brokerage and advisory relationships, you should consult your Financial Advisor, or review our “Understanding Your Brokerage and Investment Advisory Relationships,” brochure available at https://www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
You have sole responsibility for making all investment decisions with respect to the implementation of a Financial Plan. You may implement the Financial Plan at Morgan Stanley or at another firm. If you engage or have engaged Morgan Stanley, it will act as your broker, unless you ask it, in writing, to act as your investment adviser on any particular account.
Morgan 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.
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.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact The Equitas Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Alternative 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.
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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
8Morgan 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.
9Morgan 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.
10Morgan 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.
11When 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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For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Alternative 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.
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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
8Morgan 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.
9Morgan 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.
10Morgan 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.
11When 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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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 | Morgan Stanley
CRC 4665150 (8/2025)
