Phone:
(502) 394-4029(502) 394-4029
The Eravest Group at Morgan Stanley
Direct:
(502) 394-4029(502) 394-4029
Toll-Free:
(855) 502-9642(855) 502-9642
Our Mission Statement
Our family office approach helps you transform wealth's twists and turns into a straightforward path to success.
Our Story
At The Eravest Group, your vision for the future is our daily pursuit.
Our clients are go-getters with an entrepreneurial spirit — leaders in their respective fields driven by long-term, impact-oriented goals. Our mission is to harness that drive, aligning your wealth and aspirations to help you achieve meaningful financial success and a multigenerational legacy of excellence.
We pride ourselves on our family office approach, offering bespoke solutions far beyond traditional wealth management. It begins with a simple question: What are your priorities? Whether it's establishing a family legacy, making a community impact, or planning for retirement, these are complex issues. Our talent is to make these complexities straightforward by building comprehensive plans that integrate everything from tax-efficient estate planning and charitable giving strategies to cash management strategies. We cement our plans into legacies by holding family meetings and providing opportunities for the next generation to learn and ask questions. We also collaborate with your family network of accountants and attorneys to help align all the levers of your financial life.
With decades of combined experience, our team blends deep industry knowledge with a youthful energy and creative problem-solving approach. Our credentials include:
• CERTIFIED FINANCIAL PLANNER™
• Chartered Retirement Planning Counselor®
• Qualified Plan Financial Consultant
• Masters of Business Administration
Over the years, we’ve also received top industry awards, most recently including Forbes’ Best-in-State Wealth Management Team in 2024.
If you’re looking to elevate your wealth management experience with precision and care, for decades and generations to come — please call us at (502) 394-4029.
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/23.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Our clients are go-getters with an entrepreneurial spirit — leaders in their respective fields driven by long-term, impact-oriented goals. Our mission is to harness that drive, aligning your wealth and aspirations to help you achieve meaningful financial success and a multigenerational legacy of excellence.
We pride ourselves on our family office approach, offering bespoke solutions far beyond traditional wealth management. It begins with a simple question: What are your priorities? Whether it's establishing a family legacy, making a community impact, or planning for retirement, these are complex issues. Our talent is to make these complexities straightforward by building comprehensive plans that integrate everything from tax-efficient estate planning and charitable giving strategies to cash management strategies. We cement our plans into legacies by holding family meetings and providing opportunities for the next generation to learn and ask questions. We also collaborate with your family network of accountants and attorneys to help align all the levers of your financial life.
With decades of combined experience, our team blends deep industry knowledge with a youthful energy and creative problem-solving approach. Our credentials include:
• CERTIFIED FINANCIAL PLANNER™
• Chartered Retirement Planning Counselor®
• Qualified Plan Financial Consultant
• Masters of Business Administration
Over the years, we’ve also received top industry awards, most recently including Forbes’ Best-in-State Wealth Management Team in 2024.
If you’re looking to elevate your wealth management experience with precision and care, for decades and generations to come — please call us at (502) 394-4029.
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based for the period 3/31/22-3/31/23.
https://www.morganstanley.com/disclosures/awards-disclosure.html
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Discover: Your relationship with each of us on The Eravest Group begins with active listening to gain a thorough understanding of your needs, lifestyle, family, and your goals for the future. We work with YOU to quantify and analyze investments, personal assets and liabilities, current portfolio allocation, assets earmarked for specific goals, and current income and savings as well as anticipated future spending and income.
Create: We work with you to develop a road map to help you meet your long-term goals and objectives. We are anchored by long-term integrated investment plans; we strive to be tax aware, fee efficient, and transparent, and optimize the customized plan across assets, liabilities, spending, and estate planning needs.
Act: We implement your investment plan, retirement plan, trust services, cash management, and insurance solutions suited to your needs. We work with YOU to finalize agreed upon asset allocation and investment plans and schedule. We develop a family organizer for you and coordinate with your estate attorney and CPA to understand the account structure.
Adjust: Achieving your goals requires vigilance and flexibility. Together we help you monitor your progress and make adjustments as life evolves, markets and tax laws shift, and priorities change. We accomplish this by having quarterly or bi-annual strategy and tactical meetings with you and attending numerous continuing education programs with regards to the dynamics of investing. We keep the family organizer thorough and current, and update YOUR financial plan to reflect key events in your life.
Create: We work with you to develop a road map to help you meet your long-term goals and objectives. We are anchored by long-term integrated investment plans; we strive to be tax aware, fee efficient, and transparent, and optimize the customized plan across assets, liabilities, spending, and estate planning needs.
Act: We implement your investment plan, retirement plan, trust services, cash management, and insurance solutions suited to your needs. We work with YOU to finalize agreed upon asset allocation and investment plans and schedule. We develop a family organizer for you and coordinate with your estate attorney and CPA to understand the account structure.
Adjust: Achieving your goals requires vigilance and flexibility. Together we help you monitor your progress and make adjustments as life evolves, markets and tax laws shift, and priorities change. We accomplish this by having quarterly or bi-annual strategy and tactical meetings with you and attending numerous continuing education programs with regards to the dynamics of investing. We keep the family organizer thorough and current, and update YOUR financial plan to reflect key events in your life.
Donor Advised Funds (DAF)
A solution that may help you execute planned giving, offer an efficient way to donate complex and illiquid assets, and simplify charitable giving reporting while potentially mitigating taxes. Bring philanthropy into your wealth plan and help amplify the impact of your giving through the Morgan Stanley Global Impact Funding Trust (MS GIFT).
MS GIFT
With a recent study showing that 70% of wealthy families lose their wealth by the second generation –– it’s no wonder that parents worry about their legacy. Because while you can do everything right to build it, smart decisions also have to be made to preserve it.
Our team helps you and your loved ones do just that: build AND preserve.
Over the years, we’ve been fortunate to work with our clients across two and even three generations. During that time, we’ve helped them support their loved ones’ educations. We’ve helped them establish family foundations, pass on their trusts, and make charitable gifts.
One thing we’ve noticed is that young adults can get themselves into trouble when they take on too much liability––from student loans to mortgages––without first having the necessary assets to make paying off those debts sustainable. Another common challenge is the young professional who suddenly, for the first time, has a high-earning job, and doesn’t know how to invest that money.
This is why we place such an emphasis on education. At the end of the day, we want to help your kids and grandkids gain a full understanding of the disciplined, long-term perspective that built your legacy in the first place. So they can continue to grow it for generations to come.
Our team helps you and your loved ones do just that: build AND preserve.
Over the years, we’ve been fortunate to work with our clients across two and even three generations. During that time, we’ve helped them support their loved ones’ educations. We’ve helped them establish family foundations, pass on their trusts, and make charitable gifts.
One thing we’ve noticed is that young adults can get themselves into trouble when they take on too much liability––from student loans to mortgages––without first having the necessary assets to make paying off those debts sustainable. Another common challenge is the young professional who suddenly, for the first time, has a high-earning job, and doesn’t know how to invest that money.
This is why we place such an emphasis on education. At the end of the day, we want to help your kids and grandkids gain a full understanding of the disciplined, long-term perspective that built your legacy in the first place. So they can continue to grow it for generations to come.
Location
4969 US Highway 42
Suite 1000
Louisville, KY 40222
US
Direct:
(502) 394-4029(502) 394-4029
Toll-Free:
(855) 502-9642(855) 502-9642
Meet The Eravest Group
Phone:
(502) 394-4073(502) 394-4073
Alex McClure
Financial Advisor
Phone:
(502) 394-4069(502) 394-4069
Michelle O'Neal, CRPC*
Business Development Director
Phone:
(502) 394-4021(502) 394-4021
Candace Howard
Client Service Associate
Phone:
(502) 394-4025(502) 394-4025
About Rada Halaseh
Rada Halaseh is a First Vice President, Qualified Plan Financial Consultant, and Chartered Retirement Planning Counselor® with The Eravest Group at Morgan Stanley. With over 17 years of industry experience backed by the global resources of Morgan Stanley –– she equips her clients with the tools and insights they need to help them thrive at every stage of life.
Originally from Jordan, Rada came to the United States at the age of sixteen to receive her bachelor’s degree from Spalding University. She went on to earn a Master’s Degree from Indiana University, Southeast while launching her career as a Senior Financial Advisor with Merrill Lynch Wealth Management. In 2022, she joined Morgan Stanley, earning the QPFC® and CRPC® designations. It’s this elite level of certification that allows her to provide creative, elegant strategies to help meet the complex challenges of high and ultra-high net worth families.
A s the team director of The Eravest Group, Rada focuses on empowering affluent executives, business owners, retirees, and multigenerational families through sophisticated financial planning and tax management strategies. Her goal is to help ensure every client’s wealth is managed with exceptional efficiency and effectiveness, so that each aspect of their financial life works in unison toward their long-term goals. By maintaining an exclusive client base, she is able to dedicate her full attention to each client, providing bespoke strategies that seek to transcend traditional financial planning. Passionate about philanthropy, Rada also focuses on helping her clients make a significant, lasting charitable impact. With strategic foresight and a global perspective, she helps to not only preserve wealth but to help build enduring legacies.
Outside the office, Rada lives in the Louisville Area. Besides English, she is fluent in Arabic. Committed to giving back, she serves on the board of Community Services Project –– a nonprofit that helps provide job opportunities for people living with disabilities –– as well as the Earth and Spirit Center. As one of the few women to lead a team in her region, she has also worked actively throughout her career to champion women’s leadership in the male-dominated wealth management industry.
Disclosure
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
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. 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.
Originally from Jordan, Rada came to the United States at the age of sixteen to receive her bachelor’s degree from Spalding University. She went on to earn a Master’s Degree from Indiana University, Southeast while launching her career as a Senior Financial Advisor with Merrill Lynch Wealth Management. In 2022, she joined Morgan Stanley, earning the QPFC® and CRPC® designations. It’s this elite level of certification that allows her to provide creative, elegant strategies to help meet the complex challenges of high and ultra-high net worth families.
A s the team director of The Eravest Group, Rada focuses on empowering affluent executives, business owners, retirees, and multigenerational families through sophisticated financial planning and tax management strategies. Her goal is to help ensure every client’s wealth is managed with exceptional efficiency and effectiveness, so that each aspect of their financial life works in unison toward their long-term goals. By maintaining an exclusive client base, she is able to dedicate her full attention to each client, providing bespoke strategies that seek to transcend traditional financial planning. Passionate about philanthropy, Rada also focuses on helping her clients make a significant, lasting charitable impact. With strategic foresight and a global perspective, she helps to not only preserve wealth but to help build enduring legacies.
Outside the office, Rada lives in the Louisville Area. Besides English, she is fluent in Arabic. Committed to giving back, she serves on the board of Community Services Project –– a nonprofit that helps provide job opportunities for people living with disabilities –– as well as the Earth and Spirit Center. As one of the few women to lead a team in her region, she has also worked actively throughout her career to champion women’s leadership in the male-dominated wealth management industry.
Disclosure
Morgan Stanley Smith Barney LLC 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 visit us at http://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
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. 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.
Securities Agent: OR, WV, MS, WA, VA, NH, MO, IL, OH, MD, AK, NY, MI, CT, CA, WY, TN, GA, AZ, KS, IA, UT, NE, MT, IN, FL, DC, SC, KY, CO, NC, MA, PA, TX; General Securities Representative; Investment Advisor Representative
NMLS#: 510998
NMLS#: 510998
About W Tyler Speer
Tyler Speer is a Financial Advisor and CERTIFIED FINANCIAL PLANNER™ with The Eravest Group at Morgan Stanley. He is dedicated to crafting personalized financial strategies that help high net worth individuals, business owners, and families achieve their most ambitious goals.
A graduate of the University of Kentucky with a Bachelor’s degree in Finance and Economics, Tyler went on to earn his Master’s in Business Administration (MBA) from the University of Louisville. In 2014, he began his career in the financial services industry, serving on an office management team that supervised six branch offices and 143 registered associates. This experience exposed him to a variety of client service approaches, sharpening his strategic thinking and informing his unique, client-centric methodology that he brought to his current role in 2018.
Driven by a passion for financial problem-solving, Tyler primarily focuses on helping clients design comprehensive financial plans that address goals spanning decades and generations. His approach begins with listening to a client’s unique needs and ensuring every strategy is grounded in their specific objectives. As a CERTIFIED FINANCIAL PLANNER™ (CFP®), he draws on his experience to provide clients with comprehensive guidance, covering the five pillars of financial planning: tax planning, insurance planning, retirement planning, estate planning strategies, and portfolio management. At the end of the day, his goal is to put a new lens across his clients' financial lives, helping to empower them to envision and achieve their long-term aspirations with precision.
Outside the office, Tyler lives in Louisville with his wife, Julie, and their three sons. They are active in the community, supporting the Catholic Education Foundation, the University of Louisville business school, Home of the Innocents, Saint Mary Academy School, and Saint Bernadette Parish.
A graduate of the University of Kentucky with a Bachelor’s degree in Finance and Economics, Tyler went on to earn his Master’s in Business Administration (MBA) from the University of Louisville. In 2014, he began his career in the financial services industry, serving on an office management team that supervised six branch offices and 143 registered associates. This experience exposed him to a variety of client service approaches, sharpening his strategic thinking and informing his unique, client-centric methodology that he brought to his current role in 2018.
Driven by a passion for financial problem-solving, Tyler primarily focuses on helping clients design comprehensive financial plans that address goals spanning decades and generations. His approach begins with listening to a client’s unique needs and ensuring every strategy is grounded in their specific objectives. As a CERTIFIED FINANCIAL PLANNER™ (CFP®), he draws on his experience to provide clients with comprehensive guidance, covering the five pillars of financial planning: tax planning, insurance planning, retirement planning, estate planning strategies, and portfolio management. At the end of the day, his goal is to put a new lens across his clients' financial lives, helping to empower them to envision and achieve their long-term aspirations with precision.
Outside the office, Tyler lives in Louisville with his wife, Julie, and their three sons. They are active in the community, supporting the Catholic Education Foundation, the University of Louisville business school, Home of the Innocents, Saint Mary Academy School, and Saint Bernadette Parish.
Securities Agent: WA, WY, VA, UT, TX, SC, OR, OH, NV, NJ, NC, MS, MO, MI, MD, MA, KY, KS, IN, IL, GA, FL, DE, DC, CT, CO, CA, AZ, AL, AK, TN, NY, NH; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1749455
NMLS#: 1749455
About Alex McClure
Alex joins Morgan Stanley from Cerity Partners (Formerly Argi), where he was a member of the trading and investment team. He is a Client Service Associate. He will be working closely with the team on portfolio analysis, market research, as well as alternative investment positioning. Prior to starting in the wealth management industry, he worked nearly a decade in automotive engineering, most recently as a project manager leading the development of new, more efficient, exhaust systems. Alex is a Louisville native, graduating from St. Xavier before attending Colgate University. He is currently pursuing an MBA from Indiana University Southeast.
Securities Agent: TN, MI, ID, FL, VT, OH, NY, MS, MO, ME, KY, CA, AR, NC, MD, KS, GA, DC, AK, PA, NV, IN, IL, HI, OR, AL, MT, LA, WY, WA, SC, OK, NH, IA, CT, AZ, NM, NJ, MA, TX, CO, WV, VA, UT, MN; General Securities Representative; Investment Advisor Representative
About Michelle O'Neal
Michelle attended IUS and began her career in 1992 with Hilliard Lyons working in various capacities. In 2000, she joined Merrill Lynch and in 2022 began working with Morgan Stanley as the team’s Business Development Director.
Michelle resides in Louisville with her husband, Ed and Labrador, Lyla. Together they have a son and daughter, Corey and Lindsey. Michelle loves spending time with her four grandchildren. In her free time, you can find her at dance recitals, ball games and traveling the country with family. Michelle also volunteers on the Board with River City Turners – a non-profit offering a safe place for young kids in south Louisville to maintain a healthy and active lifestyle.
*This role cannot solicit or provide investment advice.
Michelle resides in Louisville with her husband, Ed and Labrador, Lyla. Together they have a son and daughter, Corey and Lindsey. Michelle loves spending time with her four grandchildren. In her free time, you can find her at dance recitals, ball games and traveling the country with family. Michelle also volunteers on the Board with River City Turners – a non-profit offering a safe place for young kids in south Louisville to maintain a healthy and active lifestyle.
*This role cannot solicit or provide investment advice.
About Candace Howard
Candace attended Western Kentucky University and began her career in the Financial Industry in 2005. She is very passionate about her work and providing a tailored experience for her clients. She truly enjoys the relationship building that is involved in Wealth Management.
Candace resides in Simpsonville, Kentucky with her husband, Dave and their two children, Declan and Fiona. Candace enjoys spending time with her family, her animals, and being outdoors. Candace also spends her free time volunteering within the Agriculture Community and at The dePaul School of Louisville.
Candace resides in Simpsonville, Kentucky with her husband, Dave and their two children, Declan and Fiona. Candace enjoys spending time with her family, her animals, and being outdoors. Candace also spends her free time volunteering within the Agriculture Community and at The dePaul School of Louisville.
Contact Rada Halaseh
Contact W Tyler Speer
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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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Working closely with you to guide your wealth and investments through the most challenging market cycles.
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Creating customized financial strategies for the challenges that today’s families face.
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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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Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
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- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Eravest Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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.
5Products 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.
6When 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.
7Morgan 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
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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.
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The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan 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.
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.
5Products 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.
6When 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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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.
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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.
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Awards Disclosures
CRC 6491812 (04/2024)
