Maria A. Staffiere
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(617) 570-2988(617) 570-2988
The Falco Staffiere Martin Group at Morgan Stanley
Our Mission Statement
We work alongside our clients and their families to design a dynamic financial life plan that will provide peace of mind for today and future generations.
Our Story and Services
Kerry, Maria, and Ken have worked with clients and their families for multiple generations. We have built and implemented goal-based financial plans with customized investment strategies for hundreds of entrepreneurs and executives at publicly traded companies. We take the time to get to know our clients, their life situation and financial goals to personalize a financial plan that centers on what matters most to our clients.
We view our primary role as your financial advisors as two-fold:
- To use our extensive experience as proactive advisors, technical knowledge of the markets, and vast array of Morgan Stanley resources to help our clients solve their most important financial decisions.
- To continuously work together with our clients and their families to help keep them on track, through life changes and all market cycles, to reach their personal, long-term financial goals.
Services Include
- Wealth ManagementFootnote1
- Alternative InvestmentsFootnote2
- Estate Planning StrategiesFootnote3
- Philanthropic ManagementFootnote4
- Business Succession PlanningFootnote5
- Cash Management and Lending ProductsFootnote6
- Divorce Financial AnalysisFootnote7
- Corporate Retirement PlansFootnote8
- Executive Financial ServicesFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Clients
At The Falco Staffiere Martin Group, we work with a broad range of clients from all walks of life. By getting to know you personally, through leveraging the experience of our team and a global investment firm, we have become our clients direct point of contact. We strive to provide financial solutions to give you peace of mind and financial security.
Multi-Generational Families
We have worked with our clients for more than 35 years. This experience has naturally led us to engage with the next generation of family members. As wealth is generated and preserved, we develop an inter-generational, customized financial and estate plan. This comprehensive plan takes into account the life and goal structure of each generation and is developed to help you achieve your unique vision of a successful life and legacy for both you and your extended family.
Our ideas and solutions are centered around providing tax efficient asset transfers, while managing the risk of the markets. It is all part of a financial process that will allow you to focus on your family and your life, and what matters most to you.
Our ideas and solutions are centered around providing tax efficient asset transfers, while managing the risk of the markets. It is all part of a financial process that will allow you to focus on your family and your life, and what matters most to you.
Senior Executives
We work with many senior executives at publicly-traded companies, and understand the complexities of equity-based compensation involving stock options, restricted stock and performance shares. We will help you understand how the stock fits in your overall financial plan, and provide a framework for decision making.
Our ideas and solutions are centered around providing liquidity, helping you manage the concentrated holding, maximizing the after-tax value of the award and mitigating risks and costs. It is all part of a financial process that will allow you to focus on your job and career, and what matters most to you.
Our ideas and solutions are centered around providing liquidity, helping you manage the concentrated holding, maximizing the after-tax value of the award and mitigating risks and costs. It is all part of a financial process that will allow you to focus on your job and career, and what matters most to you.
Female Executives
Through a thoughtful and expanded planning process, we have built and helped implement many financial life plans for female executives across all industries. Your plan will be a reflection of you, your career, your family and your life goals.
Through the coordination of executive benefits, stock plans and your financial resources, we will provide a wealth management plan that is tax efficient. With the large global investment platform at Morgan Stanley, your investment portfolio will be diverse, flexible and will be developed to meet your time frames and risk tolerance profile.
It is all part of a financial process that will allow you to focus on your job, your career, your family and what matters most to you.
Through the coordination of executive benefits, stock plans and your financial resources, we will provide a wealth management plan that is tax efficient. With the large global investment platform at Morgan Stanley, your investment portfolio will be diverse, flexible and will be developed to meet your time frames and risk tolerance profile.
It is all part of a financial process that will allow you to focus on your job, your career, your family and what matters most to you.
Retirees
For most clients, retirement is a primary financial goal. The process to reach retirement requires foresight, planning and dedication. Questions will intensify the closer you get to retirement. Our job is to work side-by-side with you and put you on the right financial path. We do this by tailoring a holistic financial plan to fit your circumstances and goal, and then help execute the plan.
You can be confident that we will be there with you every step of the way - to get you started, and to keep you on track for the inevitable life and market changes that will occur. Our team of professionals is dedicated to helping you experience a successful retirement.
You can be confident that we will be there with you every step of the way - to get you started, and to keep you on track for the inevitable life and market changes that will occur. Our team of professionals is dedicated to helping you experience a successful retirement.
Next Generation
We devote time and resources to helping a select group of the next generation of industry leaders with structuring wealth management plans to navigate complex compensation and stock plan structures, real estate acquisition, the complexities of a growing family, all within the constraints of a busy life.
By beginning this process early, we’re able to accelerate outcomes and provide a relationship and breadth of services that grow as you do.
By beginning this process early, we’re able to accelerate outcomes and provide a relationship and breadth of services that grow as you do.
Our Five Step Approach
We dedicate time to develop a well-thought out personalized financial plan that is driven by effective management and portfolio development.
Step One: Define & Articulate Goals
With time and attentive listening, we help you define and prioritize your personal financial goals to fulfill your financial and generational aspirations.
Step Two: Identify & Quantify Current Resources
We assist our clients in gathering and quantifying their available resources that will be used to fund their stated goals.
Step Three: Create a Cash Flow Based/Monte Carlo Tested Financial Plan
With a variety of innovative tools and planning software at our disposal, we will develop a tailored financial plan that is Monte Carlo tested. This helps assist you in aligning your current and future assets to meet your short and long term financial goals.
Step Four: Create Strategies, Design Asset Allocations & Implement Portfolios
Each client is different, so each financial strategy should be as well. We design an asset allocation based upon your risk tolerance, time horizon, and overall financial goals.
Our asset allocation models will be composed of exclusive, high-performing investment managers in each asset class: Equities, Fixed Income, Alternative Investments, and Cash Solutions.
Our asset allocation models will be composed of exclusive, high-performing investment managers in each asset class: Equities, Fixed Income, Alternative Investments, and Cash Solutions.
Step Five: Monitor Plan, Asset Allocation & Portfolio Managers
We will continously monitor, update, and adjust your financial plan, asset allocation, and investment portfolio as your goals evolve and change. Additionally, we will utilize research-based, proprietary market data to make adjustments that align with the current economic conditions,
Innovative Tools & Resources
Our comprehensive suite of innovative tools and financial services, paired with our client-centric approach, is designed to help enhance every aspect of your financial life. These are a few of the many technologies and services that differentiate us for others to help create a more holistic and exceptional client experience.
Financial Planning Technology
Our team utilizes proprietary planning technology to create a Monte Carlo tested Financial Plan for your portfolio. Through use of the Goals Planning System & LifeView Planning Software, we are able to test your strategy against future market conditions, and provide solutions to help reach your financial goals.
Learn More
Trust Tax & Estate Planning
Estate Planning is a critical part of every financial plan, and here at Morgan Stanley, we prioritize it when finding solutions to our clients long-term goals.
This guide provides talking points and ideas to consider when discussing estate planning with your estate attorney and your family.
Learn MoreThis guide provides talking points and ideas to consider when discussing estate planning with your estate attorney and your family.
Morgan Stanley Impact Quotient (MSIQ)
We offer an innovative tool that allows you to fulfill your goals of sustainable and impactful investing by tailoring a solution centered around your goals to make a difference.
Morgan Stanley Impact Quotient uses patented technology to identify and prioritize a clients environmental, social, and governance preferences to align them with the best investment solutions to meet those goals.
Learn MoreMorgan Stanley Impact Quotient uses patented technology to identify and prioritize a clients environmental, social, and governance preferences to align them with the best investment solutions to meet those goals.
Equity Compensation
With experience in dealing with equity compensation plans, our team is here to walk you through the details and how it fits into your specific financial plan.
Learn More
Cash Management
Morgan Stanley provides more than just an investment solutions hub, it also has a suite of cash management solutions to fit your day-to-day banking needs. We allow our clients to manage their banking and investment solutions all under the same platform, thereby simplifying the finances in their lives.
Learn More
Data Security Systems
Morgan Stanley puts your privacy and security at the forefront of all our operations, transactions, and communications. With strong encryption resources, security protocols, and continous monitoring of potential risk and fraud threats, you can be confident that you and your information is protected.
Learn More
Retirement Rollover Guide
Do you have a retirement plan that you are thinking of rolling over?
We are here to help guide you through the process of doing so. Retirement Planning often times is centered around your pre-retirement savings via IRA and employer-sponsored plans. Let us help lead you towards financial freedom during retirement.
Learn MoreWe are here to help guide you through the process of doing so. Retirement Planning often times is centered around your pre-retirement savings via IRA and employer-sponsored plans. Let us help lead you towards financial freedom during retirement.
Portfolio Research Software
We use insights from our research software platforms and from the Morgan Stanley Global Investment Committee to find the most efficient investment solutions for your portfolio. Our platforms allow us to monitor, mitigate, and manage risk factors in your solutions, while generating sustainable performance.
Learn MoreLocation
28 State Street
Fl
Boston, MA 02109
US
Direct:
(617) 570-9050(617) 570-9050
Meet The Falco Staffiere Martin Group
Phone:
(617) 570-2989(617) 570-2989
Kenneth J. Martin, CFP®, CRPC®
First Vice President, Financial Advisor, Family Wealth Advisor
Phone:
(617) 478-6441(617) 478-6441
Ryan C. LeClair, CFP®
Registered Associate, Financial Planning Specialist
Phone:
(617) 557-6932(617) 557-6932
Patricia Ransom
Client Service Associate
Phone:
(617) 478-6483(617) 478-6483
Dan Hurley
Senior Registered Associate
Phone:
(617) 735-6448(617) 735-6448
Sonya Pratt
Senior Client Service Associate
Phone:
(617) 570-2978(617) 570-2978
About Maria A. Staffiere
Maria is a Senior Vice President and Financial Advisor at Morgan Stanley wealth management. A seasoned and knowledgeable professional with more than 35 years of experience, Maria has spent her career working with clients to develop and implement a financial life plan that they may commit to through all market cycles. She advises, plans, and customizes portfolios designed to meet the needs of high-net-worth multi-generational families. Multi decade relationships enable her to help clients achieve their financial, charitable and life goals through the efficient deployment of their investment capital, based upon their personal value system.
Maria and her team joined Morgan Stanley in 2019 after 34 years with a Boston based RIA where she was Managing Director and Senior Financial Adviser. Morgan Stanley has provided her clients with the vast investment platform and client-centric resources of a highly regarded global wealth management firm.
Maria majored in Business Administration and Banking at Suffolk University. She is a Registered Life Planner with the Kinder Institute where she studied with George Kinder to incorporate client’s life aspirations into their financial plan.
Maria and her husband, Arthur, reside in Arlington, MA. They have two daughters and sons (in law) who live in the greater Boston area. Family interests include spending time together on the bayside beaches of Cape Cod, traveling to Europe and rehabbing residential real estate together. Maria has volunteered with Junior Achievement of Southern New England to teach money habits to grade school children.
Securities Agent: FL, AZ, WA, TN, SC, DE, MA, MT, NJ, MO, NY, WY, ME, MI, LA, VT, VA, TX, CA, RI, GA, IL, PA, MN, OH, NC, NM, NH, AL, CO, CT, WI; General Securities Representative; Investment Advisor Representative NMLS#: 1915566
Maria and her team joined Morgan Stanley in 2019 after 34 years with a Boston based RIA where she was Managing Director and Senior Financial Adviser. Morgan Stanley has provided her clients with the vast investment platform and client-centric resources of a highly regarded global wealth management firm.
Maria majored in Business Administration and Banking at Suffolk University. She is a Registered Life Planner with the Kinder Institute where she studied with George Kinder to incorporate client’s life aspirations into their financial plan.
Maria and her husband, Arthur, reside in Arlington, MA. They have two daughters and sons (in law) who live in the greater Boston area. Family interests include spending time together on the bayside beaches of Cape Cod, traveling to Europe and rehabbing residential real estate together. Maria has volunteered with Junior Achievement of Southern New England to teach money habits to grade school children.
Securities Agent: FL, AZ, WA, TN, SC, DE, MA, MT, NJ, MO, NY, WY, ME, MI, LA, VT, VA, TX, CA, RI, GA, IL, PA, MN, OH, NC, NM, NH, AL, CO, CT, WI; General Securities Representative; Investment Advisor Representative NMLS#: 1915566
Securities Agent: CA, NM, NV, WA, VT, RI, MI, OH, MD, DE, VA, TX, SC, NH, WY, WI, TN, PA, NJ, MN, MA, IL, CT, AZ, MO, LA, FL, NC, ME, NY, GA, CO, AL, UT, MT; General Securities Representative; Investment Advisor Representative
NMLS#: 1915566
NMLS#: 1915566
About Kerry P. Falco
Kerry is a Managing Director and Financial Advisor at Morgan Stanley wealth management. For more than 35 years, Kerry has helped wealth management clients achieve their most important financial goals through integrated financial planning, asset allocation and investment advice. His long-lasting client relationships are a testimony to his broad experience and technical skills as a trusted advisor, helping to keep clients on track for their long-term goals.
Prior to joining Morgan Stanley in 2019, Kerry was a Managing Director and Senior Financial Counselor at a regional RIA firm in the Boston area. Kerry worked primarily with executives at public companies, helping them to maximize the after-tax value of their executive stock and compensation plans.
Kerry graduated with a BS in Business Administration from the University of Vermont, and holds a Master’s Degree in Taxation, with distinction, from Bentley University.
Kerry lives with his wife Mary Jean in Wellesley, MA. He enjoys many activities such as golf and travel, but most of all spending time with his growing family and friends.
Securities Agent: MO, VA, OH, MT, NJ, VT, TN, AZ, MN, WY, CO, MA, RI, NM, PA, LA, FL, NC, NY, IL, CT, TX, DE, WA, NH, GA, SC, ME, CA, AL, MI, WI; General Securities Principal; General Securities Representative; Investment Advisor Representative NMLS#: 1908685
Prior to joining Morgan Stanley in 2019, Kerry was a Managing Director and Senior Financial Counselor at a regional RIA firm in the Boston area. Kerry worked primarily with executives at public companies, helping them to maximize the after-tax value of their executive stock and compensation plans.
Kerry graduated with a BS in Business Administration from the University of Vermont, and holds a Master’s Degree in Taxation, with distinction, from Bentley University.
Kerry lives with his wife Mary Jean in Wellesley, MA. He enjoys many activities such as golf and travel, but most of all spending time with his growing family and friends.
Securities Agent: MO, VA, OH, MT, NJ, VT, TN, AZ, MN, WY, CO, MA, RI, NM, PA, LA, FL, NC, NY, IL, CT, TX, DE, WA, NH, GA, SC, ME, CA, AL, MI, WI; General Securities Principal; General Securities Representative; Investment Advisor Representative NMLS#: 1908685
Securities Agent: CT, MO, MT, AL, MD, GA, WI, VT, NJ, NH, CO, ME, CA, DE, WA, OH, IL, NM, FL, VA, WY, PA, NY, RI, UT, AZ, LA, MA, MN, TX, TN, SC, NC, MI; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 1908685
NMLS#: 1908685
About Kenneth J. Martin
Ken is a CERTIFIED FINANCIAL PLANNER®, Financial Advisor at Morgan Stanley wealth management and former Attorney who assists a select group of individuals with complex financial planning, investment management, tax planning, estate planning strategies and wealth preservation. Additionally, Ken works with corporate clients providing comprehensive services related to defined contribution and defined benefit plans. Ken’s approach to wealth management and retirement planning is founded on his commitment to exceptional service, accessibility, and responsiveness.
Ken received a J.D., magna cum laude, from Suffolk University Law School in 1997. Prior to becoming a Financial Advisor, he was a Partner at Cooley Manion Jones LLP in Boston, Massachusetts. Ken began working as a Financial Advisor at Merrill Lynch in 2007 and joined Morgan Stanley in 2011.
Ken graduated cum laude from Brandies University and majored in History and American Studies. He also received a Master’s degree is Sport Management from the University of Massachusetts, Amherst.
Ken lives with his wife Deana and three children in North Andover, MA. He has volunteered with a number of charitable organizations in North Andover, including the North Andover Booster Club and the Joseph N. Herman Youth Center.
Securities Agent: WI, AZ, MN, FL, OH, LA, WY, DE, GA, MA, ME, MS, MO, MT, SC, TN, TX, VT, PA, WA, MI, CA, CO, VA, RI, NY, NM, NJ, NH, NC, IL, CT, AL; General Securities Representative; Investment Advisor Representative; Managed Futures NMLS#: 1370411
Ken received a J.D., magna cum laude, from Suffolk University Law School in 1997. Prior to becoming a Financial Advisor, he was a Partner at Cooley Manion Jones LLP in Boston, Massachusetts. Ken began working as a Financial Advisor at Merrill Lynch in 2007 and joined Morgan Stanley in 2011.
Ken graduated cum laude from Brandies University and majored in History and American Studies. He also received a Master’s degree is Sport Management from the University of Massachusetts, Amherst.
Ken lives with his wife Deana and three children in North Andover, MA. He has volunteered with a number of charitable organizations in North Andover, including the North Andover Booster Club and the Joseph N. Herman Youth Center.
Securities Agent: WI, AZ, MN, FL, OH, LA, WY, DE, GA, MA, ME, MS, MO, MT, SC, TN, TX, VT, PA, WA, MI, CA, CO, VA, RI, NY, NM, NJ, NH, NC, IL, CT, AL; General Securities Representative; Investment Advisor Representative; Managed Futures NMLS#: 1370411
Securities Agent: NC, CO, MN, TN, CT, SC, TX, VT, WI, IL, DE, CA, AL, FL, LA, MA, NH, RI, MD, OH, NY, NJ, GA, PA, WA, MO, UT, NM, MI, VA, MT, ME, WY, AZ, MS; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1370411
NMLS#: 1370411
About Ryan C. LeClair
Ryan LeClair is currently a Registered Associate and Financial Planning Specialist with Morgan Stanley. He is fully licensed with his SIE, Series 7, Series 66, and State Insurance & Annuity Licenses. Ryan recently obtainied his Certified Financial Planner (CFP® ) Designation at NYU.
He is a graduate of Fairfield University, where he pursued a Bachelor's Degree in Business Economics with a Double Minor in Finance and Mathematics at the Robert F. Charles Dolan School of Business. While at Fairfield, Ryan was an active member in the academic and athletic community as he served as a board member on the Fairfield University Finance, Economic, Investment and Community associations. He was also a captain of the club soccer and basketball teams while at Fairfield. Prior to his employment at Morgan Stanley, Ryan was a Financial Representative for Fidelity Investments out of West Hartford, CT.
In his free time, Ryan enjoys playing and watching sports, volunteering for veteran’s associations such as the Wounded Warrior Project, golfing with his friends, walking his two golden retrievers, and vacationing in the Cape and Florida.
He is a graduate of Fairfield University, where he pursued a Bachelor's Degree in Business Economics with a Double Minor in Finance and Mathematics at the Robert F. Charles Dolan School of Business. While at Fairfield, Ryan was an active member in the academic and athletic community as he served as a board member on the Fairfield University Finance, Economic, Investment and Community associations. He was also a captain of the club soccer and basketball teams while at Fairfield. Prior to his employment at Morgan Stanley, Ryan was a Financial Representative for Fidelity Investments out of West Hartford, CT.
In his free time, Ryan enjoys playing and watching sports, volunteering for veteran’s associations such as the Wounded Warrior Project, golfing with his friends, walking his two golden retrievers, and vacationing in the Cape and Florida.
About Patricia Ransom
Patty Ransom is Client Service Associate who has been at Morgan Stanley for over 9 years. Prior to Morgan Stanley, Patty worked at several law firms for over 24 years, with her last role in the accounting department at the law firm of Riemer & Braunstein, LLP. Patty lives in Norton with her husband Dale and their two children.
About Sonya Pratt
Sonya has 35 years of experience working in the financial services industry. This time includes 14 years at Morgan Stanley as a registered and licensed CSA and complex coach, compliance risk officer and complex business service manager. Additionally, Sonya worked in similar client service roles at other large retail and commercial banks.
She is a graduate and class valedictorian of the Atlantic Business College in New Brunswick, Canada. Sonya lives in Saugus, MA and enjoys travelling on the East Coast, and visiting her family on Canada’s west coast. She also is an active volunteer with the Col Potter Cairn Rescue Network.
She is a graduate and class valedictorian of the Atlantic Business College in New Brunswick, Canada. Sonya lives in Saugus, MA and enjoys travelling on the East Coast, and visiting her family on Canada’s west coast. She also is an active volunteer with the Col Potter Cairn Rescue Network.
Contact Maria A. Staffiere
Contact Kerry P. Falco
Contact Kenneth J. Martin
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
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
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
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
Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact The Falco Staffiere Martin 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 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.
2Alternative 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.
3Morgan 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.
4Products 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.
5Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
8When 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.
9Morgan 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.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Alternative 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.
3Morgan 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.
4Products 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.
5Morgan 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.
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, charitable giving, philanthropic planning and other legal matters.
8When 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.
9Morgan 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.
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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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
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The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
