Carlos Fernandez
Managing Director, Wealth Management, Wealth Advisor, Senior Investment Management Consultant
Phone:
(410) 494-1859(410) 494-1859
The Fernandez and Feranec Group at Morgan Stanley
Direct:
(410) 494-8090(410) 494-8090
Our Mission Statement
With a deep understanding of your priorities, we simplify the complexities of wealth through a standard of care that prioritizes your best interests and exceeds your expectations.
Going the Extra Mile
As your financial world becomes more complex, careful planning and tailored, objective advice become even more important to achieving your lifetime and legacy goals.
At the Fernandez and Feranec Group, a multigenerational practice strategically positioned to serve clients of all ages and life stages, we offer a personalized approach to wealth management that focuses on helping you simplify your financial life, so you and your family can spend more time enjoying the wealth you’ve worked so hard to achieve.
By Your Side for All of Life’s Milestones
We love working with our clients. They are an exceptional group of individuals and families, each with their own unique wealth creation story. Many are busy professionals pursuing greater balance in their lives. Others are in or approaching retirement and want to enjoy life without financial worry. Still others are successful business owners seeking new strategies to attract and retain their valued employees.
But no matter what their background or stage of life, our team is positioned to support our clients over their lifetimes. In fact, our practice is structured to support the success not only of individuals but of families over multiple generations. Our team is intentionally diverse in age so that we can better connect with clients, young and old.
We combine our decades of experience and market insights to think strategically on their behalf. Our consultative approach covers the full spectrum of customized solutions for individuals and families – from putting children through college and preparing for retirement to caring for aging parents and legacy planning.
Your Priorities Become Our Priorities
As you work with us, you will experience a standard of care that prioritizes your best interests and exceeds your expectations. We are proud of the services and solutions we provide and the deep and lasting client relationships we've formed over time.
At the Fernandez and Feranec Group, a multigenerational practice strategically positioned to serve clients of all ages and life stages, we offer a personalized approach to wealth management that focuses on helping you simplify your financial life, so you and your family can spend more time enjoying the wealth you’ve worked so hard to achieve.
By Your Side for All of Life’s Milestones
We love working with our clients. They are an exceptional group of individuals and families, each with their own unique wealth creation story. Many are busy professionals pursuing greater balance in their lives. Others are in or approaching retirement and want to enjoy life without financial worry. Still others are successful business owners seeking new strategies to attract and retain their valued employees.
But no matter what their background or stage of life, our team is positioned to support our clients over their lifetimes. In fact, our practice is structured to support the success not only of individuals but of families over multiple generations. Our team is intentionally diverse in age so that we can better connect with clients, young and old.
We combine our decades of experience and market insights to think strategically on their behalf. Our consultative approach covers the full spectrum of customized solutions for individuals and families – from putting children through college and preparing for retirement to caring for aging parents and legacy planning.
Your Priorities Become Our Priorities
As you work with us, you will experience a standard of care that prioritizes your best interests and exceeds your expectations. We are proud of the services and solutions we provide and the deep and lasting client relationships we've formed over time.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Your Questions Asked & Answered
- I have assets spread across multiple organizations and platforms. How do I get organized and simplify my financial life?
- I have so many things I want to do with my life. How can one investment strategy balance them all?
- How do I plan for retirement, so I can maintain my current lifestyle without financial worry?
- I can predict some, but not all of my expenses. How do I invest for the future, but have the cash on hand I need for today?
- How do I prepare for a more secure future knowing that certain life events – like selling a business, a divorce or a death in the family – can dramatically impact my plans?
- Leaving my estate to the people and organizations I care about is important to me. How do I make this happen?
Our Core Strengths
We believe successful wealth management begins and ends with personalized service. We enjoy working with individuals and families who seek the same type of long-term, fully-engaged relationships we value and who appreciate the following attributes we believe set us apart from other advisory teams.
Long-Term Relationships
We care deeply about our clients and go the extra mile to make certain they understand we are here to help them preserve, grow and transfer their wealth. The bonds we form are fundamental to our mission and it is our intention that they span generations.
Deep Knowledge & Experience
We combine our problem-solving skills with an impassioned willingness to roll up our sleeves and identify forward-thinking strategies so that we may meet, and exceed, your particular objectives. We believe the more complex your situation, the more valuable we are to you, and the more rewarding your overall experience will be.
Comprehensive Services
Whether you need guidance with growth, asset preservation or legacy planning, we want to be your first phone call for anything financial. Our goal is to offer appropriate advice and service BEFORE you know you need it and to respond to every request or question immediately.
Customized Strategies
No two clients are alike; therefore, no two wealth management plans are alike. We take the time to get to know you personally, so we may understand the challenges and circumstances surrounding your wealth. This enables us to create a customized wealth plan that is tailored to your specific needs and goals.
A Team Approach
The diversity of our background and experience enables us to deliver fresh ideas for today’s complex world. We believe it is important to collaborate with your accountant, attorney and other specialists to build a comprehensive plan that encompasses all aspects of your financial life. We are comfortable serving as your lead advisor, helping ensure all the professionals you’ve hired are working together to address your priorities cohesively.
A Concierge Service Experience
We deliberately keep our practice to a select group of families so we can deliver a first-class experience. This enables us to spend quality time with each of our clients with the purpose of helping them achieve their goals and aspirations.
Achieving Your Goals
Our goals-based process begins and ends with listening. We ask questions about the values that shape your decisions and the vision you have for your future . . . and then we listen. Through each step, we provide objective advice and investment insights to construct a wealth management plan that is uniquely yours.
1: Discovery
We begin with an in-depth conversation where we listen carefully to understand what is important to you and your family. Utilizing our skills as seasoned wealth management professionals, we ask specific questions about your previous investment experience and the values that shape your decisions. We also identify any special challenges and circumstances for your personal situation.
2: Analysis & Plan Development
Here, we prepare a comprehensive analysis for your situation. We utilize Morgan Stanley’s proprietary planning and risk analysis tools to develop a personalized plan that not only includes investment recommendations, but may also incorporate risk management and tax-advantaged strategies, as well as estate, trust and philanthropic solutions.
In this step, we may also reach out to your CPA and estate attorney to understand your existing tax and estate plans, so we can coordinate our efforts into one comprehensive plan.
In this step, we may also reach out to your CPA and estate attorney to understand your existing tax and estate plans, so we can coordinate our efforts into one comprehensive plan.
3: Presentation & Implementation
Next, we present your personalized financial plan in detail and explain why we are recommending each strategy. We’ll then refine your plan based on our discussion. Once approved by you, we’ll begin to implement the strategies together. We believe in full transparency and will keep you involved in each step.
4: Ongoing Service
We are committed to developing longstanding relationships that provide special value to you and your family. We monitor the progress of your plan through ongoing calls and meetings, based on a communication strategy that works for you. We may recommend adjustments over time, due to changing market conditions or changes in your personal circumstances, to keep you on track towards achieving your goals.
Executive Financial Services
As your life and career evolve, your finances often become more complex. Many successful individuals find their overall wealth becomes heavily concentrated in one type of investment. This is very common for corporate executives who accumulate large amounts of company stock.
While the potential for long-term growth of these positions is great, so too are the potential risks to your overall financial health and well-being if they are not managed carefully.
Often, these positions are restricted and highly illiquid, making it difficult to diversify your portfolio and access its value. What’s more, there can be significant tax consequences associated with managing highly complicated positions of wealth.
If you find your overall wealth is highly concentrated and the associated restrictions limit your ability to diversify, we offer the strategic guidance and sophisticated strategies necessary to help gain flexible access to your wealth. In addition, our comprehensive approach focuses on finding tax-efficient ways to overcome the obstacles you face.
While the potential for long-term growth of these positions is great, so too are the potential risks to your overall financial health and well-being if they are not managed carefully.
Often, these positions are restricted and highly illiquid, making it difficult to diversify your portfolio and access its value. What’s more, there can be significant tax consequences associated with managing highly complicated positions of wealth.
If you find your overall wealth is highly concentrated and the associated restrictions limit your ability to diversify, we offer the strategic guidance and sophisticated strategies necessary to help gain flexible access to your wealth. In addition, our comprehensive approach focuses on finding tax-efficient ways to overcome the obstacles you face.
Services Available:
- The sale of restricted, control and concentrated stocks under SEC Rule 144
- Assistance in the exercise of corporate stock options and the sale of restricted share units (RSU) during company-approved open trading windows
- Access to Morgan Stanley’s exclusive 10b5-1 Preset Diversification Program®
- The purchase of company stock under Rule 10b-18
- Securities-based loans secured by eligible restricted and control stock, as determined by your company’s corporate counsel
- Wealth transfer and gifting strategies
Location
2330 W Joppa Road
Ste 255
Lutherville, MD 21093
US
Direct:
(410) 494-8090(410) 494-8090
Meet The Fernandez and Feranec Group
Michael Feranec, CFP®, CMFC®, CRPC®
Senior Vice President, Financial Advisor, Financial Planning Specialist
Phone:
(410) 494-8090(410) 494-8090
Riley Dopp
Financial Advisor, Financial Planning Specialist
Phone:
(410) 583-4850(410) 583-4850
Kelly D. Alcala
Wealth Management Associate
Phone:
(410) 494-1879(410) 494-1879
Lori A. Ralston
Senior Registered Associate
Phone:
(410) 494-8094(410) 494-8094
About Carlos Fernandez
Carlos is an Executive Director, Senior Investment Management Consultant, Alternative Investments Director, Wealth Advisor, and founding partner of The Fernandez and Feranec Group at Morgan Stanley, a multigenerational practice strategically positioned to serve clients of all ages and life stages. For more than 30 years, he has been working with highly successful individuals, families and business owners, providing personalized advice through a disciplined wealth management approach. Carlos combines his extensive industry experience with his ability to decipher complex financial matters to help clients understand the intricate details of their wealth. For Carlos, professional success is measured in terms of client well-being and goal achievement.
Growing up in Maryland, Carlos graduated from St. Paul’s School in Brooklandville. He earned his B.S.B.A. degree in Business from Bucknell University before joining Morgan Stanley in 1989. Carlos has built his practice with the same firm his entire career. This long tenure enables him to build strong relationships with many of the firm’s senior leaders, providing clients with immediate access to the full scope of Morgan Stanley’s intellect and global resources.
Carlos is regularly recognized as one of the top financial advisors in the country and at Morgan Stanley. In 2015, he was selected as a “Top 400 Financial Advisor” by The Financial Times and in 2018 and 2019, he was named a “Best-in-State” Wealth Advisor by Forbes. Carlos has also been named to Morgan Stanley’s exclusive President’s Club or Master’s Club from 1999 to 2018.
Carlos draws upon his vast experience to provide clients with customized portfolios and tailored advice. His disciplined process begins with asking the right questions and actively listening. This information serves as the foundation for the development of a detailed plan that reflects each client’s goals, values, and personal circumstances. He takes pride in his ability to put complex investment strategies into action and effectively communicating these strategies using simple and easy-to-understand language. Carlos is fluent in Spanish.
A strong believer in giving back to his community, Carlos has been a Board member of St. Paul’s School for the past five years. Away from the office, he enjoys spending time with his wife of 30 years, Stacey, and their four grown children. Favorite leisure activities focus on staying active and include boating, tennis, and basketball.
Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded Mar 2015) Data compiled by the Financial Times based on time period from 9/30/13 - 9/30/14.
2018,2019 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018,2019). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Growing up in Maryland, Carlos graduated from St. Paul’s School in Brooklandville. He earned his B.S.B.A. degree in Business from Bucknell University before joining Morgan Stanley in 1989. Carlos has built his practice with the same firm his entire career. This long tenure enables him to build strong relationships with many of the firm’s senior leaders, providing clients with immediate access to the full scope of Morgan Stanley’s intellect and global resources.
Carlos is regularly recognized as one of the top financial advisors in the country and at Morgan Stanley. In 2015, he was selected as a “Top 400 Financial Advisor” by The Financial Times and in 2018 and 2019, he was named a “Best-in-State” Wealth Advisor by Forbes. Carlos has also been named to Morgan Stanley’s exclusive President’s Club or Master’s Club from 1999 to 2018.
Carlos draws upon his vast experience to provide clients with customized portfolios and tailored advice. His disciplined process begins with asking the right questions and actively listening. This information serves as the foundation for the development of a detailed plan that reflects each client’s goals, values, and personal circumstances. He takes pride in his ability to put complex investment strategies into action and effectively communicating these strategies using simple and easy-to-understand language. Carlos is fluent in Spanish.
A strong believer in giving back to his community, Carlos has been a Board member of St. Paul’s School for the past five years. Away from the office, he enjoys spending time with his wife of 30 years, Stacey, and their four grown children. Favorite leisure activities focus on staying active and include boating, tennis, and basketball.
Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded Mar 2015) Data compiled by the Financial Times based on time period from 9/30/13 - 9/30/14.
2018,2019 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018,2019). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Securities Agent: GA, CO, MN, MD, KY, DE, WV, NC, AZ, RI, OH, NY, NJ, LA, HI, CA, WI, MI, DC, CT, WA, VA, SC, MO, IN, IA, NH, TX, PA, ME, MA, FL, WY, TN, IL; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
About Michael Feranec
Michael is a Senior Vice President and founding partner of The Fernandez and Feranec Group at Morgan Stanley, a multigenerational practice strategically positioned to serve clients of all ages and life stages. A seasoned professional with more than 21 years of experience, Michael is dedicated to helping professionals, families and business leaders solve their financial challenges and achieve their goals. His results-driven approach, which includes the development of a tailored wealth management plan and a commitment to ongoing education and outstanding service, earned Michael recognition on the Forbes “Best-in-State Next Generation Advisors” list in 2019.
Growing up in Hackettstown, N.J., Michael graduated from Pope John XXIII School in Sparta, New Jersey before attending Towson University, where he earned his degree in Business Administration. Michael began his career at Morgan Stanley in 2003 and has been a valuable member of the firm ever since.
Michael enjoys working with like-minded clients who value the level of service he and his colleagues can deliver. His process begins with asking the right questions and actively listening. This information then serves as the foundation for the development of a comprehensive plan and investment portfolio that reflects each client’s goals for the future. Michael receives great satisfaction knowing he is making a significant impact on the quality of his clients’ lives and often becomes one of the most important relationships to their families.
Throughout his career, Michael has remained committed to professional development, earning such important industry designations as CERTIFIED FINANCIAL PLANNER™ (CFP®), Chartered Retirement Planning Counselor® (CRPC®) and Chartered Mutual Fund Counselor (CMFC). He has also received a number of highly specialized certifications at Morgan Stanley, including Financial Planning Specialist and Workplace Advisor - Equity Compensation. These credentials provide Michael with special knowledge and skills in the areas of retirement and estate planning, wealth preservation strategies, investment management, risk management and executive benefits.
Michael believes balance is vital to a happy life. Outside of the office, he enjoys fishing, boating and spending time with his wife, Amy, and their three sons, Michael, Brady and Landon. They currently reside in Annapolis, MD.
2019 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2019). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Growing up in Hackettstown, N.J., Michael graduated from Pope John XXIII School in Sparta, New Jersey before attending Towson University, where he earned his degree in Business Administration. Michael began his career at Morgan Stanley in 2003 and has been a valuable member of the firm ever since.
Michael enjoys working with like-minded clients who value the level of service he and his colleagues can deliver. His process begins with asking the right questions and actively listening. This information then serves as the foundation for the development of a comprehensive plan and investment portfolio that reflects each client’s goals for the future. Michael receives great satisfaction knowing he is making a significant impact on the quality of his clients’ lives and often becomes one of the most important relationships to their families.
Throughout his career, Michael has remained committed to professional development, earning such important industry designations as CERTIFIED FINANCIAL PLANNER™ (CFP®), Chartered Retirement Planning Counselor® (CRPC®) and Chartered Mutual Fund Counselor (CMFC). He has also received a number of highly specialized certifications at Morgan Stanley, including Financial Planning Specialist and Workplace Advisor - Equity Compensation. These credentials provide Michael with special knowledge and skills in the areas of retirement and estate planning, wealth preservation strategies, investment management, risk management and executive benefits.
Michael believes balance is vital to a happy life. Outside of the office, he enjoys fishing, boating and spending time with his wife, Amy, and their three sons, Michael, Brady and Landon. They currently reside in Annapolis, MD.
2019 Forbes America’s Top Next-Gen Wealth Advisors & Top Next-Gen Wealth Advisors Best-in-State (formerly referred to as Forbes America's Top Next-Gen Wealth Advisors, Forbes Top 1,000 Next-Gen Wealth Advisors, Forbes Top 500 Next Generation Wealth Advisors)
Source: Forbes.com (Awarded 2019). Data compiled by SHOOK Research LLC based on 12-month period concluding in Mar of the year the award was issued.
Securities Agent: SC, MD, AZ, DE, CT, WI, TN, RI, NH, NC, CA, WV, WA, VA, OH, MO, MN, MI, ME, LA, IL, HI, KY, CO, MA, IN, IA, FL, GA, DC, TX, PA, NJ, NY, WY; General Securities Representative; Investment Advisor Representative; Managed Futures
About Riley Dopp
Riley is a Financial Advisor and member of The Fernandez and Feranec Group, a multigenerational practice strategically positioned to serve clients of all ages and life stages. With diligence and care, he utilizes his strengths to help clients understand and solve their financial challenges. Riley enjoys educating clients on how to create and execute an effective financial plan and make more confident decisions about their wealth.
Growing up on the eastern shore of Maryland, Riley was always interested in the financial markets and received great satisfaction helping others. Pursuing a career in financial services was the perfect opportunity to bring these two interests together.
While earning his B.B.A. degree at Towson University, Riley had the opportunity to intern at a small private financial planning firm. It was there that he confirmed his true passion for problem solving and long-term planning. He enjoyed the intricate details of analysis to develop strategies to achieve optimum results, while minimizing risk.
Upon graduation in 2018, Riley joined The Fernandez and Feranec Group. It gives him great satisfaction knowing he is working on a team that shares his deep desire to help families navigate the ups and downs of today’s financial markets, while enhancing the quality of their lives now and in the future.
Today, Riley calls the Canton neighborhood of Baltimore his home. Outside of the office, he enjoys a broad array of activities that include golfing, boating, and organized co-ed sports leagues with his friends. These leagues range from kickball and volleyball to softball and soccer and emphasize Riley’s focus on staying fit and having fun.
Growing up on the eastern shore of Maryland, Riley was always interested in the financial markets and received great satisfaction helping others. Pursuing a career in financial services was the perfect opportunity to bring these two interests together.
While earning his B.B.A. degree at Towson University, Riley had the opportunity to intern at a small private financial planning firm. It was there that he confirmed his true passion for problem solving and long-term planning. He enjoyed the intricate details of analysis to develop strategies to achieve optimum results, while minimizing risk.
Upon graduation in 2018, Riley joined The Fernandez and Feranec Group. It gives him great satisfaction knowing he is working on a team that shares his deep desire to help families navigate the ups and downs of today’s financial markets, while enhancing the quality of their lives now and in the future.
Today, Riley calls the Canton neighborhood of Baltimore his home. Outside of the office, he enjoys a broad array of activities that include golfing, boating, and organized co-ed sports leagues with his friends. These leagues range from kickball and volleyball to softball and soccer and emphasize Riley’s focus on staying fit and having fun.
Securities Agent: OH, NJ, CO, AZ, KS, NY, GA, NC, WI, TX, VA, LA, IL, CT, WA, PA, MN, MI, IA, DE, MD, MA, TN, RI, FL, DC, WY, ME, KY, IN, HI, WV, SC, NH, MO, CA; General Securities Representative; Investment Advisor Representative
About Kelly D. Alcala
Kelly is a Wealth Management Associate at The Fernandez and Feranec Group at Morgan Stanley. A results-driven professional, she is committed to building strong relationships with clients and the various business units within Morgan Stanley. Kelly is often the first line of contact on a wide range of administrative and client services. Her primary responsibilities include onboarding new clients, ensuring client account information is up to date, and performing operational tasks that support Carlos and Michael in the day-to-day management of their financial planning practice.
Kelly graduated from Roanoke College in 1996 with a Bachelor of Business Administration degree. Prior to joining Morgan Stanley, she worked as a Registered Client Service Associate at Legg Mason, where she was responsible for a broad array of administrative and operational tasks. Kelly maintains her FINRA Series 7, 31 and 66 licenses as well as her insurance licenses. She was recognized for her excellence in client service, receiving the “Support Professional of the Year” award from Morgan Stanley’s Lutherville branch in 2018.
Growing up in Perry Hall, Kelly now lives in Phoenix, Maryland with her husband, Tony, and their two children. Outside of the office, her favorite activities focus on her kid’s school and sports activities. She loves the beach and visiting every chance she can get.
Kelly graduated from Roanoke College in 1996 with a Bachelor of Business Administration degree. Prior to joining Morgan Stanley, she worked as a Registered Client Service Associate at Legg Mason, where she was responsible for a broad array of administrative and operational tasks. Kelly maintains her FINRA Series 7, 31 and 66 licenses as well as her insurance licenses. She was recognized for her excellence in client service, receiving the “Support Professional of the Year” award from Morgan Stanley’s Lutherville branch in 2018.
Growing up in Perry Hall, Kelly now lives in Phoenix, Maryland with her husband, Tony, and their two children. Outside of the office, her favorite activities focus on her kid’s school and sports activities. She loves the beach and visiting every chance she can get.
About Lori A. Ralston
Drawing on more than 30 years of industry experience, Lori is committed to providing every client with the highest level of personal service. As a Senior Registered Associate, she is responsible for a broad array of administrative, operational and client services. Lori strives to ensure a stress-free experience for clients by creating streamlined processes and leading a coordinated effort among all the members of the team.
Lori began her career in banking in 1988. Over the years, she has been fortunate to have worked in almost every position of a retail bank branch, including teller, sales and service representative, branch manager and area manager before joining Morgan Stanley in 2008. This broad set of experiences enables Lori to understand how each component of the wealth management process fits together, providing her with deeper insights that she readily shares with clients. Lori enjoys solving problems for clients and helping them tackle parts of their busy lives that need attention to help ensure a more secure financial future. She holds her FINRA Series 6, 7 and 63 licenses and her life and health insurance license.
Originally from Carroll County, Lori currently resides in Westminster, Maryland with her significant other, Michael Gibson, and their dog, Ladybug. She enjoys volunteering at local animal shelters. Outside of the office, she enjoys being outside and working in the yard. She loves to read and keep up to date on local news in the community.
Lori began her career in banking in 1988. Over the years, she has been fortunate to have worked in almost every position of a retail bank branch, including teller, sales and service representative, branch manager and area manager before joining Morgan Stanley in 2008. This broad set of experiences enables Lori to understand how each component of the wealth management process fits together, providing her with deeper insights that she readily shares with clients. Lori enjoys solving problems for clients and helping them tackle parts of their busy lives that need attention to help ensure a more secure financial future. She holds her FINRA Series 6, 7 and 63 licenses and her life and health insurance license.
Originally from Carroll County, Lori currently resides in Westminster, Maryland with her significant other, Michael Gibson, and their dog, Ladybug. She enjoys volunteering at local animal shelters. Outside of the office, she enjoys being outside and working in the yard. She loves to read and keep up to date on local news in the community.
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9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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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’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
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 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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
