Kevin S. Fine
Managing Director, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(847) 291-5507(847) 291-5507
The Fine/Omansky Group at Morgan Stanley
Direct:
(847) 291-5507(847) 291-5507
Toll-Free:
(800) 543-3623(800) 543-3623
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
About Us
The Fine/Omansky Group has devoted more than 55 years to serving the needs of high net-worth individuals, families, and corporate executives.
We make it our goal to add value through a strong client-advisor relationship and by providing each client with access to the best financial resources available in the market. From implementing tax-efficient strategies to achieving educational and retirement goals, we work with our clients to develop a strategy to grow and preserve their wealth.
Your customized wealth management program will start with an open-ended discussion about your financial needs as well as your short and long-term objectives. By incorporating your time horizon and risk tolerance, we look to optimize your program’s potential for achieving your financial goals. In many cases, we will work with your tax and legal advisors to develop tax-efficient strategies that will maximize your wealth’s growth potential.
We will educate you about the investment choices available, while recommending what we believe to be the most favorable program designed to increase the likelihood of meeting your financial objectives. Once your wealth management program has been implemented, we will periodically review its progress with you to make certain that its strategy remains aligned with your short and long term financial needs.
We make it our goal to add value through a strong client-advisor relationship and by providing each client with access to the best financial resources available in the market. From implementing tax-efficient strategies to achieving educational and retirement goals, we work with our clients to develop a strategy to grow and preserve their wealth.
Your customized wealth management program will start with an open-ended discussion about your financial needs as well as your short and long-term objectives. By incorporating your time horizon and risk tolerance, we look to optimize your program’s potential for achieving your financial goals. In many cases, we will work with your tax and legal advisors to develop tax-efficient strategies that will maximize your wealth’s growth potential.
We will educate you about the investment choices available, while recommending what we believe to be the most favorable program designed to increase the likelihood of meeting your financial objectives. Once your wealth management program has been implemented, we will periodically review its progress with you to make certain that its strategy remains aligned with your short and long term financial needs.
Services Include
- Financial PlanningFootnote1
- Professional Portfolio ManagementFootnote2
- Retirement PlanningFootnote3
- Wealth Consulting
- Wealth ManagementFootnote4
- 401(k) Rollovers
- Asset Management
- Cash ManagementFootnote5
- Estate Planning StrategiesFootnote6
- Business Succession PlanningFootnote7
- Lending Products
- Life InsuranceFootnote8
- Long Term Care InsuranceFootnote9
- Planning for Education FundingFootnote10
- Corporate Retirement PlansFootnote11
- Trust Services*
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
In The Press
Disclosures
2018-2022 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
"Barron's Top 1,200 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Mar 2016) Data compiled by Barron's based on time period from Sept 2014 - Sept 2015. “
2017-2021 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2017-2021) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period. "
2018-2021 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2018-2021) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period. "
Source: Forbes.com (Awarded 2018-2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
"Barron's Top 1,200 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Mar 2016) Data compiled by Barron's based on time period from Sept 2014 - Sept 2015. “
2017-2021 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2017-2021) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period. "
2018-2021 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2018-2021) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. The award was not based on a specific time period. "
Location
111 S Pfingsten Rd
Ste 200
Deerfield, IL 60015
US
Direct:
(847) 291-5507(847) 291-5507
Toll-Free:
(800) 543-3623(800) 543-3623
Meet The Fine/Omansky Group
Scott J. Omansky
Vice President, Financial Advisor, Financial Planning Specialist, Senior Portfolio Manager
Phone:
(847) 291-5508(847) 291-5508
Ann Marie Kenik
Portfolio Associate
Phone:
(847) 291-5509(847) 291-5509
Harrison Brandt
Portfolio Associate
Phone:
(847) 291-5510(847) 291-5510
About Kevin S. Fine
After earning both his CPA and MBA, Kevin practiced both public accounting (now non-practicing) and investment banking for over 5 years. Kevin began his wealth management career in 1997 to focus on the needs of high net-worth individuals, families, and corporate executives.
Kevin delivers added-value to each client through unbiased financial advice and recommendations on portfolio construction, investment strategy, and goal-based life objectives. Kevin is a Senior Portfolio Management Director who, in addition to providing traditional advice and guidance, can help clients pursue their objectives by building and managing their own personalized or defined strategies, which may incorporate individual stocks and bonds, Morgan Stanley model portfolios, and third-party investment strategies. When servicing clients through the firm’s Investment Advisory Program, a Senior Portfolio Management Director may manage strategies on a discretionary basis.
Kevin has been named to Barron’s list of America’s Top 1,200 Advisors for 2016. Kevin has been named to Crain’s Chicago Business Magazine’s List of Chicago’s Notable Financial Advisors for 2018. Kevin has been named to Forbes Magazine’s List of America’s Best-In-State Wealth Advisors for 2018, 2019, 2020, 2021, 2022, 2023 and 2024. Kevin has been named to Forbes Best-In-State Wealth Management Teams for 2023, 2024 and 2025. Kevin has been named to Five Star Wealth Manager by Five Star Professional for 2017, 2018, 2019, 2020, 2021, 2022, 2023 and 2024. Kevin has been named to the President's Club at Morgan Stanley Wealth Management for 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024 and 2025.
Kevin lives in Deerfield with his wife and 3 children.
Kevin is FINRA registered Series 7, Series 63 and Series 65.
2016 Barron's Top 1,200 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Mar 2016). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the insurance of the award.
2018 Crain's Chicago Business Magazine’s List of Chicago’s Notable Financial Advisors Source: Crains.com (Awarded 2018). Data compiled by Crain's based on 12-month period concluding in the year prior to the issuance of the award.
2018-2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2018-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2023-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
2017-2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2017-2024) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. This award was issued on 10/1/24 by Five Star Professional (FSP) for the time period 1/9/24 through 7/31/24.
Kevin delivers added-value to each client through unbiased financial advice and recommendations on portfolio construction, investment strategy, and goal-based life objectives. Kevin is a Senior Portfolio Management Director who, in addition to providing traditional advice and guidance, can help clients pursue their objectives by building and managing their own personalized or defined strategies, which may incorporate individual stocks and bonds, Morgan Stanley model portfolios, and third-party investment strategies. When servicing clients through the firm’s Investment Advisory Program, a Senior Portfolio Management Director may manage strategies on a discretionary basis.
Kevin has been named to Barron’s list of America’s Top 1,200 Advisors for 2016. Kevin has been named to Crain’s Chicago Business Magazine’s List of Chicago’s Notable Financial Advisors for 2018. Kevin has been named to Forbes Magazine’s List of America’s Best-In-State Wealth Advisors for 2018, 2019, 2020, 2021, 2022, 2023 and 2024. Kevin has been named to Forbes Best-In-State Wealth Management Teams for 2023, 2024 and 2025. Kevin has been named to Five Star Wealth Manager by Five Star Professional for 2017, 2018, 2019, 2020, 2021, 2022, 2023 and 2024. Kevin has been named to the President's Club at Morgan Stanley Wealth Management for 2017, 2018, 2019, 2020, 2021, 2022, 2023, 2024 and 2025.
Kevin lives in Deerfield with his wife and 3 children.
Kevin is FINRA registered Series 7, Series 63 and Series 65.
2016 Barron's Top 1,200 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Mar 2016). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the insurance of the award.
2018 Crain's Chicago Business Magazine’s List of Chicago’s Notable Financial Advisors Source: Crains.com (Awarded 2018). Data compiled by Crain's based on 12-month period concluding in the year prior to the issuance of the award.
2018-2024 Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded 2018-2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
2023-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
2017-2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2017-2024) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. This award was issued on 10/1/24 by Five Star Professional (FSP) for the time period 1/9/24 through 7/31/24.
Securities Agent: WY, MA, NV, OK, CO, OR, MN, MD, FL, CT, SD, MI, SC, MO, LA, IN, WA, IL, DE, KS, PA, AR, CA, TN, AZ, NJ, NM, TX, WI, NC, OH, WV, DC, NY, NE, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 560340
NMLS#: 560340
About Scott J. Omansky
Scott began his financial services career in 2002. As a Vice President - Financial Advisor with The Fine/Omansky Group, Scott utilizes a wealth management approach to help educate, organize, and manage client’s goals and objectives. Scott is responsible for developing new relationships and introducing clients to the group.
As a Financial Planning Specialist, Scott works with clients to structure a customized program to help grow and preserve their wealth based on each client’s financial goals and aspirations. Scott is a Senior Portfolio Manager who, in addition to providing traditional advice and guidance, can help clients pursue their objectives by building and managing their own personalized or defined strategies, which may incorporate individual stocks and bonds, Morgan Stanley model portfolios, and third-party investment strategies. When servicing clients through the firm’s Investment Advisory Program, a Senior Portfolio Manager may manage strategies on a discretionary basis.
Scott has been named to Forbes Best-In-State Wealth Management Teams for 2023, 2024 and 2025. Scott has been named to Five Star Wealth Manager by Five Star Professional for 2018, 2019, 2020, 2021, 2022, 2023 and 2024. Scott has been named to the Pacesetter’s Club at Morgan Stanley Wealth Management for 2019, 2020, 2021 and 2022.
Scott is married with 2 children.
Scott is FINRA registered Series 7, Series 63 and Series 65.
2023-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
2018-2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2018-2024) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. This award was issued on 10/1/24 by Five Star Professional (FSP) for the time period 1/9/24 through 7/31/24.
As a Financial Planning Specialist, Scott works with clients to structure a customized program to help grow and preserve their wealth based on each client’s financial goals and aspirations. Scott is a Senior Portfolio Manager who, in addition to providing traditional advice and guidance, can help clients pursue their objectives by building and managing their own personalized or defined strategies, which may incorporate individual stocks and bonds, Morgan Stanley model portfolios, and third-party investment strategies. When servicing clients through the firm’s Investment Advisory Program, a Senior Portfolio Manager may manage strategies on a discretionary basis.
Scott has been named to Forbes Best-In-State Wealth Management Teams for 2023, 2024 and 2025. Scott has been named to Five Star Wealth Manager by Five Star Professional for 2018, 2019, 2020, 2021, 2022, 2023 and 2024. Scott has been named to the Pacesetter’s Club at Morgan Stanley Wealth Management for 2019, 2020, 2021 and 2022.
Scott is married with 2 children.
Scott is FINRA registered Series 7, Series 63 and Series 65.
2023-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
2018-2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2018-2024) The award was determined based on an evaluation process conducted by Five-Star Professional based on objective criteria. This award was issued on 10/1/24 by Five Star Professional (FSP) for the time period 1/9/24 through 7/31/24.
Securities Agent: NC, FL, MD, AR, TX, NY, MA, AZ, MN, WI, DE, DC, CO, WA, SD, OK, MI, LA, IL, NJ, WV, CA, CT, IN, PA, OH, NE, MO, NM, WY, GA, KS, NV, OR, SC, TN; General Securities Representative; Investment Advisor Representative
NMLS#: 1273964
NMLS#: 1273964
About Ann Marie Kenik
Ann Marie works with The Fine/Omansky Group as a Portfolio Associate and has been with the group since 1980. Ann Marie is the first point of contact for clients.
Ann Marie is personally dedicated to improving and streamlining each client's experience. Ann Marie is responsible for handling transactions, account openings, and for the operational efficiency of the group.
Ann Marie is a member of The Fine/Omansky Group that has been named to Forbes Best-In-State Wealth Management Teams for 2023, 2024 and 2025.
Ann Marie is FINRA registered Series 3, Series 7, Series 63, and Series 66.
2023-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Ann Marie is personally dedicated to improving and streamlining each client's experience. Ann Marie is responsible for handling transactions, account openings, and for the operational efficiency of the group.
Ann Marie is a member of The Fine/Omansky Group that has been named to Forbes Best-In-State Wealth Management Teams for 2023, 2024 and 2025.
Ann Marie is FINRA registered Series 3, Series 7, Series 63, and Series 66.
2023-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
About Harrison Brandt
Harrison works with The Fine/Omansky Group as a Portfolio Associate and has been with the group since 2019. Harrison graduated from the Kelley School of Business at Indiana University in 2007. Harrison began his financial services career in 2008. Harrison serves as a main point of contact for clients.
Harrison is responsible for new client onboarding, our client review process, enrolling and training clients on Morgan Stanley Client Serv, as well as researching and gathering critical data to assist with client portfolio analysis.
Harrison is a member of The Fine/Omansky Group that has been named to Forbes Best-In-State Wealth Management Teams for 2023, 2024 and 2025.
Harrison is FINRA registered Series 7 and Series 66.
2023-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Harrison is responsible for new client onboarding, our client review process, enrolling and training clients on Morgan Stanley Client Serv, as well as researching and gathering critical data to assist with client portfolio analysis.
Harrison is a member of The Fine/Omansky Group that has been named to Forbes Best-In-State Wealth Management Teams for 2023, 2024 and 2025.
Harrison is FINRA registered Series 7 and Series 66.
2023-2025 Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded 2023-2025). Data compiled by SHOOK Research LLC based on 12-month time period concluding in March of year prior to the issuance of the award.
Contact Kevin S. Fine
Contact Scott J. Omansky
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
Are You Prepared for Tax Day?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact The Fine/Omansky Group today.
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.
2Morgan 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.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5Morgan 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
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
11When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
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
2Morgan 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.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
5Morgan 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
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
11When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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Awards Disclosures
CRC 6491812 (04/2024)
