William Fischer, QPFC
Managing Director, Financial Advisor
Phone:
(954) 476-5222(954) 476-5222
The Fischer W Group at Morgan Stanley
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Story and Services
People do business with people they trust, and they like. Our team chooses to listen to the wants and needs of our clients carefully, then understanding in detail where their wealth stands today and where they’d like it to be for the future. We help clients design and implement a personalized plan intended to help them pursue financial goals while helping manage investment risk. Our approach is to focus on potential solutions that can help turn goals into reality.
Contact Us: fischergroup@morganstanley.com
Contact Us: fischergroup@morganstanley.com
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
Every relationship begins with a conversation, helping you identify and prioritize which goals matter most to you. Whether it's transferring wealth to the next generation, customizing your financial approach to help you pursue your passions, or providing advice and guidance to help you stay informed, we start by listening to learn more about you and your family.
Step 1: Discovery
Our relationship begins with an initial discussion aimed at getting to know each other. This meeting will include a complimentary review of your current financial situation to determine potential opportunities and strategies. It will be a relaxed conversation and at no cost to you. Following this meeting, we want you to get a sense of what it might be like to work together. Click 'Contact Us' if you would like to schedule a meeting.
Step 2: Form a Strategy
Using your life goals as our compass, we create a risk-balanced strategy which maps a clear path to achieving your success & reaching your goals.
Step 3: Implementing Your Plan
We apply extensive research and analysis, and also utilize Morgan Stanley's full suite of resources, to ensure swift decisive action in all market scenarios.
Step 4: Measuring Your Success
We check in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards your goals. Our ultimate mission is your success and well-being.
What We Provide
Our team at Morgan Stanley combines their years of expertise and knowledge to help clients of substantial wealth simplify and manage their complex financial lives so that their families can live the lifestyle that they wish. Our team's goal is to be an extension of your family.
Family Office Resources help clients and financial advisors utilize an expansive suite of highly specialized resources to address complex challenges of managing significant wealth so clients may make complicated decisions confidently. Here are some resources to help you navigate.
Wealth Management Capabilities
Our team at Morgan Stanley has exclusive access to vast resources, combined with our unique capabilities, giving us the means to support your goals at every life stage. Our commitment to building, preserving, and managing wealth of our clients forms the foundation of everything we do.
Wealth Education
Financial Literacy means being empowered with the knowledge to make smart financial decisions during every stage of life. Discussing family finances is especially important with adult children, no matter their age. It is not always easy, but starting the conversation is a key step in long-term wealth planning.
Family Governance
For ultra-high net worth families involved in a shared enterprise—whether running a family business, managing a family office, or investing collectively—establishing a robust decision-making framework is essential. In other words, a well-defined family governance system provides the structure needed to guide choices and preserve unity.
Business Succession Planning
Selling a business should be the reward for years of entrepreneurial savvy and hard work. Here's how to make the process go smoothly.
Trust and Estate Planning
With you every step of the way. We analyze your tax and estate structures so that their tax characteristics are accurately incorporated in the asset allocation analysis performed for the client.
Philanthropic Planning
Your set of philanthropic objectives is as personal as your vision of a better world. Determining your objectives, however, can be challenging when there are so many worthy causes and so many unmet needs.
Digital Resources for Clients
Access your financial world at your convenience.
Morgan Stanley Online
Morgan Stanley Online (MSO) enables you to view your account activity, manage your everyday finances, and authorize transactions.
Total Wealth View
You can now conveniently view your accounts from other financial institutions on Morgan Stanley Online giving you a complete financial picture.
MS Reserved
Reserved Living & Giving is a tiered complimentary loyalty program that rewards clients with over one million dollars in assets and liabilities invested at the firm. The program is designed to enhance your lifestyle and relationship with the firm beyond traditional wealth management services.
On the Markets
Detailed Market commentary from Morgan Stanley's though leaders on topics such as global equities, fixed income, monetary policy and more
What We Provide
Here at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We are firm believers of giving our clients quality resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. Morgan Stanley seeks to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future, and why.
Pre-Liquidity Event Planning
Liquidity events such as an initial public offering or a merger or acquisition may provide income and estate planning opportunities. Liquidity events also magnify the need to put in place or update certain essential estate planning documents. It is important to consider and implement income tax and wealth transfer strategies prior to a potential liquidity or sale event.
Executive Compensation: Stock & Stock Options
Executives today are increasingly compensated with stock or stock options. It is critical that an executive understands the risks of investing financial assets and the potential reward of preferential income tax treatment. The following is a general overview of some of the basic rules applicable to stock and stock options.
Alternative Investments
Our Team is highly skilled and experienced in providing clients with support through alternative investments. Learn how Morgan Stanley's comprehensive strategies, diverse talent and global resources can provide you with the opportunity to achieve your financial goals.
Home Loans
As a Morgan Stanley client, you have access to our dedicated Home Loans team, who will work with you to explore the right solution for your home financing needs.
Location
1200 S Pine Island ROAD
Suite 800
Plantation, FL 33324
US
Direct:
(954) 476-5222(954) 476-5222
Meet The Fischer W Group
Jean Pierre Lemoine, CPWA®, QPFC
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(954) 476-5225(954) 476-5225
Maya Tzur Mosher, CFP®, QPFC
Assistant Vice President, Wealth Management Associate
Phone:
(954) 476-5228(954) 476-5228
Rosa Cortiza
Client Service Associate
Phone:
(954) 476-5229(954) 476-5229
Emily LaDow, MBA
Registered Client Service Associate
Phone:
(954) 476-5232(954) 476-5232
Ethan Bashan
Registered Client Service Associate
Phone:
(954) 476-4024(954) 476-4024
Tiany Eversley
Senior Registered Client Service Associate, Financial Planning Specialist
Phone:
(954) 577-8857(954) 577-8857
About Me
William “Billy” Fischer, CPFA® is a Managing Director and Senior Portfolio Advisor with over 30 years of experience in the financial services industry. He is passionate about helping ultra wealthy individuals, families, and business owners navigate an ever-changing financial landscape by delivering personalized, client-centric strategies. Known for his thoughtful guidance and deep market knowledge, Billy and his team have built long-standing relationships by advocating for his clients and ensuring they feel confident in their financial decisions. His philosophy centers on listening first and customizing recommendations based on what truly matters to each client.
He has been recognized as a Forbes Best-In-State Wealth Advisor every year since 2022, and his team was named Forbes Best-In-State Wealth Management Teams since 2023. Billy holds the Qualified Plan Financial Consultant (QPFC) issued by the National Association of Plan Advisors (NAPA).
With a team that reflects the multigenerational needs of his clients, The Fischer Team is committed to guiding families through all stages of their financial journeys—transforming uncertainty into opportunity with calm, experience-driven advice.
Billy is a graduate of the University of South Florida and active in his local community. He lives in Davie, Florida with his wife and their three children.
Disclosures:
• Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors Source: Forbes (Awarded April 2025). Data compiled by SHOOK Research LLC based for the period 6/30/23 - 6/30/24.
• Forbes Best-In-State Wealth Management Teams
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC for the period 6/30/22 - 6/30/23.
• Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
• Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
• Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24.
• Forbes America’s Top Wealth Management Teams
Source: Forbes.com (Awarded Nov 2024) Data compiled by SHOOK Research LLC for the period 3/31/23-3/31/24.
• Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
He has been recognized as a Forbes Best-In-State Wealth Advisor every year since 2022, and his team was named Forbes Best-In-State Wealth Management Teams since 2023. Billy holds the Qualified Plan Financial Consultant (QPFC) issued by the National Association of Plan Advisors (NAPA).
With a team that reflects the multigenerational needs of his clients, The Fischer Team is committed to guiding families through all stages of their financial journeys—transforming uncertainty into opportunity with calm, experience-driven advice.
Billy is a graduate of the University of South Florida and active in his local community. He lives in Davie, Florida with his wife and their three children.
Disclosures:
• Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors Source: Forbes (Awarded April 2025). Data compiled by SHOOK Research LLC based for the period 6/30/23 - 6/30/24.
• Forbes Best-In-State Wealth Management Teams
Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2024) Data compiled by SHOOK Research LLC for the period 6/30/22 - 6/30/23.
• Forbes America's Top Wealth Advisors & Best-In-State Wealth Advisors
Source: Forbes.com (Awarded April 2023) Data compiled by SHOOK Research LLC based on time period from 6/30/21 - 6/30/22.
• Forbes Best-In-State Wealth Advisors
Source: Forbes.com (Awarded Apr 2022) Data compiled by SHOOK Research LLC based on time period from 6/30/20 - 6/30/21.
• Forbes Best-In-State Wealth Management Teams
Source: Forbes (Awarded Jan 2025) Data compiled by SHOOK Research LLC based for the period 3/31/23-3/31/24.
• Forbes America’s Top Wealth Management Teams
Source: Forbes.com (Awarded Nov 2024) Data compiled by SHOOK Research LLC for the period 3/31/23-3/31/24.
• Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2023) Data compiled by SHOOK Research LLC based on time period from 3/31/21-3/31/22.
Securities Agent: CT, MI, VA, IN, VT, WA, SC, NC, MO, GA, DC, CO, NY, MA, AL, PA, OR, AZ, NV, TX, PR, NJ, IL, FL, TN, MS, CA, NH, MT, MD, KY; General Securities Representative; Investment Advisor Representative
NMLS#: 518912
NMLS#: 518912
About Me
Jean Pierre “JP” Lemoine is a partner of The Fischer Group, where he is a Senior Vice President, Wealth Management Advisor and Senior Portfolio Advisor. For the last three years, he has been named to the Forbes “Best-in-State Wealth Management Teams” list as a member of The Fischer Group (Published annually in January. Rankings based on data as of March 31 of prior year).** JP started his career in wealth management in 2011, joining first as an intern, then as a Client Associate, and eventually an advisor and partner with The Fischer Group. JP holds the Certified Private Wealth Advisor® designation, as well as the Qualified Plan Financial Consultant (QPFC) designation awarded by the National Association of Plan Advisors (NAPA).
As a member and partner of The Fischer Group, he works with an exclusive group of high net worth individuals, families, and businesses, providing them with a personalized approach to Wealth Management. JP is a South Florida native and a graduate of The University of Miami; in his spare time, he enjoys spending time with his wife and daughter, reading and learning about technology and science fiction, and appreciates acclaimed television.
As a member and partner of The Fischer Group, he works with an exclusive group of high net worth individuals, families, and businesses, providing them with a personalized approach to Wealth Management. JP is a South Florida native and a graduate of The University of Miami; in his spare time, he enjoys spending time with his wife and daughter, reading and learning about technology and science fiction, and appreciates acclaimed television.
Securities Agent: TX, NY, WA, VA, MS, AL, PR, NJ, MO, MI, KY, FL, CO, VT, OR, MT, IN, DC, CT, PA, NH, IL, TN, MA, CA, AZ, NV, SC, NC, MD, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 1234831
NMLS#: 1234831
About Maya Tzur Mosher
Maya has been in wealth management since 2019, after several years in the banking and insurance world. She is an Assistant Vice President with The Fischer Group, helping high net worth businesses and individuals with tailored legacy planning and personalized advice to grow and preserve their wealth. She was named to the Forbes “Best-in-State Wealth Management Teams” list for the last three years as a member of The Fischer Group (Published on January 12, 2023 Rankings based on data as of March 31, 2022).**
Maya is a CERTIFIED FINANCIAL PLANNER™ certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc., and holds the Qualified Plan Financial Consultant (QPFC) awarded by the National Association of Plan Advisors (NAPA). She is a South Florida native and University of Florida Honors College graduate who loves making a difference in her home community. In her spare time, Maya thoroughly enjoys traveling, spending time with her husband and family, performing in and attending theatre productions, watching both college and professional sports, and reading novels.
Maya is a CERTIFIED FINANCIAL PLANNER™ certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc., and holds the Qualified Plan Financial Consultant (QPFC) awarded by the National Association of Plan Advisors (NAPA). She is a South Florida native and University of Florida Honors College graduate who loves making a difference in her home community. In her spare time, Maya thoroughly enjoys traveling, spending time with her husband and family, performing in and attending theatre productions, watching both college and professional sports, and reading novels.
Securities Agent: AL, AZ, CA, CO, CT, FL, GA, IL, KY, MD, MA, MI, MS, MO, MT, NV, NH, NJ, NY, NC, OR, PA, SC, TN, TX, VT, VA, WA; General Securities Representative; Investment Advisor Representative
About Rosa Cortiza
Rosa Cortiza has over 30 years in the Financial Services Industry. She has been an integral member of The Fischer Group since she joined as a Client Associate over 25 years ago. Rosa's daily job functions involve being the first line of communication for all client needs.
She is civically engaged in her community and lives in Miami. In her spare time, she enjoys gardening, road trips, baking, and spending time with her family.
She is civically engaged in her community and lives in Miami. In her spare time, she enjoys gardening, road trips, baking, and spending time with her family.
About Emily LaDow
Emily LaDow brings ten years professional experience to her role as a Registered Wealth Management Client Associate. She holds a Bachelor’s degree in International Affairs from Florida State University and a Master’s of Business Administration from Florida Atlantic University. Continuous education is important to her which makes the Client Associate role a great fit for her. Emily grew up in South Florida and is raising her family here. She enjoys reading, spending time with her family, and traveling.
About Ethan Bashan
Ethan Bashan serves as the Registered Client Service Associate for the Fischer W Group. As the person responsible for operational and administrative support, he partners with the team to deliver consistent red-carpet client service. Ethan started in the financial services industry in 2018 specializing in working with high-net-worth clients and joined Morgan Stanley in 2024 bringing his knowledge of investments and banking products with him. Ethan graduated from Florida State University in 2016 with a degree in Economics.
Over the years Ethan has developed a keen understanding of financial markets and a commitment to providing exceptional service to clients. Ethan’s expertise lies in managing client relationships, addressing their financial needs, and ensuring their investment goals are met with precision and care.
Over the years Ethan has developed a keen understanding of financial markets and a commitment to providing exceptional service to clients. Ethan’s expertise lies in managing client relationships, addressing their financial needs, and ensuring their investment goals are met with precision and care.
About Tiany Eversley
Tiany is a Senior Registered Client Service Associate and Financial Planning Specialist who began her career in the financial industry over 15 years ago. Her dedication and commitment to excellence led to several promotions, including Operations Specialist, International Account Representative. She joined Morgan Stanley in 2018 supporting several teams the local area. Tiany is originally from Panama and has made the US her home for over 18 years. She holds a Bachelor of Science degree in Marketing and an MBA in Strategic Management from Santa María La Antigua University in Panama. Outside of work, she enjoys traveling, spending quality time with her family, and cherishing moments with her son.
Contact William Fischer
Contact Jean Pierre Lemoine
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
A Simple Six-Step Retirement Checkup
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Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Rational Investing in an Age of Uncertainty
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Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
529 Plans: A Powerful Tool to Save for Education
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Ready to start a conversation? Contact The Fischer W Group today.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque design) in the U.S., which it awards to 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. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
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.
3Morgan 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.
4When 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.
5Morgan 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.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States. Morgan Stanley Wealth Management is a business of Morgan Stanley Smith Barney LLC.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
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.
3Morgan 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.
4When 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.
5Morgan 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.
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.
CFP Board owns the marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® (with plaque 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 | Morgan Stanley
CRC 4665150 (8/2025)