Stuart S Fishbein
Executive Director, Financial Advisor
Phone:
(301) 556-2341(301) 556-2341
The Fishbein Group at Morgan Stanley
Direct:
(301) 556-2340(301) 556-2340
Toll-Free:
(800) 624-0673(800) 624-0673
Our Mission Statement
The Fishbein Group spends all day, every day answering two questions for the families they serve: Do we have enough to make it? Are there any blind spots in the plan for our wealth?
Our Story and Services
The Fishbein Group works with a select number of clients. By doing so, we can focus more intimately on you - understanding your life, your business, your legacy, and the significant issues and concerns that impact your financial decisions. We work as your advocate in all wealth matters.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Services to Match Your Needs
With the Fishbein Group, you get a close relationship with a small, capable team of knowledgeable financial advisors - all while gaining access to the vast array of services made possible by our relationship with one of the world's largest financial institutions.
Below are some of the services we can provide. For other matters not listed here, please let us know how we can help you.
Below are some of the services we can provide. For other matters not listed here, please let us know how we can help you.
Investment Management
Our approach to portfolio construction and management involves tax-efficient asset allocation with thorough risk and performance analysis. You will receive access to traditional investment vehicles along with Morgan Stanley- exclusive investment opportunities and alternative investments when suitable.
Estate and Legacy Planning
Leaving a lasting legacy is an impactful way to make sure your loved ones are taken care of. We will conduct a full insurance review as we develop comprehensive wealth transfer and trust strategies. We will also help you implement charitable giving strategies for your philanthropic goals.
Wealth Planning
Our goals-based approach to planning addresses your cash-flow needs as well as your goals around retirement, education planning and any other unique goals that you or your loved ones have.
Access to Cash Management and Lending
Along with your other financial needs, we will provide access to comprehensive tailored lending solutions, securities-based lending, financing of eligible restricted stocks, commercial lending, residential real estate financing, and basic checking, debit, and bill paying features.
Asking the Right Questions
Consistent communication is a hallmark of our practice; we want to make sure your concerns are addressed in both the short and long-term. To help determine the areas you would like to discuss further, please reference the document below.
What Keeps You Up At Night?The Fishbein Investment Principles
Although every investor's situation is unique, we strongly believe that sticking to these guidelines are key to any investor's success - including yours.
Find Compatibility
Understand how to match money managers to the unique needs and temperament of the investor.
Mitigate Risk
Manage risk appropriately to provide a high probability of achieving long-term goals.
Understand Your Strategy
Understand the importance of a money manager's investment process in determining long-term success.
Conduct Meaningful Analysis
Avoid comparing performance to an arbitrary benchmark.
Focus on Your Objectives
Seek a long-term rate of return required to achieve one's objectives.
Focus on the Long-Term
Focus on long-term performance trends when assessing a manager's results.
Stay Patient
Invest for the long-term, ignoring short-term predictions.
Trust the Process
Stick to their plan regardless of market conditions.
The Fishbein Group's Approach
Watch videos of our advisors describing the advantages of working with the Fishbein Group.
Ron Fishbein
Founder Ron Fishbein explains how the Fishbein Group takes a client first approach, using our "nine principles of investing".
Video- Investment Principles
Stuart Fishbein
The Fishbein Group caters to clients in various professional industries. Listen to Stuart Fishbein talk about how we are able to give personalized advice.
Video- Auto Rental Support
Kevin Fishkind
Kevin Fishkind discusses how the Fishbein Group takes a holistic approach to answer the key question of "do I have enough to make it?"
Video- Client Outcomes
Dan Twomey
Dan Twomey discusses how asking clients questions they don't think about, leads to answering the paramount question of "are there any blind spots in my plan?"
Video- Our Process
The Fishbein Group
The Fishbein Group is comprised of four advisors and four support staff members. Discover how this structure allows us to give clients the time and attention they deserve.
Video- Our Story and ServicesThe Morgan Stanley Edge
For 86 years, Morgan Stanley has been a global leader in financial services with the scale and stability to capitalize on valuable opportunities. Our strengths and synergies as a firm serve to facilitate economic versatility and stability to expand the vast resources and global expertise that we can offer clients like you.
Cybersecurity
What does it mean to be cyber smart in a rapidly evolving digital age? How can we protect ourselves and our families online? Who are cyber criminals and how can we identify them?
Morgan Stanley’s cybersecurity experts tackle these questions and more in our Cybersecurity Webinar Series. Learn about the basics and walk away from these sessions with actionable insights and best practices.
Watch the Webinar Series on DemandMorgan Stanley’s cybersecurity experts tackle these questions and more in our Cybersecurity Webinar Series. Learn about the basics and walk away from these sessions with actionable insights and best practices.
Alternative Investments
We guard against a "one-size-fits-all-approach" when discussing and suggesting alternative investments. Morgan Stanley's innovative strategies and global presence enable us to offer a suite of alternative investments to help accomplish a variety of goals.
Alternative Investment Capabilities
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.
Options To Meet Your Needs
Liquidity Access Line
A Liquidity Access Line allows you to use the eligible securities in your investment account(s) as collateral for a line of credit. You can finance real estate purchases, fund tax obligations, cover business expenses or a variety of other financing needs - potentially without liquidating assets.
Liquidity Access Line Client Brochure
Cash Management
Our various digital tools, accessible via Morgan Stanley Online and the Morgan Stanley Mobile App, help you conveniently pay bills, manage cash flow across all of your accounts and electronically approve wire transactions and transfers.
Tips for Managing Your Everyday Finances
Morgan Stanley Reserved
Morgan Stanley Reserved is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. Members can enjoy special discounts and timely insights to support their lifestyles at home and beyond. To date, members have saved more than $38 million on over 60 premium name brands.
MS Reserved Living & Giving
How We Give Back
Morgan Stanley is dedicated to giving back to our communities. Our firm has donated millions of meals across the country, and there has been an increased effort to solve food insecurity during the Covid-19 Pandemic.
Giving BackLocation
702 King Farm Blvd
Suite 500
Rockville, MD 20850
US
Direct:
(301) 556-2340(301) 556-2340
Toll-Free:
(800) 624-0673(800) 624-0673
Fax:
(301) 556-2399(301) 556-2399
Meet The Fishbein Group
Kevin E Fishkind, CIMA®
Executive Director, Financial Advisor
Phone:
(301) 556-2344(301) 556-2344
Daniel J Twomey, CFP®
Senior Vice President, Financial Advisor, Workplace Advisor - Equity Compensation
Phone:
(301) 556-2349(301) 556-2349
Jack T Greaney, CFP®
Financial Advisor
Phone:
(301) 556-2343(301) 556-2343
Vicki Fredericks
Vice President, Group Director
Phone:
(301) 556-2347(301) 556-2347
Wes Stansel
Registered Associate
Phone:
(301) 556-2366(301) 556-2366
Lexus Soumahoro
Client Service Associate
Phone:
(301) 556-2348(301) 556-2348
Mauricio Maldonado
Client Service Associate
Phone:
(301) 556-2345(301) 556-2345
About Stuart S Fishbein
Stuart Fishbein is a Financial Advisor who has worked with Morgan Stanley and its predecessor firms since 1998, helps successful businesspeople address their wealth management goals. Specifically, he has extensive knowledge of the unique issues facing executives in the car-rental, truck-rental and fleet-leasing industries. Using both his experience and knowledge, Stuart works with his clients in many areas of Wealth Management, including: retirement scenario modeling, educational planning and cash flow/liquidity management. Stuart was named to Forbes Magazine’s list of America’s Best-in-State Wealth Advisors for 2019, 2020, and 2021.
Stuart received his B.A. from East Carolina University where he studied psychology and focused on family relations and child development.
His favorite pastimes are spending time with his wife Megan, son Sean, and daughters Taylor and Emily. He also enjoys skiing, golfing, weightlifting, playing the guitar, and reading for pleasure.
Forbes Best-In- State Wealth Advisor
Source: Forbes.com (Awarded Feb 2021) Data compiled by SHOOK Research LLC based on time period from 6/30/19 - 6/30/20.
Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded Jan 2020) Data compiled by SHOOK Research LLC based on time period from 6/30/18 - 6/30/19.
Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded Feb 2019) Data compiled by SHOOK Research LLC based on time period from 6/30/17 - 6/30/18.
Stuart received his B.A. from East Carolina University where he studied psychology and focused on family relations and child development.
His favorite pastimes are spending time with his wife Megan, son Sean, and daughters Taylor and Emily. He also enjoys skiing, golfing, weightlifting, playing the guitar, and reading for pleasure.
Forbes Best-In- State Wealth Advisor
Source: Forbes.com (Awarded Feb 2021) Data compiled by SHOOK Research LLC based on time period from 6/30/19 - 6/30/20.
Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded Jan 2020) Data compiled by SHOOK Research LLC based on time period from 6/30/18 - 6/30/19.
Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded Feb 2019) Data compiled by SHOOK Research LLC based on time period from 6/30/17 - 6/30/18.
Securities Agent: MO, WV, NM, MT, IL, IA, UT, TX, TN, RI, OH, LA, DC, CO, NY, MD, WA, VA, SC, OK, MS, KY, KS, GA, FL, PA, NJ, MI, AZ, MN, CT, NE, NC, MA, CA, AL, WI, NV, DE; General Securities Representative; Investment Advisor Representative
NMLS#: 1253039
NMLS#: 1253039
About Kevin E Fishkind
Kevin Fishkind has worked as a Financial Advisor with the Fishbein Group at Morgan Stanley* and its predecessor firms since 2003. He enjoys guiding corporate attorneys and families on wealth management issues.
Prior to joining the firm and team, he spent four years as a District and Assistant Division Manager with Vector Marketing. During this time, Kevin successfully recruited and trained sales representatives. Kevin enjoys the Wealth Management process because it allows him to use his quantitative skills in finance and his communication skills. He received his Bachelors of Business Administration with concentrations in Finance and Communications from Emory University.
Kevin has many interests and hobbies. He is currently the Chair of the Grants Committee for The United Jewish Endowment Fund and a board member of the DC Chapter of FIDF. He is a past board member of both The Jewish Federation of Greater Washington (JFGW) and Capital Camps & Retreat Center. In 2011, he was the recipient of the Jerome Dick Young Leadership Award by JFGW.
Kevin also attends Baltimore Ravens home games and is a Capitals and Orioles fan. In addition to being an avid sports fan, Kevin enjoys traveling to visit family and spending time with his wife, Meryl, and daughters, Ruby and Yael.
Prior to joining the firm and team, he spent four years as a District and Assistant Division Manager with Vector Marketing. During this time, Kevin successfully recruited and trained sales representatives. Kevin enjoys the Wealth Management process because it allows him to use his quantitative skills in finance and his communication skills. He received his Bachelors of Business Administration with concentrations in Finance and Communications from Emory University.
Kevin has many interests and hobbies. He is currently the Chair of the Grants Committee for The United Jewish Endowment Fund and a board member of the DC Chapter of FIDF. He is a past board member of both The Jewish Federation of Greater Washington (JFGW) and Capital Camps & Retreat Center. In 2011, he was the recipient of the Jerome Dick Young Leadership Award by JFGW.
Kevin also attends Baltimore Ravens home games and is a Capitals and Orioles fan. In addition to being an avid sports fan, Kevin enjoys traveling to visit family and spending time with his wife, Meryl, and daughters, Ruby and Yael.
Securities Agent: NM, NJ, NC, MA, VA, RI, AL, MD, OK, OH, NV, DC, WA, SC, KY, DE, WI, MN, TN, PA, IA, TX, MT, CA, NY, MO, MI, IL, GA, FL, CT, CO, AZ, LA, WV, UT; General Securities Representative; Investment Advisor Representative
NMLS#: 1261892
NMLS#: 1261892
About Daniel J Twomey
Dan Twomey focuses on working with families with the goal of creating and executing long-term, personalized Plans for their Wealth as well as overseeing portfolio design for The Fishbein Group. While he works with families of varied backgrounds, Dan tends to work with executives in the Pharmaceutical industry, particularly those with deferred compensation and/or equity compensation plans.
Dan started working with The Fishbein Group at Morgan Stanley in 2007. Prior to that, he was a student at Georgetown University in Washington, DC where he earned a B.A. in Economics. He also earned the CERTIFIED FINANCIAL PLANNER™ professional designation in 2013.
In his free time, Dan enjoys mountain biking, golf, spending time with his wife, Tarryn, and daughter, Isla, and he serves on the Alumni Board of Loyola Blakefield High School in Baltimore, MD.
Dan started working with The Fishbein Group at Morgan Stanley in 2007. Prior to that, he was a student at Georgetown University in Washington, DC where he earned a B.A. in Economics. He also earned the CERTIFIED FINANCIAL PLANNER™ professional designation in 2013.
In his free time, Dan enjoys mountain biking, golf, spending time with his wife, Tarryn, and daughter, Isla, and he serves on the Alumni Board of Loyola Blakefield High School in Baltimore, MD.
Securities Agent: VA, NM, IL, CT, OR, MI, CO, RI, MT, KY, AL, TN, PA, DC, TX, SC, NV, IA, AZ, NY, NC, CA, OK, WA, MN, MA, OH, NH, MO, GA, DE, WV, UT, NJ, MD, LA, FL, WI; General Securities Representative; Investment Advisor Representative
NMLS#: 1255778
NMLS#: 1255778
About Jack T Greaney
Jack graduated from Shenandoah University in 2016, where he earned a B.A. in Business Administration. As an undergraduate, Jack also played for Shenandoah’s Men’s Lacrosse program. After graduation, he spent the following two years pursuing his Master’s Degree. In 2018, he earned his M.B.A from Shenandoah University.
Jack joined The Fishbein Group in March of 2019, where he spent over five years providing excellent service to clients. In April of 2023, Jack was able to become a CERTIFIED FINANCIAL PLANNER® professional.
Jack joined The Fishbein Group in March of 2019, where he spent over five years providing excellent service to clients. In April of 2023, Jack was able to become a CERTIFIED FINANCIAL PLANNER® professional.
Securities Agent: TX, OR, VA, LA, MD, IA, NJ, NC, CT, MO, KY, RI, NM, MT, OH, DE, NH, MA, IL, FL, CO, WA, PA, OK, NV, NE, MS, MN, DC, AZ, SC, MI, WI, TN, NY, KS, GA, CA, AL, WV, UT; General Securities Representative; Investment Advisor Representative
NMLS#: 2649958
NMLS#: 2649958
About Vicki Fredericks
Vicki provides comprehensive retirement analysis for clients, including an evaluation of how much they will need to accumulate in order to retire comfortably, given the inevitable fluctuations of the market over time. She joined the team in 2005.
Vicki graduated from the Honors Program at the University of Maryland, College Park, with a B.S. in Decision and Information Sciences. In her free time, she plays the piano and enjoys being with family and friends.
Vicki graduated from the Honors Program at the University of Maryland, College Park, with a B.S. in Decision and Information Sciences. In her free time, she plays the piano and enjoys being with family and friends.
About Wes Stansel
Wes Stansel was born and raised in Merrifield, VA. He received a BS in Psychology from James Madison University, a BS in Finance from George Mason University, and has 18 years of customer service experience. Wes holds Series 7, Series 66, and insurance licenses, and he’s been a Registered Associate at the Rockville Morgan Stanley branch since November 2020.
Wes lives in Rockville, MD with his girlfriend Amy. In his free time, he enjoys playing baseball, cycling, cooking, and volunteering in the community.
Wes lives in Rockville, MD with his girlfriend Amy. In his free time, he enjoys playing baseball, cycling, cooking, and volunteering in the community.
About Lexus Soumahoro
Lexus has an Associates of Arts degree in Integrated Studies from Montgomery College and is currently majoring in Political Science at UMBC. She is trilingual (French and Spanish), having spent 2 years in the Ivory Coast and 3 years in France to enrich her French vocabulary. She has more than 4 years of financial services experience. At her previous job with PNC Bank, she started as a teller and was later promoted to a personal banker. Lexus joined the Fishbein Group in August of 2022, where she will work to ensure clients are receiving exceptional service.
In her free time, Lexus enjoys reading about and discussing world affairs. She looks forward to the opportunity to assist clients, as clients’ financial well-being has always been a priority for her.
In her free time, Lexus enjoys reading about and discussing world affairs. She looks forward to the opportunity to assist clients, as clients’ financial well-being has always been a priority for her.
About Mauricio Maldonado
Mauricio Maldonado joined the Fishbein Group in 2024 and comes with over a decade of experience in the financial services industry where he garnered a vast amount of knowledge and experience in the financial service business with past positions in banking, operations, compliance and most importantly working with clients about the importance of financial planning and preserving their wealth management needs.
He currently holds FINRA ® Series 6, 63, and 65 Licenses. He graduated from the University of Maryland-College Park, where he earned a B.A. in Economics with a minor in Statistics.
In his free time, he enjoys spending time with his family which includes his wife and two kids, outdoor activities, traveling and doing some home renovations himself.
He currently holds FINRA ® Series 6, 63, and 65 Licenses. He graduated from the University of Maryland-College Park, where he earned a B.A. in Economics with a minor in Statistics.
In his free time, he enjoys spending time with his family which includes his wife and two kids, outdoor activities, traveling and doing some home renovations himself.
Contact Stuart S Fishbein
Contact Kevin E Fishkind
Contact Daniel J Twomey
Contact Jack T Greaney
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Maria Tashjian
Private Banker
About Maria Tashjian
Maria Tashjian is a Private Banker serving Morgan Stanley Wealth Management offices in Maryland.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Maria began her career in financial services in 2006, and joined Morgan Stanley in 2010. Prior to being promoted to Private Banker in 2021, Maria served as the Associate Private Banker supporting Wealth Management offices in Virginia.
Maria is a graduate of the University of Massachusetts, where she received a Bachelor of Science in Management and a Master of Business Administration. She lives in Fairfax, Virginia with her family. Outside of the office, Maria enjoys spending time with her family and volunteering for local community organizations.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Maria began her career in financial services in 2006, and joined Morgan Stanley in 2010. Prior to being promoted to Private Banker in 2021, Maria served as the Associate Private Banker supporting Wealth Management offices in Virginia.
Maria is a graduate of the University of Massachusetts, where she received a Bachelor of Science in Management and a Master of Business Administration. She lives in Fairfax, Virginia with her family. Outside of the office, Maria enjoys spending time with her family and volunteering for local community organizations.
NMLS#: 1500388
Wealth Management
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Wealth Management
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Portfolio Insights
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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
How to Take the Emotion Out of Investing
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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
Building Value from Values
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Fishbein Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3Morgan 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
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Alternative 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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.
3Morgan 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
4Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
5Alternative 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
8When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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:
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Awards Disclosures
CRC 6491812 (04/2024)
