Phone:
(631) 642-8603(631) 642-8603
The Fitzpatrick Capital Group at Morgan Stanley
Our Mission Statement
High quality, personalized advice to simplify your financial life and preserve and grow your wealth
Our Story
At the Fitzpatrick Capital Group at Morgan Stanley, a client-centric approach is core to everything we do. Our clients come from various walks of life, all having achieved significant financial success. Our mission is to provide them with high quality, personalized advice to help simplify their financial lives.
We are a family business, and this informs the work we do on behalf of the families we serve. Our team draws upon decades of combined experience and a diversity of perspectives to deliver advice, all grounded in our shared values. We take care to facilitate deep discussions around your aspirations and concerns. Our goal is to ensure that the financial plan we create together makes the most sense for you.
Our clients look to us for help managing their investments, sustaining their lifestyle and making their next big life decision. It is a responsibility we take seriously. We look forward to meeting you and getting to know your family.
We are a family business, and this informs the work we do on behalf of the families we serve. Our team draws upon decades of combined experience and a diversity of perspectives to deliver advice, all grounded in our shared values. We take care to facilitate deep discussions around your aspirations and concerns. Our goal is to ensure that the financial plan we create together makes the most sense for you.
Our clients look to us for help managing their investments, sustaining their lifestyle and making their next big life decision. It is a responsibility we take seriously. We look forward to meeting you and getting to know your family.
Services Include
- Financial PlanningFootnote1
- 401(k) Rollovers
- Planning for Education FundingFootnote2
- Divorce Financial AnalysisFootnote3
- Estate Planning StrategiesFootnote4
- Life InsuranceFootnote5
- Wealth ManagementFootnote6
- Cash Management and Lending ProductsFootnote7
- Alternative InvestmentsFootnote8
- Corporate Pension Plans
- Professional Portfolio ManagementFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
At The Fitzpatrick Capital Group, we go through an in-depth onboarding process to ensure our world class suite of services is effectively applied to your unique finanical needs:
1. Getting to Know You
We take the time to fully understand you and your family- from your financial concerns and fears to your big-picture goals. We'll talk about what you need your money to accomplish for you, and thoroughly review your current situation and any unique circumstances.
2. Developing a Financial Plan
Taking your specific tax and legal considerations into account, we'll form a plan to address your goals. We will discuss estate planning and insurance strategies to protect against the unknown, and present investment options that assume an appropriate amount of risk given your time horizon and objectives.
3. Implementation
After comprehensive due diligence and an analysis of expected results across different market scenarios, we'll select strategies from Morgan Stanley's expansive investment platform to carry out your plan.
4. Monitoring Your Progress
We'll check in with you to deliver metrics around your portfolio and measure our trajectory towards your goals. As your financial and family needs change, we'll ensure your strategy adapts accordingly.
Valuable Tools and Resources
Please find below a collection of resources we have assembled to add more context to the topic areas frequently touched upon in our practice. We've included links where available and hope you'll return often to learn more about these items that impact your financial picture.
Intergenerational Wealth Planning
Wealthy families are more than investment accounts and trusts. They are comprised of people who feel all the affections, fears and resentments that underpin human relationships—here playing out under the stress of dealing with complex challenges that less wealthy families seldom have to face.
Financial Literacy
Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. No matter your current priorities, a strong financial literacy foundation can help you meet your goals.
Total Tax 365 Video
Total Tax 365 is our full spectrum of year round, tax management solutions, tailored to help you mitigate tax drag in your portfolio.
Market Insights
Explore the latest ideas on investing from Morgan Stanley.
2024 Tax Tables
This helpful resource outlines the 2024 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
Reserved Offers
Exclusive offers to keep Reserved Clients and their families safe and engaged. Offers span across such categories as Dining, Health & Wellness, Travel, Entertainment and more.
2025 Tax Tables
This helpful resource outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information.
Digital Tools to Help Simplify your Financial Management Experience
Morgan Stanley's suite of Modern Wealth Management Tools allows advisors to offer more customized and comprehensive advice. These tools' ease of use allows for a more in-depth view of a client's financial life to be taken, potentially resulting in better service and more well-rounded advice.
Morgan Stanley Online
Your investments and everyday finances are always just a few clicks away with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Spending & Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts. Our Spending and Budgeting Tool makes it easy for you and your Financial Advisor to see your complete financial picture.
Digital Vault
The Digital Vault on Morgan Stanley Online and the Mobile App allows you to build a central, shared document library where all documents are stored using encryption.
Location
414 Main St
Ste 101
Port Jefferson, NY 11777
US
Direct:
(631) 642-8601(631) 642-8601
Meet The Fitzpatrick Capital Group
Senior Vice President, Wealth Management, Financial Advisor, International Client Advisor
Phone:
(631) 642-8604(631) 642-8604
Katelyn Dolan, CFA, CFP®
Financial Advisor
Phone:
(631) 642-8618(631) 642-8618
Julie G. Murphy, CFA
Financial Advisor
Phone:
(631) 642-8617(631) 642-8617
Mary Fitzpatrick
Assistant Vice President, Financial Advisor
Phone:
(631) 642-8607(631) 642-8607
Maryann Ryan
Senior Client Service Associate
Phone:
(631) 642-8601(631) 642-8601
About John P. Fitzpatrick
John P. Fitzpatrick is an Executive Director and Wealth Advisor at Morgan Stanley and the founding partner of the Fitzpatrick Capital Group. He is deeply dedicated to helping individual clients, their families and small businesses, realize their financial goals.
Over his 40 years in practice, John has built a strong reputation as a trusted and thoughtful advisor known for helping families meet their multigenerational financial objectives. He provides comprehensive private wealth management services with a concentration on estate planning strategies and tax efficient investing.
John is deeply involved in the community, serving as a member of the St. Charles Hospital Foundation Board for the past 21 years, in the role of Chairman for the last 18. He has served as a member of the Finance Board at Infant Jesus RCC for 13 years, serving as Co-Chairman of the Board for 9 years. He has previously held positions on the board of directors at Theater Three in Port Jefferson, as a member of the Board of Trustees of Catholic Charities for the Diocese of Rockville Centre, and was on the board of directors of Jefferson's Ferry in Setauket, New York. John spent many years as a volunteer basketball coach for Infant Jesus CYO and Our Lady of Wisdom Regional School, and as a baseball and softball coach with Terryville Little League. In recognition for his service, John was awarded the St. Charles Hospital Theodore Roosevelt Award in 2010 and the prestigious Spirit of St. Charles Award in 2023.
John started his career at Paine Webber in 1984, spending 21 years at the firm as it transitioned to UBS Wealth Management, with a 5-year interlude at Prudential Securities, before joining Morgan Stanley in 2010. He graduated from Hauppauge High School in 1979 and the University of Buffalo in 1983. At UB, John was the captain of the Basketball team, becoming one of only four members of the 1,000 Point Club and ended his career as the all-time leader in games played. He graduated with a B.S. from the School of Business.
Mr. Fitzpatrick has been married to his wife Mary for 38 years and resides in Port Jefferson, New York. Together they have four daughters and one son, three sons-in-law, and five precious grandchildren, Grace, Amelia, Nora, Rosalie, and Sam.
Over his 40 years in practice, John has built a strong reputation as a trusted and thoughtful advisor known for helping families meet their multigenerational financial objectives. He provides comprehensive private wealth management services with a concentration on estate planning strategies and tax efficient investing.
John is deeply involved in the community, serving as a member of the St. Charles Hospital Foundation Board for the past 21 years, in the role of Chairman for the last 18. He has served as a member of the Finance Board at Infant Jesus RCC for 13 years, serving as Co-Chairman of the Board for 9 years. He has previously held positions on the board of directors at Theater Three in Port Jefferson, as a member of the Board of Trustees of Catholic Charities for the Diocese of Rockville Centre, and was on the board of directors of Jefferson's Ferry in Setauket, New York. John spent many years as a volunteer basketball coach for Infant Jesus CYO and Our Lady of Wisdom Regional School, and as a baseball and softball coach with Terryville Little League. In recognition for his service, John was awarded the St. Charles Hospital Theodore Roosevelt Award in 2010 and the prestigious Spirit of St. Charles Award in 2023.
John started his career at Paine Webber in 1984, spending 21 years at the firm as it transitioned to UBS Wealth Management, with a 5-year interlude at Prudential Securities, before joining Morgan Stanley in 2010. He graduated from Hauppauge High School in 1979 and the University of Buffalo in 1983. At UB, John was the captain of the Basketball team, becoming one of only four members of the 1,000 Point Club and ended his career as the all-time leader in games played. He graduated with a B.S. from the School of Business.
Mr. Fitzpatrick has been married to his wife Mary for 38 years and resides in Port Jefferson, New York. Together they have four daughters and one son, three sons-in-law, and five precious grandchildren, Grace, Amelia, Nora, Rosalie, and Sam.
Securities Agent: WY, MS, OR, NH, MO, ME, DE, VI, SD, NY, NC, MI, MD, MA, VA, PA, GA, CO, WV, UT, TN, IN, DC, RI, OH, AZ, WA, VT, NM, MN, IL, FL, CA, SC, NV, NJ, CT, TX, HI; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 94455
NMLS#: 94455
About Jose Rosario
Jose M. Rosario is a highly experienced Portfolio Manager and an International Client Advisor at Morgan Stanley. With a Dedicated team of multilingual investment professionals, Jose is committed to addressing the increasingly intricate and personalized requirements of his clients. He offers a range of services through Morgan Stanley, including Financial Advising and Investment Management, comprehensive wealth planning, access to private markets and Alternative Investments solutions, family wealth advisory, cash management and lending solutions to private clients and their families.
With a career that began in 1993 at Merrill Lynch & Co, Jose led and co-managed a diverse portfolio of international private clients, focusing on Latin American jurisdictions, Mexico and the United States. His passion and commitment to assisting his international clients achieve their desired lifestyle and leave a lasting legacy has earned him the esteemed designation of International Client Advisor.
Jose proudly served in the United States Navy from 1987 to 1996 as a member of the VFA-131 ‘Wildcats’, an F/A-18 strike fighter squadron. During his service, he actively participated in vital military missions worldwide. For his exceptional service and commitment, he was honored with the Navy Achievement Medal on three separate occasions. Jose’s focus was Aerospace Engineering with the US Navy and further expanded to finance and economics at the Florida State College. He holds several securities licenses and is registered as an investment advisor in over 25 U.S states.
Securities Agent: MO, CO, SC, MA, WI, UT, PA, MI, VI, DE, NC, OR, DC, CT, TN, WV, WY, FL, NJ, GA, VT, NY, WA, MD, NV, IL, TX, NH, RI, OH, VA, CA, NM, AZ, IN, SD, ME, HI; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1373248
With a career that began in 1993 at Merrill Lynch & Co, Jose led and co-managed a diverse portfolio of international private clients, focusing on Latin American jurisdictions, Mexico and the United States. His passion and commitment to assisting his international clients achieve their desired lifestyle and leave a lasting legacy has earned him the esteemed designation of International Client Advisor.
Jose proudly served in the United States Navy from 1987 to 1996 as a member of the VFA-131 ‘Wildcats’, an F/A-18 strike fighter squadron. During his service, he actively participated in vital military missions worldwide. For his exceptional service and commitment, he was honored with the Navy Achievement Medal on three separate occasions. Jose’s focus was Aerospace Engineering with the US Navy and further expanded to finance and economics at the Florida State College. He holds several securities licenses and is registered as an investment advisor in over 25 U.S states.
Securities Agent: MO, CO, SC, MA, WI, UT, PA, MI, VI, DE, NC, OR, DC, CT, TN, WV, WY, FL, NJ, GA, VT, NY, WA, MD, NV, IL, TX, NH, RI, OH, VA, CA, NM, AZ, IN, SD, ME, HI; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1373248
Securities Agent: IN, PR, AL, WI, VT, TX, OK, MI, CO, NH, NY, OH, IA, AK, KS, MT, NE, SD, VA, WA, VI, UT, TN, NM, NC, MN, MD, KY, NV, RI, SC, MS, PA, NJ, MA, DC, CT, CA, OR, ME, ID, HI, DE, IL, MO, WV, ND, LA, AR, AZ, WY, FL, GA; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1373248
NMLS#: 1373248
About Katelyn Dolan
Katelyn Dolan, CFA, CFP® is a Financial Advisor with the Fitzpatrick Capital Group at Morgan Stanley. She is excited to be serving the many exceptional families that have placed their confidence in the team over the years. Within the practice, she focuses on thoughtful, tax-efficient financial planning for professionals in the finance industry.
After working hard for your money, you want to feel confident that you are maximizing its potential to meet your goals. As a CERTIFIED FINANCIAL PLANNER™, Katelyn is committed to taking a comprehensive, detail-oriented approach to help her clients do just that. Having spent the beginning of her career in a sales and trading role, she is familiar with the compliance hurdles inherent to working in finance and knows how to work with them. She recognizes that many of her clients already have a deep knowledge of the market or product in which they specialize, and value an advisor who can take a big picture, unbiased approach to managing the moving pieces in their personal lives.
In her role on the team, Katelyn puts a dedicated focus on delivering elements that are unique to Morgan Stanley, in particular its extensive Alternatives platform (largest among the wire houses) and Total Tax 365 capabilities. In her work with clients, she is committed to the principles of honesty, hard work and framing decisions from the perspective of “future you.”
Prior to joining Morgan Stanley, Katelyn spent 12 years on the trading floor at Citi, covering institutional clients in equity derivatives, convertible bonds and US rate products. She graduated magna cum laude from Cornell University with a major in Applied Economics & Management.
Katelyn is the oldest daughter of John Fitzpatrick, founding partner of the Fitzpatrick Capital Group, and the sister of Julie Murphy, CFA. She and her husband, Doug, recently moved to Long Island after over a decade in New York City and are learning to embrace the quirks of suburban life with their two young daughters and infant son.
After working hard for your money, you want to feel confident that you are maximizing its potential to meet your goals. As a CERTIFIED FINANCIAL PLANNER™, Katelyn is committed to taking a comprehensive, detail-oriented approach to help her clients do just that. Having spent the beginning of her career in a sales and trading role, she is familiar with the compliance hurdles inherent to working in finance and knows how to work with them. She recognizes that many of her clients already have a deep knowledge of the market or product in which they specialize, and value an advisor who can take a big picture, unbiased approach to managing the moving pieces in their personal lives.
In her role on the team, Katelyn puts a dedicated focus on delivering elements that are unique to Morgan Stanley, in particular its extensive Alternatives platform (largest among the wire houses) and Total Tax 365 capabilities. In her work with clients, she is committed to the principles of honesty, hard work and framing decisions from the perspective of “future you.”
Prior to joining Morgan Stanley, Katelyn spent 12 years on the trading floor at Citi, covering institutional clients in equity derivatives, convertible bonds and US rate products. She graduated magna cum laude from Cornell University with a major in Applied Economics & Management.
Katelyn is the oldest daughter of John Fitzpatrick, founding partner of the Fitzpatrick Capital Group, and the sister of Julie Murphy, CFA. She and her husband, Doug, recently moved to Long Island after over a decade in New York City and are learning to embrace the quirks of suburban life with their two young daughters and infant son.
Securities Agent: CA, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WY, CO, WV, AK, AL, AR, AZ; General Securities Representative; Investment Advisor Representative
NMLS#: 2498200
NMLS#: 2498200
About Julie G. Murphy
Julie G. Murphy, CFA is a Financial Advisor with the Fitzpatrick Capital Group at Morgan Stanley. She is thrilled to be working alongside her family to serve and support the wonderful clients and families that have entrusted their wealth and planning to the team.
Within the family practice, Julie has taken a dedicated interest in serving busy physicians at various stages of their careers. She understands the unique financial planning challenges that exist for physicians and their families. These particularities have shaped the financial plan of her own family, given her husband Neal's career as a medical oncologist. She sees how hard her clients work for their patients and she strives to provide confidence to their financial lives so that they can focus their time and attention on being world-class physicians. Julie helps them maximize their earnings potential, preserve their assets, manage their debt, and plan appropriately for life outside of medicine - everything from saving for children's education to retirement and estate planning strategies.
Julie leverages her background as an advisor to professional investors to deliver intelligent solutions across the Morgan Stanley platform. These include loan consolidation and debt management strategies, holistic retirement and succession planning, and advice surrounding supplemental malpractice and umbrella insurance coverage. Her work is guided by a commitment to the values of integrity, candor and service.
Before coming to Morgan Stanley, Julie spent 11 years at J.P. Morgan Chase & Co. There she served as a publishing analyst covering various sectors within fixed income markets for large institutional and private banking clients. She graduated magna cum laude from Cornell University with double majors in Biology and Applied Economics & Management.
Julie is so happy to be living back in her hometown, Port Jefferson, New York. She and her husband recently moved from New York City with their two young daughters, Amelia and Rosalie. Julie is the second child of John Fitzpatrick, and sister to Katelyn Dolan.
Within the family practice, Julie has taken a dedicated interest in serving busy physicians at various stages of their careers. She understands the unique financial planning challenges that exist for physicians and their families. These particularities have shaped the financial plan of her own family, given her husband Neal's career as a medical oncologist. She sees how hard her clients work for their patients and she strives to provide confidence to their financial lives so that they can focus their time and attention on being world-class physicians. Julie helps them maximize their earnings potential, preserve their assets, manage their debt, and plan appropriately for life outside of medicine - everything from saving for children's education to retirement and estate planning strategies.
Julie leverages her background as an advisor to professional investors to deliver intelligent solutions across the Morgan Stanley platform. These include loan consolidation and debt management strategies, holistic retirement and succession planning, and advice surrounding supplemental malpractice and umbrella insurance coverage. Her work is guided by a commitment to the values of integrity, candor and service.
Before coming to Morgan Stanley, Julie spent 11 years at J.P. Morgan Chase & Co. There she served as a publishing analyst covering various sectors within fixed income markets for large institutional and private banking clients. She graduated magna cum laude from Cornell University with double majors in Biology and Applied Economics & Management.
Julie is so happy to be living back in her hometown, Port Jefferson, New York. She and her husband recently moved from New York City with their two young daughters, Amelia and Rosalie. Julie is the second child of John Fitzpatrick, and sister to Katelyn Dolan.
Securities Agent: AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, MA, LA, MD, ME, MI, MN, MO, MT, MS, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY; General Securities Representative; Investment Advisor Representative
NMLS#: 2535700
NMLS#: 2535700
About Mary Fitzpatrick
Mary E. Fitzpatrick is an Assistant Vice President with the Fitzpatrick Capital Group at Morgan Stanley. She focuses her talents on providing the practice with operational support across three main sleeves: relationship management, marketing, and use of financial planning technology.
An engineer by training, Mary takes an analytical, process-driven approach to helping the team achieve its mission: providing clients with high quality, personalized advice to help simplify their financial lives and preserve and grow their wealth. She enjoys working alongside her own family to help achieve the goals of other families. Mary maintains her series 7 and 63 licenses and registrations.
Mary began her career as an engineer for the Grumman Corporation, where she worked on flight systems and control technology for EA-6B aircraft. She embarked on her financial services career at UBS in 2005, and later joined Morgan Stanley in 2010. In her free time, Mary relishes spending time together with the five children and four grandchildren she shares with her husband of 38 years, John Fitzpatrick. Mary graduated with distinction from Cornell University with degrees in mechanical and agricultural engineering.
An engineer by training, Mary takes an analytical, process-driven approach to helping the team achieve its mission: providing clients with high quality, personalized advice to help simplify their financial lives and preserve and grow their wealth. She enjoys working alongside her own family to help achieve the goals of other families. Mary maintains her series 7 and 63 licenses and registrations.
Mary began her career as an engineer for the Grumman Corporation, where she worked on flight systems and control technology for EA-6B aircraft. She embarked on her financial services career at UBS in 2005, and later joined Morgan Stanley in 2010. In her free time, Mary relishes spending time together with the five children and four grandchildren she shares with her husband of 38 years, John Fitzpatrick. Mary graduated with distinction from Cornell University with degrees in mechanical and agricultural engineering.
About Maryann Ryan
Drawing on over 32 years of experience, Maryann delivers outstanding service to clients of the Fitzpatrick Capital Group at Morgan Stanley. Her attention to detail and vast knowledge of firm resources, products and platforms help ensure that every client enjoys an easy and seamless experience.
Maryann is responsible for managing the operational aspects of the practice, including assisting clients with account opening, maintenance and disbursements, and helping them stay connected to their financial information both online and in person. She enjoys building decades-long relationships with our clients and removing obstacles as they work through the everyday management of their financial lives. Our clients know they can rely on Maryann to help deliver for them, from the largest tasks to the smallest requests.
Maryann began her career in financial services as a client associate at Prudential in 1992 and has supported John Fitzpatrick and his clients at Prudential Securities, Paine Webber and UBS before joining Morgan Stanley in 2010. She lives in Port Jefferson, New York with her husband Rich and is originally from British Columbia, Canada. When not working, you can find her spending time at the beaches of Long Island, taking in a concert, exploring new places and enjoying whatever new adventures come her way.
Maryann is responsible for managing the operational aspects of the practice, including assisting clients with account opening, maintenance and disbursements, and helping them stay connected to their financial information both online and in person. She enjoys building decades-long relationships with our clients and removing obstacles as they work through the everyday management of their financial lives. Our clients know they can rely on Maryann to help deliver for them, from the largest tasks to the smallest requests.
Maryann began her career in financial services as a client associate at Prudential in 1992 and has supported John Fitzpatrick and his clients at Prudential Securities, Paine Webber and UBS before joining Morgan Stanley in 2010. She lives in Port Jefferson, New York with her husband Rich and is originally from British Columbia, Canada. When not working, you can find her spending time at the beaches of Long Island, taking in a concert, exploring new places and enjoying whatever new adventures come her way.
Contact John P. Fitzpatrick
Contact Jose Rosario
Contact Katelyn Dolan
Contact Julie G. Murphy
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact The Fitzpatrick Capital Group today.
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For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
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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
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Awards Disclosures
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When 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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
7Morgan 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
8Alternative 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.
9Morgan 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.
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
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The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
