Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(951) 826-3304(951) 826-3304
The Foothill Vista Group at Morgan Stanley
Direct:
(951) 682-1181(951) 682-1181
Our Mission Statement
Working with you to help preserve and grow wealth for your long-term goals
Our Story
Focused on modern wealth management, the Foothill Vista Group is committed to a collaborative and holistic relationship with our clients. Our team draws from more than a century’s worth of experience and a desire to remain current with the ever-evolving complexities of client’s financial needs and goals. Through our firm, Morgan Stanley, we gain access to world class research, intellectual capital as well as services necessary to deliver on our clients objectives. Working with the client, client’s families, CPA’s and attorneys, the Foothill Vista group is extremely motivated to provide the highest level of service.
Services Include
- Professional Portfolio ManagementFootnote1
- Wealth ManagementFootnote2
- Endowments and FoundationsFootnote3
- Executive Financial ServicesFootnote4
- Business Succession PlanningFootnote5
- Estate Planning StrategiesFootnote6
- Corporate Retirement PlansFootnote7
- Qualified Retirement PlansFootnote8
- 401(k) Rollovers
- Financial PlanningFootnote9
- Alternative InvestmentsFootnote10
- Fixed IncomeFootnote11
- Trust Services*
- Sustainable InvestingFootnote12
- Long Term Care InsuranceFootnote13
- Life InsuranceFootnote14
- Lending Products
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Foothill Vista Investment Philosophy
Preservation - We have learned that for most investors, there is nothing more important than preserving what they have. While we are always conscious of the need to maintain an appropriate balance between growth and preservation of principal, our highest priority will always be, “Don’t Lose The Client’s Money”.
Strategy - The most effective tools we have to help generate investment returns and actively manage portfolio risk, are diversification and asset allocation. Diversification involves insuring that our investors maintain sufficient exposure to a wide range of investment styles and asset classes, that the potential failure of one style or class will never have the ability to derail our overall strategy. Asset allocation primarily involves using our knowledge, expertise, and vision, to enhance investment returns by overweighting and underweighting those individual investment styles and classes where we see the best opportunities, or the greatest risks. In our opinion, consistency of returns is one of the most ignored aspect of portfolio performance. Higher levels of disparity in a portfolio’s rate of return from one time period to the next can have a negative impact on that portfolio’s cumulative return over time. Therefore, our goal is to generate solid investment returns with the greatest possible consistency.
Research - For us, due diligence is mostly about avoiding unexpected surprises. No advisor has the ability to predict the future and there will always be events that arise without warning. We believe it is implicit in the responsibility we accept as advisors that we do everything in our power to help protect our clients from the unwanted effects of such an event. A main reason we choose to run our practice out of a large firm like Morgan Stanley is that we have access to one of the world’s best and most sophisticated research department.
Strategy - The most effective tools we have to help generate investment returns and actively manage portfolio risk, are diversification and asset allocation. Diversification involves insuring that our investors maintain sufficient exposure to a wide range of investment styles and asset classes, that the potential failure of one style or class will never have the ability to derail our overall strategy. Asset allocation primarily involves using our knowledge, expertise, and vision, to enhance investment returns by overweighting and underweighting those individual investment styles and classes where we see the best opportunities, or the greatest risks. In our opinion, consistency of returns is one of the most ignored aspect of portfolio performance. Higher levels of disparity in a portfolio’s rate of return from one time period to the next can have a negative impact on that portfolio’s cumulative return over time. Therefore, our goal is to generate solid investment returns with the greatest possible consistency.
Research - For us, due diligence is mostly about avoiding unexpected surprises. No advisor has the ability to predict the future and there will always be events that arise without warning. We believe it is implicit in the responsibility we accept as advisors that we do everything in our power to help protect our clients from the unwanted effects of such an event. A main reason we choose to run our practice out of a large firm like Morgan Stanley is that we have access to one of the world’s best and most sophisticated research department.
Preservation
We have learned that for most investors, there is nothing more important than preserving what they have. While we are always conscious of the need to maintain an appropriate balance between growth and preservation of principal, our highest priority will always be, “Don’t Lose The Client’s Money”.
Strategy
The most effective tools we have to help generate investment returns and actively manage portfolio risk, are diversification and asset allocation. Diversification involves insuring that our investors maintain sufficient exposure to a wide range of investment styles and asset classes, that the potential failure of one style or class will never have the ability to derail our overall strategy. Asset allocation primarily involves using our knowledge, expertise, and vision, to enhance investment returns by overweighting and underweighting those individual investment styles and classes where we see the best opportunities, or the greatest risks. In our opinion, consistency of returns is one of the most ignored aspect of portfolio performance. Higher levels of disparity in a portfolio’s rate of return from one time period to the next can have a negative impact on that portfolio’s cumulative return over time. Therefore, our goal is to generate solid investment returns with the greatest possible consistency.
Research
For us, due diligence is mostly about avoiding unexpected surprises. No advisor has the ability to predict the future and there will always be events that arise without warning. We believe it is implicit in the responsibility we accept as advisors that we do everything in our power to help protect our clients from the unwanted effects of such an event. A main reason we choose to run our practice out of a large firm like Morgan Stanley is that we have access to one of the world’s best and most sophisticated research department.
Financial Planning with the Foothill Vista Group
Your wealth strategy doesn’t just consider your investment objectives. Rather, it is tailored to address the personal life goals you’ve identified and prioritized.
Using our suite of tools — our LifeView® platform — we can create your personal roadmap to help achieve and protect your goals — a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
LifeView® helps us:
- Analyze your current investments, and financial situation
- Review and prioritize your goals with you, such as Retirement
- Education funding
- Major purchases and philanthropic goals
- Protect your goals
- Develop wealth transfer strategies
Click the links below to access the sample LifeView® Goal Analysis and Client Profile:
Using our suite of tools — our LifeView® platform — we can create your personal roadmap to help achieve and protect your goals — a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
LifeView® helps us:
- Analyze your current investments, and financial situation
- Review and prioritize your goals with you, such as Retirement
- Education funding
- Major purchases and philanthropic goals
- Protect your goals
- Develop wealth transfer strategies
Click the links below to access the sample LifeView® Goal Analysis and Client Profile:
Experience
Kyle's Professional Details
- 2009 - Present Morgan Stanley
- 2003 - 2009 Merrill Lynch
- MBA - California Baptist University
- BS - Brigham Young University
- Series - 7 General Securities Representative
- Series - 66 Uniform State Exam / Investment Advisor
- Series - 31 Managed Futures
- Life Insurance and Long Term Care Licensed, CA
- 2003 - 2009 Merrill Lynch
- MBA - California Baptist University
- BS - Brigham Young University
- Series - 7 General Securities Representative
- Series - 66 Uniform State Exam / Investment Advisor
- Series - 31 Managed Futures
- Life Insurance and Long Term Care Licensed, CA
Jeremy's Professional Details
- 2009 - Present Morgan Stanley
- 2000 - 2009 Merrill Lynch
- Series 7 - General Securities Representative
- Series 66 - Uniform State Exam / Investment Advisor
- Series 31 Managed Futures
- Chartered Retirement Planning CounselorSM
- Life Insurance and Long Term Care Licensed, CA
- 2000 - 2009 Merrill Lynch
- Series 7 - General Securities Representative
- Series 66 - Uniform State Exam / Investment Advisor
- Series 31 Managed Futures
- Chartered Retirement Planning CounselorSM
- Life Insurance and Long Term Care Licensed, CA
Richard's Professional Details
- 1998 - Present Morgan Stanley
- 1984 - 1998 Paine Webber
- Series 7 - General Securities Representative
- Series 63 - Uniform State Exam
- Series 65 - Investment Advisor
- Series 31 - Managed Futures
- Life Insurance and Long Term Care Licensed, CA
- 1984 - 1998 Paine Webber
- Series 7 - General Securities Representative
- Series 63 - Uniform State Exam
- Series 65 - Investment Advisor
- Series 31 - Managed Futures
- Life Insurance and Long Term Care Licensed, CA
Cathy's Professional Details
- 1994 - Present Morgan Stanley
- 1992 - 1994 Kidder Peabody & Co.
- Series 7 - General Securities Representative
- Series 63 - Uniform Securities Agent State Law
- Series 65 – Uniform Investment Adviser Exam
- Series 8 – General Securities Sales Supervisor
- 1992 - 1994 Kidder Peabody & Co.
- Series 7 - General Securities Representative
- Series 63 - Uniform Securities Agent State Law
- Series 65 – Uniform Investment Adviser Exam
- Series 8 – General Securities Sales Supervisor
Location
4855 Technology Way
Suite 600
Boca Raton, FL 33431
US
Direct:
(951) 682-1181(951) 682-1181
438 East Millsap Rd
Fayetteville, AR 72703
US
Direct:
(951) 826-3305(951) 826-3305
3750 University Avenue
Riverside, CA 92501
US
Direct:
(951) 826-3304(951) 826-3304
Meet The Foothill Vista Group
Managing Director, Wealth Management, Wealth Advisor, Senior Portfolio Management Director
Phone:
(909) 605-1330(909) 605-1330
Jeremy McGee, CRPC®
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(951) 826-3305(951) 826-3305
Catherine Hollifield
Portfolio Associate
Phone:
(951) 826-3309(951) 826-3309
Margaret Cape
Registered Client Service Associate
Phone:
(951) 826-3301(951) 826-3301
Thomas Santangelo
Registered Client Service Associate
Phone:
(909) 605-8286(909) 605-8286
About Kyle D Gilbert
Kyle has 19 years experience in the Financial Services Industry. Kyle is a Vice President, Senior Portfolio Manager, and is currently the Branch Manager of the Riverside, CA Morgan Stanley office. Prior to joining Morgan Stanley Kyle worked as a Financial Advisor in the Private Client Division of Merrill Lynch. Kyle received a Bachelor of Science degree with an emphasis in Finance from Brigham Young University, and in addition received his Masters in Business Administration from California Baptist University. Kyle's passion for Finance has led him to share his experience and knowledge within the Finance Department at the University of California Riverside, where he is an adjunct faculty, and he periodically lectures a Financial Economics course. Kyle resides in Riverside with his wife and three children.
Securities Agent: WA, VA, PA, MN, LA, ID, CO, CA, OR, MO, NV, NC, IA, FL, AR, OK, NE, MD, DE, TN, SC, WI, OH, NY, IL, UT, MT, MI, GA, KS, IN, AZ, TX, NJ, MA, AK; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 371346
CA Insurance License #: OE22437
NMLS#: 371346
CA Insurance License #: OE22437
About Kathy Tully
Kathy has 36 years of experience in the Financial Services Industry. Kathy has achieved many accolades throughout her distinguished career at Morgan Stanley including Morgan Stanley designations of Wealth Advisor, Executive Director, Top 100 Chairman’s club 1994-2008, and President’s club 2010, 2011, 2013, and 2015. Kathy has also been recognized by Barron’s as a Top 100 Women Financial Advisor in 2006 - 2008, and as a Top 1,000 Adviser State by State in 2009. Kathy received a Bachelor of Science, and an MBA from Business California State Polytechnic University, Pomona. Kathy is very involved in her community and had been Chairperson for the San Antonio Community Hospital Foundation Board for 15 years, board member for Cal Poly Pomona Foundation, and Member of Pomona Valley Estate Planning Council.
2006-2008 Barron's Top 100 Women Financial Advisors
Source: Barrons.com (Awarded June 2006-2008). Data compiled by Barron's based on 12-month period concluding in Mar of the year the award was issued.
Barron's Top 1,000 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Feb 2009) Data compiled by Barron's based on time period from Sept 2007 - Sept 2008.
2006-2008 Barron's Top 100 Women Financial Advisors
Source: Barrons.com (Awarded June 2006-2008). Data compiled by Barron's based on 12-month period concluding in Mar of the year the award was issued.
Barron's Top 1,000 Financial Advisors: State-by-State
Source: Barron's.com (Awarded Feb 2009) Data compiled by Barron's based on time period from Sept 2007 - Sept 2008.
Securities Agent: UT, IN, LA, SC, OK, NJ, MI, AK, TN, MN, GA, CA, AZ, OR, NE, MA, KS, AR, MT, ME, FL, NY, MO, MD, CO, VA, IL, ID, DE, WI, WA, TX, PA, NV, NC, OH; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1282787
CA Insurance License #: 0A37747
NMLS#: 1282787
CA Insurance License #: 0A37747
About Jeremy McGee
For 22 years, Jeremy has engaged in Wealth Planning relationships with Business Owners, Non-Profit organizations as well as individuals and families. He is a Certified Retirement Planning Counselor (CRPC), a professional designation obtained through comprehensive course work administered by the College of Financial Planning. As a Senior Portfolio Manager, Jeremy has demonstrated competencies in portfolio construction and management and is authorized to operate in a discretionary capacity to oversee wealth management strategies rooted in extensive financial planning.
Jeremy is a graduate of the University of Redlands and holds a Bachelor of Science degree in business, with a concentration in Financial Planning. An active member of his community, Jeremy has served on many non-profit and service boards. He and his wife reside in Fayetteville, AR. and have two children. Jeremy enjoys spending time in the outdoors and is an avid golfer.
Jeremy is a graduate of the University of Redlands and holds a Bachelor of Science degree in business, with a concentration in Financial Planning. An active member of his community, Jeremy has served on many non-profit and service boards. He and his wife reside in Fayetteville, AR. and have two children. Jeremy enjoys spending time in the outdoors and is an avid golfer.
Securities Agent: MI, AK, TX, CA, WA, NY, MO, WI, OK, NV, DE, AZ, AR, OH, NE, MN, LA, KS, ID, SC, OR, MD, VA, UT, TN, NJ, NC, MT, IL, GA, MA, IN, FL, CO; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1270108
CA Insurance License #: OD49342
NMLS#: 1270108
CA Insurance License #: OD49342
About Catherine Hollifield
Cathy has worked in the financial services industry for 29 years. Cathy joined Morgan Stanley in 1995 and has held many positions with her tenure at the Firm, most recently Business Service Manager for the Los Angeles Complex. Cathy graduated from California State University, San Bernardino with a bachelor’s degree in Business Administration. She lives in Highland with her husband and they have two adult daughters. She has been actively involved with National Charity League for the past 8 years, formerly as a board member and now a sustainer. She enjoys reading, traveling to new destinations, and trying out new restaurants.
Securities Agent: WA, WI, AR, AZ, CA, CO, DE, FL, GA, HI, ID, IL, IN, KS, LA, MA, MD, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, NY, OH, OK, OR, PR, RI, SC, SD, TN, TX, UT, VA; BM/Supervisor; General Securities Representative; Investment Advisor Representative
About Margaret Cape
With over 30 years of experience in the financial services industry, Maggie brings a wealth of skilled focus to her role. Transitioning from a 16-year tenure at Wells Fargo Advisors, where she served as a Client Service Associate and Branch Administrator, Maggie now serves as a Registered Client Service Associate at Morgan Stanley, a position she embraced in 2023. Outside of the office Maggie lives in Hemet with her adult daughter, son-in-law, and numerous pets. She enjoys to read, having family nights, and spending quality time with her friends.
About Thomas Santangelo
Thomas has worked in the financial services industry for almost 2 years since graduating from the University of Central Florida with a bachelors degree in business finance. With love for the stock market and helping people, he knew from an early age that he had the passion to pursue a career in the financial services industry. Since graduation, Thomas has become fully registered while working in the financial services and client relations fields. He currently lives in Highland beach with his mother and father. Thomas enjoys being with his family, snowboarding, surfing, sports, and spending time with friends.
Contact Kyle D Gilbert
Contact Kathy Tully
Contact Jeremy McGee
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
Peter Barash
Private Banker
About Peter Barash
Peter Barash is a Private Banker serving Morgan Stanley Wealth Management offices in California.
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.
Peter began his career in financial services in 1984, and joined Morgan Stanley in 2010 as a Private Banker. Prior to joining the firm, he was a Private Banking Specialist at U.S. Bank.
Peter is a graduate of Columbia University, where he received a Bachelor of Arts in Economics and Comparative Literature. He holds an MBA from the University of Southern California. He lives in Glendale, California with his family. Outside of the office, Peter enjoys, hiking, playing bass guitar and reading.
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.
Peter began his career in financial services in 1984, and joined Morgan Stanley in 2010 as a Private Banker. Prior to joining the firm, he was a Private Banking Specialist at U.S. Bank.
Peter is a graduate of Columbia University, where he received a Bachelor of Arts in Economics and Comparative Literature. He holds an MBA from the University of Southern California. He lives in Glendale, California with his family. Outside of the office, Peter enjoys, hiking, playing bass guitar and reading.
NMLS#: 799189
Wealth Management
From Our Team
LifeView® Goal Analysis Client Questionnaire
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
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact The Foothill Vista Group today.
1Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 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.
5Morgan 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7When 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.
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.
9Morgan 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.
10Alternative 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.
11Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
12The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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 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.
5Morgan 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.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7When 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.
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.
9Morgan 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.
10Alternative 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.
11Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
12The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
13Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
14Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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Awards Disclosures
CRC 6491812 (04/2024)
