Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Management Director
Phone:
(415) 984-6979(415) 984-6979
The Fort Point Group at Morgan Stanley
Direct:
(415) 984-6979(415) 984-6979
Toll-Free:
(800) 289-9060(800) 289-9060
Our Mission Statement
Empowering families to achieve and maintain financial independence is the fundamental principle that drives us. We focus on what is most important to you and provide the investment thinking, specialized skills, and global resources necessary to make informed decisions about your finances, especially in today’s complex economic environment.
Welcome
As your Financial Advisors, we can help you define and strive to meet your goals by delivering a vast array of resources to you in the way that is most appropriate for how you invest and what you want to achieve. Working together we can help you to preserve and grow your wealth. You’ll have access to some of the world’s most seasoned and respected investment professionals, a premier trading and execution platform and a full spectrum of investment choices.
Services Include
- Wealth ManagementFootnote1
- 401(k) Rollovers
- Business PlanningFootnote2
- Cash ManagementFootnote3
- Certificates of DepositFootnote4
- Estate Planning StrategiesFootnote5
- Financial PlanningFootnote6
- Fixed IncomeFootnote7
- Foreign ExchangeFootnote8
- Lending Products
- Municipal BondsFootnote9
- Philanthropic Services
- Qualified Retirement PlansFootnote10
- Retirement PlanningFootnote11
- Planning for Education FundingFootnote12
- Sustainable InvestingFootnote13
- Professional Portfolio ManagementFootnote14
- Alternative InvestmentsFootnote15
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
At Morgan Stanley, we believe that identifying financial solutions begins with a solid understanding of each client's situation, goals, objectives and risk tolerance. We follow a disciplined process that allows us to work with you to craft a solution that helps meet your individual financial needs:
Step 1: Introductory Meeting
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals.
Step 2: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing an appropriate risk tolerance that can help you achieve the financial outcome you envision for yourself.
Step 3: Financial Plan Presentation
Financial plan presentations map our essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage. Examining relevant financial information provides a holistic asset allocation analysis for your accounts, helping ensure a comprehensive financial plan.
Step 4: Action Items / Next Steps
After the financial plan presentation, we will follow up with you regarding our analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits and insurance coverage.
Step 5: Implementation Meeting
The implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving/benefit modifications.
Step 6: Monitoring & Performance Tracking
Finally, we will be constantly monitoring your assets and analyzing your performance tracking data, seeking to ensure your financial expectations are being met and adjusted accordingly. We will keep a high degree of communication with you to make sure your concerns and requests are always addressed.
Helpful Resources For Our Valued Clients
One of our goals when working with clients is to provide resources that educate and provoke thought. We believe that financial education leads to better insights, and ultimately, better long-term decisions. We have assembled the following materials that can provide you with information on current market trends and provide awareness to relevant financial topics.
Morgan Stanley Online
The Morgan Stanley Online (MSO) website and app acts as a home base to view your account balance and recent activity.
Within MSO you can:
* Approve wire transfers once enrolled in eAuthorization
* Send Money with Zelle®
* Manage everyday finances and track your spending
Login or Register for MSOWithin MSO you can:
* Approve wire transfers once enrolled in eAuthorization
* Send Money with Zelle®
* Manage everyday finances and track your spending
Total Wealth View
Through Morgan Stanley Online, Total Wealth View (TWV) gives you the ability to link and manage multiple financial accounts from different firms all in one place. This will allow you to conveniently see your entire wealth picture, analyze cash flows and benefit from more informed wealth planning.
Access or Enroll in TWV
Safeguarding Your Assets
Morgan Stanley invests considerable funds and resources every year in the development, maintenance, and enhancement of programs and processes to protect your assets and personal information.
Learn More
LifeView
LifeView is a suite of financial planning tools that includes goal-specific analysis that we can use with our clients to create a realistic, integrated strategy that incorporates the various aspects of your financial life, including insurance, investments and cash management needs.
Learn More
Reserved Living & Giving
Morgan Stanley's loyalty program allows eligible clients access to exclusive offers and discounts from over 70 premium brands at no cost.
Sign In or Enroll
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.
See Tax Tables
Investment Perspectives Webcast
Chief Investment Officers Mike Wilson and Lisa Shalett offer a variety of viewpoints through conversations with colleagues about the trends and forces shaping the financial markets.
Lisa Shalett's January 2024 Perspectives Webcast
Thoughts on the Market Podcast
Mike Wilson offers his perspective on the forces shaping the markets and how to separate the signal from the noise. Listen to his most recent episode and check out those of his colleagues from across Morgan Stanley Research.
Listen HereAchieve Your Dream Retirement
Retirement Lifestyle
When you envision your ideal retirement, what does it look like? Everyone's dream is different, but it is essential to discuss your goals with us so we can plan ahead for your spending needs
Learn More
Retirement Challenges
This phase of your life will look very different from the previous ones. It is important to be aware of key challenges faced by retirees. We will be proactive in overcoming challenges in the market and beyond.
Learn More
Retirement Checkup
We will work together to help make sure you are on track during retirement, but there's a few things you can do on your own to ensure your financial confidence. We will focus on minimizing risk and maximizing income as you approach retirement.
Learn More
Retirement Tax Strategies
Consider these tax-efficient strategies to help you save more for retirement. We want to keep as much of what you've worked hard to save by reducing taxable income and generating tax-advantaged growth potential. Let's strengthen your financial legacy together.
Learn MoreIt's All About Family
We are passionate about guiding you through building your wealth, planning for your future, and creating a thoughtful wealth legacy for your family and philanthropic interests.
The State of Your Parents' Estate
If you have aging parents, have you spoken with them about estate planning recently? If not, aim to have that conversation before the end of the year.
Here are some questions you can start with
What's Your Relationship with Wealth?
Family wealth can evoke strong emotions, both positive and negative. Before your next family wealth-planning conversation, consider your own attitudes and feelings on the topic.
These questions may help
Protecting Elders from Financial Abuse
Seniors are often a target of financial exploitation and fraud. Learn how to protect yourself and your loved ones from scams.
Here are preventative steps to take
Good Habits for Raising Money-Savvy Children
As children mature beyond stashing coins in piggy banks and begin managing their own money through more sophisticated vehicles like savings accounts, here are 3 tips to help them build good financial habits.
Click here to read more
Starting a Family
It’s important to anticipate what to expect before you’re expecting. Your monthly expenses are going to change now that you have an additional mouth to feed, and for some this might also coincide with a temporary—or more permanent—decrease in household income. By mapping out your baby budget in advance, you can help ease anxiety about counting diaper costs.
Learn More
Planning for Education Savings
Smart planning for the future education costs is critical. Learn more about how incorporating a 529 plan into your overall wealth strategy can help cover education expenses and offer tax-advantaged investing.
Check out this video for more informationLocation
555 California St
35th Floor
San Francisco, CA 94104
US
Direct:
(415) 984-6979(415) 984-6979
Toll-Free:
(800) 289-9060(800) 289-9060
Meet The Fort Point Group
Marissa K Simon, CFP®, CPWA®
First Vice President, Wealth Management, Financial Advisor
Phone:
(415) 984-6018(415) 984-6018
First Vice President, Wealth Management, Financial Advisor, Executive Financial Services Director, Senior Portfolio Manager
Sarah Subedar
Client Service Associate
Phone:
(415) 984-6626(415) 984-6626
Brandon West, Registered Client Service Associate
Registered Client Service Associate
Phone:
(415) 984-6631(415) 984-6631
About Walter C Lim
Walter has spent the entire 34 years of his professional career in the investment management business with Morgan Stanley and its predecessor firms. Apart from providing a comprehensive array of wealth management services to his clients, he also manages customized and discretionary accounts through the firm’s Portfolio Management (PM) program. Since 1992, he has been a member of the firm's distinguished President's Council, a select group of the firm’s top Financial Advisors.
Walter graduated from the University of California at Berkeley, with a degree in Business Administration, and has also earned a Certified Investment Management Analyst (CIMA) designation from the Wharton School of Finance and a Certified Portfolio Manager (CPM) designation from Columbia University. He was selected as one of the Top 250 Wealth Advisors in the nation by WORTH magazine in 2009. Walter is an avid golfer and presently resides in the San Francisco Bay Area with his wife, Rowena, and four children.
Walter graduated from the University of California at Berkeley, with a degree in Business Administration, and has also earned a Certified Investment Management Analyst (CIMA) designation from the Wharton School of Finance and a Certified Portfolio Manager (CPM) designation from Columbia University. He was selected as one of the Top 250 Wealth Advisors in the nation by WORTH magazine in 2009. Walter is an avid golfer and presently resides in the San Francisco Bay Area with his wife, Rowena, and four children.
Securities Agent: OH, GA, MD, ID, HI, CA, AZ, UT, PA, OK, WA, TN, IL, IA, CT, TX, MI, OR, ND, NC, MA, CO, NY, NH, IN, FL, VA, RI, NV; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1279456
NMLS#: 1279456
About Marissa K Simon
Marissa joined Morgan Stanley in 2012, working primarily on preparing financial plans for clients. As a Certified Financial Planner® with a strong planning-based background, Marissa now spends most of her time in face-to-face meetings with individuals to help them solve their myriad and complex financial issues. She also works closely with our clients’ outside trusted advisors, such as CPAs and/or attorneys.
Marissa currently has her Series 7 and 66 Securities Licenses as well as her Health and Life Insurance Licenses. Marissa attended the University of California, Berkeley, and spent a semester studying at the University of Auckland, New Zealand. Outside of work, she enjoys swimming, painting, and exploring San Francisco.
Marissa currently has her Series 7 and 66 Securities Licenses as well as her Health and Life Insurance Licenses. Marissa attended the University of California, Berkeley, and spent a semester studying at the University of Auckland, New Zealand. Outside of work, she enjoys swimming, painting, and exploring San Francisco.
Securities Agent: CA, OR, GA, CO, VA, PA, NH, NC, MA, KY, IN, AZ, UT, AR, WA, TN, NJ, TX, NV, ND, ID, OK, IL, FL, RI, OH, CT, NY, IA, HI; General Securities Representative; Investment Advisor Representative
NMLS#: 1370419
NMLS#: 1370419
About Juan A. Gachet
As a First Vice-president, Financial Advisor, Senior Portfolio Manager, and Executive Financial Services Director, I believe that comprehensive planning is essential for helping individuals and families ensure that their hard work and legacy will be protected and wisely invested.
I joined Morgan Stanley in 2014, and in May of 2018 I received the Academic Excellence Award for outstanding contributions to the personal financial planning program at UC Berkeley extension for my academic work in the classroom, as well as my work within the San Francisco Bay Area Latino community.
Originally from Ecuador, and with my multilingual background in Spanish, I'm able to work with clients in a language that is most comfortable to them. While earning my bachelors of science degree in Economics from San Jose State University, I learned the value of hard work and responsibility and gained my first exposure to the world of finance.
I served as Executive Vice-President for the San Francisco Chapter of the Association of Latino Professionals For America (ALPFA) from 2018-2020, where I worked to build business relationships to help the next generation of Latino Professionals find their dream job and start their professional journey.
I live in Santa Rosa, CA with my wife Julia and my son Leo. We enjoy camping, biking, and spending time with family and our friends.
I joined Morgan Stanley in 2014, and in May of 2018 I received the Academic Excellence Award for outstanding contributions to the personal financial planning program at UC Berkeley extension for my academic work in the classroom, as well as my work within the San Francisco Bay Area Latino community.
Originally from Ecuador, and with my multilingual background in Spanish, I'm able to work with clients in a language that is most comfortable to them. While earning my bachelors of science degree in Economics from San Jose State University, I learned the value of hard work and responsibility and gained my first exposure to the world of finance.
I served as Executive Vice-President for the San Francisco Chapter of the Association of Latino Professionals For America (ALPFA) from 2018-2020, where I worked to build business relationships to help the next generation of Latino Professionals find their dream job and start their professional journey.
I live in Santa Rosa, CA with my wife Julia and my son Leo. We enjoy camping, biking, and spending time with family and our friends.
Securities Agent: TX, GA, IL, RI, OR, HI, PA, NV, KY, ID, IA, NH, WA, VA, UT, OK, CT, AZ, NC, MA, AR, SC, OH, TN, NY, IN, ND, FL, CO, LA, CA, NJ; General Securities Representative; Investment Advisor Representative
NMLS#: 830416
NMLS#: 830416
About Sarah Subedar
Sarah Subedar is a dedicated Client Service Associate at Morgan Stanley's Fort Point Group. With a family background rooted in finance, her fascination with investing and financial markets developed early on. Sarah's commitment lies in providing friendly and thoughtful service to the team's clients, aiming to positively impact their lives. Putting clients' best interests first is a core belief for Sarah, so she takes a thoughtful approach in understanding their goals and needs, listening attentively to any comments and concerns that may arise along the way.
One aspect that Sarah particularly enjoys is building strong relationships with clients, enabling her to enhance their financial wellness. Exceeding clients' expectations brings her a sense of reward. As a member of the Fort Point Group, Sarah thrives on collaborating with her team to achieve shared goals and deliver first-class service to clients.
Outside of work, Sarah volunteers her time with the San Francisco/Marin Food Bank, finding fulfillment in assisting those in need. Her personal interests include spending quality time with her family, improving her culinary skills, practicing yoga, and immersing herself in nature through hiking and running.
Sarah attended San Francisco State University, where she majored in Criminal Justice/Political Science. She joined Morgan Stanley in September 2022.
One aspect that Sarah particularly enjoys is building strong relationships with clients, enabling her to enhance their financial wellness. Exceeding clients' expectations brings her a sense of reward. As a member of the Fort Point Group, Sarah thrives on collaborating with her team to achieve shared goals and deliver first-class service to clients.
Outside of work, Sarah volunteers her time with the San Francisco/Marin Food Bank, finding fulfillment in assisting those in need. Her personal interests include spending quality time with her family, improving her culinary skills, practicing yoga, and immersing herself in nature through hiking and running.
Sarah attended San Francisco State University, where she majored in Criminal Justice/Political Science. She joined Morgan Stanley in September 2022.
Contact Walter C Lim
Contact Marissa K Simon
Contact Juan A. Gachet
Wealth Management
From Our Team
What Kind of Retiree Do You Want to Be?
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
Article Image
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
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 Fort Point 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.
2Morgan 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.
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
4Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan 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.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8GlobalCurrency is available to clients of Morgan Stanley Smith Barney LLC with an eligible brokerage account. Before undertaking foreign exchange transactions, clients should understand the associated risks.
Engaging in foreign currency transactions entails more varied risks than normally associated with transactions in the domestic securities markets. Attention should be paid to market, credit, sovereign, and liquidity risks. The foreign exchange transactions and deposits discussed in this material may not be appropriate for all clients. The appropriateness of a particular investment or strategy depends upon a client’s particular circumstances and objectives. This material does not provide individually tailored investment advice.
9Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
10When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
11When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
12When 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.
13The 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.
14Morgan 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.
15Alternative 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.
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.
2Morgan 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.
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
4Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
6Morgan 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.
7Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
8GlobalCurrency is available to clients of Morgan Stanley Smith Barney LLC with an eligible brokerage account. Before undertaking foreign exchange transactions, clients should understand the associated risks.
Engaging in foreign currency transactions entails more varied risks than normally associated with transactions in the domestic securities markets. Attention should be paid to market, credit, sovereign, and liquidity risks. The foreign exchange transactions and deposits discussed in this material may not be appropriate for all clients. The appropriateness of a particular investment or strategy depends upon a client’s particular circumstances and objectives. This material does not provide individually tailored investment advice.
9Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
10When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
11When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
12When 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.
13The 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.
14Morgan 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.
15Alternative 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.
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Awards Disclosures
CRC 6491812 (04/2024)
