Senior Vice President, Wealth Management, Financial Advisor, Corporate Client Group Director, Workplace Advisor - Equity Compensation
Phone:
(248) 848-8035(248) 848-8035
The Four Bridges Group at Morgan Stanley
Toll-Free:
(800) 852-2070(800) 852-2070
Our Mission Statement
At the Four Bridges Group we empower clients to strive to achieve financial freedom through personalized and informed financial planning services.
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.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working with You
At The Four Bridges Group we believe that identifying financial strategies 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 strategy that can help meet your individual needs. This process aligns our efforts with your interests, providing a road map focused on what is most important to you.
Step 1: Introductory Meeting
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals. We will get to know what you and your family value most when building the relationship.
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 out 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 your 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.
Investor Resources
Here at Morgan Stanley, we strive to simplify complex financial ideas so that our clients understand what is being done on their behalf to plan for their financial future. We are firm believers of giving our clients as many resources as possible so they can stay informed about the latest market trends, outlooks, and breakdowns. Morgan Stanley seeks to make complex financial ideas more digestible so that our clients understand what is being done on their behalf to plan for their financial future, and why. The links below provide detailed analysis on interesting topics that are affecting the finance and business worlds.
Thoughts on the Market
With perspectives on the forces shaping the market, join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Listen here
Global Investment Committee on the Markets
A monthly publication that summarizes the Global Investment Committee’s market outlook and contains thought-provoking essays that examine the forces shaping the investment landscape. Check out this month's edition below.
Read: "GIC on the Markets"
Home Loans
As a Morgan Stanley client, you have access to our dedicated Home Loans team, who will work with you to explore the right solution for your home financing needs.
Options To Meet Your Needs
Alternative Investments
Our comprehensive alternatives platform offers 160+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
Morgan Stanley Alternative Investments
Trust & Estate Planning
With you every step of the way. I analyze your tax and estate structures so that their tax characteristics are accurately incorporated in the asset allocation analysis performed for the client.
Click here to learn more
Tax Management
The tax decisions you make today can help you save for years to come. There are many tax smart strategies for your financial plan.
Tax Efficient PlanningKey Life Events
Birth
Welcoming a child into the family is a joyous occasion for everyone. As your trusted advisor, I will help you plan and prepare for the financial components that a new child might introduce to your lives.
Learn More About Giving to Children
Education
Education is a major investment that often requires years of careful, advanced planning. As educational costs continue to rise - from primary education through undergraduate, graduate and professional schools - we will work together to implement the appropriate funding strategies for your needs.
529 Plans: A Powerful Tool to Save for Education
Marriage
There are few events more exciting than tying the knot with the person you love. Managing your wealth is a critical component to maintaining a long, fruitful marriage. Also, helping fund your child's wedding is a goal for many parents and grandparents.
Learn More About Talking Money
Divorce
Divorce is a stressful ordeal that is seldom easy. In can be very difficult to brave this battle alone. If necessary, I will help guide you through the priorities and issues that need to be settled to ensure that your needs are met with care and respect.
Learn More About Divorce
Retirement
Some people look forward to retirement as their time to relax and enjoy the fruits of their decades-long career. Others worry about their ability to support their lifestyle given certain life challenges. Saving for retirement is a lifelong process that relies on defined financial planning strategies.
Learn More About Retirement Planning
Death
Dealing with our own mortality is intense and challenging. Aside from coping with the loss of a loved one, legal matters also require immediate attention, including the administration of the estate. Even though it is a difficult conversation to have, I will help you determine your estate planning goals to minimize conflict and confusion for your loved ones when your legacy is passed on.
Learn More About Estate PlanningEquity Compensation Overview
For most of our clients, wealth building begins at work. Helping you make the most of your compensation and the benefits you receive through your employer may help you reach your financial goals more quickly. We think it's important to consider and discuss the following:
Equity Compensation Helps You Meet Your Goals
Helping you understand how your equity compensation works can allow us to more effectively integrate your equity award into your broader financial plan and use it to meet your goals.
Diversifying Company Equity Holdings
Equity compensation can be a valuable part of your compensation, but as you accumulate company stock over time, including in your 401(k), it may become a disproportionate share of your total portfolio and net worth. If the value of that stock declines—for any reason—your net worth could take a major hit. That’s why it’s a good idea to consider diversifying.
Tax Considerations with Equity Compensation
To make the most of your equity compensation, you will need to know the tax impact of your equity awards. The type of equity compensation and the length of time you hold the actual shares underlying the award will determine the tax treatment of your equity compensation. Having a strategy to minimize these taxes will allow you to keep more of the equity compensation you’ve earned.
Understanding RSUs and PSUs
Restricted Stock Units (RSUs) are a promise to deliver shares of company stock to the holders upon vesting. Performance Stock Units (PSUs) are similar to RSUs, but their vesting schedule may be based solely or in addition to on predetermined measures of performance. The employee is not required to pay for the shares when shares are awarded or when they vest. Understanding your RSUs and PSUs are critical when implementing a plan.
Stock-Based Equity Compensation
For more information on Stock-Based Equity Compensation click the link below!
Click HereLocation
35055 W 12 Mile Rd.
Ste 101
Farmington Hills, MI 48331
US
Toll-Free:
(800) 852-2070(800) 852-2070
Meet The Four Bridges Group
Senior Vice President, Financial Advisor, Investment Management Consultant, Workplace Advisor - Equity Compensation
Phone:
(248) 848-8021(248) 848-8021
Phone:
(248) 848-8046(248) 848-8046
Whitney D. Gravelle Bonaquist
Assistant Vice President, Wealth Management Associate
Phone:
(248) 848-8785(248) 848-8785
About Keith E Kozak
Keith Kozak, Senior Vice President, has worked in the financial industry since 1994. He has obtained over 27 years of experience navigating and maximizing the benefits of corporate stock plans for executives while providing financial council and customized asset management.
Keith focuses primarily on equity compensation and executive wealth management. His core competency is transacting various methods of employee stock option exercises and creating exit strategies from highly concentrated stock positions. He advises corporate executives on maximizing the value of their retirement and pension plans while building a proper tax-efficient cash-flow strategy during retirement.
Keith is an Alumnus of Michigan State University and resides in White Lake Township with his three daughters.
Keith focuses primarily on equity compensation and executive wealth management. His core competency is transacting various methods of employee stock option exercises and creating exit strategies from highly concentrated stock positions. He advises corporate executives on maximizing the value of their retirement and pension plans while building a proper tax-efficient cash-flow strategy during retirement.
Keith is an Alumnus of Michigan State University and resides in White Lake Township with his three daughters.
Securities Agent: MA, LA, NC, PA, HI, TX, MN, IN, FL, WA, VA, KY, CT, CO, WI, UT, NY, KS, AZ, OR, NV, NJ, MI, MD, GA, CA, VT, TN, OH, IL, SC, PR; General Securities Representative; Investment Advisor Representative
NMLS#: 2587371
NMLS#: 2587371
About Shawn P Kelly
Shawn P. Kelly, CFP®, Senior Vice President, has worked in the financial industry since 1986. He oversees strategic portfolio construction, asset allocation, market research and day-to-day investment management responsibilities for client accounts.
As a Certified Financial Planner (CFP®). Shawn possesses one of the most rigorous certifications in the financial planning industry allowing him to advise clients on a wide variety of topics including retirement and estate planning strategies, investment and tax planning strategies, as well as risk management.
As an Investment Management Consultant, Shawn's role is to assist clients in determining a suitable asset allocation strategy by considering investment time horizon, risk tolerance and cash flow needs. Whether the goal is wealth accumulation or wealth preservation, we believe focusing on quality investments, diversifying them and maintaining a long-term perspective are keys to reaching your goals.
As an alumnus of the University of Michigan with a Bachelors of Science in Finance, Shawn continues to expand his learning by participating in numerous industry related educational programs that keep him in tune with the ever-changing financial landscape.
Shawn and his wife Teri reside in Highland, MI. They enjoy outdoor activities including golf, hiking and travel.
As a Certified Financial Planner (CFP®). Shawn possesses one of the most rigorous certifications in the financial planning industry allowing him to advise clients on a wide variety of topics including retirement and estate planning strategies, investment and tax planning strategies, as well as risk management.
As an Investment Management Consultant, Shawn's role is to assist clients in determining a suitable asset allocation strategy by considering investment time horizon, risk tolerance and cash flow needs. Whether the goal is wealth accumulation or wealth preservation, we believe focusing on quality investments, diversifying them and maintaining a long-term perspective are keys to reaching your goals.
As an alumnus of the University of Michigan with a Bachelors of Science in Finance, Shawn continues to expand his learning by participating in numerous industry related educational programs that keep him in tune with the ever-changing financial landscape.
Shawn and his wife Teri reside in Highland, MI. They enjoy outdoor activities including golf, hiking and travel.
Securities Agent: TX, GA, WA, SC, NV, MD, CO, VA, AZ, UT, OK, OH, TN, PR, KS, IN, OR, MA, LA, HI, FL, CA, PA, NJ, IL, CT, NY, MN, KY, NC, MO, WI, MI; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1412077
NMLS#: 1412077
About Zachary M. Bensinger
Zachary M. Bensinger is a Financial Advisor and a fully licensed investment professional with Morgan Stanley. He has 5 years of experience and has been with the firm since 2018.
Growing up on the east side of Michigan with two hard working parents, Zach learned the importance of a strong work ethic, attention to detail and integrity. He attributed these qualities towards hockey and school early on and has carried that forward into his career as a Financial Advisor today.
Zach’s primary focus is to bring order to your financial life and work alongside you in order to achieve your financial commitments and goals. The process begins by understanding who you are, what is important to you and what your objectives are.
At the beginning of 2021, Zach joined the Four Bridges Group in order to enable his clients to benefit from the capabilities he believes comes with working with a team. Working as a partner of the Four Bridges Group has allowed him to broaden the advice and guidance Zach provides to his clients while leveraging the experience of his team alongside the intellectual capital of Morgan Stanley.
Zach earned a Bachelors degree in Finance from Michigan State University Eli Broad College of Business where he graduated with honors. He holds his General Securities Representatives License (series 7), Uniform Combined State Law License (Series 66), Resident Producer: Accident and Health, Life Insurance and Variable Annuities Licenses, and a National Mortgage License.
Zach currently resides in Royal Oak, Michigan. In his free time, he enjoys golf, fishing, hockey, boating and spending time with family and friends.
Growing up on the east side of Michigan with two hard working parents, Zach learned the importance of a strong work ethic, attention to detail and integrity. He attributed these qualities towards hockey and school early on and has carried that forward into his career as a Financial Advisor today.
Zach’s primary focus is to bring order to your financial life and work alongside you in order to achieve your financial commitments and goals. The process begins by understanding who you are, what is important to you and what your objectives are.
At the beginning of 2021, Zach joined the Four Bridges Group in order to enable his clients to benefit from the capabilities he believes comes with working with a team. Working as a partner of the Four Bridges Group has allowed him to broaden the advice and guidance Zach provides to his clients while leveraging the experience of his team alongside the intellectual capital of Morgan Stanley.
Zach earned a Bachelors degree in Finance from Michigan State University Eli Broad College of Business where he graduated with honors. He holds his General Securities Representatives License (series 7), Uniform Combined State Law License (Series 66), Resident Producer: Accident and Health, Life Insurance and Variable Annuities Licenses, and a National Mortgage License.
Zach currently resides in Royal Oak, Michigan. In his free time, he enjoys golf, fishing, hockey, boating and spending time with family and friends.
Securities Agent: IL, OH, SC, PR, NY, MD, PA, NV, MT, MA, FL, AZ, NC, MO, MN, KS, HI, GA, MI, KY, CA, WA, TX, LA, WI, OK, IN, UT, NM, CT, NJ, CO, AL, VA, TN, OR; General Securities Representative; Investment Advisor Representative
NMLS#: 1819600
NMLS#: 1819600
About Whitney D. Gravelle Bonaquist
Hello, I am Whitney Gravelle Bonaquist and I look forward to providing you with the best possible service I can offer! I develop deep relationships with our clients to deliver efficient and personal service, and I am proud to be a critical member of the Four Bridges Group team.
I am a Wealth Management Associate and a fully licensed investment professional with Morgan Stanley. I have been with the Four Bridges Group team since August 2018 and have 11 years of total experience in the Wealth Management field. Currently my role is encompassed around account maintenance and portfolio trading, as well as managing our two wonderful service associates, Derrick Boots and Phyllis Spears, and our team operations.
I earned my Bachelor of Arts degree from Michigan State University as well as a Master of Science degree from Eastern Michigan University. I currently hold two licenses which are the General Securities Representatives License (Series 7) and the Uniform Combined State Law License (Series 66). I also look forward to continuing my education and gaining more specialties and licenses with Morgan Stanley to help better assist you, the client.
Originally from Howell, I now reside in New Hudson, Michigan with my husband, Jason, as well as two dogs (Bumble and Roxy), two bunnies (Doc and Rosie) and two guinea pigs (Taco and Edgar). In my free time I enjoy learning more about my passion in architectural preservation, as well as golfing, drawing, painting and gardening.
I am a Wealth Management Associate and a fully licensed investment professional with Morgan Stanley. I have been with the Four Bridges Group team since August 2018 and have 11 years of total experience in the Wealth Management field. Currently my role is encompassed around account maintenance and portfolio trading, as well as managing our two wonderful service associates, Derrick Boots and Phyllis Spears, and our team operations.
I earned my Bachelor of Arts degree from Michigan State University as well as a Master of Science degree from Eastern Michigan University. I currently hold two licenses which are the General Securities Representatives License (Series 7) and the Uniform Combined State Law License (Series 66). I also look forward to continuing my education and gaining more specialties and licenses with Morgan Stanley to help better assist you, the client.
Originally from Howell, I now reside in New Hudson, Michigan with my husband, Jason, as well as two dogs (Bumble and Roxy), two bunnies (Doc and Rosie) and two guinea pigs (Taco and Edgar). In my free time I enjoy learning more about my passion in architectural preservation, as well as golfing, drawing, painting and gardening.
Contact Keith E Kozak
Contact Shawn P Kelly
Contact Zachary M. Bensinger
Wealth Management
Global Investment Office
Portfolio Insights
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
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 Four Bridges 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 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.
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 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.
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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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.
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 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.
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 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.
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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
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.
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
CRC 6491812 (04/2024)
