First Vice President, Financial Advisor, Senior Portfolio Manager, Financial Planning Specialist
Phone:
(937) 312-2245(937) 312-2245
The Four Points Group at Morgan Stanley
Direct:
(937) 312-2245(937) 312-2245
Toll-Free:
(800) 966-8077(800) 966-8077
Our Mission Statement
The Four Points Group develops customized and comprehensive financial plans to help clients navigate towards their unique goals and dreams.
The Four Points Group at Morgan Stanley
A compass gives you direction, keeps you on the right track and guides you to your destination. Similarly, Pat and Jennifer formed The Four Points Group to help our clients navigate their unique goals and dreams. Like the points of a compass, we guide our clients with a financial direction to achieve those goals by developing comprehensive financial plans and managing customized investment portfolios.
The Four Points Group at Morgan Stanley has the expertise to help you navigate your goals and is formed of a culture of genuine desire to help people. That culture is a common thread in how we approach our clients, each other, and our community. Our strength comes from trusting that each member of this team is ethical and a positive force. We treat each other and our clients with respect and integrity. Part of this vision includes educating the next generation and passing along the knowledge we have had the privilege to gain.
By leveraging the firm’s technology and each team member’s unique skills while still maintaining a personal experience for the client, the Four Points Group has a goal to provide each client with customized and comprehensive wealth management at an elevated service level. Our desire is for each client to feel that they have a cohesive team of knowledgeable people that stand ready to provide them with an unmatched client experience in an efficient way.
We at the Four Points Group are proud of the team we built and the services we have to offer. With forward-thinking vision and our level of excellence, we are committed to helping you and your family achieve your goals.
The Four Points Group at Morgan Stanley has the expertise to help you navigate your goals and is formed of a culture of genuine desire to help people. That culture is a common thread in how we approach our clients, each other, and our community. Our strength comes from trusting that each member of this team is ethical and a positive force. We treat each other and our clients with respect and integrity. Part of this vision includes educating the next generation and passing along the knowledge we have had the privilege to gain.
By leveraging the firm’s technology and each team member’s unique skills while still maintaining a personal experience for the client, the Four Points Group has a goal to provide each client with customized and comprehensive wealth management at an elevated service level. Our desire is for each client to feel that they have a cohesive team of knowledgeable people that stand ready to provide them with an unmatched client experience in an efficient way.
We at the Four Points Group are proud of the team we built and the services we have to offer. With forward-thinking vision and our level of excellence, we are committed to helping you and your family achieve your goals.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Creating a Plan that Best Fits Your Needs
At the Four Points Group, we can help you reach your goals by creating customized Financial Plans and guiding you through the best way to manage your total wealth. Our team is dedicated to creating a plan that best fits your needs and monitor the plan’s success to make sure you are on the right track.
Step 1: Set client-advisor expectations
Our first step is to set expectations, making sure you reach your goals and maximize our services. How? We provide customized service to assist you in determining your financial goals and a personalized solution to manage assets to achieve those goals.
Step 2: Determine client objectives
At the Four Points Group, we take the time to clarify your goals, aligning them with the expectations set in the previous step. Having concrete objectives gives us a clear understanding of what you want to achieve and how we can do our best to help obtain those goals.
Step 3: Gather data
After expectations are set and objectives are clear, we meet with you to gather relevant information that we believe to be important to assist you in reaching your financial goals. With the data obtained, we then formulate and create a detailed Financial Plan.
Step 4: Evaluate and analyze data
Once we gather all relevant information and create a Financial Plan accordingly, we tweak, update, and modify the plan based on assumptions. We carefully analyze the gathered data and align the information with our assumptions that we believe to be the best fit for you.
Step 5: Recommend solution for attaining objectives
Utilizing a certain structure that best fits your needs, we recommend solutions that match your goals.
Step 6: Implementation
After the proposed Financial Plan has been approved by you, we implement the plan and get you on track towards obtaining your goals. Implementation includes transferring assets, rollovers, and any other action aligned with the Financial Plan.
Step 7: Monitor
Once the Financial Plan is in place, we consistently review and monitor its progress to make sure that the plan is successful and aligned with your goals. Through daily asset management, quarterly reviews and reports, monthly statements, and semi-annual client meetings, the Four Points Group is dedicated to updating and reviewing your Financial Plan to help you achieve your goals.
Road to Retirement
Our team can help you find the best way to plan for retirement. We work with you to build a customized retirement plan based on your goals. By thoroughly analyzing your objectives, needs, wants and wishes, the Four Points Group can help you find the best road to retirement.
Are you ready for Retirement?
When starting to plan for retirement, having a clear timeline is a very important factor to consider. Whether you want to retire soon or several years from now, planning for retirement is always a great idea. We can help you get started with your road to retirement and guide you through the best journey to get there.
Tax-Efficient Solutions
Saving for retirement can heavily impact your taxes. We can help you discover ways to minimize taxes and the best strategies to tackle tax savings. Find ways to minimize your taxable income and preserve the wealth you have been setting aside for retirement.
Learn more here
Planning with LifeView
LifeView is a suite of planning tools that we utilize with our clients to have a total picture of your financial situation. This allows us to develop a holistic and integrated strategy through goal-specific analysis, including retirement-related strategies that can further help your road to retirement. Contact us to learn more about LifeView and how we can help.
Six Common Mistakes in Retirement
As you prepare for this exciting new journey of retirement, it may be easy to make these common mistakes. Read the article to learn what they are and how we can help you to best avoid them.
Read the article hereCommunity Involvement
The Four Points Group strives to give back to our community in a meaningful way. Our team spends countless hours throughout the year volunteering for several different organizations that includes the performing arts, youth sports, community outreach programs and local schools. Some examples include,
Leukemia & Lymphoma Society
Pat competed as the 2016 Man of the Year Candidate. The Man of the Year Campaign is a friendly competition between local professionals to raise the most funds for LLS.
Family Violence Prevention Center
The Four Points Group lends their organizational skills to helping plan their annual fundraiser gala event. In addition, they are a Corporate Sponsor for the event and attend with many community members to raise much needed funds for the organization to operate.
Learn More Here
Soccer Associations
Cheryl serves on the Board of Directors for Miami Valley Youth Soccer Association and Ohio Soccer Association. Both programs are devoted to developing the game of soccer at the grass roots level. In addition, she is a youth soccer coach and runs several local soccer events in the community.
How We Can Help You
As you plan for your future and juggle with your finances, the Four Points Group can help you navigate financial planning in the most organized and efficient way. Why choose us? Besides our professionalism and attentive detail to your needs, we differentiate ourselves in terms of;
Financial Planning
Life is constantly changing. How do I protect myself from sudden, unexpected events? How can I budget and reach my goals? We can help you tackle these difficult questions.
Professional Portfolio Management
There is so much I want to achieve in life. How do I manage it all with only one strategy?
Risk Identification Management
On the journey towards achieving your goals, obstacles may arise in many ways, such as death or divorce. We help you manage and minimize these risks through insurance reviews, liquidity strategies, and more.
Legacy Planning
Transferring generational wealth and estate planning require more effort and time than families often think. We help you align estate planning goals with the correct beneficiary designation requirements, while incorporating tax efficient strategies.
Philanthropic Planning
There are many ways to make a difference in today’s world. Finding how you can contribute may be overwhelming and confusing. It is therefore important to determine clear and efficient Philanthropic objectives.
Retirement Planning
How do I know if I’m on the right track towards achieving my retirement goals? Have I set aside enough money to retire? Working with us can help you answer these questions.
Location
7777 Washington Village Dr
Ste 100
Dayton, OH 45459
US
Direct:
(937) 312-2245(937) 312-2245
Toll-Free:
(800) 966-8077(800) 966-8077
Meet The Four Points Group
About Jennifer A LaRue
Jennifer has been with Morgan Stanley since 2010 and
takes pride in developing comprehensive financial plans and customized investment portfolios that work together. She focuses on assisting clients to develop financial goals and objectives, while uncovering the financial and income needs for their immediate and future plans. She does this with a customized approach that is unique to each of her client’s individual financial situation. Jennifer, currently, holds her Series 7, 66, 31, Life/Health/long-term care Insurance and National Mortgage licenses. NMLS# 1407618.
Jennifer is a graduate of Wright State University in Dayton, OH, with a Bachelor of Science in Business Administration. She lives in Springboro with her husband Todd. They have a son in the US Navy and a daughter in college. Jennifer spends time volunteering and fundraising with local charitable organizations and enjoys reading, gardening, and trail running.
takes pride in developing comprehensive financial plans and customized investment portfolios that work together. She focuses on assisting clients to develop financial goals and objectives, while uncovering the financial and income needs for their immediate and future plans. She does this with a customized approach that is unique to each of her client’s individual financial situation. Jennifer, currently, holds her Series 7, 66, 31, Life/Health/long-term care Insurance and National Mortgage licenses. NMLS# 1407618.
Jennifer is a graduate of Wright State University in Dayton, OH, with a Bachelor of Science in Business Administration. She lives in Springboro with her husband Todd. They have a son in the US Navy and a daughter in college. Jennifer spends time volunteering and fundraising with local charitable organizations and enjoys reading, gardening, and trail running.
Securities Agent: ME, HI, AZ, AL, TX, LA, CO, NM, MS, MI, IN, CT, NH, KS, IL, VA, TN, MO, DE, WA, WI, NC, KY, FL, OR, MN, MA, CA, GA, PA, OK, SC, OH, NY; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1407618
NMLS#: 1407618
Contact Jennifer A LaRue
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Ready to start a conversation? Contact The Four Points Group today.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4When 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.
5When 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.
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, charitable giving, philanthropic planning and other legal matters.
7Morgan 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.
8Morgan 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.
9Insurance 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.
2When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should 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.
3Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
4When 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.
5When 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.
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, charitable giving, philanthropic planning and other legal matters.
7Morgan 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.
8Morgan 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.
9Insurance 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
CRC 6491812 (04/2024)
