David H Fox, CFP®
Senior Vice President, Financial Advisor, International Client Advisor
Phone:
(561) 393-1516(561) 393-1516
The Fox Team at Morgan Stanley
Direct:
(561) 393-2032(561) 393-2032
Toll-Free:
(800) 327-0146(800) 327-0146
Our Mission Statement
Our mission is to help you achieve your objectives and provide financial guidance to help manage wealth from generation to generation.
Welcome
Working with many types of individuals, families and institutions has given our team the experience, perspective and skill to help you build a financial future.
You will work with professionals who can translate your goals into a custom designed wealth plan — customized to you and your needs for your financial future. Moreover, because we work as a team, you will always have access to a member of our team who understands your specific goals and strategy.
We strive to help you achieve your objectives and provide financial guidance to help manage wealth from generation to generation.
You will work with professionals who can translate your goals into a custom designed wealth plan — customized to you and your needs for your financial future. Moreover, because we work as a team, you will always have access to a member of our team who understands your specific goals and strategy.
We strive to help you achieve your objectives and provide financial guidance to help manage wealth from generation to generation.
Services Include
- Financial PlanningFootnote1
- Retirement PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Planning for Education FundingFootnote4
- Professional Portfolio ManagementFootnote5
- Trust ServicesFootnote6
- 401(k) Rollovers
- Cash Management and Lending ProductsFootnote7
- Municipal BondsFootnote8
- Corporate BondsFootnote9
- Alternative InvestmentsFootnote10
- Life InsuranceFootnote11
- Long Term Care InsuranceFootnote12
- Structured ProductsFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
Our group has developed a step-by-step approach to service to understand your financial goals and develop the solutions to help get you there.
1. Getting to Know You
This is our opportunity to learn about you and your opportunity to learn about us so that, collectively, we can determine whether we are a good fit for each other. If we agree to move forward, we will then continue with a more in-depth discussion. We take a deeper dive into the values that shape your decisions, the concerns that keep you up at night, and any unique family circumstances. We explore a host of qualitative and quantitative questions and request supporting documents to get a complete understanding of your situation.
2. Analysis and Strategy
Our team will review and analyze your current circumstances, and the future you envision. We prepare a first draft of your financial plan and portfolio risk review, and share them with you at our next meeting. In collaboration with you we revise the plan as needed, and provide you with a final draft that includes the specific strategies we recommend.
3. Implementing Your Plan
With your approval, we begin to implement the plan. This often encompasses a broad range of strategies – from investments and insurance to lending and estate planning.
4. Ongoing Stewardship
To ensure a personalized experience, we customize a communication plan that takes into account your preferences. We meet regularly to ensure your plan remains current and to review your progress towards achieving your goals.
Digital Tools
Morgan Stanley's suite of Modern Wealth Management Tools allows advisors to offer more customized and comprehensive advice than anywhere else. These tools' ease of use allows for a more in-depth view of a client's financial life to be taken, resulting in better service and more well-rounded advice.
Retirement Planning
Saving for retirement is a lifelong process that relies on defined financial planning strategies. Having enough income to comfortably cover all necessary expenses is a key to a successful retirement.
Learn More About Retirement Planning
LifeView
LifeView is a suite of planning tools that includes goal-specific analysis that Financial Advisors can use with clients to create a realistic, holistic strategy that integrates the various aspects of an individual’s financial life, including investments and cash management needs.
Learn More About LifeView
Tax Management Services
The tax decisions you make today can help you save for years to come. Consider these smart tax strategies for your financial plan.
Learn More About Tax Management Services
Data Security
At Morgan Stanley, safeguarding your assets and personal information is among our highest priorities. Learn about our security measures and use our resources and ideas to help protect yourself online.
Learn More About Data Security
Morgan Stanley Online
Seamlessly and securely manage your investments and everyday finances in one place with Morgan Stanley Online (MSO) and the Morgan Stanley Mobile App.
Learn More About Morgan Stanley Online
Total Wealth View
Complete your financial picture with Total Wealth View. By linking your account information, you will benefit from more informed wealth planning, more secure data access, and convenient connectivity.
Learn More About Total Wealth View
Estate and Trust Planning Strategies
Estate planning is the process of making arrangements to pass down wealth and assets after a person’s death. Proper estate planning gives careful consideration to the estate owner’s future plans, preferences and goals. The tax implications of the plan should also be thoroughly documented.
Learn More About Estate and Trust Planning Strategies
Spending and Budgeting
As a Morgan Stanley client, you have access to Spending and Budgeting tools to help you manage all of your accounts at Morgan Stanley, as well as those held away at outside financial institutions. These tools allow you to track your financial goals and manage your money in a modern way.
Learn More About Spending and BudgetingAwards
David H Fox, CFP®
• Forbes Magazine Best-In-Florida Wealth Advisors 2018, 2020, 2021, 2023, 2024
• Barron's Top 1,000 Financial Advisors 2014-2017
• Barron's Top 1,200 Financial Advisors 2011-2013
• Financial Times Top 400 Financial Advisors 2015
2011-2017 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2011-2017). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
2018, 2020, 2021, 2023, 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018, 2020, 2021, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded Mar 2015) Data compiled by Financial Times based on time period from 9/30/13 - 9/30/14.
• Barron's Top 1,000 Financial Advisors 2014-2017
• Barron's Top 1,200 Financial Advisors 2011-2013
• Financial Times Top 400 Financial Advisors 2015
2011-2017 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2011-2017). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
2018, 2020, 2021, 2023, 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018, 2020, 2021, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded Mar 2015) Data compiled by Financial Times based on time period from 9/30/13 - 9/30/14.
Neil A Fox
• Forbes Magazine Best-In-Florida Wealth Advisors 2018, 2023 & 2024
• Barron's Top 1,200 Financial Advisors 2014-2018
• Barron's Top 1,000 Financial Advisors 2011-2013
• Financial Times Top 400 Financial Advisors 2015
2011-2018 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2011-2018). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
2018, 2023, 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded Mar 2015) Data compiled by Financial Times based on time period from 9/30/13 - 9/30/14.
• Barron's Top 1,200 Financial Advisors 2014-2018
• Barron's Top 1,000 Financial Advisors 2011-2013
• Financial Times Top 400 Financial Advisors 2015
2011-2018 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2011-2018). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
2018, 2023, 2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018, 2023, 2024). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded Mar 2015) Data compiled by Financial Times based on time period from 9/30/13 - 9/30/14.
Location
595 So Federal Hwy
Ste 400
Boca Raton, FL 33432
US
Direct:
(561) 393-2032(561) 393-2032
Toll-Free:
(800) 327-0146(800) 327-0146
Meet The Fox Team
Brian Lum
Financial Advisor, Associate Vice President
Phone:
(561) 393-1543(561) 393-1543
Cherie S. Glaser
Wealth Management Associate, Financial Planning Associate
Phone:
(561) 393-1514(561) 393-1514
Nicole Lee
Portfolio Associate
Phone:
(561) 393-2032(561) 393-2032
About David H Fox
David is a Senior Vice President, Financial Advisor and partner in the Fox Team at Morgan Stanley. He has worked in the financial services industry since 1991, exclusively with Morgan Stanley and its predecessor firms. As a Certified Financial PlannerTM, he utilizes his knowledge to design wealth management strategies for his clients.
David was named one of the Top U.S. Financial Advisors by Barron’s in 2011 and 2012, and one of the Top 1,200 Financial Advisors in 2014, 2015 and 2016. He was also recognized as one of the Top 400 Financial Advisors by the Financial Times in 2015 and he has been included in Morgan Stanley’s prestigious Master’s Club and President’s Council.
David graduated from Ithaca College with a B.S in finance. He and his wife, Jaimi, have two children, Courtney and Brian. For years, he has been very active in the St. Andrew’s School lacrosse program.
2011-2017 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2011-2017). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
2018, 2020, 2021, 2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018, 2020, 2021, 2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded Mar 2015) Data compiled by Financial Times based on time period from 9/30/13 - 9/30/14.
David was named one of the Top U.S. Financial Advisors by Barron’s in 2011 and 2012, and one of the Top 1,200 Financial Advisors in 2014, 2015 and 2016. He was also recognized as one of the Top 400 Financial Advisors by the Financial Times in 2015 and he has been included in Morgan Stanley’s prestigious Master’s Club and President’s Council.
David graduated from Ithaca College with a B.S in finance. He and his wife, Jaimi, have two children, Courtney and Brian. For years, he has been very active in the St. Andrew’s School lacrosse program.
2011-2017 Barron's Top 1,200 Financial Advisors: State-by-State (formerly referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2011-2017). Data compiled by Barron's based on 12-month period concluding in Sept of the year prior to the issuance of the award.
2018, 2020, 2021, 2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018, 2020, 2021, 2023). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded Mar 2015) Data compiled by Financial Times based on time period from 9/30/13 - 9/30/14.
Securities Agent: AR, CA, CO, CT, DC, DE, FL, GA, IA, IL, IN, KY, LA, MA, MD, ME, MI, NC, NH, NJ, NM, NV, NY, OH, OR, PA, RI, SC, TX, UT, VA, VT, WA, WI, AZ, TN, AL; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1274572
CA Insurance License #: 0D27050
NMLS#: 1274572
CA Insurance License #: 0D27050
About Brian Lum
In 1998, Brian started his career in the financial services industry. He joined the Fox Team in 2010 to work with institutional and high-net-worth clients. He takes a holistic approach in the selection of investment solutions to help them reach their financial goals. In addition to financial planning fundamentals such as asset allocation and retirement strategies, Brian focuses on strategic lending and insurance coverage. It is extremely rewarding for Brian to see the impact a comprehensive strategy can have on his clients’ lives. He is a member of the Morgan Stanley Pacesetter’s Club, and he was a member of the firm’s Blue Chip Council from 2008-2009. In 2022, he received his promotion to Associate Vice President at Morgan Stanley.
Brian graduated from Florida State University with a Bachelor of Science double majoring in finance and marketing. For over 19 years he coached at Boomers Volleyball Academy, where he coached athletes toward college and Olympic careers. As a parent of a daughter with a hearing disability, Brian especially values his participation with the Alexander Graham Bell Association for the Deaf and Hard of Hearing. In his free time, Brian enjoys cruising, staying fit and playing competitive pickleball.
Brian graduated from Florida State University with a Bachelor of Science double majoring in finance and marketing. For over 19 years he coached at Boomers Volleyball Academy, where he coached athletes toward college and Olympic careers. As a parent of a daughter with a hearing disability, Brian especially values his participation with the Alexander Graham Bell Association for the Deaf and Hard of Hearing. In his free time, Brian enjoys cruising, staying fit and playing competitive pickleball.
Securities Agent: DC, DE, FL, IA, IL, IN, KY, LA, MA, MD, ME, MI, NC, NH, NJ, NM, NV, NY, OH, OR, PA, RI, SC, TN, TX, GA, VA, VT, WA, WI, AL, AR, AZ, CA, CO, CT; General Securities Representative; Investment Advisor Representative
NMLS#: 1272724
CA Insurance License #: 0I67199
NMLS#: 1272724
CA Insurance License #: 0I67199
About Cherie S. Glaser
Cherie has been a member of the Fox team for more than 25 years. She originally joined the group as a Financial Advisor in 1994, and later she decided to take on a management position in order to assist with daily operations for institutional and retail clients. In this role, she addresses and resolves clients' service inquiries. Prior to joining the team, she worked in real estate and insurance sales in Baltimore, Maryland.
Cherie and her husband, Herb, have seven grandchildren. She enjoys golfing and is an active member of the Weston Hills Country Club, as well as several other philanthropic organizations.
Cherie and her husband, Herb, have seven grandchildren. She enjoys golfing and is an active member of the Weston Hills Country Club, as well as several other philanthropic organizations.
About Nicole Lee
Nicole has more than 24 years of experience in the financial services industry. She has multifaceted duties, which comprise coordinating the group’s overall day-to-day operation, implementing business management systems through computer –based research and restructuring business models to increase client service quality. Nicole is firmly committed to long-term relationships and strives to deliver exceptional client service.
Nicole was born in the Caribbean island of Trinidad and Tobago and eventually moved to Florida for college. She graduated with a Bachelor of Science degree in Management and Marketing.
Nicole was born in the Caribbean island of Trinidad and Tobago and eventually moved to Florida for college. She graduated with a Bachelor of Science degree in Management and Marketing.
Contact David H Fox
Contact Brian Lum
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Frank Hammad
Private Banker
About Frank Hammad
Frank Hammad is a Private Banker serving Morgan Stanley Wealth Management offices in Florida.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Frank began his career in financial services in 2000, and joined Morgan Stanley in 2010 as a Commercial Real Estate Banker. Prior to joining the firm, he was a Commercial Real Estate Banker at BB&T.
Frank is a graduate of the University of Miami, where he received a Bachelor of Business Administration in International Marketing and Business Management, and Nova Southeastern University, where he received his Masters in International Business Administration. He lives in Plantation, Florida with his family. Outside of the office, he enjoys football and hockey.
Private Bankers partner with Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Frank began his career in financial services in 2000, and joined Morgan Stanley in 2010 as a Commercial Real Estate Banker. Prior to joining the firm, he was a Commercial Real Estate Banker at BB&T.
Frank is a graduate of the University of Miami, where he received a Bachelor of Business Administration in International Marketing and Business Management, and Nova Southeastern University, where he received his Masters in International Business Administration. He lives in Plantation, Florida with his family. Outside of the office, he enjoys football and hockey.
NMLS#: 798426
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?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact The Fox Team 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.
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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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.
5Morgan 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.
6Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan 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 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
8Municipal 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.
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
10Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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.
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.
3Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
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.
5Morgan 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.
6Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan 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 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
8Municipal 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.
9Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
10Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
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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:
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The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
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The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024)
