Senior Vice President, Financial Advisor, Workplace Advisor - Equity Compensation, Alternative Investments Director
Phone:
(312) 827-6692(312) 827-6692
The Frontier Group at Morgan Stanley
Direct:
(312) 827-6873(312) 827-6873
Our Mission Statement
Providing the experience and expertise to help build your wealth, create actionable solutions, and preserve your legacy.
Our Story and Services
The Frontier Group is comprised of experienced financial professionals throughout the country that help clients meet their financial goals by leveraging the intellectual capital and resources of Morgan Stanley. Their focus lies primarily on business owners, equity compensation plans for corporations, as well as their executives and employees.
We provide executive financial services and wealth management solutions to clients from many different walks of life, and we understand that each client requires tailored advice in order to help achieve their financial objectives. Through over 30 years of experience, our select group of Financial Advisors, Senior Portfolio Managers, and Client Service Associates utilize financial planning as the bedrock of our practice in order to provide appropriate recommendations to our clients.
We are honored to work with our clients and their families, and we hold a great deal of appreciation toward the trust and commitment they place in our team.
Named one of the Forbes 2024 Best-In-State Wealth Management Teams in Illinois.
Source: Best-In-State Wealth Management Teams 2024 (forbes.com) (Awarded January 2024) Data provided by SHOOK ® Research, LLC – Data as of 3/31/23.
We provide executive financial services and wealth management solutions to clients from many different walks of life, and we understand that each client requires tailored advice in order to help achieve their financial objectives. Through over 30 years of experience, our select group of Financial Advisors, Senior Portfolio Managers, and Client Service Associates utilize financial planning as the bedrock of our practice in order to provide appropriate recommendations to our clients.
We are honored to work with our clients and their families, and we hold a great deal of appreciation toward the trust and commitment they place in our team.
Named one of the Forbes 2024 Best-In-State Wealth Management Teams in Illinois.
Source: Best-In-State Wealth Management Teams 2024 (forbes.com) (Awarded January 2024) Data provided by SHOOK ® Research, LLC – Data as of 3/31/23.
Services Include
- Wealth ManagementFootnote1
- Executive Financial ServicesFootnote2
- Stock Plan ServicesFootnote3
- Retirement PlanningFootnote4
- Planning for Education FundingFootnote5
- Estate Planning StrategiesFootnote6
- 401(k) Rollovers
- Life InsuranceFootnote7
- Long Term Care InsuranceFootnote8
- Cash Management and Lending ProductsFootnote9
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Working With You
At Morgan Stanley, we believe that identifying financial solutions begins with a solid understanding of each client's unique goals, objectives, and risk tolerance. We follow a disciplined process that allows us to work with you to craft a solution that helps to meet your individual financial needs.
Step 1: Introductory Meeting
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle, and your future goals.
Step 2: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing an appropriate risk tolerance that can help you achieve the financial outcome you envision for yourself.
Step 3: Financial Plan Presentation
Financial plan presentations map out essential factors that play into your financial success. Examining relevant financial information provides a holistic asset allocation analysis for your accounts, helping ensure a comprehensive financial plan.
Step 4: Action Steps
After the financial plan presentation, we will follow up with you regarding our analysis and recommendations, which may include adjustments to your financial plan, investment allocation, company benefits and insurance coverage.
Step 5: Implementation Meeting
The implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impact, asset allocation adjustments, and saving/benefit modifications.
Step 6: Monitoring & Performance Tracking
Finally, we will be constantly monitoring your assets and analyzing your performance tracking data seeking to ensure your financial expectations are being met and adjusted accordingly. We will keep a high degree of communication with you to make sure your concerns and requests are always addressed.
Individual Plans for Individuals Like You
Goals you set today will evolve over time. Our process is designed to evolve with them - and with the changing circumstances of your life. Holistic in its approach, our planning process will encompass all the elements of your financial and personal life, making sure they allign with your current and future goals.
Leveraging a sophisticated suite of analytical tools as well as decades of industry experience, our team can help you take charge of your financial future and achieve your goals.
Leveraging a sophisticated suite of analytical tools as well as decades of industry experience, our team can help you take charge of your financial future and achieve your goals.
Certified Financial Planner (CFP®)
CFP® professionals have met extensive training and experience requirements, and commit to CFP Board's ethical standards that require them to put their client's interests first.
Yazen and Kimberly hold this designation.
Yazen and Kimberly hold this designation.
Financial Planning Questionnaire
To begin your complimentary financial planning analysis, please click the link below.
Financial Planning Questionnaire
Morgan Stanley Online (MSO)
When you sign up for MSO, you can conveniently and securely manage your account online or on your mobile device.
Click here to learn more
Lifeview Intelligent Planning
Working with you, paired with our technology, is a great way to access advice and build a wealth plan. Read more about the advantages of working with our planning technology in reaching your financial goals.
Click here to learn moreTotal Wealth View (TVW)
With this service, you can view all your assets and liabilities together - whether held at Morgan Stanley or elsewhere - in one place for a comprehensive overview of your assets.
Click here to learn more
Digital Vault
The Digital Vault allows you to build a centralized library for all your documents using encryption.
Click here to learn moreClient Resources
The Frontier Group is dedicated to providing our clients and prospects with the latest insight and resources available to be better informed in the current marketplace.
GIC Monthly Research Report
The Global Investment Committee's Michael Wilson provides insightful commentary on the markets while covering key areas to help investors with the financial landscape.
Read this Month's ReportOn 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 Here
2024 Tax Tables
Please View the following attachment to find the 2024 federal tax tables.
2024 Tax Tables
Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary loyalty program that rewards Morgan Stanley's most valued clients. Members can enjoy special discounts and timely insights to support them at home and beyond.
Learn More about the Offers
Thoughts on the Market Podcast
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 HereLocation
233 S. Wacker Dr.
Ste 8600
Chicago, IL 60606
US
Direct:
(312) 827-6873(312) 827-6873
Meet The Frontier Group
Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager, Workplace Advisor - Equity Compensation
Phone:
(303) 545-1802(303) 545-1802
Phone:
(312) 419-3555(312) 419-3555
Phone:
(312) 419-3468(312) 419-3468
Kay Jordan
Business Development Associate
Phone:
(312) 443-6020(312) 443-6020
About Yaz Hadi
Yazen Hadi, or Yaz, is the Senior Vice President of The Frontier Group at Morgan Stanley. A certified financial planner (CFP ®), Yaz has over one decade of industry experience. The personal CFO for his clients, Yaz, helps them achieve goals & objectives in a cost-effective and tax-efficient manner.
Yaz's holistic planning process addresses the investment, asset protection, insurance, and wealth transfer needs of his clients while coordinating closely with their trusted advisors (CPAs, Estate Attorneys, etc.). Yaz's primary responsibilities include fostering relationships with corporate business owners and executives.
Before joining Morgan Stanley, Yaz worked at Merrill Lynch in Carlsbad, CA. He completed the 'Path of Excellence' training program early and even led his peer group.
Yaz graduated from the Kelley School of Business at Indiana University. He earned his Bachelor of Science degree in finance and accounting. Yaz's current hobbies include golfing, traveling, fishing, boxing, skiing, and scuba diving.
Yaz's holistic planning process addresses the investment, asset protection, insurance, and wealth transfer needs of his clients while coordinating closely with their trusted advisors (CPAs, Estate Attorneys, etc.). Yaz's primary responsibilities include fostering relationships with corporate business owners and executives.
Before joining Morgan Stanley, Yaz worked at Merrill Lynch in Carlsbad, CA. He completed the 'Path of Excellence' training program early and even led his peer group.
Yaz graduated from the Kelley School of Business at Indiana University. He earned his Bachelor of Science degree in finance and accounting. Yaz's current hobbies include golfing, traveling, fishing, boxing, skiing, and scuba diving.
Securities Agent: AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, AK, VT, WA, WI, WV, WY, VI; General Securities Representative; Investment Advisor Representative
NMLS#: 1326759
CA Insurance License #: 0F20072
NMLS#: 1326759
CA Insurance License #: 0F20072
About John Musolino
John is a Financial Advisor at Morgan Stanley, and has been with the company since 2012. He is Series 7, 63, and 65 licensed, along with having health and life insurance designations. John grew up in a small town in Indiana, and moved to Chicago to attend DePaul University, where he graduated with a degree in Finance. He currently lives in Boulder, Colorado. In his free time, he enjoys traveling the world, being outdoors, and spending time with his family.
Securities Agent: AZ, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY, CA, AK, AL, AR; General Securities Representative; Investment Advisor Representative
NMLS#: 1865861
NMLS#: 1865861
About Paul D. Gillig III
Paul has been with Morgan Stanley since 2014, and is series 7 and 66 licensed. He received his BS in Economics from DePaul University, and his MS in Economics and Policy Analysis at DePaul's Kellstadt Graduate School of Business. Before joining Morgan Stanley, they honorably discharged Paul from the United States Marine Corps after 5 years of service, and held the titles of Legal Clerk and Embassy Security Guard. Paul enjoys live music, running along the lakefront, and currently lives in Chicago, where he continues to be active in the community.
Securities Agent: AK, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 1623226
NMLS#: 1623226
About Kevin P. Durkin
Kevin joined Morgan Stanley in 2017 as a Financial Advisor. Since that point, he has become skilled in offering highly customized advice and investment solutions.
Being part of a technology-driven practice, Kevin was one of the early adopters of the Modern Wealth Management Tools that are standard among advisors today. Combining these tools with his extensive knowledge of Equity Compensation plans, comprehensive financial planning, and concentrated stock positions qualifies him to fit his client’s unique needs.
Kevin is a graduate of DePaul University in Chicago, Illinois, with a Bachelor of Science degree in Finance. He currently lives in Chicago with his fiancé, Dajana. When not helping his clients, Kevin likes to stay active by playing hockey, traveling and spending time with friends and family.
Being part of a technology-driven practice, Kevin was one of the early adopters of the Modern Wealth Management Tools that are standard among advisors today. Combining these tools with his extensive knowledge of Equity Compensation plans, comprehensive financial planning, and concentrated stock positions qualifies him to fit his client’s unique needs.
Kevin is a graduate of DePaul University in Chicago, Illinois, with a Bachelor of Science degree in Finance. He currently lives in Chicago with his fiancé, Dajana. When not helping his clients, Kevin likes to stay active by playing hockey, traveling and spending time with friends and family.
Securities Agent: WY, WV, VT, TN, PA, SD, SC, PR, OR, OH, UT, NH, NJ, NV, TX, NM, NE, NY, NC, MT, MS, MO, WI, VI, OK, MN, VA, WA, ME, MD, RI, MA, ND, LA, KY, KS, IN, MI, IL, ID, IA, HI, DE, DC, CA, CO, AZ, FL, AR, GA, AK, CT, AL; General Securities Representative; Investment Advisor Representative
NMLS#: 2139284
NMLS#: 2139284
About Kay Jordan
Kay went to Robert Morris University majoring in Business Administration and Management. Since then, she has been in finance and customer service for over 20 years. She joined Zurich Financial in 2002 and earned her Series 6 license which spurred her interest in learning more about the industry from all aspects. Over time she earned her Series 7, 63, and Series 65 licenses, and started working at Morgan Stanley in 2014. Kay values helping individuals understand why it’s important to work with a professional financial advisor who creates a custom plan of action tailored to each individual and their specific needs. Kay is an industry veteran who specializes in creating a world class client experience.
In her free time, Kay provides mentoring in financial literacy at several neighborhood outreach centers in the Austin and Chatham neighborhoods of Chicago.
Kay is married with 2 kids, Kylie (19) and Karson (13). They look forward to warm days so they can go to Swallow Cliff, in Palos Park, IL to walk up and down the 100-foot concrete stairs. They also cook together as often as possible.
In her free time, Kay provides mentoring in financial literacy at several neighborhood outreach centers in the Austin and Chatham neighborhoods of Chicago.
Kay is married with 2 kids, Kylie (19) and Karson (13). They look forward to warm days so they can go to Swallow Cliff, in Palos Park, IL to walk up and down the 100-foot concrete stairs. They also cook together as often as possible.
Contact Yaz Hadi
Contact John Musolino
Contact Paul D. Gillig III
Contact Kevin P. Durkin
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
Michael Gallagher
Managing Director, Wealth Management, Financial Advisor, Corporate Client Group Director
Mark T Curtis
Managing Director, Stock Plan Director, Financial Planning Specialist, Family Wealth Director, International Client Advisor, Investing with Impact Director
James R Fucigna
Managing Director, Wealth Management, Financial Advisor, Corporate Client Group Director, Executive Financial Services Director, Family Wealth Director, Financial Wellness Director
Managing Director, Private Wealth Management, Private Wealth Advisor, Stock Plan Director
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
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 Frontier Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan Stanley Smith Barney LLC (“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.
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 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
3Morgan Stanley Smith Barney LLC (“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.
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 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.
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 always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
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.
7Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Morgan 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
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), 3582895 (6/2024)
