

The Fulcrum New York Group at Morgan Stanley
Direct:
(212) 492-6385(212) 492-6385

Our Mission Statement
The Fulcrum Group works in partnership with our clients to build and sustain wealth over generations.
The Fulcrum Story
Bob Gibbons and Tom Poteat first met in 1996 when each were working in downtown Manhattan as Financial Advisors. Bob was at Dean Witter (now Morgan Stanley) in the World Trade Center while Tom was at Oppenheimer in the World Financial Center. Nearly two decades later, they found themselves seated next to each other at Morgan Stanley’s Rockefeller Center Office in 2015. After a year of working next to each other, they realized that forming a partnership with their diverse skill sets would create a more meaningful and effective way to serve their clients. In 2016, they created the Fulcrum Group.
The Fulcrum Group works in partnership with their clients to build and sustain wealth over generations. Together with the families they serve, they create, execute, and monitor highly creative and dynamic financial plans that are customized to meet the goals and unique circumstances of every family.
Clients work with the Fulcrum Group for the peace of mind they instill as a result of their ability to listen and collaborate. They serve every aspect of their clients’ financial decisions, which includes college planning, retirement planning, estate planning, financing, corporate compensation plans, and tax planning.
The Fulcrum Group accomplishes results through extensive client contact to develop a deep understanding of all aspects of their clients’ lives with a focus on the People, Ideas, Organizations, Activities and Things that are most important to them. This understanding is the key element to their clients’ success.
The Fulcrum Group works in partnership with their clients to build and sustain wealth over generations. Together with the families they serve, they create, execute, and monitor highly creative and dynamic financial plans that are customized to meet the goals and unique circumstances of every family.
Clients work with the Fulcrum Group for the peace of mind they instill as a result of their ability to listen and collaborate. They serve every aspect of their clients’ financial decisions, which includes college planning, retirement planning, estate planning, financing, corporate compensation plans, and tax planning.
The Fulcrum Group accomplishes results through extensive client contact to develop a deep understanding of all aspects of their clients’ lives with a focus on the People, Ideas, Organizations, Activities and Things that are most important to them. This understanding is the key element to their clients’ success.
Services Include
- Wealth ManagementFootnote1
- Financial PlanningFootnote2
- 401(k) Rollovers
- Retirement PlanningFootnote3
- Estate Planning StrategiesFootnote4
- Asset Management
- Sustainable InvestingFootnote5
- Trust ServicesFootnote6
- Professional Portfolio ManagementFootnote7
- LGBT+ Planning ServicesFootnote8
- 529 PlansFootnote9
- Cash ManagementFootnote10
- Long Term Care InsuranceFootnote11
- Life InsuranceFootnote12
- Executive Financial ServicesFootnote13
- Business Succession PlanningFootnote14
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Location
55 East 52nd Street
14th Floor
New York, NY 10055
US
Direct:
(212) 492-6385(212) 492-6385
One Fawcett Place
3rd Floor
Greenwich, CT 06830
US
Direct:
(212) 492-6385(212) 492-6385
Meet The Fulcrum New York Group
About Robert Gibbons
Bob began his career as a Financial Advisor at Morgan Stanley over 30 years ago after graduating from the University of Richmond in Virginia. Along with fellow Morgan Stanley Financial Advisor, Tom Poteat, Bob co-founded the Fulcrum New York Group at Morgan Stanley to harness the full resources of the firm. As a Senior Portfolio Management Director and Family Wealth Advisor, Bob works with High-Net-Worth Families to develop, implement and monitor tailored investment strategies designed to achieve a client’s goals.
Bob is married to his high school sweetheart and lives with his two children in his hometown in Connecticut. He has served as a coach in both little league baseball and youth soccer for his two children. He supports many local charities and is an active member of his local Exchange Club where he serves on the Grants and Donations Committee. Additionally, Bob is a strong supporter of the University of Richmond and serves on the Alumni Recruitment Committee, the College Fair Committee and previously served on the 25th Reunion Committee. Bob previously served as a Board Member and Ski Instructor for the Bart Adaptive Sport Center, an organization that teaches adults and children with disabilities to ski at both Bromley Mountain and Stratton Mountain in Vermont.
Bob is married to his high school sweetheart and lives with his two children in his hometown in Connecticut. He has served as a coach in both little league baseball and youth soccer for his two children. He supports many local charities and is an active member of his local Exchange Club where he serves on the Grants and Donations Committee. Additionally, Bob is a strong supporter of the University of Richmond and serves on the Alumni Recruitment Committee, the College Fair Committee and previously served on the 25th Reunion Committee. Bob previously served as a Board Member and Ski Instructor for the Bart Adaptive Sport Center, an organization that teaches adults and children with disabilities to ski at both Bromley Mountain and Stratton Mountain in Vermont.
Securities Agent: AZ, MI, PA, SC, MD, MA, GA, CO, DE, DC, CT, PR, OH, NM, ID, FL, WA, TN, TX, IN, VA, RI, NJ, MN, IL, CA, AL, AK, ME, LA, SD, OR, NY, NC; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1390876
NMLS#: 1390876
About Thomas G Poteat
Tom started his financial career in 1996 at Dean Witter Trust, and soon became a financial Advisor at Oppenheimer. At Oppenheimer, he was introduced to Managed Money or working with private asset managers. He was recruited to Laidlaw Global Securities to create and build an asset management division. In April of 1999, Smith Barney (now Morgan Stanley) recruited Tom to improve and build upon their financial planning process. This has become the backbone to Tom’s planning process.
His thorough understanding of corporate stock options along with retirement income planning enables him to build balanced portfolios by using a blend of many asset classes including stocks and bonds. Tom believes it is thrill to help corporate executives put together a tax efficient strategy to reduce exposure to concentrated stock positions.
He is involved with the following organizations: NestUSA.org, Central Park, and GLAAD. Tom formerly served on the advisory board of NestUSA.org which provides free software to improve English literacy for grades K-3.
Tom earned his Bachelor’s of Science from College of Charleston with a minor in French. In 1995, after college, he moved to NYC without a job, a place to live or ever visiting the city. Essentially, he loaded up the U-Haul and moved to NYC to see the world. While most people would view this as a big risk, Tom would argue that the real risk was not taking the risk. New York City has been his personal MBA program in food, culture and work experience.
Tom resides in Midtown Manhattan. He likes to spend his time reading science fiction, seeing plays, movies and enjoys Citi-biking around town. In the summer, he plays softball with the Big Apple Softball League.
“My relationships with clients over the years have been phenomenal… watching families grow up and helping them achieve their financial goals. I enjoy helping and teaching clients about finance. I have always encouraged my clients to ask questions no matter what, it is the best way to learn. Our balance based approach has helped clients navigate and weather these financial storms.” - Tom P.
His thorough understanding of corporate stock options along with retirement income planning enables him to build balanced portfolios by using a blend of many asset classes including stocks and bonds. Tom believes it is thrill to help corporate executives put together a tax efficient strategy to reduce exposure to concentrated stock positions.
He is involved with the following organizations: NestUSA.org, Central Park, and GLAAD. Tom formerly served on the advisory board of NestUSA.org which provides free software to improve English literacy for grades K-3.
Tom earned his Bachelor’s of Science from College of Charleston with a minor in French. In 1995, after college, he moved to NYC without a job, a place to live or ever visiting the city. Essentially, he loaded up the U-Haul and moved to NYC to see the world. While most people would view this as a big risk, Tom would argue that the real risk was not taking the risk. New York City has been his personal MBA program in food, culture and work experience.
Tom resides in Midtown Manhattan. He likes to spend his time reading science fiction, seeing plays, movies and enjoys Citi-biking around town. In the summer, he plays softball with the Big Apple Softball League.
“My relationships with clients over the years have been phenomenal… watching families grow up and helping them achieve their financial goals. I enjoy helping and teaching clients about finance. I have always encouraged my clients to ask questions no matter what, it is the best way to learn. Our balance based approach has helped clients navigate and weather these financial storms.” - Tom P.
Securities Agent: NM, AZ, PR, PA, ID, GA, VA, TX, OR, NC, TN, RI, MA, IL, SD, NY, AK, WA, CT, SC, MN, MI, FL, DE, DC, CO, OH, NH, ME, LA, CA, NJ, MD; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1290465
NMLS#: 1290465
About Irene Chuce
Irene Chuce assists Financial Advisors and Clients with Administrative and Operational Support and is responsible for The Fulcrum New York Group's day-to-day business operations.
Irene Chuce joined Morgan Stanley as a Client Service Associate in 2005. Fluent in Spanish and English, Irene assists financial advisors and clients with administrative, operational support, and digital engagement. In her free time, Irene enjoys spending time with her son, cooking, baking, reading, or watching films.
Irene Chuce joined Morgan Stanley as a Client Service Associate in 2005. Fluent in Spanish and English, Irene assists financial advisors and clients with administrative, operational support, and digital engagement. In her free time, Irene enjoys spending time with her son, cooking, baking, reading, or watching films.

Contact Robert Gibbons

Contact Thomas G Poteat
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Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
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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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 Fulcrum New York 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.
2Morgan 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.
3When 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.
4Morgan 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.
5The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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’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.
8Morgan 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.
9Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
10Morgan 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
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.
13Morgan 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.
14Morgan 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.
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.
2Morgan 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.
3When 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.
4Morgan 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.
5The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
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’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.
8Morgan 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.
9Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
10Morgan 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
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.
13Morgan 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.
14Morgan 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.
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)