Phone:
(973) 425-8537(973) 425-8537
The Gannon Gatti Group at Morgan Stanley
Direct:
(973) 425-8530(973) 425-8530
Toll-Free:
(800) 755-4253(800) 755-4253
Our Mission Statement
We strive to create a brighter financial future for our clients, one thoughtful strategy at a time, underpinned by trust, experience, and dedication.
Our Story and Services
The Gannon Gatti Group has built a successful business by investing the time necessary to get to know our clients and developing tailored strategies to meet their specific needs. In doing so, we help the individuals, couples, and families we serve develop and execute financial strategies and make smart investment decisions.
Our primary goal is to earn long-term, multi-generational relationships by guiding our clients successfully through life stages impacting their personal economy and consistently providing peace of mind about their financial needs and goals throughout their lives.
We believe achieving this goal requires teamwork. We combine unique and complementary perspectives, experience, and expertise from each member of our team. We develop and execute creative and successful wealth management solutions that integrate unbiased investment consulting, comprehensive advanced planning, best-in-class portfolio management, and excellent client service.
Several decades of serving a diverse group of clients has equipped us to analyze financial decisions from different perspectives. We take the time to listen and learn from our clients. We conduct an in-depth analysis of each client’s particular situation, collaborate with their trusted advisors, constantly monitor progress, and work diligently to ensure our recommendations meet our client’s goals.
Our primary goal is to earn long-term, multi-generational relationships by guiding our clients successfully through life stages impacting their personal economy and consistently providing peace of mind about their financial needs and goals throughout their lives.
We believe achieving this goal requires teamwork. We combine unique and complementary perspectives, experience, and expertise from each member of our team. We develop and execute creative and successful wealth management solutions that integrate unbiased investment consulting, comprehensive advanced planning, best-in-class portfolio management, and excellent client service.
Several decades of serving a diverse group of clients has equipped us to analyze financial decisions from different perspectives. We take the time to listen and learn from our clients. We conduct an in-depth analysis of each client’s particular situation, collaborate with their trusted advisors, constantly monitor progress, and work diligently to ensure our recommendations meet our client’s goals.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
WORKING WITH YOU
Our wealth management approach focuses on you, your family and your career where you are today and where you want to go. Working together with dedication and passion, we develop the strategies to help get you there, navigating life’s challenges and helping you make more informed decisions about your wealth.
Step 1: Understanding You
Our process begins with a detailed conversation that identifies what is truly important to you. During this meeting we'll ask a series of questions to provide an in- depth understanding of personal, professional and financial situation, while educating us about your long- term investment goals, time horizon, and tolerance for risk.
Step 2: Customizable Plan
We'll analyze your current situation and begin to develop comprehensive strategies to help achieve your goals. This analysis will address income and retirement planning, as well as investment and risk management
Step 3: Plan Implementation
Once you review and approve your plan, we will begin to execute these strategies appropriately. As we work together, we will help ensure that you are on track with your portfolio to achieve your financial goals.
Step 4: Ongoing Assessment
We will have ongoing conversations about the management of your investment plan to help ensure your portfolio is properly balanced and the investment vehicles utilized are performing according to preset benchmarks
The Gannon Gatti Group Life Navigator
One of our goals at the Gannon Gatti Group is to help our clients navigate different life events. Here you will find a wide range of content and materials covering a variety of life events and milestones that you might face.
Birth
Welcoming a child into the family is a joyous occasion for everyone—for parents, grandparents, aunts, uncles, siblings, cousins and other extended family members. As a trusted advisor to our clients, we play a critical role in helping you plan and prepare for the financial components that a new child introduces into your lives—everything from planning for the costs associated with birth, adoption or surrogacy; anticipating unexpected medical expenses; understanding gifting requirements; preparing for child care and planning for educational expenses.
Click here for more information on preparing for educational expenses
Education
Education is a major investment and expense for most of our clients—one that often requires years of careful, advanced planning. As educational costs continue to rise—from primary education through undergraduate, graduate and professional schools—we can help you approach the range of educational expenses, such as tuition, extension programs and advanced professional training, with appropriate funding strategies for your particular situations.
Click here to make financial literacy a family affair
Marriage
There are few events more exciting than when our client decides to align their life with the person they love. Of course, there are conversations you should have with your partner before tying the knot. One of the most important is about money—how you will make it, save it, spend it and invest it. In addition, helping fund an adult child’s wedding is a goal for many parents (and grandparents). As your Financial Advisor, we can play an important role in helping you plan for these milestones and guiding your conversations.
Click here for questions to ask your partner before you commit
Post-Career
Today's 65-year-olds have a high likelihood of living until their mid-80s, and it's not uncommon anymore to reach substantially beyond that. That means you need to plan for a retirement that will span two decades and potentially much more. Longer retirements are great outcomes, but also place a great deal of stress on a household’s finances. As your Financial Advisor, we make sure to put a plan in place so that you are able to take on any curveball retirement may throw at you.
Click here to learn more
Caregiving
Health care costs are rising—especially for retirees, and many will need long-term care. It is essential be proactive when dealing with heath care cost. Learn the moves you can make to help prepare yourself.
Click here to learn more
Death
Dealing with death is never easy. Aside from coping with the loss of a loved one, legal matters also require immediate attention, including administration of the estate. Though it may be hard for individuals to talk about estate planning because of the heartache, addressing it promptly is crucial to saving both time and money, and to minimizing family conflict or confusion. Passing away without a will, known as intestacy, means the state determines how the deceased’s assets will be distributed, and this may not be consistent with the family’s wishes. Proceedings can also be painful and costly for the family.
We believe that is better to plan ahead to ensure that your wishes and your will are followed. A proactive approach to estate planning as a family is better than a reactive one.
Click here to learn moreWe believe that is better to plan ahead to ensure that your wishes and your will are followed. A proactive approach to estate planning as a family is better than a reactive one.
Upcoming Firm Events
We hope you will join us for this upcoming event.
AI Revolution: The Breakthrough, the Buzz and a Blueprint for the Future
We invite you to watch the replay from our thought-provoking conversation on artificial intelligence (AI) with James Dyett, OpenAI's Head of Enterprise & Strategic Sales, Keith Weiss, Morgan Stanley's Head of U.S. Software Research Jeff McMillan, Morgan Stanley's Head of Firmwide Artificial Intelligence, recorded on Monday, March 24.
CRC4303146 03/2025
Online
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Our team is committed to providing you with important information about managing your wealth in today's fast pace environment. Learn more about about our online platforms and take a look at our latest resources that focuses on insights in the market.
Morgan Stanley Online
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Digital Vault lets you easily and securely manage and share important documents such as account statements, authorizations, tax filings and other relevant documents with your Financial Advisor.
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Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
Portfolio Risk Platform
Security Center
Learn about our latest security measures, how we are safeguarding your assets and personal information and find actionable insights and resources on important cybersecurity topics to enhance your own online security.
Visit our Security CenterLocation
340 Mount Kemble Avenue
Morristown, NJ 07960
US
Direct:
(973) 425-8530(973) 425-8530
Toll-Free:
(800) 755-4253(800) 755-4253
Fax:
(973) 425-2366(973) 425-2366
Meet The Gannon Gatti Group
Phone:
(973) 425-8538(973) 425-8538
Nisha Ribardo, CFP®
Portfolio Associate
Phone:
(973) 539-6700(973) 539-6700
About Michael Gannon
Mike, a 1979 University of Scranton graduate, began his financial services career in 1981. Since then, he has steadily built his knowledge and experience in wealth management and investment consultation. As a Certified Financial Planner®, he works with clients in creating customized financial plans. Mike explains to them the planning process, gathers necessary information, and produces analysis that addresses critical life goals such retirement and wealth transfer.
Working closely with you, Mike will develop an investment strategy that reflects your lifestyle expectations, cash flow needs, risk tolerance, and aspirations for your family. From there, he and his team will help you build a portfolio using the resources of Morgan Stanley, one of the world’s largest financial services firms. Over time, they will navigate you through the distractions of turbulent markets and focus your attention on achieving your goals.
In Mike’s spare time, he enjoys golfing and spending time with his wife and family boating at the Jersey shore.
Working closely with you, Mike will develop an investment strategy that reflects your lifestyle expectations, cash flow needs, risk tolerance, and aspirations for your family. From there, he and his team will help you build a portfolio using the resources of Morgan Stanley, one of the world’s largest financial services firms. Over time, they will navigate you through the distractions of turbulent markets and focus your attention on achieving your goals.
In Mike’s spare time, he enjoys golfing and spending time with his wife and family boating at the Jersey shore.
Securities Agent: NM, KY, NJ, GA, DE, NV, MS, MD, WA, OK, NH, LA, IL, CO, CA, SC, MA, CT, VT, VA, RI, OR, NE, FL, AZ, WY, TX, TN, NC, DC, AK, OH, NY, MI, IN, AL, WV, PA, MO, ME; General Securities Representative; Investment Advisor Representative
NMLS#: 1270207
NMLS#: 1270207
About Joseph Gatti
Joe grew up in Plainfield, NJ and is a 1972 alumnus of Wardlaw Country Day School in Edison. After graduating from Columbia College majoring in Economics in 1976, he was hired at Prudential in Newark as an entry level computer systems tester. Two years later, he applied to Merrill Lynch and was hired on January 22, 1979 into their Account Executive Training Program. Joe, Mike Gannon, and Nisha Ribardo began working together in November 1997 at Merrill Lynch and transitioned to Morgan Stanley in February 2009.
Joe focuses on building theme based portfolios for his clients according to their financial plan results. Theme based investing will incorporate sectors the Morgan Stanley research teams and our trusted third-party research providers believe will do well in certain economic times.
Joe and his wife live in Somerville, NJ and have three grown children. Both enjoy travelling, golfing, attending New York Giant’s games, spending summer weekends at their Chadwick Beach home, and babysitting their grandchildren. Through their parish, they volunteer with the Franciscan Charities at St. Ann’s Soup Kitchen in Newark and The Center for Great Expectations in Somerset, NJ.
Joe focuses on building theme based portfolios for his clients according to their financial plan results. Theme based investing will incorporate sectors the Morgan Stanley research teams and our trusted third-party research providers believe will do well in certain economic times.
Joe and his wife live in Somerville, NJ and have three grown children. Both enjoy travelling, golfing, attending New York Giant’s games, spending summer weekends at their Chadwick Beach home, and babysitting their grandchildren. Through their parish, they volunteer with the Franciscan Charities at St. Ann’s Soup Kitchen in Newark and The Center for Great Expectations in Somerset, NJ.
Securities Agent: NM, FL, VT, SC, OH, MA, AZ, OK, MO, ME, NH, IL, DC, WV, CT, NY, NE, MI, GA, CA, AL, NV, NJ, NC, LA, CO, VA, DE, AK, WA, RI, KY, PA, MS, MD, IN, WY, TX, TN, OR; General Securities Representative; Investment Advisor Representative
NMLS#: 1279307
NMLS#: 1279307
About Nisha Ribardo
Nisha provides thoughtful administrative and operational support to the clients of The Gannon Gatti Group. From onboarding new clients to maintaining existing client relationships, her proactive style and attention to detail ensures client's needs, including cash management solutions, digital and online access, and trade execution are carefully and efficiently addressed.
Nisha, an Illinois native, received a B.S. in Management from the A. B. Freeman School of Business at Tulane University. After two years teaching in Elizabeth, NJ through Teach for America, she began her financial services career in 1996 at Merrill Lynch. She has her Series 7 and 66 licenses and earned her CFP® designation in 2004.
Outside of work, Nisha's life centers around her husband, Bryan, and their sons, Paul and Edward. She enjoys reading, travelling, volunteering locally, and attending New Jersey Devils games.
*This role cannot solicit or provide investment advice
Nisha, an Illinois native, received a B.S. in Management from the A. B. Freeman School of Business at Tulane University. After two years teaching in Elizabeth, NJ through Teach for America, she began her financial services career in 1996 at Merrill Lynch. She has her Series 7 and 66 licenses and earned her CFP® designation in 2004.
Outside of work, Nisha's life centers around her husband, Bryan, and their sons, Paul and Edward. She enjoys reading, travelling, volunteering locally, and attending New Jersey Devils games.
*This role cannot solicit or provide investment advice
Contact Michael Gannon
Contact Joseph Gatti
Wealth Management
From Our Team
Social Security Benefits: It Can Pay to Wait
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
Ready to start a conversation? Contact The Gannon Gatti 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 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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Investors 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.
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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
9Morgan 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.
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 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
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Investors 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.
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.
5When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
6Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
7Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
8Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
9Morgan 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.
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)
