Priscilla Parke
Senior Vice President, Wealth Management, Financial Advisor, Senior Portfolio Management Director, Financial Planning Specialist
Phone:
(631) 548-4006(631) 548-4006
The Gardiners Bay Group at Morgan Stanley
Priscilla ParkePaige Bentz, CFP®, CRPS®Laura Fennell, CIMA®, CRPS®, QPFCJorge Torres, CRPS®Charlotte Purcell
Direct:
(631) 548-4006(631) 548-4006
Toll-Free:
(800) 233-9195(800) 233-9195
Our Mission Statement
Our client centric, personalized approach, provides fiduciary services and advice, with a focus on building multigenerational wealth and relationships based on trust.
Our Story
At The Gardiners Bay Group our Advisors employ a contemporary approach to portfolio management, while maintaining a steadfast loyalty to our advisory responsibility and our client’s satisfaction. We cultivate lasting relationships with the objective of perpetuating multigenerational wealth guided by over 40 years of experience and confidence in the markets. Our family oriented team has decades of reputable service and dedication to the people that we serve. Through thoughtful planning we will guide you through multiple aspects of your life while emphasizing the importance of a personal approach.
Join us.
Join us.
Services Include
- Wealth ManagementFootnote1
- Asset Management
- Business PlanningFootnote2
- Estate Planning StrategiesFootnote3
- Financial PlanningFootnote4
- Institutional ServicesFootnote5
- Lending Products
- Planning for Education FundingFootnote6
- Professional Portfolio ManagementFootnote7
- Retirement PlanningFootnote8
- Trust Services*
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Suite of Services
As your wealth grows, so does its complexities and the resources needed to manage it effectively. We leverage our experience and relationships to deliver innovative strategies that are tailored to your needs. We look forward to speaking with you to understand your challenges, so we may map out a strategy to achieve your particular priorities and goals.
Wealth Management
Wealth management brings all the dimensions of your life together. We listen carefully to understand the connections across your personal life, your family, your career and your legacy goals to develop a comprehensive strategy that is uniquely yours.
Retirement Planning
One of our key areas of focus is helping you prepare for and thrive in retirement. From IRAs to RMDs, we manage the complexities of your comprehensive retirement plan assets, helping you easily transition to the next phase of your life with security and confidence.
Professional Portfolio Management
Managing an investment portfolio should be a consultative, disciplined process that balances your attitudes about investing with careful analysis of the financial markets. Working together, we create a customized strategy that applies long-held investment principles to help your assets appreciate appropriately or generate cash-flow or income as you require.
Alternative Investments
Morgan Stanley’s global network affords us the ability to offer suitable clients a wide array of alternative investments to consider – from private equities and exchange funds to hedge funds and real estate investments. Our recommendations are based on your own goals and your tolerance for investment risk.
Cash Management Services
Creating adequate cash flow and securing liquidity are the day-to-day aspects of implementing a financial strategy. We help you meet your personal cash management and borrowing needs, while thinking strategically about how specific approaches may affect current and long-term costs and taxes.
Estate Planning & Philanthropic Strategies
Delivering an estate to the next generation or favorite charity requires more attention than families often realize. We coordinate with your estate and tax professionals to align your legacy goals with the appropriate asset titling and beneficiary designation requirements, incorporating best practices to help enhance results.
A Disciplined Process Focused on You
We believe that charting a clear course to financial success begins with understanding your values, priorities and aspirations. Together, we define what is most important to you and your family and then develop the strategies to help get you there. Through each step, we provide objective advice and investment insights to construct a plan that is personalized to your needs and goals.
Step 1: Get to Know Each Other
• Listen carefully to understand what is important to you, your family and your legacy
• Identify circumstances unique to your personal situation
• Discuss important investment concepts and provide details on our investment philosophy
• Identify circumstances unique to your personal situation
• Discuss important investment concepts and provide details on our investment philosophy
Step 2: Assess Your Finances
• Gather important data, documents and financial statements
• Review the information collected to ensure data is accurate
• Analyze your current investments and cash management strategies
• Review the information collected to ensure data is accurate
• Analyze your current investments and cash management strategies
Step 3: Develop Your Plan
• Develop your personalized plan, utilizing proprietary tools and insights from Morgan Stanley
• Integrate any real estate and private investments into your overall planning
• Incorporate estate and insurance strategies
• Present our recommendations along with key action steps
• Coordinate strategies with your CPA and estate attorney
• Integrate any real estate and private investments into your overall planning
• Incorporate estate and insurance strategies
• Present our recommendations along with key action steps
• Coordinate strategies with your CPA and estate attorney
Step 4: Implement
• Prioritize activities and establish timelines
• Set up tools to provide convenient access to your accounts
• Prepare and complete necessary paperwork
• Provide ongoing updates to ensure your plan is implemented as expected
• Set up tools to provide convenient access to your accounts
• Prepare and complete necessary paperwork
• Provide ongoing updates to ensure your plan is implemented as expected
Step 5: Deliver Ongoing Service
• Schedule regular calls and meetings to discuss progress towards your goals
• Apply a strict due diligence process to evaluate investment performance
• Determine if any adjustments are needed, since personal goals and market conditions can change over time
• Apply a strict due diligence process to evaluate investment performance
• Determine if any adjustments are needed, since personal goals and market conditions can change over time
Modern Wealth Management Tools
Our industry is perpetually evolving. We strive to stay ahead of the curve. Below are some of the resources we utilize every day to offer you the best possible level of service.
Morgan Stanley Online
Morgan Stanley Online (MSO) has a variety of features beyond viewing your account balance and activity that you should take advantage of. They include:
- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
- Managing your everyday finances such as paying bills online, sending money or transferring funds
Learn More- eAuthorizations, an enhanced way to authorize transactions with one click on Morgan Stanley Online and the Morgan Stanley Mobile App
- Managing your everyday finances such as paying bills online, sending money or transferring funds
Total Wealth View
It’s hard to see the complete picture with only half the details. As a Morgan Stanley client, you can now conveniently view your accounts from other financial institutions on Morgan Stanley Online or by using the Morgan Stanley Mobile App, giving you a more complete financial picture.
Link and Add External Accounts
Goals Planning System
Our Goals Planning System (GPS) is an innovative platform that aligns your investments with your goals.
Now, your financial advisor can:
1. Discover and quantify your goals
2. Advise on an investment process to meet your needs
3. Implement a tax-efficient approach
4. Track progress toward your goals
Now, your financial advisor can:
1. Discover and quantify your goals
2. Advise on an investment process to meet your needs
3. Implement a tax-efficient approach
4. Track progress toward your goals
E-Delivery
Morgan Stanley Online has a variety of features that can enhance your digital experience and provide a deeper level of security. One of those tools, eDelivery, allows you to securely save, print, send, and receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App.
E-DeliveryLocation
611 E Main St
Riverhead, NY 11901
US
Direct:
(631) 548-4006(631) 548-4006
Toll-Free:
(800) 233-9195(800) 233-9195
Meet The Gardiners Bay Group
Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
Phone:
(631) 548-4030(631) 548-4030
First Vice President, Wealth Management, Investment Consultant, Certified Investment Management Analyst, Retirement Plan Consultant, Senior Portfolio Manager, Financial Planning Specialist, Investment Management Consultant
Phone:
(631) 548-4055(631) 548-4055
Phone:
(631) 548-4058(631) 548-4058
Charlotte Purcell
Client Services Associate
Phone:
(631) 548-4011(631) 548-4011
About Priscilla Ann Parke
Priscilla began her career with Shearson American Express in January of 1983. For over 40 years she has served her clients loyally, helping them to achieve their goals, managing their financial lives, and helping them to prepare and sustain their lifestyle throughout their retirement. With her experience, Priscilla has helped her clients navigate through some of the toughest markets in history. Her philosophy is derived directly from client experience. “In the world today, we will have to learn to live within the markets. It’s the planning, and financial guidance that will make all the difference.”
Securities Agent: ID, CO, DC, NJ, MT, KY, NV, IN, FL, WA, OH, NM, DE, VA, NC, IL, WV, LA, CT, TX, TN, PA, OK, MO, ME, MD, SC, NY, GA, AZ, VT, NH, CA, MA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1380656
NMLS#: 1380656
About Paige E. Betancourt-Bentz
Partner at The Gardiners Bay Group, Morgan Stanley and Senior Portfolio Manager, Paige and her partners oversee the investment management of over $600 million for individual and institutional clients, as of January 2021.
Well versed in the newest technologies, Paige works in concert with her other partners to marry traditional disciplines of investment strategies with a more contemporary approach. Paige focuses on portfolio development, strategy, and execution. She believes in a client focused approach and prioritizes her responsibility and transparency when making discretionary decisions for her clients. She holds her FINRA Series 7 and 66 Securities Registrations and Life, Accident, and Health Insurance Licensing. Paige is a member of the Portfolio Management Institute, and an Alumnae member of the Delta Gamma Fraternity where she has volunteered for many years as an advisor.
A native of East Quogue, New York, Paige currently resides in Louisville, Kentucky with her husband, Edward, an active duty Medical Army Officer, and her two children, Madeline and Evan. A graduate of the University of Connecticut (BA) with a double major in Communications and Sociology, she firmly believes in efficiency and clear-cut communication between her team and the clients that they serve.
In her spare time, Paige enjoys traveling, visiting family, and cooking.
Well versed in the newest technologies, Paige works in concert with her other partners to marry traditional disciplines of investment strategies with a more contemporary approach. Paige focuses on portfolio development, strategy, and execution. She believes in a client focused approach and prioritizes her responsibility and transparency when making discretionary decisions for her clients. She holds her FINRA Series 7 and 66 Securities Registrations and Life, Accident, and Health Insurance Licensing. Paige is a member of the Portfolio Management Institute, and an Alumnae member of the Delta Gamma Fraternity where she has volunteered for many years as an advisor.
A native of East Quogue, New York, Paige currently resides in Louisville, Kentucky with her husband, Edward, an active duty Medical Army Officer, and her two children, Madeline and Evan. A graduate of the University of Connecticut (BA) with a double major in Communications and Sociology, she firmly believes in efficiency and clear-cut communication between her team and the clients that they serve.
In her spare time, Paige enjoys traveling, visiting family, and cooking.
Securities Agent: IL, GA, DE, CT, DC, NC, MT, KY, NJ, FL, WV, WA, SC, ID, CA, PA, ME, CO, OK, IN, VT, VA, TX, NV, MD, LA, AZ, MO, TN, OH, NY, NM, NH, MA; General Securities Representative; Investment Advisor Representative
NMLS#: 1377882
NMLS#: 1377882
About Laura Fennell
Laura is a Senior Portfolio Manager with over 25 years of experience. Laura works with successful families concentrating on each client's specific needs focusing on asset allocation, risk & tax-efficient management seeking to achieve long term favorable results with reduced volatility. Developing long-term, intergenerational relationships, communication and exceptional client service are key commitments to every client.
Laura holds the Certified Investment Management Analysts (CIMA) designation, from the prestigious Wharton School of Business at the University of Pennsylvania, and is a member of the Investment Management Consultants Association (IMCA).
Laura attended Colorado State University before earning a full softball scholarship to St. John's University graduating with a B.S. in Finance. Laura started her financial career as a compliance officer at Smith Barney identifying & reporting risks to the firm, she also assisted in designing & implementing controls to mitigate those risks.
Laura’s credentials also include certification as a Retirement Plan Consultant, Investment Management Consultant, Financial Planning Specialist.
Laura coached youth sports for over 15 years, and is the past Vice President of East End Little League. She has been active in the PTO, local fundraising activities and served as the treasurer of the Westhampton Beach High School Dugout Club. She resides on East Quogue, Long Island with her three children.
Laura holds the Certified Investment Management Analysts (CIMA) designation, from the prestigious Wharton School of Business at the University of Pennsylvania, and is a member of the Investment Management Consultants Association (IMCA).
Laura attended Colorado State University before earning a full softball scholarship to St. John's University graduating with a B.S. in Finance. Laura started her financial career as a compliance officer at Smith Barney identifying & reporting risks to the firm, she also assisted in designing & implementing controls to mitigate those risks.
Laura’s credentials also include certification as a Retirement Plan Consultant, Investment Management Consultant, Financial Planning Specialist.
Laura coached youth sports for over 15 years, and is the past Vice President of East End Little League. She has been active in the PTO, local fundraising activities and served as the treasurer of the Westhampton Beach High School Dugout Club. She resides on East Quogue, Long Island with her three children.
Securities Agent: CO, PA, OH, FL, MO, MA, CA, WA, VT, TX, SC, NJ, NM, AZ, NC, MD, ID, KY, NY, IN, DC, WV, NV, MT, GA, CT, VA, TN, LA, IL, DE, OK, NH, ME; General Securities Representative; Investment Advisor Representative
NMLS#: 1388023
NMLS#: 1388023
About Jorge Torres
Jorge joined The Gardiners Bay Group at Morgan Stanley in July 2021; he and his partners oversee the investment management for individual and institutional clients.
He holds his FINRA Series 7, Series 66 and New York State Life, Accident and Health Insurance licenses. Jorge is an analytical-minded financial advisor. His primary responsibility is financial planning, portfolio modeling and analysis in addition to relationship management.
Jorge graduated from The University of Texas at El Paso, with a Bachelor of Science in Industrial Engineering. He then went on to earn Master of Business Administration from the Universidad Politécnica de Cartagena in Spain.
Prior to moving to New York City Jorge worked as a Projects Engineer at Cesar Scott Inc. In 2015, he was hired by Giorgio Armani where he coordinated all aspects of operations including financial processes, logistics, and supply chain.
Born and raised in Mexico, Jorge enjoys traveling, exercising, hiking, karaoke, spending time with family and friends and spending summers at the beach.
He holds his FINRA Series 7, Series 66 and New York State Life, Accident and Health Insurance licenses. Jorge is an analytical-minded financial advisor. His primary responsibility is financial planning, portfolio modeling and analysis in addition to relationship management.
Jorge graduated from The University of Texas at El Paso, with a Bachelor of Science in Industrial Engineering. He then went on to earn Master of Business Administration from the Universidad Politécnica de Cartagena in Spain.
Prior to moving to New York City Jorge worked as a Projects Engineer at Cesar Scott Inc. In 2015, he was hired by Giorgio Armani where he coordinated all aspects of operations including financial processes, logistics, and supply chain.
Born and raised in Mexico, Jorge enjoys traveling, exercising, hiking, karaoke, spending time with family and friends and spending summers at the beach.
Securities Agent: FL, CO, MO, NH, MD, VT, NM, IL, VA, TN, NC, MT, LA, CT, MA, DE, WA, OH, NV, DC, WV, NJ, ME, KY, IN, ID, GA, CA, AZ, SC, PA, NY, TX, OK; General Securities Representative; Investment Advisor Representative
NMLS#: 2260911
NMLS#: 2260911
About Charlotte Purcell
Charlotte is a Client Service Associate with the Gardiners By Group at Morgan Stanley. With over 20 years of industry experience, she plays a pivotal role in maintaining effective client relationships and our daily operations including administrative, and account maintenance services.
Drawing on her extensive experience, Charlotte tends to clients’ needs with meticulous attention to detail and attentive care. Whether helping with 401(k) rollovers, online support, transfer of accounts or new account opening, she embraces challenges and resolves inquiries in a timely manner that our clients are well-informed from beginning to end.
Outside of work, Charlotte enjoys traveling, has a passion for fitness and enjoys spending quality time with family and friends.
Drawing on her extensive experience, Charlotte tends to clients’ needs with meticulous attention to detail and attentive care. Whether helping with 401(k) rollovers, online support, transfer of accounts or new account opening, she embraces challenges and resolves inquiries in a timely manner that our clients are well-informed from beginning to end.
Outside of work, Charlotte enjoys traveling, has a passion for fitness and enjoys spending quality time with family and friends.
Contact Priscilla Parke
Contact Paige Bentz
Contact Laura Fennell
Contact Jorge Torres
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
Article Image
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact The Gardiners Bay 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.
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 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.
4Morgan 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.
5Morgan 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.
6When 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.
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.
8When 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.
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.
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 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.
4Morgan 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.
5Morgan 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.
6When 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.
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.
8When 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.
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)
