Jon Garofalo
Managing Director, Financial Advisor, Senior Portfolio Management Director
Phone:
(203) 221-6022(203) 221-6022
The Garofalo Group at Morgan Stanley
Our Mission Statement
We partner with you to craft a personalized financial strategy, guiding you with clarity and integrity to achieve your unique goals while delivering responsive thoughtful advice at every step
Our Story and Services
At The Garofalo Group, we provide holistic wealth management that is centered around your unique goals and vision for the future. With over 30 years of combined experience, our team is dedicated to offering comprehensive financial planning and expert advice, so you always have a trusted partner to guide you through every stage of life. We treat every client with the same level of care and attention we would our own families, helping you navigate challenges, identify opportunities, and craft tailored strategies for long-term success.
Leveraging Morgan Stanley's world-class resources, we ensure that your finances are managed proactively and with foresight. Our clients can rest assured and meet their needs with the highest standard of professionalism and discretion. Whether you're seeking advice on retirement planning, alternative investments, estate planning, or executive financial services, we offer a comprehensive suite of solutions that reflects the trust and sophistication of those who have earned their financial success.
The Garofalo Group is not only committed to protecting your wealth but also enhancing it, ensuring that every decision we make is aligned with your aspirations. We welcome the opportunity to get to know you on a deeper level, so we can collaborate with you to make your financial future secure, prosperous, and deeply personalized.
Leveraging Morgan Stanley's world-class resources, we ensure that your finances are managed proactively and with foresight. Our clients can rest assured and meet their needs with the highest standard of professionalism and discretion. Whether you're seeking advice on retirement planning, alternative investments, estate planning, or executive financial services, we offer a comprehensive suite of solutions that reflects the trust and sophistication of those who have earned their financial success.
The Garofalo Group is not only committed to protecting your wealth but also enhancing it, ensuring that every decision we make is aligned with your aspirations. We welcome the opportunity to get to know you on a deeper level, so we can collaborate with you to make your financial future secure, prosperous, and deeply personalized.
Services Include
- Professional Portfolio ManagementFootnote1
- Financial PlanningFootnote2
- Alternative InvestmentsFootnote3
- Executive Financial ServicesFootnote4
- Stock Plan ServicesFootnote5
- Retirement PlanningFootnote6
- Estate Planning StrategiesFootnote7
- Life InsuranceFootnote8
- Long-term Care InsuranceFootnote9
- Sustainable InvestingFootnote10
- Cash Management and Lending ProductsFootnote11
- Planning for Education FundingFootnote12
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
YOUR EXPERIENCE
Genuine Interest
Our clients choose us because we have a genuine interest in their success. For us, it's about building long-term relationships and seeing ongoing growth. Helping define and meet your goals in a way that is appropriate for how you invest and what you want to achieve is fundamental to our approach.
STEP 1: Detailed Discovery and Goal Clarification
From the beginning, we spend the majority of our initial time together getting to know you and "your world", including the most important people, things, and activities in your life.
Wealth Planning Family Values
Working with varied individuals and families gives us the experience, perspective and skill to help our clients build a financial future. As professionals, we can translate the goals of our clients into a custom and holistic designed wealth plan — tailored with your financial future in mind.
STEP 2: Analyze and Evaluate Your Current Financial Position
Here we gain a deep understanding of your current investment strategy and take a closer look at your income, spending habits, liabilities and tax matters, as well as any wealth transfer goals.
Collaboration
Our clients will have access to the finest financial thinking, innovative products and strategic executions, positioned to help meet their needs and achieve their goals. Working collaboratively as a team, our clients benefit from personalized advice, objective guidance and our resolute dedication to their success.
STEP 3: Strategy Recommendations
Together we create prospective strategies that are tailored to fit your specific risk tolerance, time horizon and goals to identify and make informed recommendations to design a flexible investment management plan that is uniquely yours.
Delivering Quality Service
While bringing complementary skills and perspectives, our team is committed to meeting our clients' needs promptly and professionally. Our goal is to earn each client's confidence with the quality of our solutions and the excellence with which they are delivered.
STEP 4: Your Proposed Goal Map
Finally, we share a roadmap for implementing the appropriate strategies to manage your assets. We take the time to ensure you understand all of your options and how each impacts your overall plan. It is our job to keep you informed as we work together to monitor your situation.
OUR SUITE OF DIGITAL TOOLS & RESEARCH
Our comprehensive suite of digital tools are designed to help enhance every aspect of your financial life. Here are a few of the technologies we have to offer our clients.
At Morgan Stanley, we provide clients with resources meant to transform complex financial analysis and research into concise and easily digestible content. The links below offer insight into the modern market and economic landscape.
Morgan Stanley Online
Morgan Stanley Online allows you to seamlessly and securely manage your investments and everyday finances in one place.
Digital Vault
Easily and conveniently manage and share life's most important documents, such as wills, deeds and estate plans, as well as financial statements and tax filings. Digital Vault allows for easy document sharing, convenient access, and encrypted files.
eDelivery
eDelivery provides you with the ability to view statements and other Firm documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Alternative Investments
Our leading alternatives platform offers 200+ third-party and proprietary funds, including first look and exclusive opportunities, that may help qualified investors enhance returns, reduce volatility, manage taxes and generate income—while maintaining a goals-based approach for asset allocation.
Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that's adaptable to the different stages of your life using our award winning tools- Goals Planning System (GPS) and LifeView.
Total Tax 365
Taxes can be a substantial drag on investment returns. Morgan Stanley Total Tax 365 offers access to a broad range of tax-efficient strategies to help you integrate tax planning into your investment process all year long, maximize portfolio after-tax return potential and help keep more of what you earn.
Total Wealth View
With this service, you can view all your assets and liabilities together – whether held at Morgan Stanley or elsewhere – in one place for a comprehensive overview of your assets.
Morgan Stanley Mobile App
The Morgan Stanley Mobile App gives you the same capabilities as Morgan Stanley Online – all from the convenience of your own phone. It also offers features to simplify your everyday finances. These include mobile check deposit and Send Money with Zelle, a convenient way to send and receive money
A STRUCTURED PLANNING PROCESS
At Morgan Stanley, we are committed to helping executives understand the new challenges they face and how to meet those challenges successfully.
Step 1: Introductory Meeting
Our relationship begins with an initial discussion aimed towards getting to know you, your lifestyle and your future goals.
Step 2: Discovery Meeting
During the discovery meeting, we will work together to establish your financial goals by reviewing your current financial situation and developing a suitable risk tolerance that will ultimately help you achieve the financial outcome you envision for yourself.
Step 3: Financial Plan Presentation
Financial plan presentations map out essential factors that play into your financial success such as your employee and employer contributions, liquidity events, and insurance coverage. Examining all relevant financial information provides a holistic asset allocation analysis for all of your accounts ensuring a comprehensive financial plan.
Disclosure:
Asset Allocation does not assure a profit or protect ageist loss in declining financial markets.
Step 4: Action Items/ Next Steps
After the financial plan presentation, we will follow up with you regarding our analysis and recommendations which may include a adjustments to your financial plan investment allocation, company benefits and insurance coverage.
Step 5: Implementing Meeting
The implementation meeting focuses on creating prospective strategies custom designed for your specific needs. Recommended changes could include logistics, tax impacts, asset allocations adjustments, and saving and benefit modifications.
Step 6: Monitoring & Performance Tracking
Finally, we will constantly monitor your assets and analyze your performance tracking date to help ensure your financial expectations are being met and adjusted accordingly, We will keep a high degree of communication with you to make sure your concerns and requests are always addressed.
Disclosure:
Morgan Stanley Smith Barney LLC 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 visit us at http://morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Designations & Awards
Forbes “Best in State” Wealth Advisor 2022
Source: Forbes.com (Awarded 2022). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes “Best in State” Wealth Advisor 2021
Source: Forbes.com (Awarded 2021). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes “Best in State” Wealth Advisor 2020
Source: Forbes.com (Awarded 2020). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes “Best in State” Wealth Advisor 2019
Source: Forbes.com (Awarded 2019). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Forbes “Best in State” Wealth Advisor 2018
Source: Forbes.com (Awarded 2018). Data compiled by SHOOK Research LLC based 12-month time period concluding in June of year prior to the issuance of the award.
Location
500 Post Road East
3rd Fl
Westport, CT 06880
US
Direct:
(203) 221-6022(203) 221-6022
Meet The Garofalo Group
Phone:
(203) 221-6082(203) 221-6082
Phone:
(914) 225-2824(914) 225-2824
Phone:
(203) 221-6065(203) 221-6065
Phone:
(203) 221-6066(203) 221-6066
Michael Tiefenthaler
Financial Advisor, Financial Planning Specialist
Phone:
(203) 221-6083(203) 221-6083
About Jon Garofalo
Securities Agent: CT, WI, TN, SC, WY, NV, ND, NC, MA, GA, ME, CA, NJ, IL, AZ, OR, VT, UT, RI, PA, OH, NE, LA, DE, CO, AL, WA, NY, MI, MD, TX, IA, FL, DC, VA, NM, NH, MN; General Securities Representative; Investment Advisor Representative
NMLS#: 1321586
NMLS#: 1321586
About Timothy Romano Jr.
Securities Agent: MN, VA, SC, NM, WY, WA, VT, TN, PA, OR, OH, NE, ND, CT, AL, UT, TX, MT, IA, AZ, WI, DC, RI, NY, DE, NC, MI, ME, MD, MA, LA, IL, FL, CO, NJ, GA, CA, NV, NH; General Securities Representative; Investment Advisor Representative
NMLS#: 1279069
NMLS#: 1279069
About Christopher Novielli
Securities Agent: VT, OH, ND, MN, CT, AR, PA, OR, NY, IL, TN, NM, NC, CO, CA, ME, DC, AZ, SD, NJ, MA, WV, OK, GA, WI, SC, MI, DE, WA, NV, WY, UT, RI, NH, IA, VA, TX, MD, FL; General Securities Representative; Investment Advisor Representative
NMLS#: 1839640
NMLS#: 1839640
About Kurt Tiefenthaler
Kurt Tiefenthaler is a Vice President, Senior Portfolio Manager, and Financial Advisor at Morgan Stanley. He has been with the firm since 2012 and has over 30 years of industry experience.
Prior to joining Morgan Stanley, Kurt was a Vice President, Portfolio Manager at UBS where he was employed for nearly 25 years. Kurt is a Certified Financial PlannerTM, holds a MBA in Finance from New York University, and received BS in Finance from The University of Connecticut.
Building long-term relationships is a cornerstone of Kurt’s practice. He enjoys getting to know his clients and has a particular interest in helping them plan for life events such as education needs, retirement planning and wealth transition with personal, customized investment strategies. Many of Kurt’s clients have been with him from the start and have made him feel a part of their family.
Kurt has been a resident of Westport, Connecticut since 1983. He lives with his wife, Eileen, his son Michael and daughter Claire. Kurt enjoys living in Westport and has taken advantage of all the amenities such as the beaches, boating, sailing, golf courses, outdoor concerts and other year round town activities. Kurt enjoyed coaching Little League for eight years. He also crewed on racing sailboats on regional and national levels but after 13 years has retired from active racing. His interests include baseball (Yankees), football, golf, woodworking, cooking and building museum quality wooden ship models. Kurt also successfully retired from skydiving.
Prior to joining Morgan Stanley, Kurt was a Vice President, Portfolio Manager at UBS where he was employed for nearly 25 years. Kurt is a Certified Financial PlannerTM, holds a MBA in Finance from New York University, and received BS in Finance from The University of Connecticut.
Building long-term relationships is a cornerstone of Kurt’s practice. He enjoys getting to know his clients and has a particular interest in helping them plan for life events such as education needs, retirement planning and wealth transition with personal, customized investment strategies. Many of Kurt’s clients have been with him from the start and have made him feel a part of their family.
Kurt has been a resident of Westport, Connecticut since 1983. He lives with his wife, Eileen, his son Michael and daughter Claire. Kurt enjoys living in Westport and has taken advantage of all the amenities such as the beaches, boating, sailing, golf courses, outdoor concerts and other year round town activities. Kurt enjoyed coaching Little League for eight years. He also crewed on racing sailboats on regional and national levels but after 13 years has retired from active racing. His interests include baseball (Yankees), football, golf, woodworking, cooking and building museum quality wooden ship models. Kurt also successfully retired from skydiving.
Securities Agent: MA, MI, VA, TX, ND, ME, CO, OR, MD, GA, FL, UT, PA, CA, VT, NE, IL, DC, AZ, WI, WA, SD, OH, NM, IA, DE, NC, CT, RI, NY, WY, TN, NV, NJ, SC, NH; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1393608
NMLS#: 1393608
About Edward Kwiatkowski
Edward Kwiatkowski is a Vice President, Senior Portfolio Manager and Financial Advisor at Morgan Stanley in Westport, Connecticut. He has been with the firm since 2012 and has over 20 years of experience in Wealth Management. In addition to investment management, Ed provides advice on retirement and estate planning strategies, life and health insurance, and annuities.
Ed has a Bachelor of Science degree in Finance from Pennsylvania State University, MBA in Finance from Pace University, and is a Certified Financial Planner ™ practitioner. Prior to Morgan Stanley, Ed worked at UBS as a Vice President, Financial Advisor. Before going into Wealth Management, Ed worked at Ultramar Inc. as Treasurer and Director of Financial Planning where he had a key role in the IPO of the company as well as in corporate finance, banking relationships, and capital project evaluation and approval. Ed’s extensive and varied financial experience makes him well positioned to provide wealth management advice to his Morgan Stanley clients.
At Penn State, Ed was a member of Sigma Chi Fraternity and served as Rush Chairman and Treasurer. Ed has lived at his home in New Canaan, CT since 1993 where he and his wife Kathy raised two children, Brendan and Stephanie. He is a member of The Shore and Country Club and has served on the Board of Governors as President, Treasurer, and Marina Representative. Ed enjoys boating, tennis and skiing.
Ed has a Bachelor of Science degree in Finance from Pennsylvania State University, MBA in Finance from Pace University, and is a Certified Financial Planner ™ practitioner. Prior to Morgan Stanley, Ed worked at UBS as a Vice President, Financial Advisor. Before going into Wealth Management, Ed worked at Ultramar Inc. as Treasurer and Director of Financial Planning where he had a key role in the IPO of the company as well as in corporate finance, banking relationships, and capital project evaluation and approval. Ed’s extensive and varied financial experience makes him well positioned to provide wealth management advice to his Morgan Stanley clients.
At Penn State, Ed was a member of Sigma Chi Fraternity and served as Rush Chairman and Treasurer. Ed has lived at his home in New Canaan, CT since 1993 where he and his wife Kathy raised two children, Brendan and Stephanie. He is a member of The Shore and Country Club and has served on the Board of Governors as President, Treasurer, and Marina Representative. Ed enjoys boating, tennis and skiing.
Securities Agent: WY, VT, TN, CT, UT, NC, MA, OR, OH, DE, AZ, GA, DC, NV, TX, PA, IA, IL, WI, SC, RI, NY, NM, NH, NE, MI, ME, FL, CO, WA, VA, SD, NJ, MD, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 1395657
NMLS#: 1395657
About Michael Tiefenthaler
Michael first joined Morgan Stanley in October of 2019 as a Virtual Engagement Associate assisting financial advisors in the adoption of the firm's new technology and enhancing client communication. Michael was responsible for educating financial advisors on best practices, assisting with client contact schedules, and enhancing the overall digital engagement experience for wealth management clients.
Now working with the KT Group in Connecticut as a Financial Advisor Associate, Michael participates in the team's overall business development, and helps to manage client contact and accounts. He also assists with the goals planning process and helps to ensure all client plans are consistently monitored.
Michael received his Bachelor's degree in Business Administration with a focus in Finance from the University of South Carolina. He also holds the Series 7 and Series 66 securities licenses, and has his Life and Health Insurance license.
Now working with the KT Group in Connecticut as a Financial Advisor Associate, Michael participates in the team's overall business development, and helps to manage client contact and accounts. He also assists with the goals planning process and helps to ensure all client plans are consistently monitored.
Michael received his Bachelor's degree in Business Administration with a focus in Finance from the University of South Carolina. He also holds the Series 7 and Series 66 securities licenses, and has his Life and Health Insurance license.
Securities Agent: SC, TX, SD, AZ, NV, IA, TN, OR, NY, NM, MA, CO, WI, NC, MD, FL, CT, WY, PA, VT, RI, OH, NJ, UT, NE, DC, IL, GA, WA, ND, MI, VA, NH, ME, DE, CA; General Securities Representative; Investment Advisor Representative
NMLS#: 2410626
NMLS#: 2410626
Contact Jon Garofalo
Contact Timothy Romano Jr.
Contact Christopher Novielli
Contact Kurt Tiefenthaler
Contact Edward Kwiatkowski
Contact Michael Tiefenthaler
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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 Garofalo 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’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.
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.
3Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
4Morgan 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.
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 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.
7Morgan 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10The 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.
11Morgan 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
12When 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.
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’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.
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.
3Alternative Investments are speculative and include a high degree of risk. An investor could lose all or a substantial amount of his/her investment. Alternative investments are appropriate only for qualified, long-term investors who are willing to forgo liquidity and put capital at risk for an indefinite period of time.
4Morgan 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.
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 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.
7Morgan 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.
8Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10The 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.
11Morgan 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
12When 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.
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.
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Awards Disclosures
CRC 6491812 (04/2024)
