Senior Vice President, Wealth Management, Financial Advisor, Global Sports and Entertainment Director
Phone:
(205) 715-8740(205) 715-8740
The Garver Group at Morgan Stanley
Our Mission Statement
We take tremendous pride in our focus to provide excellent client service and proactive communication while helping clients seek to preserve and grow their wealth.
Our Story and Services
Our wealth management approach is centered around strong personal relationships built on trust and dedication.
As a team we focus on an individualized process for each client that consists of an integrated wealth management plan that helps clients identify and work towards their goals.
Our process provides a strong financial framework that adapts to your life's journey and we strive to be there every step along the way.
As a team we focus on an individualized process for each client that consists of an integrated wealth management plan that helps clients identify and work towards their goals.
Our process provides a strong financial framework that adapts to your life's journey and we strive to be there every step along the way.
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
THE TOOLS YOU NEED, ALL IN ONE PLACE
Our investment strategy leverages modern wealth tools and cutting-edge technology. By providing you with the digital tools you need for today’s world, we can help you come one step closer to achieving your financial goals.
Morgan Stanley Online
Beyond viewing your account balance and activity, Morgan Stanley Online (MSO) has a suite of features that allow you to manage your everyday finances from paying bills and sending money to transferring funds and authorizing transactions with eAuthorizations.
View Account
Spending and Budgeting Tool
Track spending habits, categorize expenses and create budgets across your Morgan Stanley and external financial accounts with our Spending and Budgeting Tool.
Tool Access
Total Wealth View
View all your external financial accounts directly in Morgan Stanley Online or the mobile app. By linking your accounts, you’ll benefit from more informed wealth planning, secure data access and convenient connectivity.
Access Total Wealth View
Digital Vault
Digital Vault allows for easy sharing and convenient access to your most important documents from wills and deeds to financial statements and tax fillings. Easily manage your encrypted financial records all in one place.
Vault Access
eDelivery
eDelivery provides you with the ability to view statements and other documents electronically in lieu of paper. Clients who are registered in Morgan Stanley Online may enroll in eDelivery.
Enroll in eDelivery
Goals Planning System
Our Goals Planning System is built on Morgan Stanley's intellectual capital and capabilities, to provide our clients with comprehensive investing and planning solutions for their individual goals.
Learn More
Morgan Stanley Mobile App
Securely access your Morgan Stanley account from virtually anywhere. Simply download it on your mobile device and use your Morgan Stanley Online username and password to log in. From there you will have a resource of MSO on the go.
Learn MoreINVESTMENT INSIGHT FROM OUR DESK TO YOURS
We make it a priority to not only help our clients stay up to date with their strategies but also with the market at large. Check here regularly to stay in the know with market news.
Thoughts On the Market Podcast
Join Mike Wilson, Chief Investment Officer and Chief US Equity Strategist for Morgan Stanley, as he and his colleagues discuss a variety of viewpoints regarding the latest trends in the financial marketplace.
Listen to the Latest Episode
On The Markets Research Report
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Read the Latest Report
GIC Weekly Research Report
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Read the Latest ReportRETIRE WITH CONFIDENCE
We can help you map a comprehensive retirement plan that adjusts based on the different stages of your life and accounts for your preferences, goals, and life events. Let’s connect if you would like to learn more about how we can help you retire with confidence:
You’re Ready for Retirement. Is Your Portfolio?
What can you do to avoid running out of money in retirement? Fortunately, there are ways to help you prepare for the market's unknowns as you advance toward retirement.
Learn More Here
5 Mistakes to Avoid in Retirement
To keep your life and retirement goals on track, here are several pitfalls to avoid, as you embark on this new, exciting chapter in your life.
Learn More Here
You Work Hard, Make Your 401(k) Plan Work Harder
Retire the notion that it is still too early to save and start saving early so you will have the freedom to enjoy your future in style.
Learn More Here
A Simple Six-Step Retirement Checkup
How much money is enough for a comfortable retirement? Here are three strategies that may help you optimize your plan in the year ahead.
Learn More Here
Tax-Smart Strategies for Your Retirement
Figuring out ways to minimize how much the IRS takes from your retirement money should be a central part of retirement planning. Consider these strategies to help you reduce your taxable income, generate tax-advantaged growth potential in your accounts and keep more of what you’ve worked so hard to save.
Learn More HereLocation
3500 COLONNADE
Birmingham, AL 35243
US
Direct:
(205) 715-8743(205) 715-8743
Meet The Garver Group
Phone:
(205) 715-8741(205) 715-8741
Phone:
(205) 949-7838(205) 949-7838
Shannon Hubbard
Client Service Associate
Phone:
(205) 715-8743(205) 715-8743
Lillian Rumbley
Client Service Associate
Phone:
(205) 715-8744(205) 715-8744
About Me
Andy joined the financial services industry in 1992 after spending 13 years as a collegiate football coach at Tulane University, University of Arizona, Bowling Green State University and The University of Notre Dame.
Our team's focus is on working with football coaches and their families throughout the NFL and college football. Andy has been a member of the American Football Coaches Association since 1979.
Andy earned his bachelor's degree from Tulane University and master's degree from The University of Notre Dame. Andy and his wife, Terri, have five children and eight grandchildren. Originally from Sarasota, FL, Andy enjoys spending time with his family at the beach and traveling.
Our team's focus is on working with football coaches and their families throughout the NFL and college football. Andy has been a member of the American Football Coaches Association since 1979.
Andy earned his bachelor's degree from Tulane University and master's degree from The University of Notre Dame. Andy and his wife, Terri, have five children and eight grandchildren. Originally from Sarasota, FL, Andy enjoys spending time with his family at the beach and traveling.
Securities Agent: CA, AL, PA, MD, MA, VA, DE, KS, WI, TN, NH, MS, MI, FL, CO, RI, OK, MT, MO, KY, WA, OR, NJ, IL, SC, OH, TX, NC, LA, AR, NY, AZ, MN, IN, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 509895
NMLS#: 509895
About Me
Mark Melichar is a Financial Advisor and Vice President who joined Morgan Stanley Wealth Management in March 2023 after 11 years at Merrill Lynch.
Mark graduated from Mississippi State University in December 2011, earning both his B.S. and M.S. from the University. Mark was a four year letterman for the Mississippi State Football team and five time Academic All-SEC member. He also was awarded the Brad Davis Post Graduate Scholarship from the Southeastern Conference in 2011.
Mark grew up in Birmingham, Alabama and resides in North Shelby County. He and his wife Mallie have three children-Langston, Manning and Ledger.
*Certified Financial Planner Board of Standards Inc. owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNER™ in the U.S.
*ChFC® and Chartered Financial Consultant® are the property of The American College, which reserves the sole rights to its use, and is used by permission.
Mark graduated from Mississippi State University in December 2011, earning both his B.S. and M.S. from the University. Mark was a four year letterman for the Mississippi State Football team and five time Academic All-SEC member. He also was awarded the Brad Davis Post Graduate Scholarship from the Southeastern Conference in 2011.
Mark grew up in Birmingham, Alabama and resides in North Shelby County. He and his wife Mallie have three children-Langston, Manning and Ledger.
*Certified Financial Planner Board of Standards Inc. owns the certification marks CFP® and CERTIFIED FINANCIAL PLANNER™ in the U.S.
*ChFC® and Chartered Financial Consultant® are the property of The American College, which reserves the sole rights to its use, and is used by permission.
Securities Agent: AL, IN, NC, MD, AZ, MO, MN, TX, CA, AR, WI, MT, KY, WA, VA, RI, MI, MA, KS, FL, MS, LA, IL, DE, CO, OR, TN, SC, PA, OH, NJ, GA, OK, NY, NH; General Securities Representative; Investment Advisor Representative
NMLS#: 903856
NMLS#: 903856
About Me
Hunter James joined Morgan Stanley Wealth Management in March 2023 after 4 years at Merrill Lynch. Prior to Merrill Lynch, Hunter worked in collegiate athletics for 8 years at the University of Alabama.
Outside of the office Hunter enjoys spending time with his wife and two children, hunting, fishing and playing golf.
Hunter is a graduate of the University of Alabama earning his B.S. in 2013 and M.S. in 2017.
Outside of the office Hunter enjoys spending time with his wife and two children, hunting, fishing and playing golf.
Hunter is a graduate of the University of Alabama earning his B.S. in 2013 and M.S. in 2017.
Securities Agent: IL, FL, VA, MT, SC, PA, AZ, AR, NJ, NC, DE, WI, TN, OH, MD, LA, KS, GA, CA, MI, MO, MA, TX, OR, NH, CO, WA, NY, MN, AL, OK, MS, RI, KY, IN; General Securities Representative; Investment Advisor Representative
NMLS#: 1890319
NMLS#: 1890319
About Shannon Hubbard
Shannon Hubbard is a Client Service Assistant who joined Morgan Stanley in March 2023. Shannon has been with the Garver Group for the past 11 years with over 20 years in the financial services industry.
Shannon is a graduate from the University of Montevallo and she is involved in many civic organizations. She enjoys spending time with family and her beloved dog “Dapper”.
Shannon is a graduate from the University of Montevallo and she is involved in many civic organizations. She enjoys spending time with family and her beloved dog “Dapper”.
About Lillian Rumbley
Lily Rumbley recently joined the Garver Group at Morgan Stanley in 2024. She comes to the team with three years of experience in the financial services industry. Lily’s primary role is overseeing daily business operations, while effectively managing the overall workflow and operations of the team. Lily is an efficient problem solver with a focus on developing and maintaining client relationships with a high level of service.
Lily is a graduate of The University of Alabama with a bachelor’s degree in commerce and business administration. She majored in Finance with a concentration in Economics. Lily resides in Birmingham with her golden retriever, Franklin.
Lily is a graduate of The University of Alabama with a bachelor’s degree in commerce and business administration. She majored in Finance with a concentration in Economics. Lily resides in Birmingham with her golden retriever, Franklin.
Contact Andy Garver
Contact Mark Melichar
Contact Hunter James
The Power of Partnerships
By partnering with experienced individuals across wealth disciplines, Morgan Stanley Financial Advisors can align specialized resources with your custom needs and deliver strategic guidance through the familiarity and trust of existing relationships
Whitney Syme
Associate Private Banker
Brandon Marsh, CPWA®
Financial Planning Director, Vice President
About Whitney Syme
Whitney Syme is an Associate Private Banker serving Morgan Stanley
Wealth Management offices in Alabama, Arkansas, and Florida.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Whitney began her career in financial services in 2006 when she joined Morgan Stanley. Prior to her current role she served as a Business Development Associate and as a Senior Complex Service Manager.
Whitney is a graduate of the Auburn University, where she received a Bachelor of Science in Marketing. She lives in Birmingham, Alabama with her family. Whitney is a member of the Big Oak Ranch Auxiliary and Vestavia Hills Elementary Cahaba Heights Parent Teacher Organization. Outside of the office, Whitney enjoys painting, hiking, skiing, and traveling.
Wealth Management offices in Alabama, Arkansas, and Florida.
Associate Private Bankers partner with Private Bankers and Financial Advisors to develop a specialized approach for managing clients’ cash flow, liquidity and financing needs, leveraging our comprehensive suite of cash management and lending solutions.
Whitney began her career in financial services in 2006 when she joined Morgan Stanley. Prior to her current role she served as a Business Development Associate and as a Senior Complex Service Manager.
Whitney is a graduate of the Auburn University, where she received a Bachelor of Science in Marketing. She lives in Birmingham, Alabama with her family. Whitney is a member of the Big Oak Ranch Auxiliary and Vestavia Hills Elementary Cahaba Heights Parent Teacher Organization. Outside of the office, Whitney enjoys painting, hiking, skiing, and traveling.
NMLS#: 2277780
About Brandon Marsh
Brandon Marsh, CPWA® is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Alabama, Arkansas, and the Florida Panhandle. Brandon is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Brandon began his career in financial services as a financial analyst upon graduating from college and joined Morgan Stanley in 2014. His career in the financial services industry spans more than 21 years, during which time he has held roles in various aspects of the industry, including fixed income, asset liability, portfolio management, and derivative experience. Brandon’s scope of experience lends delivering guidance and skilled focus to clients on a variety of areas of financial planning concerns.
Brandon holds an undergraduate degree in Business Administration. As a FINRA registered representative, he holds Series 7, 63, and 65 licenses. Brandon has earned a CPWA (Certified Private Wealth Advisor) designation, awarded by the Investments & Wealth Institute. Brandon lives in Birmingham, Alabama with his wife Hayley and two sons Paul and Walton. He enjoys time spent with family, fishing with his boys, coaching sports teams, and scouts.
Brandon began his career in financial services as a financial analyst upon graduating from college and joined Morgan Stanley in 2014. His career in the financial services industry spans more than 21 years, during which time he has held roles in various aspects of the industry, including fixed income, asset liability, portfolio management, and derivative experience. Brandon’s scope of experience lends delivering guidance and skilled focus to clients on a variety of areas of financial planning concerns.
Brandon holds an undergraduate degree in Business Administration. As a FINRA registered representative, he holds Series 7, 63, and 65 licenses. Brandon has earned a CPWA (Certified Private Wealth Advisor) designation, awarded by the Investments & Wealth Institute. Brandon lives in Birmingham, Alabama with his wife Hayley and two sons Paul and Walton. He enjoys time spent with family, fishing with his boys, coaching sports teams, and scouts.
Private Bankers, Ultra High Net Worth (“UHNW”) Sales Specialists, Lending Advisors, Mortgage Consultants, Relationship Managers, Cash Management Specialists, Associate Private Bankers are employees of Morgan Stanley Private Bank, National Association.
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Banking products and services are offered by Morgan Stanley Private Bank, National Association, Member FDIC.
Morgan 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
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Wealth Management for Athletes and Entertainers
Understanding the unique financial challenges of athletes and entertainers and how they differ from one profession to the next, we deliver the experience and resources you need to help create and implement a comprehensive, multigenerational wealth management plan based on your needs, values and aspirations.
- Investment Management
- Wealth Transfer & Philanthropy
- Private Banking Solutions
- Family Governance & Wealth Education
- Lifestyle Advisory
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 Garver 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 offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
1Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
2Morgan Stanley offers a wide array of brokerage and advisory services to its clients, each of which may create a different type of relationship with different obligations to you. Please consult with your Financial Advisor to understand these differences or review our Understanding Your Brokerage and Investment Advisory Relationships brochure available at www.morganstanley.com/wealth-relationshipwithms/pdfs/understandingyourrelationship.pdf.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024), 3582895 (6/2024)
