Phone:
(302) 636-5541(302) 636-5541
The Gehrt/Yaakovian Group at Morgan Stanley
Direct:
(302) 636-5537(302) 636-5537
Toll-Free:
(877) 801-4593(877) 801-4593
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Our Story and Services
Who We Are:
The Gehrt/Yaakovian Group is a Wimington, Delaware based wealth advisory group providing customized advice to individuals, families, and institutions both locally and around the country. Our mission is to become our clients trusted personal Chief Financial Officer, helping to guide them through all of their important financial decisions. Our team of experienced professionals aim to deliver superior family office services, customized wealth advisory services, and thoughtful portfolio management
How We Can Help You:
Wealth is almost always accompanied by complexity, and in today’s financial environment, that complexity is intensified. By working with The Gehrt/Yaakovian Group, you gain the support of a valuable ally who can help you formulate and implement strategies to surmount even your most complex financial challenges.
In addition to traditional and non-traditional asset management, we provide comprehensive financial planning, including a personalized wealth advisory, retirement planning, education planning, estate and intergenerational planning strategies, tax strategies, family meetings, and many other services. Throughout our relationship, we will strive to provide you with a higher standard of service based on a thorough understanding of your personal needs, objectives and unique circumstances. We are confident we can help you achieve your financial aspirations with our depth of financial knowledge, detailed and disciplined planning process, strict portfolio management discipline, thorough understanding of retirement and estate issues, exemplary service, and an unquestionable integrity.
The Gehrt/Yaakovian Group is a Wimington, Delaware based wealth advisory group providing customized advice to individuals, families, and institutions both locally and around the country. Our mission is to become our clients trusted personal Chief Financial Officer, helping to guide them through all of their important financial decisions. Our team of experienced professionals aim to deliver superior family office services, customized wealth advisory services, and thoughtful portfolio management
How We Can Help You:
Wealth is almost always accompanied by complexity, and in today’s financial environment, that complexity is intensified. By working with The Gehrt/Yaakovian Group, you gain the support of a valuable ally who can help you formulate and implement strategies to surmount even your most complex financial challenges.
In addition to traditional and non-traditional asset management, we provide comprehensive financial planning, including a personalized wealth advisory, retirement planning, education planning, estate and intergenerational planning strategies, tax strategies, family meetings, and many other services. Throughout our relationship, we will strive to provide you with a higher standard of service based on a thorough understanding of your personal needs, objectives and unique circumstances. We are confident we can help you achieve your financial aspirations with our depth of financial knowledge, detailed and disciplined planning process, strict portfolio management discipline, thorough understanding of retirement and estate issues, exemplary service, and an unquestionable integrity.
Services Include
- Professional Portfolio ManagementFootnote1
- Wealth ManagementFootnote2
- Institutional ServicesFootnote3
- Wealth PlanningFootnote4
- Financial PlanningFootnote5
- Retirement PlanningFootnote6
- Estate Planning StrategiesFootnote7
- Business PlanningFootnote8
- Trust ServicesFootnote9
- Cash Management and Lending ProductsFootnote10
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Comprehensive Services
The Gehrt/Yaakovian Group is dedicated to empower you in your financial journey and help achieve your financial goals.
Our objective is to gain a comprehensive understanding of your financial goals and tailor a well-curated and custom plan that actively benefits your investment goals. Our goal is to not only provide high-quality strategies, but also deliver them with excellence.
Our objective is to gain a comprehensive understanding of your financial goals and tailor a well-curated and custom plan that actively benefits your investment goals. Our goal is to not only provide high-quality strategies, but also deliver them with excellence.
Professional Portfolio Management
As seasoned financial advisor team, we provide focused portfolio management by closely monitoring global trends, market insights, and leveraging our firm's resources and experience to craft customized strategies to help ensure that our clients' investments are poised for success, adapting to ever-changing market dynamics to achieve your financial goals
Learn More About Our Portfolio Management Services
Wealth Management
At Morgan Stanley Wealth Management, we
offer access to extensive resources, combined with our capabilities, that gives us the means to support your goals at every life stage. We provide a range of strategies to meet you where you are—no matter your starting point or preferred investing approach. We understand that as family or institutional wealth increases, the implementation of investment strategies becomes increasingly complex end portfolios require.
Learn More About Wealth Management Servicesoffer access to extensive resources, combined with our capabilities, that gives us the means to support your goals at every life stage. We provide a range of strategies to meet you where you are—no matter your starting point or preferred investing approach. We understand that as family or institutional wealth increases, the implementation of investment strategies becomes increasingly complex end portfolios require.
Retirement Planning
At Gehrt Yaakovian Group, we are dedicated to assist you in developing comprehensive retirement plan and crafting an estate planning strategy designed to help preserve, manage, and distribute your assets during and after your lifetime, while optimizing your tax implications. We also assist with employment retirement plan i.e. 401(k) plan curated based on your personal objectives with a collaboratively designed tailored plan.
View Insights on Retirement Planning
Cash Management and Lending Products
As a client, you will have access to a suite of cash management strategies as a competitive alternative to a traditional bank. Through your Morgan Stanley Active Assets Account or CashPIus Brokerage Account, you can access a full suite of Cash Management Strategies to help you manage your everyday finances. Additionally, we're able to provide qualified clients with financing strategies for almost any personal or business need using the eligible securities in your brokerage account as collateral for a flexible line of credit.
Learn About Our Modern Alternative To Banking
Financial Planning
Our dedicated team leverages extensive market research and wide range of experience to guide you through the journey of financial planning, ensuring we hit every checkpoint along the way. From crafting the right strategies, optimizing tax planning, identifying various financial aspects, and more we are committed to providing you with comprehensive service that leads to financial security.
Learn More About Financial PlanningInstitutional Services
No two companies are alike. That’s why our customized portfolios are structured according to your organization’s unique needs and liquidity profile. We listen, develop and execute a tailor-made, integrated approach to cash flow management that focuses on preservation of your principal and liquidity, aligned with your company’s short-term goals and long-term vision.
Learn More About Institional ServicesRelevant Topics To Stay In The Know
At our financial advisory group, we understand the importance of keeping our clients well-informed about current market trends and key insights. To ensure you're always in the know, we provide a comprehensive suite of resources enabling you to stay informed of market developments and trends.
2024 Tax Tables
This helpful resource outlines the 2024 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
Access the 2024 federal tax tables
Student Loan Forgiveness Landscape
With policies related to student loan debt and forgiveness in flux, we look into the economic impact of the end of the student loan moratorium as well as implications for borrowers that may seek relief from the newly announced SAVE plan.
Learn More about Student Loan Forgiveness
The GIC Weekly
The Global Investment Committee's Lisa Shalett headlines this weekly look at markets, asset class performance and fixed income.
Tune Into GIC Weekly
Thoughts on the Market Podcast
Detailed market commentary from Morgan Stanley's thought leaders on topics such as global equities, fixed income, monetary policy and more.
Listen HereOur Approach
Our Comprehensive Wealth Advisory Platform
We are here to help guide you through every phase of of your life. We believe your long-term dreams and your day-to-day fulfillment are equally important. Our diversely talented team looks for ways to go above and beyond in managing your financial life, freeing you to focus on what really matters. We listen carefully to fully grasp your current needs and your future aspirations, and offer a full spectrum of financial strategy services. Over time, we develop a deep relationship with you, understand your goals, create a plan unique to your circumstances, and help guide you to personal fulfillment.
Our Process
Our goal is to meaningfully, and empathetically, understand each client's situation, needs, and goals by carefully listening, asking smart questions, and taking the time to develop a strong profile. We then conduct analysis and apply financial acumen, experience, and leadership to design a customized wealth management strategy. The strategy will clearly address how to be the best stewards of their resources. Upon implementation of the plan, we monitor and adjust things as needs, situations, and market environments change.
Our Investment Approach
Our investment approach is research driven, and based off of our proprietary analytics and market intelligence. We employ a disciplined global macro perspective in our investment selection process, and believe that we can exploit price dislocations on a cross asset basis. We do not constrain ourselves to any geographic area, capitalization, or specific market. As such, our investment universe is robust. We deploy cash tactically when our work suggests the risk/return profile is clearly skewed in our favor.
Risk Mitigation Strategies
At The Gehrt/Yaakovian Group, we believe preserving wealth in challenging markets is just as important as creating wealth in advancing cycles. We don't think that investors should have to sacrifice a significant amount of return to reduce the downside risks in their portfolio. As such, we employ active and disciplined risk mitigation strategies in all of our portfolio offerings. We believe that our risk mitigation strategies can help clients combat volatility and portfolio drawdowns, which can potentially result in superior risk-adjustetd returns over time.
Comprehensive Financial Planning
Regardless of what stage your life is in - moving ahead in your career, enjoying retirement, or somewhere in between - as your Financial Advisors, we can help you achieve your financial goals.
Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
We can create your personal roadmap to help achieve and protect your goals — a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
Using a suite of tools that includes goal-specific analysis, we can work with you to create a realistic, holistic strategy that integrates the various aspects of your financial life, including your investments and cash management needs.
We can create your personal roadmap to help achieve and protect your goals — a framework that makes the connection between your life goals and your financial resources, and provides a baseline for future discussions.
2025 Tax Tables
This helpful resource outlines the 2025 tax rate schedule, education and health savings account limits, retirement contribution and deduction limits, among other information. With tax season seemingly always right around the corner, it's best to be as informed as possible.
Access the 2025 federal tax tables
Goal Planning System (GPS)
We take care of your retirement accounts and other investments based on your comfort level with risk and your current tax circumstances, tailoring your financial strategy to your unique situation, needs, and goals.
Start Planning Now
Morgan Stanley Online
Morgan Stanley Online digital capabilities and the Morgan Stanley Mobile App provide clients with access to their account information, enriched reporting tools, several cash management solutions and robust market research. The Morgan Stanley Mobile App provides clients with access to their accounts in just a few taps.
Morgan Stanley Online Log-In
Total Wealth View
The ability to view all of your assets together provides the opportunity to advise on your Morgan Stanley accounts with your entire financial picture in mind.
We've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
Learn More About Total Wealth ViewWe've launched a new tool that allows you to link information from your accounts at other financial institutions directly to your Morgan Stanley Online or Morgan Stanley Mobile App profile.
Spending and Budgeting Tool
One way to manage savings is by using Morgan Stanley's Spending and Budgeting tool. These tools help advisors monitor client cash flows across both internal and external accounts. It also tracks spending patterns and produces an income and expense analysis to help clients achieve their goals by adjusting their spending behavior when necessary.
Start Using The Tool Today!
Retirement
Leading up to and through retirement, The Gehrt/Yaakovian Group helps you identify the most appropriate ways to obtain the income you need and help ensure that you are on track to achieve for financial goals
Location
500 Dupont Field Blvd
Ste 300
Greenville, DE 19807
US
Direct:
(302) 636-5537(302) 636-5537
Toll-Free:
(877) 801-4593(877) 801-4593
55 Cascade Lane
Reheboth Beach, DE 19971
US
Direct:
(302) 644-6626(302) 644-6626
Meet The Gehrt/Yaakovian Group
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director, Investment Management Consultant
Phone:
(302) 636-5537(302) 636-5537
Phone:
(302) 644-6626(302) 644-6626
Jane Hullander
Client Service Associate
Phone:
(302) 636-5545(302) 636-5545
About Matthew Gehrt
Matt Gehrt has spent his entire 20+ years in the financial service industry with Morgan Stanley. Born in Wilmington, DE, he currently resides in Kennett Square, PA with his wife Elizabeth and three sons, Jake, Ben, and Will. In his free time Matt enjoys spending time on the golf links and boating with family and friends.
Matt received his B.S. in Business and Marketing from Lehigh University. Along with his team at Morgan Stanley, The Gehrt/Yaakovian Group, Matt takes a holistic view of each client relationship. The team believes that each client has unique goals and individualized objectives. Using all of the available resources provided by a global financial services leader like Morgan Stanley, they help address pertinent financial needs such as; portfolio management and asset allocation reviews, college educational planning for new parents as well as grandparents, retirement income goals and planning, estate planning discussions, and more. Combined, The Gehrt/Yaakovian group has over 40 years of experience helping clients navigate their financial lives.
Our team at Morgan Stanley is dedicated to providing first class service. Our goal is to build long term, intergenerational relationships, and our first priority will always be you.
Matt received his B.S. in Business and Marketing from Lehigh University. Along with his team at Morgan Stanley, The Gehrt/Yaakovian Group, Matt takes a holistic view of each client relationship. The team believes that each client has unique goals and individualized objectives. Using all of the available resources provided by a global financial services leader like Morgan Stanley, they help address pertinent financial needs such as; portfolio management and asset allocation reviews, college educational planning for new parents as well as grandparents, retirement income goals and planning, estate planning discussions, and more. Combined, The Gehrt/Yaakovian group has over 40 years of experience helping clients navigate their financial lives.
Our team at Morgan Stanley is dedicated to providing first class service. Our goal is to build long term, intergenerational relationships, and our first priority will always be you.
Securities Agent: UT, AZ, OH, WA, MS, MO, MD, MA, VA, IL, CO, NJ, NC, ME, KS, DE, CA, MN, GA, DC, CT, OK, NV, MI, AR, TX, SC, NY, WV, VT, NM, KY, FL, PR, PA; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1261774
NMLS#: 1261774
About Matthew Yaakovian
Matt Yaakovian’s 20+ year career focuses on comprehensive planning, retirement issues, wealth and portfolio management, and total financial advice for high net worth, executives, individuals, and retired clients. He is a Delaware native, and completed his B.S. in Business Administration at the University of Delaware. His business achievements include being a Chartered Market Technician, and a member of the CMT Association. Matt lives in Hockessin with his wife Jen, two children, Ethan and Natalie, and their dog, Milo. In his free time, Matt enjoys spending time with his family at the beach in Lewes, playing guitar, jogging, and going to the gym.
Matt’s relationship with clients starts with a detailed profile of their current situation, goals, needs, risk tolerance, timelines, and preferences. An in-depth analysis is done to review areas needing attention, portfolio management, estate planning strategies, insurance (life, disability, long term care, survivorship), employer benefits, education, special needs, philanthropic & charitable concerns, retirement, principal preservation, portfolio structure, and income stream needs. The process provides a deep understanding of what and how goals will be achieved. Matt and his team of professionals want clients to see them as their personal chief financial officer, helping to guide them through all of their important financial decisions. Their first priority will always be you.
When clients work with The Gehrt/Yaakovian Group, they will find the highest ethical and professional standard in financial stewardship. The key differences that separate our team from competitors are as follows: depth of financial knowledge, a detailed and disciplined planning process, strict portfolio management discipline, thorough understanding of retirement and estate issues, service beyond compare, responsiveness, and unquestionable integrity.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Since life insurance and long term care insurance are medically underwritten, you should not cancel your current policy until your new policy is in force. A change to your current policy may incur charges, fees and costs. A new policy will require a medical exam. Surrender charges may be imposed and the period of time for which the surrender charges apply may increase with a new policy. You should consult with your own tax advisors regarding your potential tax liability on surrenders.
Matt’s relationship with clients starts with a detailed profile of their current situation, goals, needs, risk tolerance, timelines, and preferences. An in-depth analysis is done to review areas needing attention, portfolio management, estate planning strategies, insurance (life, disability, long term care, survivorship), employer benefits, education, special needs, philanthropic & charitable concerns, retirement, principal preservation, portfolio structure, and income stream needs. The process provides a deep understanding of what and how goals will be achieved. Matt and his team of professionals want clients to see them as their personal chief financial officer, helping to guide them through all of their important financial decisions. Their first priority will always be you.
When clients work with The Gehrt/Yaakovian Group, they will find the highest ethical and professional standard in financial stewardship. The key differences that separate our team from competitors are as follows: depth of financial knowledge, a detailed and disciplined planning process, strict portfolio management discipline, thorough understanding of retirement and estate issues, service beyond compare, responsiveness, and unquestionable integrity.
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Since life insurance and long term care insurance are medically underwritten, you should not cancel your current policy until your new policy is in force. A change to your current policy may incur charges, fees and costs. A new policy will require a medical exam. Surrender charges may be imposed and the period of time for which the surrender charges apply may increase with a new policy. You should consult with your own tax advisors regarding your potential tax liability on surrenders.
Securities Agent: CO, VT, NV, NH, NC, CT, NM, IN, WI, SC, FL, DC, CA, AZ, AR, UT, RI, PR, NJ, MS, ME, IL, GA, WV, TX, PA, MA, OK, NY, MN, DE, KS, KY, WA, VA, OH, MO, MD; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1255469
NMLS#: 1255469
About Gary Cecchett
Securities Agent: DC, NY, OK, NM, MN, KY, PR, NC, MO, DE, CT, AZ, TX, OH, LA, NJ, KS, FL, CO, VA, SC, CA, AK, WV, VT, PA, MS, UT, MD, GA, TN, ME, WA, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 536075
NMLS#: 536075
Contact Matthew Gehrt
Contact Matthew Yaakovian
Contact Gary Cecchett
Wealth Management
From Our Team
Why Clients Select The Gehrt/Yaakovian Group
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
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 Gehrt/Yaakovian Group today.
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 Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan 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.
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.
8Morgan 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.
9Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
10Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Check the background of our Firm and Investment Professionals on FINRA's BrokerCheck*.
The information, products and services described here are intended only for individuals residing in states where this Financial Advisor is properly registered as described in this site.
Morgan Stanley reserves the right, to the extent permitted under applicable law, to retain and monitor all electronic communications. Morgan Stanley will not accept purchase or sale orders via any Internet site, social media site and/or its messaging systems. Morgan Stanley does not endorse and is not responsible and assumes no liability for content, products or services posted by third-parties on any Internet site, social media site and/or its messaging systems. All electronic communications are subject to terms available at the following link:
https://www.morganstanley.com/disclaimers/mswm-email.html. Any profiles and associated content are for U.S. residents only.
The securities/instruments, services, investments and investment strategies discussed in this material may not be appropriate for all investors. The appropriateness of a particular investment, investment strategy or service will depend on an investor's individual circumstances and objectives. Morgan Stanley Smith Barney LLC recommends that investors independently evaluate particular investments, strategies and services, and encourages investors to seek the advice of a Financial Advisor or Private Wealth Advisor. This material does not provide individually tailored investment advice. It has been prepared without regard to the individual financial circumstances and objectives of persons who receive it.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) is not implying an affiliation, sponsorship, endorsement with/of the third party or that any monitoring is being done by Morgan Stanley of any information contained within the website. Morgan Stanley is not responsible for the information contained on the third-party website or the use of or inability to use such site. Nor do we guarantee their accuracy or completeness.
The views, opinions or advice contained within third party websites or materials are solely those of the author, who is not a Morgan Stanley employee, and do not necessarily reflect those of Morgan Stanley Smith Barney LLC, or its affiliates. The strategies and/or investments referenced may not be appropriate for all investors as the appropriateness of a particular investment or strategy will depend on an investor's individual circumstances and objectives.
*References to length of service at Morgan Stanley include years at Morgan Stanley and predecessor firms.
Certified Financial Planner Board of Standards Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™ and federally registered CFP (with flame design) in the U.S, which it awards to individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
3Morgan 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.
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.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
5Morgan 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.
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.
8Morgan 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.
9Morgan Stanley Smith Barney LLC does not accept appointments nor will it act as a trustee but it will provide access to trust services through an appropriate third-party corporate trustee.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning and other legal matters.
10Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
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.
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Awards Disclosures
CRC 6491812 (04/2024)