Sergio Nicolosi
Financial Advisor, Senior Vice President, Portfolio Management Director, International Client Advisor, Financial Planning Specialist
Phone:
(516) 227-2830(516) 227-2830
The Genesis Group at Morgan Stanley
Our Mission Statement
Having a plan in place is crucial to your future during unexpected events.
Our goal is to help you reach your goals through experience, intellectual capital and dedicated personal service.
Our goal is to help you reach your goals through experience, intellectual capital and dedicated personal service.
Our Story and Services
The Genesis Group at Morgan Stanley Wealth Management, a 15-person team with eight financial advisors who bring over 100 years of combined experience designed to deliver thoughtful and unbiased advice through a client-centric approach.
Our clients have achieved significant financial success throughout their lives. As a result, they encounter a broad range of complicated wealth management challenges. Our goal is to help protect what has been earned, simplify finances, and create comprehensive plans to support future endeavors.
Our experience and capabilities allow us to help with multigenerational wealth and sustaining a legacy by making well-informed decisions for sophisticated financial issues while educating along the way.
We create plans that keep your investments aligned with your goals, we monitor your progression, and we combat unexpected difficulties that arise along the way.
We help successful families, business owners and professionals manage their wealth. Drawing on our collective knowledge, experience, education and the extensive resources of Morgan Stanley, we provide an exceptionally broad range of wealth management strategies. Our group is responsible for ~$3BN in client assets as of April 2024.
By acting as Fiduciaries, we work diligently every day to sustain your financial success, so that you can pursue your aspirations.
Our clients enjoy direct access to our team at a boutique-level of service while experiencing the benefits and resources of a global investment firm.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based on time period from 3/31/22-3/31/23.
Our clients have achieved significant financial success throughout their lives. As a result, they encounter a broad range of complicated wealth management challenges. Our goal is to help protect what has been earned, simplify finances, and create comprehensive plans to support future endeavors.
Our experience and capabilities allow us to help with multigenerational wealth and sustaining a legacy by making well-informed decisions for sophisticated financial issues while educating along the way.
We create plans that keep your investments aligned with your goals, we monitor your progression, and we combat unexpected difficulties that arise along the way.
We help successful families, business owners and professionals manage their wealth. Drawing on our collective knowledge, experience, education and the extensive resources of Morgan Stanley, we provide an exceptionally broad range of wealth management strategies. Our group is responsible for ~$3BN in client assets as of April 2024.
By acting as Fiduciaries, we work diligently every day to sustain your financial success, so that you can pursue your aspirations.
Our clients enjoy direct access to our team at a boutique-level of service while experiencing the benefits and resources of a global investment firm.
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based on time period from 3/31/22-3/31/23.
Your Direct Access Includes:
- Investment Management
- Risk Management
- Income Solutions
- Liquidity Alternatives
- Banking Solutions
- Mortgages
- Tax Considerations
- Real Estate conversations & considerations
- Retirement needs
Services Include
- Professional Portfolio ManagementFootnote1
- Alternative InvestmentsFootnote2
- Asset Management
- Wealth ManagementFootnote3
- Financial PlanningFootnote4
- Structured ProductsFootnote5
- Fixed IncomeFootnote6
- Municipal BondsFootnote7
- Estate Planning StrategiesFootnote8
- SyndicateFootnote9
- Cash ManagementFootnote10
- Life InsuranceFootnote11
- AnnuitiesFootnote12
- Certificates of DepositFootnote13
- Retirement PlanningFootnote14
- Exchange Traded FundsFootnote15
- 529 PlansFootnote16
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Our Process
As your dedicated financial advisors, we will tailor a personalized financial strategy that fits your needs. In our experience working with clients, we have developed a step-by-step approach to service:
Discovery
We take the time to fully understand you and your family – whether you’re planning for retirement, purchasing a home, or living out your golden years – We consider all of your challenges, goals, and aspirations when building your financial picture.
Forming Your Strategy
Using your life goals as our compass, we create a risk-balanced strategy which maps a clear path to achieving your success & reaching your goals
Implementing Your Plan
We apply extensive research and analysis, and also utilize Morgan Stanley’s full suite of resources, to ensure swift decisive action in all market scenarios.
Measuring Your Success
We check in with you to deliver metrics around your portfolio, and ultimately measure trajectory towards your goals. Our ultimate mission is your success and well-being.
SUITE OF DIGITAL TOOLS
Morgan Stanley Online
Morgan Stanley Online 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 eAuthorization.
Access Morgan Stanley Online
Digital Vault
Digital Vault allows for easy sharing and convenient access to your most important documents such as wills, financial statements and tax fillings. Easily manage your encrypted financial records all in one place.
Access Digital Vault
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
Mobile Check Deposit
With the mobile app, you can use mobile check deposit to quickly deposit checks drawn on a U.S. bank anytime, anywhere from your device with some of the highest deposit limits in the industry.
Learn More
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.
Access Tool
Online Transfers with eAuthorizations
Electronically authorize domestic and international one-time or recurring transactions through Morgan Stanley Online and the mobile app.
Learn MoreOur Designations
Our team is dedicated to providing you with a holistic wealth management experience. Take a look at some of our team's specialties to get a better understanding of how we can help you.
CFP® - Certified Financial Planner™ (Keith Galanti)
The Certified Financial Planner™ designation is awarded to candidates who have demonstrated expertise in the areas of Education, Investment, Tax, Retirement, Estate and Insurance planning. CFP® professionals must accrue several years of experience related to delivering financial planning services to clients and pass a comprehensive exam before calling themselves a CFP® Professional and are held to strict ethical standards to ensure financial planning recommendations are in the best interest of their clients.
Lending Specialist - Alan Rutchik
The Lending Specialist Designation provides qualified Advisors with additional training and benefits to help enhance their knowledge, market their practice, and support their effectiveness in delivering the full breadth of Morgan Stanley lending offerings to clients. Lending Specialists (LS) are selected for their leadership, experience, and commitment to the lending business. Entry into the designation occurs on an annual basis and is by invitation only.
Portfolio Management Director & Senior Portfolio Manager (Sergio Nicolosi & William Zimmerman
Morgan Stanley's Portfolio Management program allows specialized advisors who have completed all components of the PM certification. These titles allow and empowers financial advisors to utilize certain capabilities typically reserved for money management firms.
Equity Compensation - Workplace Advisor (Sergio Nicolosi, Keith Galanti, Matthew Mott)
The Workplace Advisor-Equity Compensation designation stems from success working with corporate executives who receive Restricted Stock Units, Performance Stock Units, Non-Qualified Options, Incentive Stock Options, and other equity awards as part of their compensation. Many of these conversations revolve around tax implications for different strategies of exercising, selling, buying, or holding their equity awards.
RICP® - Reitrement Income Certified Professional (Keith Galanti)
Retirement Income Certified Professionals give you the skills to build sustainable and holistic retirement income plans using a depth of knowledge covering retirement risk, social security, long term care costs, estate planning and much more
ICA - International Client Advisor (Sergio Nicolosi)
An International Client Advisor will help you create a customized wealth strategy that is aligned with your core values and driven by your personal, professional and philanthropic goals. Our approach to wealth management integrates advice and capabilities to help you manage your assets and liabilities.
Financial Planning Specialist (Sergio Nicolosi & Matthew Mott)
Financial Planning Specialists provide a number of planning services, ranging from fundamental considerations to more complex topics such as business ownership and equity compensation. Those who pass the exam are granted to unique title of Financial Planning Specialist.
RESEARCH AND INSIGHTS
We want to provide you with the most recent, timely, and important information so you can feel informed and educated during these difficult times. We will be periodically updating these links in order to keep the most important information top of mind.
Tax Season Resources
Tax season will be here before you know it, and as April 15th approaches we want to share some useful information with you to keep you informed and organized. Below you'll find tax season resources, and a few tips to help you prepare.
Learn More
End of Year Tips
Learn the money moves you can make to set yourself up for success in 2024 and beyond. Find tips on investing, taxes, charitable giving and more.
Learn More
Social Security COLA Increase
The Social Security Benefits and Supplemental Security Income (SSI) payments will see a 3.2% increase in 2024. On average, Social Security retirement benefits will increase by more than $50 per month in January.
Learn More
Required Minimum Distributions
Required minimum distributions (RMDs) are likely to play an important role in your finances in retirement. Planning ahead for what you want to do with the money may help reduce taxes and increase options for re-investing. Here’s 8 things you should know.
Learn More
What Should I Do With My Money
Listen to our newest podcasts where Morgan Stanley Financial Advisors answer real questions, from real people, about the most important aspects of client lives. We aim to give insight to the most common questions among our clients.
Learn More
Improve Financial Literacy at Any Age
Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life. No matter your current priorities, a strong financial literacy foundation can help you meet your goals.
Learn MoreLocation
1200 Franklin Avenue 2nd
Fl
Garden City, NY 11530
US
Direct:
(516) 227-2830(516) 227-2830
Meet The Genesis Group
Keith Galanti, CFP®, RICP®
Senior Vice President, Wealth Advisor
Phone:
(516) 227-2951(516) 227-2951
Andrea Schwarz
Senior Vice President, Wealth Management, Financial Advisor
Phone:
(516) 227-2855(516) 227-2855
Alan Rutchik
Senior Vice President, Wealth Management, Financial Advisor, Lending Specialist
Phone:
(516) 227-2903(516) 227-2903
William Zimmerman
Senior Vice President, Financial Advisor, Senior Portfolio Manager
Phone:
(516) 227-2882(516) 227-2882
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(516) 683-3104(516) 683-3104
Kenneth Miller
Senior Vice President, Financial Advisor
Phone:
(516) 227-2802(516) 227-2802
Matthew Mott
Vice President, Wealth Management, Financial Advisor, Financial Planning Specialist, Workplace Advisor - Equity Compensation
Phone:
(516) 227-2870(516) 227-2870
Jenna Rutchik
Financial Advisor, Financial Planning Specialist
Phone:
(516) 227-2898(516) 227-2898
Jesse Blouin
Financial Advisor
Phone:
(516) 227-2912(516) 227-2912
Nicholas Seyfert
Registered Client Service Associate
Phone:
(516) 227-2829(516) 227-2829
Oscar Bonilla
Client Service Associate
Phone:
(516) 683-3208(516) 683-3208
Kate McLam
Client Service Associate
Phone:
(516) 227-2908(516) 227-2908
Robanpreet Singh
Client Service Associate
Phone:
(516) 227-2807(516) 227-2807
About Sergio Nicolosi
Sergio, Senior Vice President of Investments, started his financial services career in 2003 in the hedge fund industry as a research analyst. In 2009, he was recruited by Morgan Stanley, where he now focuses on portfolio management and financial planning for high-net-worth individuals and family offices. As a Portfolio Management Director, his focus is portfolio construction across equities, fixed income, hedge funds, structured notes and private equity. Sergio’s clients are successful business owners, corporate executives, retirees and international investors.
He loves his job and strategizing with team members daily.
He received his B.A. in economics from City University of New York.
Sergio currently resides in the village of Garden City with his wife and daughter. He is the Garden City Turkey Trot Treasurer.
Sergio starts his day at 5AM which consist of weightlifting, running and reading market news. He has completed 3 marathons and over 20 half marathons. In his free time, he enjoys to travel and attend his daughter’s competitive lacrosse games and other sports.
He loves his job and strategizing with team members daily.
He received his B.A. in economics from City University of New York.
Sergio currently resides in the village of Garden City with his wife and daughter. He is the Garden City Turkey Trot Treasurer.
Sergio starts his day at 5AM which consist of weightlifting, running and reading market news. He has completed 3 marathons and over 20 half marathons. In his free time, he enjoys to travel and attend his daughter’s competitive lacrosse games and other sports.
Securities Agent: NC, KY, PR, OK, ID, AK, VI, WY, IA, UT, OH, NV, MD, CO, VA, TX, RI, OR, CA, AL, WV, ND, VT, SD, MT, NY, NE, HI, GA, WA, MN, IN, CT, AZ, TN, MS, MA, IL, WI, PA, ME, NM, NH, KS, DE, DC, AR, NJ, MO, MI, FL, SC, LA; General Securities Representative; Investment Advisor Representative
NMLS#: 1252957
NMLS#: 1252957
About Keith Galanti
Keith is a Certified Financial Planner® and Retirement Income Certified Professional.® Keith began his financial advisory practice in 1984 and has helped guide clients and their families through some of the most difficult and volatile periods in financial market history. Keith works with a select group of successful small business owners, professionals and their families. Many of which enjoy a work optional lifestyle.
Keith develops wholistic, custom strategies designed to address each client’s unique needs. In many cases, these are designed to: preserve wealth, replace income, mitigate taxes, take care of heirs, make sure assets are not unjustly taken and to institute charitable giving programs.
Keith graduated from Marist College with a B.S. in accounting and currently resides in the village of Garden City with his wife and two children.
Keith is a member of the Garden City Planning Commission and enjoys snowboarding, white water rafting and road trips with the family.
Keith develops wholistic, custom strategies designed to address each client’s unique needs. In many cases, these are designed to: preserve wealth, replace income, mitigate taxes, take care of heirs, make sure assets are not unjustly taken and to institute charitable giving programs.
Keith graduated from Marist College with a B.S. in accounting and currently resides in the village of Garden City with his wife and two children.
Keith is a member of the Garden City Planning Commission and enjoys snowboarding, white water rafting and road trips with the family.
Securities Agent: VT, CO, TX, OR, NH, MI, MA, IL, AR, VI, NV, NM, MS, MD, IA, WI, UT, PA, KS, DC, CA, OH, NE, LA, IN, HI, GA, CT, WV, SD, NC, DE, AZ, WA, TN, RI, OK, NY, NJ, ME, KY, AL, MT, AK, WY, ND, MN, PR, VA, SC, MO, FL, ID; General Securities Principal; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1290435
NMLS#: 1290435
About Andrea Schwarz
Andrea has been in the financial industry for over 36 years. In 2009, Andrea came to Morgan Stanley because one of her greatest joys is helping her clients succeed.
Clients have described Andrea as concerned, informed and caring.
Andrea has had great success helping women discover financial independence. She works with families and individuals on generational investing and generational wealth throughout a life cycle; which has led to multi-generational relationships including baby boomers, generation X, and millennials.
Andrea is a graduate of Tufts University with B.A. in English and French. Andrea volunteers at her local food bank and delivers meals. She also is involved in animal rescue for both dogs and cats.
In her free time, Andrea is an avid tennis player and enjoys the outdoors, especially hiking and biking. She has two grown children, aged 30 and 28 that she loves dearly. Her cat named Tiger is a trusted companion.
Clients have described Andrea as concerned, informed and caring.
Andrea has had great success helping women discover financial independence. She works with families and individuals on generational investing and generational wealth throughout a life cycle; which has led to multi-generational relationships including baby boomers, generation X, and millennials.
Andrea is a graduate of Tufts University with B.A. in English and French. Andrea volunteers at her local food bank and delivers meals. She also is involved in animal rescue for both dogs and cats.
In her free time, Andrea is an avid tennis player and enjoys the outdoors, especially hiking and biking. She has two grown children, aged 30 and 28 that she loves dearly. Her cat named Tiger is a trusted companion.
Securities Agent: NV, GA, SC, MN, KS, IL, FL, DC, NC, MS, KY, HI, DE, AL, VT, CT, AK, WA, TX, NE, ND, WV, TN, OR, NM, IN, ID, IA, VA, UT, OH, NJ, MT, LA, CA, RI, OK, MI, AZ, AR, PR, WY, VI, NH, ME, CO, WI, SD, PA, NY, MO, MD, MA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1297964
CA Insurance License #: OAO1924
NMLS#: 1297964
CA Insurance License #: OAO1924
About Alan Rutchik
Alan brings over 20 years of experience to the team around capital markets, investing and real estate. Alan focuses on working with real estate professionals, business owners and business executives.
Alan earned the prestigious, Lending Specialist designation, due to his pronounced success in real estate and lending solutions. Alan further helps his clients by identifying their goals and finding solutions for retirement planning, investment strategies and creating strategies around liquidity and financing.
Alan was also named to Morgan Stanley's prestigious *2024 Master's Club, a group of the Firm's successful Financial Advisors acknowledging the dedication he has to clients while providing a wide range of services.
Alan received his B.S from NYU College of Business and Public Administration and his M.P.A from NYU Graduate School of Public Administration.
*Morgan Stanley Wealth Management Master's Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and asset under supervision.
Masters Club membership is no guarantee of future performance.
Alan earned the prestigious, Lending Specialist designation, due to his pronounced success in real estate and lending solutions. Alan further helps his clients by identifying their goals and finding solutions for retirement planning, investment strategies and creating strategies around liquidity and financing.
Alan was also named to Morgan Stanley's prestigious *2024 Master's Club, a group of the Firm's successful Financial Advisors acknowledging the dedication he has to clients while providing a wide range of services.
Alan received his B.S from NYU College of Business and Public Administration and his M.P.A from NYU Graduate School of Public Administration.
*Morgan Stanley Wealth Management Master's Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and asset under supervision.
Masters Club membership is no guarantee of future performance.
Securities Agent: NM, NH, NC, AZ, UT, DE, NJ, MO, IL, FL, CO, OH, LA, KY, WI, TX, RI, MN, KS, DC, CT, PA, MA, ID, CA, SC, MD, IN, NV, AR, AL, WA, HI, VA, OK, NY, ME, GA, NE; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1253203
NMLS#: 1253203
About William Zimmerman
Bill, Senior Vice President of Investments and Senior Portfolio Manager, has been with Morgan Stanley for over twenty-five years. As a seasoned professional with a keen understanding of global markets, his ability to react to today’s fast moving, often volatile market conditions, makes him uniquely attuned to his client’s short and long term goals. He specializes in holistic planning, crafting portfolios which balance wealth building along with retirement and estate planning.
Outstanding service is the hallmark of Bill’s financial philosophy. He understands that while wealth building is often where a new client begins a conversation, it is the long-term goals, funding children’s education, saving for a second or even third home, building a substantial retirement fund, that provides the basis for a decades long, successful partnership between client and financial planner.
Many of Bill’s clients have been with him since his beginnings on Wall Street, when he specialized in equity trading at Lehman Brothers. From that unique focus, Bill has expanded to multi-generational family accounts, serving not only children but now the grandchildren of many of his first clients. By utilizing the global scope of Morgan Stanley’s resources, Bill is uniquely qualified to help you reach your financial goals while providing you with the ultimate in client satisfaction.
Outstanding service is the hallmark of Bill’s financial philosophy. He understands that while wealth building is often where a new client begins a conversation, it is the long-term goals, funding children’s education, saving for a second or even third home, building a substantial retirement fund, that provides the basis for a decades long, successful partnership between client and financial planner.
Many of Bill’s clients have been with him since his beginnings on Wall Street, when he specialized in equity trading at Lehman Brothers. From that unique focus, Bill has expanded to multi-generational family accounts, serving not only children but now the grandchildren of many of his first clients. By utilizing the global scope of Morgan Stanley’s resources, Bill is uniquely qualified to help you reach your financial goals while providing you with the ultimate in client satisfaction.
Securities Agent: WY, AZ, MS, SD, ND, NE, VT, VI, TX, OH, MD, IL, WI, VA, OR, NH, MO, LA, WV, MT, AK, PR, MI, NM, HI, AR, PA, NY, MN, KS, IA, TN, SC, NV, ID, GA, DE, KY, IN, DC, OK, NC, FL, WA, MA, CA, AL, UT, RI, NJ, ME, CT, CO; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1262316
NMLS#: 1262316
About Thomas Cassano
Securities Agent: MA, DE, AL, WV, ND, IA, AK, LA, OK, NE, MS, WY, NV, SD, NH, MT, HI, AR, OR, KS, CT, VA, PA, VT, ID, VI, PR, TN, MI, UT, MN, AZ, RI, MD, CO, SC, MO, KY, IN, FL, NJ, WI, OH, NM, ME, IL, DC, GA, CA, WA, TX, NY, NC; General Securities Representative; Investment Advisor Representative
NMLS#: 579427
NMLS#: 579427
About Kenneth Miller
Ken has been in the business for over 25 years. His focus is on the Employee Retirement Income Security Act market, with a primary emphasis on 401(k) plans. He assists clients who are seeking a fiduciary review of their current retirement plan. Additionally, he works with clients that are seeking proposals, with the intention of changing their plan provider. His typical plan size is in excess of $100 million, including both the private and public sector.
He also works closely with board members, who are seeking advice on their personal wealth, by leveraging his team’s extensive resources and diligent wealth management process.
Ken also manages the team’s burgeoning and successful relationship with the E*TRADE.
This effort has resulted in the team raising over $70 million dollars, through the first half of 2023.
Ken is dedicated to fitness, having competed in over two dozen triathlons. He is also an avid surfer. In his free time, he coaches youth lacrosse. He is a graduate of UNC, where he played lacrosse. His four children all played Lacrosse at the college level.
He also works closely with board members, who are seeking advice on their personal wealth, by leveraging his team’s extensive resources and diligent wealth management process.
Ken also manages the team’s burgeoning and successful relationship with the E*TRADE.
This effort has resulted in the team raising over $70 million dollars, through the first half of 2023.
Ken is dedicated to fitness, having competed in over two dozen triathlons. He is also an avid surfer. In his free time, he coaches youth lacrosse. He is a graduate of UNC, where he played lacrosse. His four children all played Lacrosse at the college level.
Securities Agent: AZ, CO, TN, NY, DE, MA, CT, CA, AL, VA, OR, NJ, OH, NM, IL, WA, ME, LA, IN, UT, MN, SC, NC, DC, WI, NE, FL, TX, RI, PA, KS, GA; General Securities Representative; Investment Advisor Representative
About Matthew Mott
Matt has been with Morgan Stanley since 2018, where he finished amongst the top of his peers through the Morgan Stanley program.
He received the Workplace Advisor-Equity Compensation designation from success in working with corporate executives who receive Restricted Stock Units, Performance Stock Units, Non-Qualified Options, Incentive Stock Options, and other equity awards as part of their compensation. Many of these conversations revolve around tax implications for different strategies of exercising, selling, buying, or holding their equity awards.
He was also named to Morgan Stanley's prestigious *2024 Pacesetter's Club, a group of the Firm's successful Financial Advisors acknowledging the dedication he has to clients while providing a wide range of services.
With his Financial Planning Specialist designation, Matt approaches client conversations holistically and takes many factors into consideration before recommendations; Income, Retirement Targets, Assets, Liabilities & Debt, Estate Plans, to name a few. He works diligently to help sustain a client’s success so they can pursue their personal ambitions & utilizes the multitude of resources at Morgan Stanley to deliver the best possible outcome for a client.
He is a former competitive athlete of lacrosse, rugby, wrestling, jiujitsu, and football. He received his B.A. from Coastal Carolina University, where he graduated magna cum laude.
Today, Matt enjoys; golf, tennis, pickleball, focusing on health & wellness, and spending time with his dog, Hunter. He currently resides in The Landing, Glen Cove, with his wife.”
*Morgan Stanley Wealth Management Pacesetter's Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and asset under supervision.
Pacesetter's Club membership is no guarantee of future performance.
He received the Workplace Advisor-Equity Compensation designation from success in working with corporate executives who receive Restricted Stock Units, Performance Stock Units, Non-Qualified Options, Incentive Stock Options, and other equity awards as part of their compensation. Many of these conversations revolve around tax implications for different strategies of exercising, selling, buying, or holding their equity awards.
He was also named to Morgan Stanley's prestigious *2024 Pacesetter's Club, a group of the Firm's successful Financial Advisors acknowledging the dedication he has to clients while providing a wide range of services.
With his Financial Planning Specialist designation, Matt approaches client conversations holistically and takes many factors into consideration before recommendations; Income, Retirement Targets, Assets, Liabilities & Debt, Estate Plans, to name a few. He works diligently to help sustain a client’s success so they can pursue their personal ambitions & utilizes the multitude of resources at Morgan Stanley to deliver the best possible outcome for a client.
He is a former competitive athlete of lacrosse, rugby, wrestling, jiujitsu, and football. He received his B.A. from Coastal Carolina University, where he graduated magna cum laude.
Today, Matt enjoys; golf, tennis, pickleball, focusing on health & wellness, and spending time with his dog, Hunter. He currently resides in The Landing, Glen Cove, with his wife.”
*Morgan Stanley Wealth Management Pacesetter's Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and asset under supervision.
Pacesetter's Club membership is no guarantee of future performance.
Securities Agent: AL, AK, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NY, OH, OK, OR, PA, PR, RI, SC, SD, TN, TX, UT, VA, VI, VT, WA, WI, WV, WY, NV; General Securities Representative; Investment Advisor Representative
NMLS#: 1844970
NMLS#: 1844970
About Jenna Rutchik
Jenna started her career in the financial services industry in 2016 as a client service associate. She joined Morgan Stanley in 2019 as a Financial Advisor. She focuses on goals-based financial planning for high-net-worth individuals.
Jenna received her Bachelor of Arts from the University at Buffalo. She currently holds her Series 7 and 66 Licenses.
In her free time, Jenna enjoys travelling and spending time with family and friends. She currently resides on the Upper West Side of New York City with her husband, Randy. They have a 1 year old daughter, Sloane, and a newborn daughter, Noa.
Jenna received her Bachelor of Arts from the University at Buffalo. She currently holds her Series 7 and 66 Licenses.
In her free time, Jenna enjoys travelling and spending time with family and friends. She currently resides on the Upper West Side of New York City with her husband, Randy. They have a 1 year old daughter, Sloane, and a newborn daughter, Noa.
Securities Agent: TN, AZ, CA, CO, CT, DC, FL, GA, HI, AK, AL, AR, DE, IA, ID, IN, KS, LA, MD, ME, MO, MS, MT, ND, NM, NV, OK, PR, RI, SD, UT, VI, VT, WI, WV, WY, IL, KY, MA, MI, MN, NC, NE, NH, NJ, NY, OH, OR, PA, SC, TX, VA, WA; General Securities Representative; Investment Advisor Representative
NMLS#: 2056739
NMLS#: 2056739
About Jesse Blouin
Jesse is a Financial Advisor and member of The Genesis Group at Morgan Stanley. His central concentration is overseeing the day-to-day operations of the team and clients’ accounts to ensure the quality of our field services. He is passionate about helping clients clarify their financial goals, and ensuring the appropriate financial planning and investment strategies are in place. He provides personalized and tailored wealth management solutions to ultra-high net worth families and individuals.
Jesse was also named to Morgan Stanley's prestigious 2024 Pacesetter's Club, a group of the Firm's successful Financial Advisors acknowledging the dedication he has to clients while providing a wide range of services.
Prior to joining Morgan Stanley, Jesse worked as senior sales associate for Hermes of Manhasset NY. He is a graduate of Hofstra University where we received his B.B.A in Finance. In his free time, Jesse is an avid golfer and pickleball player.
*Morgan Stanley Wealth Management Pacesetter's Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and asset under supervision.
Pacesetter's Club membership is no guarantee of future performance.
Jesse was also named to Morgan Stanley's prestigious 2024 Pacesetter's Club, a group of the Firm's successful Financial Advisors acknowledging the dedication he has to clients while providing a wide range of services.
Prior to joining Morgan Stanley, Jesse worked as senior sales associate for Hermes of Manhasset NY. He is a graduate of Hofstra University where we received his B.B.A in Finance. In his free time, Jesse is an avid golfer and pickleball player.
*Morgan Stanley Wealth Management Pacesetter's Club members must meet a number of criteria including performance, conduct and compliance standards, revenue, length of experience and asset under supervision.
Pacesetter's Club membership is no guarantee of future performance.
Securities Agent: OK, UT, PA, NH, IL, CT, PR, NM, DE, AZ, MD, WY, TX, MA, IA, DC, RI, OH, LA, IN, HI, AR, AL, VA, MN, MI, WA, VT, NJ, GA, CO, CA, TN, SC, NY, FL, WI, NV, NC, KY, KS, ID; General Securities Representative; Investment Advisor Representative
NMLS#: 2580238
NMLS#: 2580238
About Kate McLam
Kathryn McLam is a Client Service Associate with The Genesis Group at Morgan Stanley.
Kate has become a vital member of team since joining in 2024. She works closely with clients in the overall management of account administration, special projects, and complex administrative, operational, and technical issues that often involve sophisticated techniques and business structures.
Kate is a recent graduate of Franklin & Marshall College where she was twice named to the Centennial Conference Academic Honor Roll as well as being a key part of the Women’s Championship Lacrosse Team.
Kate has become a vital member of team since joining in 2024. She works closely with clients in the overall management of account administration, special projects, and complex administrative, operational, and technical issues that often involve sophisticated techniques and business structures.
Kate is a recent graduate of Franklin & Marshall College where she was twice named to the Centennial Conference Academic Honor Roll as well as being a key part of the Women’s Championship Lacrosse Team.
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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
Dana Jordan
Private Banker
Breno Vilete
Associate Private Banker
Andrew Bertalli, CFP®
Financial Planning Director, Vice President
About Dana Jordan
Dana Jordan is a Private Banker serving Morgan Stanley Wealth Management offices in New York.
Private Bankers partner with 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.
Dana began her career in financial services in 2017 when she joined Morgan Stanley as a Lending Analyst in Private Banking Operations. She most recently returned to the firm in 2022. Prior to joining the firm, she was a Mortgage Professional at JP Morgan Private Bank.
Dana is a graduate of Loyola University Maryland, where she received a Bachelor of Business Administration in Finance. She lives in Long Island, New York. Outside of the office, Dana donates her time to the American Legion Auxiliary Unit 1006. She is a Senior Gold Medalist and USFSA (U.S. Figure Skating Association) member, and enjoys partaking in CrossFit.
Private Bankers partner with 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.
Dana began her career in financial services in 2017 when she joined Morgan Stanley as a Lending Analyst in Private Banking Operations. She most recently returned to the firm in 2022. Prior to joining the firm, she was a Mortgage Professional at JP Morgan Private Bank.
Dana is a graduate of Loyola University Maryland, where she received a Bachelor of Business Administration in Finance. She lives in Long Island, New York. Outside of the office, Dana donates her time to the American Legion Auxiliary Unit 1006. She is a Senior Gold Medalist and USFSA (U.S. Figure Skating Association) member, and enjoys partaking in CrossFit.
NMLS#: 1974422
About Breno Vilete
Breno Vilete is an Associate Private Banker serving Morgan Stanley Wealth Management offices in New York.
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.
Breno began his career in financial services in 2011, and joined Morgan Stanley in 2022 as an Associate Private Banker. Prior to joining the firm, he was a Senior Relationship Banker at Santander Bank. He also served as a Wealth Strategy Associate at UBS.
Breno is a graduate of the Kean University, where he received a Bachelor of Science in Finance. He lives in Wantagh, New York. Outside of the office, Breno enjoys riding his peloton, working out, and watching movies.
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.
Breno began his career in financial services in 2011, and joined Morgan Stanley in 2022 as an Associate Private Banker. Prior to joining the firm, he was a Senior Relationship Banker at Santander Bank. He also served as a Wealth Strategy Associate at UBS.
Breno is a graduate of the Kean University, where he received a Bachelor of Science in Finance. He lives in Wantagh, New York. Outside of the office, Breno enjoys riding his peloton, working out, and watching movies.
NMLS#: 910208
About Andrew Bertalli
Andrew Bertalli is a Vice President and Financial Planning Director serving Morgan Stanley’s Wealth Management offices in Eastern Long Island, NY. He is responsible for helping Financial Advisors with their clients' and prospects' financial planning needs.
Andrew began his career in financial services in 2000 and joined Morgan Stanley in 2022. Prior to his current position, Andrew served high-net-worth clients for over 17 years. Andrew also has worked at Charles Schwab, USAA, and TIAA.
Andrew Bertalli graduated from Saint Francis College and has a Bachelor of Science in Business. Andrew holds his Certified Financial Planner® designation. Andrew lives on Long Island with his wife and children. Outside of work, Andrew likes to keep fit and spend time with his family. Andrew holds a private pilot license and served in the US Navy.
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://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
Andrew began his career in financial services in 2000 and joined Morgan Stanley in 2022. Prior to his current position, Andrew served high-net-worth clients for over 17 years. Andrew also has worked at Charles Schwab, USAA, and TIAA.
Andrew Bertalli graduated from Saint Francis College and has a Bachelor of Science in Business. Andrew holds his Certified Financial Planner® designation. Andrew lives on Long Island with his wife and children. Outside of work, Andrew likes to keep fit and spend time with his family. Andrew holds a private pilot license and served in the US Navy.
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://www.morganstanleyindividual.com or consult with your Financial Advisor to understand these differences.
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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
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- Annuities
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Working closely with you to guide your wealth and investments through the most challenging market cycles.
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Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
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- Long Term Care Insurance
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Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
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Financial Planning for Life After Selling a Business
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Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
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Donor Advised Funds: A Smart Way to Manage Your Giving
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Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
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- Set themselves apart by offering comprehensive financial wellness benefits.
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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.
2Alternative 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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
5Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
8Morgan 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.
9Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
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
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
14When 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.
15An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
16Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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.
2Alternative 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.
3Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
5Structured Investments are complex and not appropriate for all investors. An investment in structured investments involves risks. These risks can include but are not limited to: fluctuations in the price, level or yield of underlying asset(s), interest rates, currency values and credit quality, substantial loss of principal, limits on participation in appreciation of underlying asset(s), limited liquidity, credit risk, and/or conflicts of interest. Many structured investments do not pay interest or guarantee a return above principal at maturity. Investors should read the security’s offering documentation prior to making an investment decision.
6Fixed Income investing entails credit risks and interest rate risks. When interest rates rise, bond prices generally fall.
7Municipal bonds may not be appropriate for all investors. Income generated from an investment in a municipal bond is generally exempt from federal income taxes. Some income may be subject to state and local taxes and to the federal alternative minimum tax. Capital gains, if any, are subject to tax.
Morgan Stanley Smith Barney LLC (“Morgan Stanley”) and its Financial Advisors and Private Wealth Advisors do not provide any tax/legal advice. Consult your own tax/legal advisor before making any tax or legal-related investment decisions.
8Morgan 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.
9Participating in a new issue/syndicate is subject to availability. IPOs are highly speculative and may not be appropriate for all investors because they lack a stock-trading history and usually involve smaller and newer companies that tend to have limited operating histories, less-experienced management teams, and fewer products or customers. Also, the offering price of an IPO reflects a negotiated estimate as to the value of the company, which may bear little relationship to the trading price of the securities, and it is not uncommon for the closing price of the shares shortly after the IPO to be well above or below the offering price.
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
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
12Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
13Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
14When 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.
15An investment in an exchange-traded fund (ETF) involves risks similar to those of investing in a broadly based portfolio of equity securities traded on exchange in the relevant securities market, such as market fluctuations caused by such factors as economic and political developments, changes in interest rates and perceived trends in stock prices. The investment return and principal value of ETF investments will fluctuate, so that an investor’s ETF shares, if or when sold, may be worth more or less than the original cost.
Investors should carefully consider the investment objectives, risks, charges and expenses of an exchange-traded fund (ETF) before investing. The prospectus contains this and other information about the ETF. To obtain a prospectus, contact your Financial Advisor or visit the ETF company’s website. Please read the prospectus carefully before investing.
16Investors should consider many factors before deciding which 529 plan is appropriate. Some of these factors include: the Plan’s investment options and the historical investment performance of these options, the Plan’s flexibility and features, the reputation and expertise of the Plan’s investment manager, Plan contribution limits and the federal and state tax benefits associated with an investment in the Plan. Some states, for example, offer favorable tax treatment and other benefits to their residents only if they invest in the state’s own Qualified Tuition Program. Investors should determine their home state’s tax treatment of 529 plans when considering whether to choose an in-state or out-of-state plan. Investors should consult with their tax or legal advisor before investing in any 529 Plan or contact their state tax division for more information. Morgan Stanley Smith Barney LLC does not provide tax and/or legal advice. Investors should review a Program Disclosure Statement, which contains more information on investment options, risk factors, fees and expenses and possible tax consequences.
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)
