Mark Giovanazzi, CRPC®, QPFC
First Vice President, Financial Advisor
Phone:
(708) 226-5419(708) 226-5419
The Gio Group at Morgan Stanley
Direct:
(708) 226-5419(708) 226-5419
Toll-Free:
(800) 323-1340(800) 323-1340
Our Mission Statement
Excellence in helping clients like you with your personalized investment and financial strategies.
About Us
We believe that every family that works with The Gio Group at Morgan Stanley deserves a comprehensive wealth management experience that includes:
- A Financial Plan that is updated and monitored on a regular basis.
- A thorough risk assesment to determine your comfort level and investment allocation.
- Access to industry-leading technology and tools that empower you to understand your financial picture.
Once we have a complete understanding of you and your family's goals, we'll design an investment portfolio to help you achieve them. Our team will review your insurance policies, estate plan, any liabilities and expenses and evaluate any potential factors that don't align with your needs. We'll cover your charitable giving objectives, family governance and business needs and determine if we can add value to any and all aspects of your financial life. Once we have a plan and an investment strategy in place, our team will monitor progress towards your financial goals and discuss how we can adjust as you and your family reaches major life milestones. Our team's experience in various fields within finance and the business landscape provides us with a unique perspective when solving the even the most complex financial roadblocks. Reach out to us by clicking the Contact Us link at the top of this page - we look forward to helping you reach your financial objectives.
Services Include
- Wealth PlanningFootnote1
- Retirement PlanningFootnote2
- Planning for Education FundingFootnote3
- 401(k) Rollovers
- Life InsuranceFootnote4
- Long-term Care InsuranceFootnote5
- Cash Management and Lending ProductsFootnote6
- Professional Portfolio ManagementFootnote7
- Estate Planning StrategiesFootnote8
- Divorce Financial AnalysisFootnote9
- Corporate Retirement PlansFootnote10
- Business Succession PlanningFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
- Gulio: 7 year winner (2018-2024)
- Mark: 13 year winner (2012-2024)
Chartered Retirement Planning Counselor (CRPC®) - Mark Giovanazzi
This designation is awarded to financial advisors who have completed specialized training in retirement planning. The CRPC® equips advisors with the knowledge to help clients navigate retirement savings, income strategies, and wealth transfer.
Qualified Plan Financial Consultant (QPFC) - Gulio Giometti, Mark Giovanazzi
The QPFC designation is awarded by the National Association of Plan Advisors to those who demonstrate advanced expertise in retirement plan consulting. It equips advisors to help businesses optimize retirement plans while ensuring regulatory compliance and supporting employees in achieving their goals.
Five Star Wealth Manager
The Five Star Wealth Manager award is given to financial professionals who have demonstrated exceptional service, expertise, and client satisfaction. This honor highlights those who go above and beyond in helping clients achieve their financial goals.
2012-2024 Five Star Wealth Manager Award
Source: fivestarprofessional.com (Awarded 2012-2024) These awards were determined through an evaluation process conducted by Five Star Professional, based on objective criteria, during the following periods:
2012 Award - 2/4/11 - 8/3/11
2013 Award - 2/4/12 - 8/3/24
2014 Award - 2/4/13 - 8/3/24
2015 Award - 2/4/15 - 8/3/15
2016 Award - 2/26/16 - 8/19/16
2017 Award - 12/16/16 - 8/3/17
2018 Award - 1/12/18 - 8/17/18
2019 Award - 1/7/19 - 8/9/19
2020 Award - 1/6/20 - 8/7/20
2021 Award - 12/28/20 - 8/6/21
2022 Award - 1/24/22 - 7/29/22
2023 Award - 1/9/23 - 7/31/23
2024 Award - 1/9/24 - 8/9/24
Morgan Stanley Pacesetters Club - 2015
Our Process
Providing tailored and personalized service is truly a hallmark of the Gio Group. We realize that there are many, sometimes confusing options available when it comes to wealth management and is one of the reasons why the Gio Group was established. With that in mind, we will apply our carefully crafted, standard of care model which includes working with our wealth planning specialist to bring focus to your individualized goals through, creation and subsequent updating of a comprehensive financial plan for all assets under management.
Step 1 - Assess
We take time to thoroughly understand your current financial situation, goals, and challenges. Together, we'll gather comprehensive information on your assets, liabilities, income, and expenses. We also consider your long-term objectives.
Step 2 - Design
Based on our assessment, we develop a tailored financial plan that considers all of your unique needs and goals. We analyze your current financial data to identify any gaps or opportunities.
Step 3 - Implement
Here is where put your tailored plan into action. We will pool the vast resources of Morgan Stanley as well as our professionals experiences to execute a strategy designed to meet and exceed your goals.
Step 4 - Service
Providing tailored and personalized service is truly a hallmark of the Gio Group. Our standard of care model further includes a periodic review of all plans to mirror changes in your life, monitor performance consistent with established goals and modify stated goals and investments as needed.
Modern Wealth Tools
Morgan Stanley's Modern Wealth Tools offer a comprehensive suite of digital solutions designed to help clients manage and grow their wealth. They enable clients to track their financial goals, analyze portfolios, and recieve tailored advice, ensuring a streamlined and sophisticated wealth management approach. Keep reading to learn more about these tools, as well as some recent distributions from our team.
Quarterly Newsletter
Click the link below to read our most recent newsletter, sent to our clients every quarter.
Team Events
Click the link below to view information about our most recent client event. Check back here soon for information about our next client event, planned for the new year.
Morgan Stanley Online
Morgan Stanley Online and our mobile app let you manage all your investments and everyday finances in one place. You can make trades and transfers, store documents, and track your spending, all at the push of a button.
Total Wealth View
View all of your assets, including those not held with Morgan Stanley, in one place. Total Wealth View gives you and our team a comprehensive look at your full financial picture. Simply link your accounts in Morgan Stanley Online to get started.
Morgan Stanley at Work
Morgan Stanley at Work provides workplace financial benefits that build financial confidence and foster loyalty—helping companies attract and retain top talent. Each benefit solution includes our engaging Financial Wellness program.
Total Tax 365
Taxes can be the biggest drag on your portfolio, but they can also be the easiest drag to reduce. Total Tax 365 has a full spectrum of tax-efficient solutions to help you increase portfolio returns and achieve your goals faster.
Reserved Living & Giving
Reserved Living & Giving is a tiered complimentary perks program that rewards Morgan Stanley's eligible clients. Members enjoy access to offers and discounts from over 100 popular brands, and there's no cost to join. Join over 300,000 members who saved thousands on cars, travel and luxury retail brands.
Community Involvement
Lincolnway Foundation for Educational Excellence; District 210. Previous Board Member.
Nazareth Farm West Virginia; Volunteer, Donor and Supporter
Marist High School; Donor and Supporter
University of Illinois Champaign Urbana; Donor and Supporter
Otis Wilson Charitable Association
Archdiocese of Chicago Metropolitan Tribunal; Field Advocate
Nazareth Farm West Virginia; Volunteer, Donor and Supporter
Marist High School; Donor and Supporter
University of Illinois Champaign Urbana; Donor and Supporter
Otis Wilson Charitable Association
Archdiocese of Chicago Metropolitan Tribunal; Field Advocate
Location
15341 S. 94th Ave
Ste 200
Orland Park, IL 60462
US
Direct:
(708) 226-5419(708) 226-5419
Toll-Free:
(800) 323-1340(800) 323-1340
Meet The Gio Group
Gulio Giometti, QPFC
Vice President, Financial Advisor, Financial Planning Specialist
Phone:
(708) 226-5437(708) 226-5437
Yvette Kendall
Registered Client Service Associate
Phone:
(708) 226-5499(708) 226-5499
About Mark Giovanazzi
In tandem with the dynamic world of finance, Mark has embraced and thrived in the industry for well over thirty years. Mark’s extensive experience includes nearly two decades in various roles as an institutional financial manager and trader on Wall St. as well as Chicago. His past experience and keen understanding of markets along with skilled management of high-net worth client assets provides a unique skill set and perspective for the benefit of his clients. Coupled with Mark’s passion to help others, it is no surprise that he has built a successful practice that is focused on helping clients achieve their goals.
Mark is committed to an ongoing process that provides his clients with an exceptional service model that focuses on detailed assessments of their financial needs through a highly detailed planning process through ongoing management assuring his clients, no matter what level of assets which are entrusted to him; all clients will receive exemplary service.
To help Mark scale his business, he and his business partner Gulio Giometti founded the Gio Group at Morgan Stanley with a fundamental model of working closely with their clients on a consultative basis to help them achieve their current and future financial goals.
Mark holds a B.S. in Finance from DePaul University in Chicago as well as holds the designation of Chartered Retirement Planning Counselor (CRPC).
In 2017, Mark successfully completed a 500 mile religious pilgrimage referred to as the Camino de Santiago Frances.
On a more personal note, Mark and his wife Gayle reside in the southwestern suburbs of Chicago. He and Gayle have been married for over 37 years and have three adult children. Mark is also a very active member of the St. Jude Catholic Church in New Lenox and serves as an Extraordinary Minister at the same. He enjoys running, gardening, auto racing, cooking and culinary delights.
NMLS# 1312595
Mark is committed to an ongoing process that provides his clients with an exceptional service model that focuses on detailed assessments of their financial needs through a highly detailed planning process through ongoing management assuring his clients, no matter what level of assets which are entrusted to him; all clients will receive exemplary service.
To help Mark scale his business, he and his business partner Gulio Giometti founded the Gio Group at Morgan Stanley with a fundamental model of working closely with their clients on a consultative basis to help them achieve their current and future financial goals.
Mark holds a B.S. in Finance from DePaul University in Chicago as well as holds the designation of Chartered Retirement Planning Counselor (CRPC).
In 2017, Mark successfully completed a 500 mile religious pilgrimage referred to as the Camino de Santiago Frances.
On a more personal note, Mark and his wife Gayle reside in the southwestern suburbs of Chicago. He and Gayle have been married for over 37 years and have three adult children. Mark is also a very active member of the St. Jude Catholic Church in New Lenox and serves as an Extraordinary Minister at the same. He enjoys running, gardening, auto racing, cooking and culinary delights.
NMLS# 1312595
Securities Agent: MI, AL, AR, AZ, CA, CO, FL, GA, IL, IN, KY, MA, MD, NC, NJ, NV, NY, OH, OR, PA, SD, TN, TX, WA, WI, VA; General Securities Representative; Investment Advisor Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 1312595
NMLS#: 1312595
About Gulio Giometti
With over 35 years of business management experience, Gulio offers his clients a distinctive combination of pragmatic business and financial management while also applying his passion for helping others achieve their goals.
In his professional career Gulio has led, managed as well as owned several diverse businesses globally which have allowed him to personally experience and practice the value of prudent financial management as well as other facets of business and life.
Years ago Gulio decided that Morgan Stanley would be the right fit for him to apply his global experiences to the financial services industry and subsequently has helped many clients by utilizing the firm’s vast knowledge and resource base.
More recently, Gulio and his business partner Mark Giovanazzi founded The Gio Group at Morgan Stanley. This team is focused on an enhanced, in-depth consultative approach to wealth management to help their clients achieve current and future financial goals.
Although helping his clients navigate their financial goals is his primary professional focus, Gulio also has helped provide financial literacy programs to children and young adults in the Chicago area through charitable organizations. Additionally, he has served as a Field Advocate for the Metropolitan Tribunal of the Archdiocese of Chicago.
Gulio’s formal education includes attending DePaul University where he majored in International Business Development.
On a personal note, Gulio strives to lead a balanced life and enjoys travelling, motorcycling, cooking and golfing. He and his wife Barbara and have been married for over 30 years and they have one daughter, Rachel who is working on her MBA and has embarked on her own life’s journey. Gulio and his family live in the suburbs of Chicago along with Rocco, their Boston Terrier.
NMLS: #1253276
CRC: 1956785
In his professional career Gulio has led, managed as well as owned several diverse businesses globally which have allowed him to personally experience and practice the value of prudent financial management as well as other facets of business and life.
Years ago Gulio decided that Morgan Stanley would be the right fit for him to apply his global experiences to the financial services industry and subsequently has helped many clients by utilizing the firm’s vast knowledge and resource base.
More recently, Gulio and his business partner Mark Giovanazzi founded The Gio Group at Morgan Stanley. This team is focused on an enhanced, in-depth consultative approach to wealth management to help their clients achieve current and future financial goals.
Although helping his clients navigate their financial goals is his primary professional focus, Gulio also has helped provide financial literacy programs to children and young adults in the Chicago area through charitable organizations. Additionally, he has served as a Field Advocate for the Metropolitan Tribunal of the Archdiocese of Chicago.
Gulio’s formal education includes attending DePaul University where he majored in International Business Development.
On a personal note, Gulio strives to lead a balanced life and enjoys travelling, motorcycling, cooking and golfing. He and his wife Barbara and have been married for over 30 years and they have one daughter, Rachel who is working on her MBA and has embarked on her own life’s journey. Gulio and his family live in the suburbs of Chicago along with Rocco, their Boston Terrier.
NMLS: #1253276
CRC: 1956785
Securities Agent: AZ, AL, AR, CA, CO, FL, GA, IL, IN, KY, MA, MD, MI, NC, NJ, NV, NY, OH, OR, PA, SD, TN, TX, WA, WI, VA; General Securities Representative; Investment Advisor Representative
NMLS#: 1253276
CA Insurance License #: 0126338
NMLS#: 1253276
CA Insurance License #: 0126338
About Yvette Kendall
Yvette Kendall is a Registered Client Service Associate with the Gio Group who has over two decades of financial industry experience in Banking, Investments, Trusts, Operations, & Private Wealth Management. Yvette holds a Bachelor’s and Master's degree from DePaul University. She currently resides in South Suburbs. Yvette enjoys being a lifelong learner, spending time with her family and friends, traveling, and trying new restaurants.
Contact Mark Giovanazzi
Contact Gulio Giometti
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
Jordan Hoerter
Private Banker
Robert Tholl, CIMA®
Senior Vice President, Financial Advisor, Senior Portfolio Management Director, Senior Investment Management Consultant
Jerry Pearson
Senior Vice President, Financial Advisor, Senior Portfolio Management Director
Andrew Ghimpeteanu
Planning Associate
About Jordan Hoerter
Jordan Hoerter is a Private Banker serving Morgan Stanley Wealth Management offices in Illinois.
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.
Jordan began his career in financial services in 2010 and joined Morgan Stanley in 2019. Prior to joining the firm, he was Vice President, Private Banker at Associated Bank.
Jordan is a graduate of the University of Wisconsin Stevens Point where he received a Bachelor of Science in Business Administration and Marketing. He lives in Chicago, Illinois.. Jordan donates his time with United Way, Emerging Leaders, Blessings in a Backpack and Junior Achievement.
When not in the office, Jordan enjoys running, snowboarding, traveling and spending time with his family.
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.
Jordan began his career in financial services in 2010 and joined Morgan Stanley in 2019. Prior to joining the firm, he was Vice President, Private Banker at Associated Bank.
Jordan is a graduate of the University of Wisconsin Stevens Point where he received a Bachelor of Science in Business Administration and Marketing. He lives in Chicago, Illinois.. Jordan donates his time with United Way, Emerging Leaders, Blessings in a Backpack and Junior Achievement.
When not in the office, Jordan enjoys running, snowboarding, traveling and spending time with his family.
NMLS#: 1445073
About Andrew Ghimpeteanu
Andrew Ghimpeteanu is a Planning Associate at Morgan Stanley providing dedicated financial planning support to Financial Advisors and their teams. Operating as an extension of the FA/Team, he collaborates with clients to discover and define goals that matter most to them. Leveraging state of the art technology, he will evaluate various options and their potential outcomes to help clients confidently choose the appropriate course of action. Andrew provides expertise across a wide suite of Morgan Stanley planning tools designed to assist in the areas of investment accumulation, retirement, education, major purchase, cash flow, risk management, tax efficiency, and wealth transfer planning.
He earned his undergraduate degree from Bentley University and received the Financial Planning Specialist® designation from the College for Financial Planning. Andrew is originally from Atlanta, GA and currently resides in Alpharetta, GA.
He earned his undergraduate degree from Bentley University and received the Financial Planning Specialist® designation from the College for Financial Planning. Andrew is originally from Atlanta, GA and currently resides in Alpharetta, GA.
Morgan Stanley Wealth Management Financial Advisers can conduct their business in several ways: individually, as a member of a team of Financial Advisors, or through the formation of a Strategic Partnership with another Financial Advisor or team of Financial Advisors. A Strategic Partnership is an arrangement between a Financial Advisor or a team of Financial Advisors with another Financial Advisor or team of Financial Advisors that has a unique focus or knowledge regarding a specific business concentration, product area, and/or client type. If your account is with an individual Financial Advisor, that Financial Advisor services all facets of your account. If your account is with a Financial Advisor who is a member of a team, any Financial Advisor on the team can service your account. If your Financial Advisor is part of a Strategic Partnership, his or her role in that Strategic Partnership may be limited to a specific business and/or product area and may not cover all facets of your account. The use of the terms “Partner” or “Strategic Partner” and/or “Partnership” or “Strategic Partnership” are used as terms of art and not used to imply or connote any legal relationship.
Wealth Management
From Our Team
LifeView® Goal Analysis Client Questionnaire
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Are You Prepared for Tax Day?
Article Image
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
Article Image
Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
Article Image
Ready to start a conversation? Contact The Gio Group today.
1Morgan 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.
2When 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan 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
7Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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.
9Morgan 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.
10When 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.
11Morgan 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.
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
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.
2When 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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should always check with their tax or legal advisor before engaging in any transaction involving 529 Plans, Education Savings Accounts and other tax-advantaged investments.
4Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
5Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
6Morgan 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
7Morgan Stanley’s investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be appropriate for you. Please see the Morgan Stanley Smith Barney LLC program disclosure brochure (the “Morgan Stanley ADV”) for more information in the investment advisory programs available. The Morgan Stanley ADV is available at www.morganstanley.com/ADV.
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.
9Morgan 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.
10When 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.
11Morgan 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.
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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.
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The use of the CDFA designation does not permit the rendering of legal advice by Morgan Stanley or its Financial Advisors which may only be done by a licensed attorney. The CDFA designation is not intended to imply that either Morgan Stanley or its Financial Advisors are acting as experts in this field.
Awards Disclosures
CRC 6491812 (04/2024), 3582895 (6/2024)
