Pamela S Shumway
Senior Vice President, Financial Advisor, Financial Planning Specialist
Phone:
(716) 375-8231(716) 375-8231
The Golden Oak Group at Morgan Stanley
Direct:
(716) 375-8231(716) 375-8231
Our Mission Statement
By creating a comprehensive financial plan, we help you navigate the journey of life to achieve your personal and professional goals.
Our Story and Services
At The Golden Oak Group, we focus on what is most important to you, your family and your financial future. Together, we guide you in making more informed and confident decisions about your wealth now . . . and for the years to come.
Above all, we are committed to helping you navigate the journey of life through the delivery of five essential attributes:
• Deep knowledge and experience
• A team approach for managing wealth
• Your first phone call for anything financial
• A conservative long-term focus
• Longstanding and caring relationships
As a tightly knit advisory team, we have a long history of working with professionals, business owners and families of significant wealth. Over the years, we have cultivated the skills, strategies and solutions required to serve as your single point of contact for nearly all your family wealth needs. We receive great satisfaction knowing we are making a significant impact on the quality of our clients’ lives and often become one of the most important relationships to their families.
We are proud of the highest standard of care we have been providing our clients for years and welcome the opportunity to deliver this same level of excellence to you and your family.
We look forward to speaking with you soon.
Above all, we are committed to helping you navigate the journey of life through the delivery of five essential attributes:
• Deep knowledge and experience
• A team approach for managing wealth
• Your first phone call for anything financial
• A conservative long-term focus
• Longstanding and caring relationships
As a tightly knit advisory team, we have a long history of working with professionals, business owners and families of significant wealth. Over the years, we have cultivated the skills, strategies and solutions required to serve as your single point of contact for nearly all your family wealth needs. We receive great satisfaction knowing we are making a significant impact on the quality of our clients’ lives and often become one of the most important relationships to their families.
We are proud of the highest standard of care we have been providing our clients for years and welcome the opportunity to deliver this same level of excellence to you and your family.
We look forward to speaking with you soon.
Services Include
- Financial PlanningFootnote1
- Estate Planning StrategiesFootnote2
- Cash Management and Lending ProductsFootnote3
- Asset Management
- 401(k) Rollovers
- Alternative InvestmentsFootnote4
- Business Succession PlanningFootnote5
- Trust AccountsFootnote6
- Endowments and FoundationsFootnote7
- Sustainable InvestingFootnote8
- Planning for Education FundingFootnote9
- AnnuitiesFootnote10
- Life InsuranceFootnote11
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Creating Your Financial Roadmap
Our disciplined process focuses on you, your family and your future. Working together, we’ll develop a financial roadmap, navigating life’s challenges and helping you make more informed decisions about your money.
1 - Introduction
We begin with a conversation to understand your concerns and determine how we can add value. Since not every advisor is a good match for every client, we introduce you to our process and share our fee structure. If we all agree to move forward, we schedule our next meeting and request important financial information.
2 - Getting to Know You
We continue the dialogue we started, learning about the values that shape your decisions and identifying any unique circumstances around your wealth. We review the documents you prepared and begin to define your priorities and timelines.
3 - Analysis & Plan Development
Here, we utilize industry-leading financial planning tools to develop a personalized and detailed financial plan with specific recommendations to help you grow, preserve and transfer your wealth. This serves as the foundation for building your initial plan, as well as future wealth management decisions.
4 - Plan Presentation
In this step, we present your financial plan, which includes an investment portfolio that aligns your investments with your goals, your timeframe and your risk level. We also discuss other wealth management solutions that may include risk management techniques and estate planning strategies.
5 - Implementation
Upon your approval of our recommendations, we begin to implement the strategies outlined in the plan. Once assets have been transferred to Morgan Stanley and are aligned with your investment strategy, we walk you through the details of your new statement and introduce all of the tools and resources now available to you.
6 - Ongoing Services & Care
Committed to a first-class experience, we focus on developing longstanding relationships that provide special value to you and your family. We speak with you regularly to provide updates on your accounts. We also monitor progress towards each of your goals, adjusting your financial plan accordingly as changes in your life occur.
Personalized Solutions
As your wealth grows, so does its complexities and the resources needed to manage it effectively. We leverage our experience and relationships to deliver innovative strategies that are tailored to your needs. We look forward to speaking with you to understand your challenges, so together we can map out a game plan to achieve your goals.
Financial Planning
Financial planning brings all the dimensions of your life together. We listen carefully to understand the connections across your personal life, your family, your career and your legacy goals to develop an integrated strategy that is uniquely yours.
Estate Planning Strategies & Trust Accounts
Delivering an estate to the next generation or favorite charity requires more attention than families often realize. We coordinate with your estate and tax professionals to align your legacy goals with the appropriate asset titling and beneficiary designation requirements. We also have significant experience setting up and managing trust accounts.
Cash Management
Creating adequate cash flow and securing liquidity are the day-to-day aspects of implementing a financial strategy. We help you meet your personal cash management and borrowing needs, while thinking strategically about how specific approaches may affect current and long-term costs and taxes.
Asset & Portfolio Management
Managing your assets should be a consultative, disciplined process, that balances your attitudes about investing with careful analysis of the financial markets. Working together, we create a customized strategy that applies long-held investment principles to help your assets appreciate appropriately or generate cash-flow or income as you require.
Retirement Planning & 401(k) Rollovers
Retirement Planning & 401(k) Rollovers
One of our key areas of focus is helping you enjoy retirement without worry or concern. From IRAs and 401(k)s rollovers to RMDs, we manage the complexities of your retirement assets, helping you transition to the next phase of your life with confidence.
One of our key areas of focus is helping you enjoy retirement without worry or concern. From IRAs and 401(k)s rollovers to RMDs, we manage the complexities of your retirement assets, helping you transition to the next phase of your life with confidence.
Alternative Investments, ETFs & Annuities
Morgan Stanley’s global network affords us the ability to offer suitable clients a wide array of alternative investments, exchange-traded funds (ETFs) and fixed and variable annuities. Our recommendations are based on your own goals and your tolerance for investment risk.
Business Succession Planning
Owning a business represent years of hard work and entrepreneurial savvy. Yet, even the most astute business owners are often unfamiliar with the complexities that go into a successful succession strategy. We understand your goals in the context of your overall financial picture. We also work closely with your other financial advisors to help ensure your priorities are reflected in your succession strategy.
Investor Resources
If you're looking for educational pieces on investing, planning, and more, you've come to the right place.
What Rules Apply to Inherited IRAs?
Inheriting an individual retirement account (IRA), whether it's traditional or a Roth, can raise a lot of questions. You may be the beneficiary of an IRA owner who is deceased and wonder how to access your benefits, or you may be an IRA owner yourself and want to know what distribution options will be available to your beneficiaries. In either event, there are a number of rules that govern the process.
IRA Beneficiaries Guide
Saving for Retirement
It’s important to determine how much money you may need to save for a comfortable retirement. Here are three strategies that can help you optimize your 401(k) plan.
Are You Prepared for Retired Life?
Healthcare
Health care costs are rising—especially for retirees, and some may need long-term care. Learn the moves you can make to help prepare yourself.
Planning for the Rising Costs of Health Care
Financial Literacy
Financial literacy means being equipped with the knowledge to make smart financial decisions during every stage of your life.
Make Financial Literacy a Family Affair
Social Security
Maximizing your Social Security retirement benefits can help you achieve other financial goals.
Social Security Benefits: It Can Pay to Wait
Education Planning
They're tax friendly, flexible and available to anyone. Yet, 529 education savings plans are still underused. Here are five things that parents, grandparents and anyone hoping to get a leg up on college costs need to know.
Education Planning Center: 529 Plans and MoreManaging Your Money in the 21st Century
We offer a comprehensive suite of tools to manage your wealth more effectively in today’s busy world. We are happy to assist you in signing up for any of these services.
Morgan Stanley Online (MSO)
When you sign up for MSO, you can conveniently and securely manage your account online or on your mobile device.
To learn more, click here
Zoom Calls
Given today’s complexities, we make it easy to do face-to-face meetings from the comfort of your own home, utilizing the Zoom platform.
Morgan Stanley Mobile App
The Morgan Stanley Mobile App gives you the same capabilities as Morgan Stanley Online – all from the convenience of your own phone. It also offers features to simplify your everyday finances. These include mobile check deposit and Send Money with Zelle, a convenient way to send and receive money.
To sign up, log into MSO
E-Authorization
With E-Authorization, you no longer need to sign a paper Letter of Authorization (LOA) to authorize a wire transfer request.
To learn more, click here
E-Sign
E-Sign is a digital, paperless alternative to the traditional means of obtaining signatures for necessary paperwork. There is no registration process to begin using E-Sign – all you need is a valid email address and phone number.
To learn how to sign up, click here
E-Delivery
E-Delivery allows you to securely save, print, send and receive documents at any time from both Morgan Stanley Online and the Morgan Stanley Mobile App.
To learn more, click here
Digital Vault
The Digital Vault allows you to build a centralized library for all your documents using encryption.
To learn more, watch this video
Total Wealth View
With this service, you can view all your assets and liabilities together – whether held at Morgan Stanley or elsewhere – in one place for a comprehensive overview of your assets.
To learn more, click here
Goals Planning System (GPS)
GPS is our financial planning software. It helps define what you want out of life, so we can create a financial framework to bring these goals to fruition.
To learn more, watch this videoLocation
202 West State St.
Olean, NY 14760
US
Direct:
(716) 375-8231(716) 375-8231
Meet The Golden Oak Group
Michael E Nelkin
Associate Vice President, Financial Advisor, Portfolio Manager
Phone:
(716) 375-8231(716) 375-8231
Sonya C Hirt
Client Service Associate
Phone:
(716) 375-8231(716) 375-8231
Hallie S Lewandowski
Client Service Associate
Phone:
(716) 375-8231(716) 375-8231
About Pamela S Shumway
Pam is an experienced Financial Advisor and a founding partner of The Golden Oak Group at Morgan Stanley, a highly skilled wealth advisory team located in Olean, New York.
With an energetic and positive attitude, Pam helps empower clients to achieve new levels of financial success through a customized wealth management approach and a commitment to outstanding service. She enjoys educating clients while creating and executing an effective financial plan, which potentially allows them to reduce risk in their portfolio and make confident decisions about their wealth. For Pam, professional success is measured in terms of client well-being and goal achievement.
Always intrigued by the world of finance, Pam began her career as a Registered Associate at Key Investments in 1993. This experience combined her love of numbers with her love of helping others and inspired her to become a Financial Advisor. In 1998, she joined Morgan Stanley and has been an invaluable member of the firm ever since.
Pam believes balance is vital to a happy life. Outside of the office, her life centers on a love for her family. Pam and her husband, Lary, have been married since 1988 and find their most valued assets are their son, Loran, their daughter-in-law, Brooke, and their three grandchildren, Lilly, Maely and Axl. Pam is passionate about being active in her community and is the co-founder and co-president of Operation Warm Hearts, a charity that serves the children of the Community.
With an energetic and positive attitude, Pam helps empower clients to achieve new levels of financial success through a customized wealth management approach and a commitment to outstanding service. She enjoys educating clients while creating and executing an effective financial plan, which potentially allows them to reduce risk in their portfolio and make confident decisions about their wealth. For Pam, professional success is measured in terms of client well-being and goal achievement.
Always intrigued by the world of finance, Pam began her career as a Registered Associate at Key Investments in 1993. This experience combined her love of numbers with her love of helping others and inspired her to become a Financial Advisor. In 1998, she joined Morgan Stanley and has been an invaluable member of the firm ever since.
Pam believes balance is vital to a happy life. Outside of the office, her life centers on a love for her family. Pam and her husband, Lary, have been married since 1988 and find their most valued assets are their son, Loran, their daughter-in-law, Brooke, and their three grandchildren, Lilly, Maely and Axl. Pam is passionate about being active in her community and is the co-founder and co-president of Operation Warm Hearts, a charity that serves the children of the Community.
Securities Agent: SC, NM, MS, IL, CT, AZ, VA, UT, NH, DC, MN, MD, PA, NV, IN, FL, CO, CA, TN, RI, NY, WA, TX, ME, LA, IA, OH, NC, MI, MA, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 1290462
NMLS#: 1290462
About Michael E Nelkin
Mike is an experienced Financial Advisor and a founding partner of The Golden Oak Group at Morgan Stanley, a highly skilled wealth advisory team located in Rochester, New York.
With a thoughtful and steady approach, Mike works with his clients to help them understand their financial goals and dreams, and then delivers a plan and puts them on a path to achieve them. Working together, he employs strategies to minimize risk in their portfolio while still allowing them to leave their legacy. For Mike, professional success is measured by his clients’ understanding of where they want to be and how they can get there.
Mike has spent his entire 25-year career in the financial services industry, including 9 years at Merrill Lynch and the last 16 working with wealth management clients. He joined Morgan Stanley in October of 2019. Mike obtained his bachelor’s degree in Business Administration with a concentration in Financial Analysis from the University at Buffalo and later went back and completed his MBA in 2016.
Mike lives in Fairport, NY with his wife Andra. They have been married since 2004 and have 3 children; Benjamin, Matthew and Lilliana. Together, they enjoy hiking, camping, and what seems to be endless activities and sports that the kids are involved in.
With a thoughtful and steady approach, Mike works with his clients to help them understand their financial goals and dreams, and then delivers a plan and puts them on a path to achieve them. Working together, he employs strategies to minimize risk in their portfolio while still allowing them to leave their legacy. For Mike, professional success is measured by his clients’ understanding of where they want to be and how they can get there.
Mike has spent his entire 25-year career in the financial services industry, including 9 years at Merrill Lynch and the last 16 working with wealth management clients. He joined Morgan Stanley in October of 2019. Mike obtained his bachelor’s degree in Business Administration with a concentration in Financial Analysis from the University at Buffalo and later went back and completed his MBA in 2016.
Mike lives in Fairport, NY with his wife Andra. They have been married since 2004 and have 3 children; Benjamin, Matthew and Lilliana. Together, they enjoy hiking, camping, and what seems to be endless activities and sports that the kids are involved in.
Securities Agent: FL, IL, MD, MA, IN, AZ, UT, TX, NM, NC, CT, TN, NH, CA, NV, VA, SC, MI, LA, DC, AL, SD, CO, PA, OH, NY, MS, ME, WA, RI, MN, GA; General Securities Principal; General Securities Representative; Investment Advisor Representative
NMLS#: 642193
NMLS#: 642193
About Sonya C Hirt
As a Client Service Associate for the Golden Oak Group at Morgan Stanley, Sonya is often the first line of contact on a broad array of client services. She is committed to providing each client with caring and personalized attention. Sonya works closely with the financial advisors on the team in strategic planning, supporting the management of business opportunities, and works to implement strategies and best practices.
Her responsibilities include opening new accounts, money transfers and assisting clients with technical support for Morgan Stanley Online and other digital services. She enjoys building meaningful relationships with clients and receives great satisfaction knowing she is helping them simplify their finances and achieve their long-term financial goals.
Prior to joining Morgan Stanley, Sonya worked at Cutco Cutlery for 26 years in Olean. She is also a graduate from Empire State College, earning her degree in Business Management and Economics.
In her spare time, Sonya is an active volunteer with Operation Warm Hearts in the heart of Olean, New York. The foundation provides new clothing and needed accessories to children in the area to help alleviate the hardships their families face.
Her responsibilities include opening new accounts, money transfers and assisting clients with technical support for Morgan Stanley Online and other digital services. She enjoys building meaningful relationships with clients and receives great satisfaction knowing she is helping them simplify their finances and achieve their long-term financial goals.
Prior to joining Morgan Stanley, Sonya worked at Cutco Cutlery for 26 years in Olean. She is also a graduate from Empire State College, earning her degree in Business Management and Economics.
In her spare time, Sonya is an active volunteer with Operation Warm Hearts in the heart of Olean, New York. The foundation provides new clothing and needed accessories to children in the area to help alleviate the hardships their families face.
About Hallie S Lewandowski
Hallie Lewandowski brings a strong background in customer service, with a passion for delivering exceptional client experiences. Residing in Angelica, NY, she takes great pride in building strong relationships and ensuring clients receive white-glove support.
Outside of work, Hallie is a dedicated competitive bodybuilder, having competed in multiple shows and currently training for her third competition with the goal of earning her pro card. When she’s not in the gym, she enjoys spending time with her cats and pursuing her passion for fitness and wellness.
Hallie is excited to bring her commitment to excellence and attention to detail to the Golden Oak Group, ensuring clients receive the highest level of service.
Outside of work, Hallie is a dedicated competitive bodybuilder, having competed in multiple shows and currently training for her third competition with the goal of earning her pro card. When she’s not in the gym, she enjoys spending time with her cats and pursuing her passion for fitness and wellness.
Hallie is excited to bring her commitment to excellence and attention to detail to the Golden Oak Group, ensuring clients receive the highest level of service.
Contact Pamela S Shumway
Contact Michael E Nelkin
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
Ned Saliba
Planning Associate
About Ned Saliba
Ned Saliba 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. Ned 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 the College of the Holy Cross and received the Financial Planning Specialist® designation from the College for Financial Planning. Ned is originally from the south shore of Boston, Massachusetts and currently resides in New York City, NY.
He earned his undergraduate degree from the College of the Holy Cross and received the Financial Planning Specialist® designation from the College for Financial Planning. Ned is originally from the south shore of Boston, Massachusetts and currently resides in New York City, NY.
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?
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Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
Article Image
Ready to start a conversation? Contact The Golden Oak 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.
2Morgan 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.
3Morgan 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
4Alternative 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Morgan 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
9When 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.
10Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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
2Morgan 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.
3Morgan 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
4Alternative 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.
5Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for legal matters.
6Morgan 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.
7Morgan Stanley Smith Barney LLC (“Morgan Stanley”), its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors do not provide tax or legal advice. Clients should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
8The returns on a portfolio consisting primarily of Environmental, Social and Governance (“ESG”) aware investments may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors that do not use such criteria. Diversification does not guarantee a profit or protect against loss in a declining financial market.
9When 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.
10Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
11Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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.
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Awards Disclosures
CRC 6491812 (04/2024)
