Executive Director, Wealth Management, Financial Advisor, Family Wealth Advisor, Portfolio Management Director
The Golden Stone Group at Morgan Stanley
Direct:
(253) 874-9968(253) 874-9968
Toll-Free:
(800) 533-5660(800) 533-5660
Our Mission Statement
With comprehensive, multi-generational strategies and a personalized portfolio aligned with your unique goals, we treat every client like family.
Our Story
The Golden Stone Group at Morgan Stanley is a family business in every sense of the word. Many of our clients are focused on family-oriented goals, such as preserving wealth for future generations or educating younger family members. We believe in treating clients like family – we provide only advice we strongly believe in, prudently invest clients' money, consistently communicate with honesty and integrity, and take the time to listen carefully. We also understand that every family member is his or her own person, with unique needs, concerns and differences. That's why every plan we create and every portfolio we manage is customized to each client – we treat you as an individual member of our family, rather than try to fit you into an existing model.
Ultimately, the family atmosphere at the Golden Stone Group is something you can simply feel – it is a fundamental part of who we are and how we work. Family is important to us and we have created a team that our clients know they can count on.
The Golden Stone Group has been named to Forbes Best-In-State Wealth Management Teams for 2024 in Washington.
Source: Forbes.com (awarded Jan 2024) data compiled by SHOOK Research LLC based on the time period from 3/31/22-3/31/23.
Services Include
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
The Golden Stone Group: A Family Perspective
For many of us, nothing is more important than family. At the Golden Stone Group, this is one of our core values, one which underpins our plans and recommendations. We have structured our practice to reflect the needs of our family-focused clients. For example:
Managing Across Generations
We get to know not just our clients but also their children and grandchildren, to understand their objectives and concerns, and to unify the family around a long-term strategy. And we provide a variety of services to help create and maintain a family legacy, from trust services to philanthropic planning.
The Importance of Wealth Preservation
When managing money to last for generations, preservation is as important as growth. Our strategies typically reflect the long-term plans of the entire family. And each portfolio is customized, so that your plan is built around your specific goals.
A Multi-Generational Team of Advisors
Just as a family can outlive any one individual, our practice is structured to provide continuity for generations. We offer a powerful combination of experience, perspective and cutting-edge skills and technology.
The Importance of Client Education
Managing money has never been more complicated. While the explosion of choices can be great for investors, it underscores the need for ongoing education. We enjoy helping family members learn to be effective, knowledgeable and active stewards of the family legacy.
Family Spirit
A family gathering has a special feeling – a combination of intimacy, comfort and unshakeable trust and support. One visit to our offices and you’ll understand precisely what we mean.
Our Commitment To You
When you choose a financial advisor, you want to work with someone who shares your values, understands your preferences, and manages your finances in a way that makes you comfortable. Here are some of the core beliefs of the Golden Stone Group:
Goals-Based Financial Planning
To reach a destination, you need a plan; to create a plan, you need a destination. This is true of any journey, including a financial one. We help our clients define their goals and create custom strategies that inform every decision involving money.
Goals-Based Financial Planning
Tax-Efficient Strategies
One advantage of comprehensive wealth management is that each decision is complementary. Tax strategies are an important part of all our financial plans and are reflected in our recommendations.
Tax-Efficient Strategies
Customized Portfolios
There is no shortage of “cookie-cutter” investment plans based on lifestyle “models.” We favor a different approach – since every person is different, every portfolio is customized to reflect your goals, concerns and preferences.
Customized PortfoliosA Comprehensive Approach to Risk
Risk is inherent in investing – currency risk, inflation risk, investment risk, market volatility, etc. We balance every recommendation with an eye toward both return and risk.
A Comprehensive Approach to Risk
Experience Counts
Look at our team: a veteran portfolio manager with four decades of experience; a CERTIFIED FINANCIAL PLANNER™ who leverages the latest thinking in financial planning; a trained non-practicing CPA whose comprehensive approach considers both assets and liabilities. We combine the skills needed to manage multi-generational wealth in today’s complex financial world.
Experience CountsModern Wealth Resources
Financial Planning
Morgan Stanley Financial Planning can show you a single, comprehensive snapshot of your finances. We can help you create a wealth plan that’s adaptable to the different stages of your life using our award winning tools- Goals Planning System (GPS) and LifeView.
Morgan Stanley Goals-Based Wealth Management
Portfolio Risk Platform
Our Portfolio Risk Platform, backed by institutional-caliber analytics, assesses thousands of risk factors using a holdings-based approach to assess a portfolio’s exposures, analyze how securities behave together across portfolios and forecast how they influence risk and return moving forward.
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Socially Responsible Investing
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Location
1301 A Street
Suite 300
Tacoma, WA 98402
US
Direct:
(253) 874-9968(253) 874-9968
Toll-Free:
(800) 533-5660(800) 533-5660
Meet The Golden Stone Group
Margot Hackleman, CFP®, CIMA®
Senior Vice President, Wealth Management, Financial Advisor, Portfolio Management Director
Phone:
(253) 874-9954(253) 874-9954
Meghan Palmer, MBA, FPS
Registered Client Service Associate, Financial Planning Specialist
Phone:
(253) 874-9968(253) 874-9968
Ana Castellani
Client Service Associate
Phone:
(253) 597-7599(253) 597-7599
About Ryan Boone
Ryan is passionate about helping clients navigate their complex financial lives. He starts by working with our clients to define and articulate their goals, which form the basis of his comprehensive, strategic financial plans.
Though Ryan has been a professional advisor for ten years, his fascination with financial services goes back even further. As a small child, his grandmother offered to buy him one book at the bookstore. He strode right past the children’s literature and straight for the investment section. While in high school, he interned at Smith Barney, a Morgan Stanley predecessor firm, and was featured in Young Money Magazine in 1999. Post-college, Ryan was hired back at Smith Barney (now Morgan Stanley), where he served as a Senior Training Specialist covering the Northwest including Alaska. He joined the Golden Stone Group in 2010. 2023 marked his 25th year at the firm.
Ryan earned a B.A. in Finance (naturally!) from Western Washington University in 2003, and later earned both Certified Financial Planner and Family Wealth Advisor certifications, prestigious accreditations that reflect his commitment to planning and comprehensive advice.
Ryan and his wife, Danielle, have two children, Owen and Olivia, and two rescued cats. They were married in Vernazza, Italy, and enjoy any experience that makes life richer. One more notable fact about Ryan – he was an actor as a child.
Though Ryan has been a professional advisor for ten years, his fascination with financial services goes back even further. As a small child, his grandmother offered to buy him one book at the bookstore. He strode right past the children’s literature and straight for the investment section. While in high school, he interned at Smith Barney, a Morgan Stanley predecessor firm, and was featured in Young Money Magazine in 1999. Post-college, Ryan was hired back at Smith Barney (now Morgan Stanley), where he served as a Senior Training Specialist covering the Northwest including Alaska. He joined the Golden Stone Group in 2010. 2023 marked his 25th year at the firm.
Ryan earned a B.A. in Finance (naturally!) from Western Washington University in 2003, and later earned both Certified Financial Planner and Family Wealth Advisor certifications, prestigious accreditations that reflect his commitment to planning and comprehensive advice.
Ryan and his wife, Danielle, have two children, Owen and Olivia, and two rescued cats. They were married in Vernazza, Italy, and enjoy any experience that makes life richer. One more notable fact about Ryan – he was an actor as a child.
Securities Agent: MD, IL, MA, ID, IN, NM, OR, ND, UT, MT, GA, SC, FL, NY, WY, NV, MI, CA, AZ, WA, AL, DC, TN, IA, CO, NJ, NC, WI, TX, VA, HI, MO, AK; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 1310758
CA Insurance License #: 0J19848
NMLS#: 1310758
CA Insurance License #: 0J19848
About Margot Hackleman
Margot believes in a comprehensive approach to investing and financial planning. She joined the Golden Stone Group in 2018 after making the transition from KPMG, a Big Four accounting and professional services firm, where she served as a CPA and trusted advisor for Fortune 500 companies. Margot chose to become an advisor with Morgan Stanley so she could apply her consultative skills and strong commitment to personal relationships to individuals and families.
Margot earned a B.A. in Business Administration with a major in Accounting from Gonzaga University. Although non-practicing at Morgan Stanley, she was awarded her CPA license within her first year of working at KPMG. Margot, during her time at Morgan Stanley, earned her Certified Financial Planner certification that reflect her commitment to planning and comprehensive advice.
Margot, a Walla Walla native, was raised as a fourth-generation dry-land wheat farmer, and spent her summers working wheat harvest. She, her husband Drew, and her young son Billy, still visit Walla Walla and enjoy spending time with friends and family.
Margot earned a B.A. in Business Administration with a major in Accounting from Gonzaga University. Although non-practicing at Morgan Stanley, she was awarded her CPA license within her first year of working at KPMG. Margot, during her time at Morgan Stanley, earned her Certified Financial Planner certification that reflect her commitment to planning and comprehensive advice.
Margot, a Walla Walla native, was raised as a fourth-generation dry-land wheat farmer, and spent her summers working wheat harvest. She, her husband Drew, and her young son Billy, still visit Walla Walla and enjoy spending time with friends and family.
Securities Agent: HI, IA, ID, IL, IN, MA, MI, MO, MT, NC, ND, NJ, NM, NV, NY, OR, SC, TN, TX, UT, VA, WA, WI, WY, MD, AK, AL, AZ, CA, CO, DC, FL, GA; General Securities Representative; Investment Advisor Representative
NMLS#: 1744854
CA Insurance License #: 0M36560
NMLS#: 1744854
CA Insurance License #: 0M36560
About Meghan Palmer
Meghan is a dedicated professional of Alaska Native Yupik and Inupiaq heritage, making her mark in the field of Wealth Management. Currently serving as a Registered Client Service Associate at The Golden Stone Group at Morgan Stanley in Tacoma, WA. Meghan brings a distinct perspective to her role, having joined Morgan Stanley in April 2022.
Meghan's journey into the world of finance was sparked during her undergraduate years, where she developed a keen interest in the quantitative aspects of the industry. She pursued her passion by studying Accounting at Washington State University, later advancing her knowledge with an MBA concentrating in Finance.
Before her formal education, Meghan delved into the world of trading and investing, teaching herself the intricacies of the market. Her fascination with numbers and their potential for growth has been a driving force in her career, as she now channels this passion into helping the team's Financial Advisor's clients realize their financial goals and aspirations. Meghan plays a pivotal role in assisting the advisors with a wide range of financial services, from estate planning strtaegy to cash management and lending solutions
Beyond her professional endeavors, Meghan finds solace and joy in spending quality time with her loved ones. Together with her husband, three sons, and three dogs, she explores the natural beauty of beaches and mountains, seeking adventure and creating lasting memories. In moments of personal reflection, Meghan enjoys practicing yoga and playing soccer, finding balance and fulfillment in both her personal and professional pursuits.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
Meghan's journey into the world of finance was sparked during her undergraduate years, where she developed a keen interest in the quantitative aspects of the industry. She pursued her passion by studying Accounting at Washington State University, later advancing her knowledge with an MBA concentrating in Finance.
Before her formal education, Meghan delved into the world of trading and investing, teaching herself the intricacies of the market. Her fascination with numbers and their potential for growth has been a driving force in her career, as she now channels this passion into helping the team's Financial Advisor's clients realize their financial goals and aspirations. Meghan plays a pivotal role in assisting the advisors with a wide range of financial services, from estate planning strtaegy to cash management and lending solutions
Beyond her professional endeavors, Meghan finds solace and joy in spending quality time with her loved ones. Together with her husband, three sons, and three dogs, she explores the natural beauty of beaches and mountains, seeking adventure and creating lasting memories. In moments of personal reflection, Meghan enjoys practicing yoga and playing soccer, finding balance and fulfillment in both her personal and professional pursuits.
Morgan Stanley Smith Barney LLC is a registered Broker/Dealer, Member SIPC, and not a bank. Where appropriate, Morgan Stanley Smith Barney LLC has entered into arrangements with banks and other third parties to assist in offering certain banking related products and services.
Investment, insurance and annuity products offered through Morgan Stanley Smith Barney LLC are: NOT FDIC INSURED | MAY LOSE VALUE | NOT BANK GUARANTEED | NOT A BANK DEPOSIT | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
About Ana Castellani
Ana is a dedicated and hard-working professional on her journey in the world of Wealth management. With a strong background in economics and a passion for helping others achieve their financial goals, she is committed to providing personalized guidance and support to her clients. Currently, as a Client Service Associate at the Golden Stone group a Morgan Stanley in October 2024.
Ana's entrepreneurial journey began at the age of 14 in her parent's small music CD business, which closed after the 2008 crash. This experience sparked her interest in economics, leading her to pursue a business degree at the University of Washington, Tacoma.
During the COVID shutdown, Ana and her husband embarked on a self-guided journey in the world of trading and investing, equipping themselves with valuable skills and knowledge.
Outside of work, she cherishes quality time with her two boys, husband, feisty Shi-tzu, and her extended family. Running keeps her grounded, while cooking and baking healthy meals allow her to express her passions for nourishment and wellness.
Ana's entrepreneurial journey began at the age of 14 in her parent's small music CD business, which closed after the 2008 crash. This experience sparked her interest in economics, leading her to pursue a business degree at the University of Washington, Tacoma.
During the COVID shutdown, Ana and her husband embarked on a self-guided journey in the world of trading and investing, equipping themselves with valuable skills and knowledge.
Outside of work, she cherishes quality time with her two boys, husband, feisty Shi-tzu, and her extended family. Running keeps her grounded, while cooking and baking healthy meals allow her to express her passions for nourishment and wellness.
Contact Ryan Boone
Contact Margot Hackleman
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
Katie Reed
Senior Private Banker
Adelaide El Zein, CFP®
Financial Planning Director, Vice President
About Katie Reed
Katie Reed is a Senior Private Banker serving Morgan Stanley Wealth Management offices in Washington.
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.
Katie began her career in financial services in 2002, and joined Morgan Stanley in 2017 as a Private Banker. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch.
Katie is a graduate of the University of Washington, where she received a Bachelor of Arts in Economics. She lives in Seattle, Washington with her spouse. Outside of the office, Katie enjoys volunteering her time with various organizations which support women, food accessibility, and animals. She also enjoys traveling, Washington Husky football, and spending time with family and friends.
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.
Katie began her career in financial services in 2002, and joined Morgan Stanley in 2017 as a Private Banker. Prior to joining the firm, she was a Wealth Management Banker at Merrill Lynch.
Katie is a graduate of the University of Washington, where she received a Bachelor of Arts in Economics. She lives in Seattle, Washington with her spouse. Outside of the office, Katie enjoys volunteering her time with various organizations which support women, food accessibility, and animals. She also enjoys traveling, Washington Husky football, and spending time with family and friends.
NMLS#: 652641
About Adelaide El Zein
Adelaide El Zein, CFP® is a Vice President and Financial Planning Director serving Morgan Stanley’s
Wealth Management offices in Washington State, mainly serving our Bellevue, Kirkland, Yakima,
Kennewick and Bellingham office locations. She is responsible for helping Financial Advisors with their clients' and
prospects' financial planning needs.
A CERTIFIED FINANCIAL PLANNING® professional, Adelaide has been providing financial advice to
families and individuals in various settings for nearly 18 years. A former teacher, who taught
domestically and overseas in Germany and the United Arab Emirates, Adelaide launched her career in
finance at Ameriprise in 2004 after completing her MBA. She was an analyst at Merrill Lynch/Bank of
America for 4 years before joining an RIA in Arlington as a financial advisor.
A graduate of the University of Washington, she lives in Edmonds, WA with her future husband, Bob,
and his two teenage boys. Outside of work she enjoys photography, being outside, working on home
improvement projects, learning new languages and dancing to live music.
Wealth Management offices in Washington State, mainly serving our Bellevue, Kirkland, Yakima,
Kennewick and Bellingham office locations. She is responsible for helping Financial Advisors with their clients' and
prospects' financial planning needs.
A CERTIFIED FINANCIAL PLANNING® professional, Adelaide has been providing financial advice to
families and individuals in various settings for nearly 18 years. A former teacher, who taught
domestically and overseas in Germany and the United Arab Emirates, Adelaide launched her career in
finance at Ameriprise in 2004 after completing her MBA. She was an analyst at Merrill Lynch/Bank of
America for 4 years before joining an RIA in Arlington as a financial advisor.
A graduate of the University of Washington, she lives in Edmonds, WA with her future husband, Bob,
and his two teenage boys. Outside of work she enjoys photography, being outside, working on home
improvement projects, learning new languages and dancing to live music.
Wealth Management
Global Investment Office
Portfolio Insights
Retirement
Working with you to understand your life goals and develop a personalized wealth strategy. Today and for the years to come.
- 401(k) Rollovers
- IRA Plans
- Retirement income strategies
- Retirement plan participants
- Annuities
Investing
Working closely with you to guide your wealth and investments through the most challenging market cycles.
- Asset Management
- Wealth Planning
- Traditional Investments
- Alternative Investments
- Impact Investing
Family
Creating customized financial strategies for the challenges that today’s families face.
- Estate Planning Strategies
- 529 Plans / Education Savings Planning
- Long Term Care Insurance
- Special Needs Planning
- Trust Services
Business Planning
Helping you on key aspects of your business such as ownership, liquidity and developing opportunities.
- Succession Planning
- Business Planning
- Qualified Retirement Plans
Financial Planning for Life After Selling a Business
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Philanthropy
Making sure your philanthropic dollars are managed with the same high quality service as the rest of your wealth.
- Endowments
- Foundations
- Donor Advised Funds
- Impact Investing
Donor Advised Funds: A Smart Way to Manage Your Giving
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Mosaic
Explore ideas and inspiration with captivating, original lifestyle stories created exclusively for Morgan Stanley clients.
A Change of Greenery
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Financial Wellness
Enhancing Financial Wellness enables your workforce to do their best work. Companies that invest in financial wellness have an opportunity to:
- Reduce employee stress,
- Improve retention and engagement, and
- Set themselves apart by offering comprehensive financial wellness benefits.
Ready to start a conversation? Contact The Golden Stone Group today.
Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER™, and CFP® (with plaque design) in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements.
1Morgan Stanley 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’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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4The 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.
5Morgan 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7When 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.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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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.
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 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’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.
3When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
4The 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.
5Morgan 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.
6Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
7When 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.
8Annuities are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
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Awards Disclosures
CRC 6491812 (04/2024)
