Senior Vice President, Financial Advisor, Portfolio Management Director, Branch Manager
Phone:
(603) 629-0221(603) 629-0221
The Granite State Group at Morgan Stanley
Our Mission Statement
Experience, intellectual capital and dedicated personal service to help you meet your life goals
Clarifying Your Financial Vision
Everyone has a financial vision, but many cannot define it. Our group helps clients characterize and simplify that vision in an effort to maximize their long term goals.
Financial Vision can consist of five main Components:
1) Income
2) Expenses
3) Long Term Financial Planning (Retirement, education, Business, etc)
4) Catastrophic (Long term care, disability planning, and life insurance)
5) Death (Estate planning)
By properly understanding the relationship between these five components, useful and scalable financial well being may be attained. Our team helps clients clearly define their long term financial goals and develop the framework for success. In addition, we work with our clients, their attorneys and accountants to plan for their legacy.
Disclaimer:
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Financial Vision can consist of five main Components:
1) Income
2) Expenses
3) Long Term Financial Planning (Retirement, education, Business, etc)
4) Catastrophic (Long term care, disability planning, and life insurance)
5) Death (Estate planning)
By properly understanding the relationship between these five components, useful and scalable financial well being may be attained. Our team helps clients clearly define their long term financial goals and develop the framework for success. In addition, we work with our clients, their attorneys and accountants to plan for their legacy.
Disclaimer:
Life insurance, disability income insurance, and long-term care insurance are offered through Morgan Stanley Smith Barney LLC's licensed insurance agency affiliates.
Services Include
- Financial PlanningFootnote1
- Wealth ManagementFootnote2
- Retirement PlanningFootnote3
- Professional Portfolio ManagementFootnote4
- Corporate Retirement PlansFootnote5
- Qualified Retirement PlansFootnote6
- Defined Contribution PlansFootnote7
- 401(k) Rollovers
- Divorce Financial AnalysisFootnote8
- Long-term Care InsuranceFootnote9
- Executive Financial ServicesFootnote10
- Estate Planning StrategiesFootnote11
- Stock Option PlansFootnote12
- Business Succession PlanningFootnote13
Check the background of Our Firm and Investment Professionals on FINRA's BrokerCheck.*
Discerning Financial Advice, For Every Dimension of Your Life
Over the years our team has had the pleasure and honor of building long term, multi-generational relationships with some truly extraordinary families and individuals. We've shared in their personal successes, watched their children and businesses grow and helped provide guidance and support when they've needed it most. Above and beyond investing, estate and tax planning strategies, our clients count on us to help prepare them for each phase of their lives and all the twists and turns that come with the journey.
Our practice serves a broad range of clients that have successfully accumulated assets, yet desire the ability to consult regularly with dedicated advisors who can help them clarify their goals, define effective strategies to help achieve them and coordinate and manage the complexities of doing so.
Financial Planning
Goals Are Personal, Wealth Management Should Be Too. Whatever it is you want to achieve, The Granite State Group at Morgan Stanley is here to help. Working with us as your Financial Advisor Team, paired with our technology, is a great way to access advice and build a wealth plan. We will work with you to help you uncover your needs, manage risk, and build a customized plan to help you reach your financial goals.
Multi-Generational Families
Our financial planning process for multi-generational families is a rigorous analysis of your lifestyle, tax obligations, future gifting plans and portfolio objectives. This analysis drives our strategy as it pertains to financial and estate planning for wealth preservation, tax optimization, asset allocation and investment decisions. Throughout the entirety of the relationship, we can work closely with your attorneys and accountants.
Unique Portfolio Construction
With many years of combined experience, we know that every client is different; therefore, deserves a unique and customized portfolio that will complement their financial needs. By utilizing the firm's resources, current information, and market familiarity, it allows for us to move away from generic models and create the individual plans my clients are accustomed to.
Business Owners
Here at Morgan Stanley, we understand the unique circumstances that arise from owning your own business. Working us can help set you and your business up for success by helping to make smart investment decisions that will impact your business in a positive way.
Tax and Estate Planning Strategies
Building, protecting and passing on a legacy involves much more than investing wisely. It requires careful analysis of your objectives, intelligent structuring of your assets and integrated, strategic planning and implementation. The Granite State Group will work with you and a Trust Specialist or other estate planning resources within Morgan Stanley to help you look at the options, and figure which might be the best fit for you.
Retirees
Developing a plan for retirement is essential. Working with an experienced advisor can help with making sure you are meeting your personal retirement needs. Retirement planning can be stressful, we are here to make this stressful process as easy as possible.
Corporate Retirement Plans
We work with companies to develop and manage their corporate retirement plans. Let us bring our experience and resources to the table to take this burden off of you.
Women & Wealth
Whether you are a single woman or mother, a divorcee or widow, or a happily married woman in charge of the finances, we want to assist you in education, resources and planning to help you navigate all things financial.
Our Six-Step Process
Our wealth management approach focuses on you, your family and your career – where you are today and where you want to go. Working together, we develop the strategies to help get you there, navigating life’s challenges and helping you make more informed decisions about your wealth.
1. Introductory Call
We begin with an informal conversation to understand your financial concerns and determine how we can help add value. If we all agree to move forward, we’ll schedule our next meeting and request important financial information.
2. Get To Know You Meeting
We continue the dialogue by fostering an in-depth conversation where we learn about the values that shape your decisions and identify any unique circumstances. We also review the documents you’ve prepared and define your priorities.
3. Analysis & Plan Development
Here, we utilize proprietary financial planning tools to develop a personalized and detailed plan with recommendations to help you grow, preserve and transfer your wealth.
4. Implementation
In this step, we present appropriate strategies that are designed to work together to help achieve your goals. Upon your approval, we open new accounts for you at Morgan Stanley and initiate our investment recommendations. We’ll also begin to implement other strategies we’ve discussed. These often encompass tax minimization techniques, as well as risk management and estate planning strategies.
5. Plan Monitoring
Holistic plans change over time as your personal and family situations change. We are here to revisit your plan regularly to make tactical changes to help meet the needs of our ever-changing situations and environment.
6. Ongoing Service
Committed to premium service, we focus on developing a relationship that provides value to you and your family. As we begin to execute each strategy, we’ll set up tools so you have immediate access to your account information. And because markets and personal needs evolve over time, we set up ongoing meetings to help ensure your plan remains on schedule to achieve your goals.
Our Services
We offer a wide variety of services to clients, due primarily to the depth of knowledge and intellectual capital we have to offer.
Tax, Trust, and Estate Planning Strategies
As your family and personal wealth grows, you face more subtle and complex planning challenges. Our in-depth understanding of your unique circumstances helps us to coordinate with your external tax and legal advisors to help create a purposeful legacy that reflects your personal values and aspirations.
Entrepreneur and Executive Services
As a business owner or corporate executive, your wealth is often linked to the success of your company. Your investments may be heavily weighted in stock options and equity awards or hinge upon the talents of key individuals. You may also face the uncertainty of successfully and equitably transitioning your business to your heirs. Our team provides you with the knowledge and solutions to help maximize your benefits and protect yourself from unforeseen challenges.
Retirement
Everyone has a unique vision for their retirement, and proactive planning is the first step toward bringing that vision to life. Rather than planning your life around your money, plan your money around your life. The first step in planning for retirement is defining what retirement means to you.
Financial Planning
While your perspective on finances may be different from your parents', the fundamental aspects of mapping out your financial future are the same today as they were a generation ago - planning, creating wealth, and establishing good credit. Using our suite of tools - our LifeView® platform - we can create your personal roadmap to help achieve and protect your goals - a framework that makes the connection between your life goals and your financial resources, providing a baseline for future discussions.
Planning Your future
Our team will work with you to understand what your priorities are during these crucial years and implement a customized strategy for you. Whether it is planning for retirement, transitioning into retirement, or already managing your assets in retirement, our team is equipped with the resources and the knowledge to help you accomplish your personal and financial goal.
Understanding Your Savings Vehicles
When it comes to retirement savings, the most important thing is to get started—after all, time is one of your greatest assets. Although retirement may seem far for some, it is essential to get started on planning for future living expenses, potential education funds, or travel costs. Let us help you educate on ways to grow and preserve your wealth.
Learn More About 401k Strategies
The Psychological Transition into Retirement
Most retirement preparations focus on financial planning, but it is equally crucial to look at personal considerations and help you with easing the fear of the unknown. Given that many people overlook the psychological adjustments of retirement, we can help you understand why it’s important to be emotionally (not just financially) ready for retirement.
Risks to Your Retirement
Once you determine what kind of retirement you want, we will work together to take a closer look at the risks that might be standing between you and your retirement goals. No matter how well you save during the accumulation phase, it’s critical to plan how you convert those assets to income. We can help you navigate the challenges that may arise.
Log into Your Account
Impact of Taxes
The strategies you use when drawing down your retirement savings can have a significant impact on how much you’ll pay in taxes and may help you keep more of the returns. Each retiree’s situation is different but establishing a tax management strategy for your investments can help you retain more of your investment returns.
Tax-Smart StrategiesLocation
1155 Elm Street 6th
Fl
Manchester, NH 03101
US
Direct:
(603) 629-0200(603) 629-0200
Meet The Granite State Group
Phone:
(603) 629-0223(603) 629-0223
Kurt A Patten, CFP®
Senior Vice President, Financial Advisor, Family Wealth Director, Investing with Impact Director
Phone:
(603) 629-0249(603) 629-0249
Donna Boulay
First Vice President, Financial Advisor
Phone:
(603) 629-0248(603) 629-0248
George Tzimas, CFP®, CRPC®, CRPS®, CEPA®
First Vice President, Financial Advisor, CERTIFIED FINANCIAL PLANNER®
Phone:
(603) 629-0235(603) 629-0235
Financial Advisor, Financial Planning Specialist, Workplace Advisor – Equity Compensation
Phone:
(603) 629-0232(603) 629-0232
Jacqueline Depippo, CDFA®, QPFC
Financial Advisor
Phone:
(603) 629-0210(603) 629-0210
Phone:
(603) 629-0296(603) 629-0296
Rhonda Manning
Portfolio Associate
Phone:
(603) 629-0220(603) 629-0220
Tonya Lessard
Portfolio Associate
Phone:
(603) 629-0208(603) 629-0208
Victor Traverso
Client Service Associate
Phone:
(603) 629-0254(603) 629-0254
Dawn Cillo
Registered Client Service Associate
Phone:
(603) 629-0288(603) 629-0288
About Owen McGarrahan
Owen entered the business in 1993 working on the NASDAQ/Special Ventures desk for OLDE Corp. in Detroit, MI and has worked as a Financial Advisor since 1996. As a partner of the Granite State Group, his focus is on portfolio and risk management for corporations, endowments, and individuals, drawing from his past experience on the NASDAQ trading desk. As a Certified Financial Planner, Owen draws upon over 20 years of experience to help clients craft and execute tailored plans to meet their future goals. An alumnus of Providence College, (BA in History), Owen is active within his community supporting youth athletics, Easter Seals and ALS Foundation. Owen resides in Hampstead, NH, with his wife Beth and their three sons.
Securities Agent: IA, KY, OK, OR, VI, WV, KS, ME, NV, PR, TN, VT, MS, WY, WI, WA, VA, UT, TX, SD, SC, RI, PA, OH, NY, NM, NJ, NH, NE, ND, NC, MT, MO, MN, MI, MD, MA, LA, IN, IL, ID, HI, GA, FL, DE, DC, CT, CO, CA, AZ, AR, AL, AK; BM/Supervisor; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 2420987
NMLS#: 2420987
About Lisa Caulton
Lisa began her career as a Financial Advisor in 2001 with Morgan Stanley. Lisa earned her CFP® in 2007 and her CRPC® designation in 2008. She assists clients with asset allocation, risk management, retirement, tax and estate planning strategies. Lisa graduated from Franklin Pierce College with a Bachelor of Science degree in Financial Management. Lisa is a member of the Amherst Junior Women’s Club whose mission is to focus efforts on civic needs, educational advancement and those less fortunate. She lives in Amherst, NH with her husband, Andy, and two daughters.
Securities Agent: ID, AK, SD, NM, NJ, MT, MI, IL, NY, LA, AL, TN, RI, ME, KY, UT, TX, NE, GA, VA, PA, OH, NC, CA, FL, WA, NH, DC, SC, MA, IN, VT, DE, MD, CT, CO, AZ; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 178997
NMLS#: 178997
About Kurt A Patten
As a founding member of the Granite State Group, Kurt holds certifications as a Family Wealth Director, Portfolio Management Director and Certified Financial Planner. He brings nearly three decades of experience providing custom planning and comprehensive advice to clients. His “client first” approach accompanied with his extensive experience handling the complex financial needs of clients, enables him to develop long term, tailored strategies that take into account virtually all of life’s challenges.
He graduated from the University of New Hampshire and currently resides in Bedford, NH with his wife Cathy and three children. When not with clients, Kurt enjoys spending time with his family, traveling, skiing and relaxing at the lake.
He graduated from the University of New Hampshire and currently resides in Bedford, NH with his wife Cathy and three children. When not with clients, Kurt enjoys spending time with his family, traveling, skiing and relaxing at the lake.
Securities Agent: RI, GA, VT, VA, AZ, NY, WA, SD, NH, MT, MI, ME, TX, PA, NM, IL, FL, CT, AK, OH, MA, KY, IN, CA, UT, SC, NJ, MD, CO, NE, NC, DC, TN, LA; General Securities Representative; Investment Advisor Representative
NMLS#: 176201
CA Insurance License #: 0G09378
NMLS#: 176201
CA Insurance License #: 0G09378
About Donna Boulay
As a First Vice President and founding member of the Granite State Group, Donna provides exemplary service to clients through consistent communication and experience backed advice. She focuses on planning for a secure retirement, customized investment plans, comprehensive financial planning, retirement income distribution strategies, thoughtful wealth transfers and philanthropic strategies. Donna brings to the group over twenty years of experience in financial management, financial planning, wealth psychology, philanthropy, and gift and estate planning strategies. She works with individuals, families and business owners to make a difference in their lives by helping them make smart financial decisions.
She graduated from Merrimack College and currently resides in Goffstown, NH and Newport, RI with her husband Robert and beloved dogs, Jake & Hansen.
She graduated from Merrimack College and currently resides in Goffstown, NH and Newport, RI with her husband Robert and beloved dogs, Jake & Hansen.
Securities Agent: PA, UT, NM, MI, MD, CO, AK, WA, SD, NE, ME, AZ, TX, OH, NC, RI, LA, FL, TN, IN, DC, IL, CT, SC, NJ, MT, MA, GA, CA, VT, NY, NH, KY, VA; BM/Supervisor; General Securities Representative; Investment Advisor Representative
NMLS#: 392567
CA Insurance License #: 0H15168
NMLS#: 392567
CA Insurance License #: 0H15168
About George Tzimas
George has been working in financial services since 2004 supporting all aspects of financial planning. George holds a BS in Business Administration and Finance from Southern New Hampshire University, where he graduated Summa Cum Laude. He holds a Master’s of Science in Finance from Bentley University. He obtained his Financial Planning Degree from Boston University and the CFP® designation in 2010. He furthered his education by obtaining the CRPC® designation in 2011. George is on the board of directors for the Boys & Girls Club of Manchester and is an active volunteer with many other organizations in his community. George resides in Manchester, NH.
Securities Agent: SC, MA, IL, AZ, TN, NM, NJ, IN, CO, VA, PA, NE, NC, GA, DC, CA, AK, UT, SD, OH, MT, MD, LA, FL, CT, NH, MI, VT, RI, KY, WA, NY, ME, TX; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1401618
NMLS#: 1401618
About Kristi M Johnson
Kristi has worked in the financial services industry for over 18 years and has been with her team at Morgan Stanley since 2008. With a background in operations and service, Kristi views her clients as family and not only reaches out frequently for financial planning and investment updates; she also enjoys checking in on their wellbeing. Kristi works collaboratively with her diversely skilled team to create and implement customized financial planning strategies on behalf of families, business owners, retirees and executives. Her strength in relationship management is key to educating family members of the younger generation and incorporating them into the financial vision of the household. She holds a bachelor’s degree in Economics from The University of Vermont where she co-chaired the nationally recognized, non-profit DREAM program. She holds her Life Accident and Health License and Series 7, 66 and 31 securities licenses.
Kristi serves on the Woodside School Board of Directors in Concord and currently resides in Dunbarton, NH with her husband Nicholas and their two sons, Theodore and August. She enjoys cooking, running, snowboarding, hiking and spending time with her family outside whenever possible.
Kristi serves on the Woodside School Board of Directors in Concord and currently resides in Dunbarton, NH with her husband Nicholas and their two sons, Theodore and August. She enjoys cooking, running, snowboarding, hiking and spending time with her family outside whenever possible.
Securities Agent: ME, UT, DC, VA, TX, NM, KY, CO, SC, MI, IL, VT, RI, NY, NC, GA, MD, OH, MA, LA, CA, SD, NE, CT, AK, NH, MT, IN, AZ, PA, NJ, WA, TN, FL; General Securities Representative; Investment Advisor Representative; Managed Futures
NMLS#: 1700888
CA Insurance License #: 4154376
NMLS#: 1700888
CA Insurance License #: 4154376
About Jacqueline Depippo
Jackie joined Morgan Stanley as a Registered Client Service Associate in 2017. Prior to joining the team, she worked in Investment Services at Lincoln Financial Securities and has worked in financial services since 2009. Most recently Jackie has made the transition to Financial Advisor and works closely with clients to develop their own personal financial planning roadmap to help achieve their goals. She graduated from the University of New Hampshire with a Bachelor of Arts in Business in 2011. Jackie is an active member of NAMI NH working toward improving the lives of those affected by mental illness through education, support, and advocacy. She resides in Manchester with her fiancé and three fur babies.
Securities Agent: NC, CA, NE, UT, SD, NH, ME, KY, RI, MI, IN, IL, CO, AZ, WA, TN, OH, CT, TX, AK, VT, LA, SC, NY, NM, VA, MT, MA, PA, NJ, MD, GA, FL, DC; General Securities Representative; Investment Advisor Representative
NMLS#: 2412312
NMLS#: 2412312
About Andrew Githmark
Securities Agent: AK, AZ, UT, PA, IL, VA, TN, OR, NM, DC, CO, VT, SD, SC, MD, NE, MI, LA, WA, RI, NC, GA, CA, OH, NJ, NH, MT, ME, IN, CT, TX, NY, MA, FL; General Securities Representative; Investment Advisor Representative
Contact Owen McGarrahan
Contact Lisa Caulton
Contact Kurt A Patten
Contact Donna Boulay
Contact George Tzimas
Contact Kristi M Johnson
Contact Jacqueline Depippo
Contact Andrew Githmark
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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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 Granite State 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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
4Morgan 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.
5When 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.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 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.
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, charitable giving, philanthropic planning and other legal matters.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Morgan 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.
11Morgan 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.
12Morgan 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.
13Morgan 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
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.
For more information, please see the Morgan Stanley Smith Barney LLC Client Relationship Summary.
2Morgan Stanley Wealth Management is the trade name of Morgan Stanley Smith Barney LLC, a registered broker-dealer in the United States.
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.
4Morgan 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.
5When 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.
6When Morgan Stanley Smith Barney LLC, its affiliates and Morgan Stanley Financial Advisors and Private Wealth Advisors (collectively, “Morgan Stanley”) provide “investment advice” regarding a retirement or welfare benefit plan account, an individual retirement account or a Coverdell education savings account (“Retirement Account”), Morgan Stanley is a “fiduciary” as those terms are defined under the Employee Retirement Income Security Act of 1974, as amended (“ERISA”), and/or the Internal Revenue Code of 1986 (the “Code”), as applicable. When Morgan Stanley provides investment education, takes orders on an unsolicited basis or otherwise does not provide “investment advice”, Morgan Stanley will not be considered a “fiduciary” under ERISA and/or the Code. For more information regarding Morgan Stanley’s role with respect to a Retirement Account, please visit www.morganstanley.com/disclosures/dol. Tax laws are complex and subject to change. Morgan Stanley does not provide tax or legal advice. Individuals are encouraged to consult their tax and legal advisors (a) before establishing a Retirement Account, and (b) regarding any potential tax, ERISA and related consequences of any investments or other transactions made with respect to a Retirement Account. Individuals should consult their tax advisor for matters involving taxation and tax planning and their attorney for matters involving trust and estate planning, charitable giving, philanthropic planning and other legal matters.
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 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.
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, charitable giving, philanthropic planning and other legal matters.
9Insurance products are offered in conjunction with Morgan Stanley Smith Barney LLC’s licensed insurance agency affiliates.
10Morgan 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.
11Morgan 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.
12Morgan 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.
13Morgan 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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Awards Disclosures
CRC 6491812 (04/2024)
